Compare Jefferson City, MO Car Insurance Rates (2021)

Car insurance in Jefferson City, MO averages $252 a month. Jefferson City, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Jefferson City car insurance rates, compare quotes from the top car insurance companies in Jefferson City, MO.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Jefferson City, MO after a DUI are $3,542/year
  • The cheapest car insurance company in Jefferson City for teen drivers is Nationwide
  • Average car insurance rates in Jefferson City, MO are $3,028/year

If you need to buy Jefferson City, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Jefferson City, MO is right here.

You’ll find Jefferson City car insurance rates, the cheapest Jefferson City, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Jefferson City, Missouri car insurance rates to Blue Springs car insurance rates, St. Charles car insurance rates, and Independence car insurance rates.

Ready to find affordable Jefferson City, MO car insurance today? Enter your ZIP code for fast, free Jefferson City car insurance quotes.

Cheapest Jefferson City, MO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Jefferson City, MO car insurance rates? Every Jefferson City, Missouri car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Jefferson City, Missouri

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,592 $2,517 $2,327 $2,401 $7,014 $7,592 $2,499 $2,586
American Family $1,895 $1,895 $1,688 $1,688 $5,144 $6,690 $1,895 $2,217
Farmers $2,016 $2,008 $1,800 $1,911 $8,333 $8,608 $2,295 $2,393
GEICO $1,655 $1,862 $1,289 $1,663 $5,234 $5,539 $1,508 $1,512
Liberty Mutual $2,525 $2,737 $2,079 $2,334 $8,814 $9,795 $2,657 $2,831
Nationwide $1,378 $1,406 $1,237 $1,307 $3,502 $4,472 $1,574 $1,699
Progressive $1,901 $1,753 $1,558 $1,605 $6,342 $7,107 $2,310 $2,354
State Farm $1,443 $1,443 $1,300 $1,300 $4,290 $5,394 $1,626 $1,862
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

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Minimum Car Insurance in Jefferson City, MO

Every driver must carry the minimum car insurance in Jefferson City, MO. Take a look at the Missouri car insurance requirements.

Minimum Required Car Insurance Coverage in Jefferson City, Missouri

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Jefferson City, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Jefferson City, MO. Compare credit history car insurance rates in Jefferson City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Jefferson City, Missouri

Insurance Company Poor Fair Good
Allstate $5,086 $3,275 $2,712
American Family $3,772 $2,656 $2,239
Farmers $4,193 $3,495 $3,324
GEICO $3,493 $2,279 $1,825
Liberty Mutual $6,049 $3,701 $2,915
Nationwide $2,440 $2,019 $1,756
Progressive $3,604 $2,989 $2,755
State Farm $3,238 $2,074 $1,684
USAA $4,567 $2,109 $1,505

Cheapest Jefferson City, MO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Jefferson City, MO to rates for a clean record with top companies.

Annual Jefferson City, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,183 $3,577 $4,417 $3,587
American Family $2,164 $3,142 $3,784 $2,466
Farmers $3,177 $3,948 $3,861 $3,695
GEICO $1,957 $2,564 $3,481 $2,129
Liberty Mutual $3,067 $4,405 $4,535 $4,878
Nationwide $1,629 $2,089 $2,787 $1,782
Progressive $2,692 $3,623 $2,990 $3,160
State Farm $2,135 $2,530 $2,332 $2,332
USAA $2,179 $2,649 $3,694 $2,385

Cheapest Jefferson City, MO Car Insurance for Teen Drivers

Teen car insurance in Jefferson City, MO can be expensive. Take a look at rates from the top car insurance companies in Jefferson City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Jefferson City, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,014 $7,592
American Family $5,144 $6,690
Farmers $8,333 $8,608
GEICO $5,234 $5,539
Liberty Mutual $8,814 $9,795
Nationwide $3,502 $4,472
Progressive $6,342 $7,107
State Farm $4,290 $5,394
USAA $5,002 $6,115

Cheapest Jefferson City, MO Car Insurance for Seniors

Take a look at Jefferson City, MO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Jefferson City, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,327 $2,401
American Family $1,688 $1,688
Farmers $1,800 $1,911
GEICO $1,289 $1,663
Liberty Mutual $2,079 $2,334
Nationwide $1,237 $1,307
Progressive $1,558 $1,605
State Farm $1,300 $1,300
USAA $1,491 $1,518

Cheapest Jefferson City, MO Car Insurance Rates After a DUI

A DUI in Jefferson City, MO increases car insurance rates. Compare Jefferson City, Missouri DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Jefferson City, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,417
American Family $3,784
Farmers $3,861
GEICO $3,481
Liberty Mutual $4,535
Nationwide $2,787
Progressive $2,990
State Farm $2,332
USAA $3,694

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Cheapest Jefferson City, MO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Jefferson City, MO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Jefferson City, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,691 $3,691
American Family $2,860 $2,918
Farmers $3,670 $3,670
GEICO $2,486 $2,579
Liberty Mutual $4,221 $4,221
Nationwide $2,072 $2,072
Progressive $3,116 $3,116
State Farm $2,275 $2,390
USAA $2,630 $2,824

Cheapest Jefferson City, MO Car Insurance Rates by ZIP Code

Jefferson City car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Jefferson City, MO.

Annual Car Insurance Rates by ZIP Code in Jefferson City, Missouri

ZIP Code Average Annual Rates
65101 $2,480
65109 $2,473

The Best Cheap Car Insurance Companies in Jefferson City, MO

Take a look at a side-by-side comparison of the top car insurance companies in Jefferson City, MO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Jefferson City, Missouri

Insurance Company Average Annual Rates
Allstate $3,691
American Family $2,889
Farmers $3,670
GEICO $2,533
Liberty Mutual $4,221
Nationwide $2,072
Progressive $3,116
State Farm $2,332
USAA $2,727

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Category Winners: Cheapest Car Insurance in Jefferson City, Missouri

Find the cheapest car insurance companies in Jefferson City, MO for each category right here.

Best Annual Car Insurance Rates by Company in Jefferson City, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors Nationwide
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

Cheapest Jefferson City, MO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Jefferson City car insurance rates. Find the cheapest Jefferson City, MO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Jefferson City, Missouri

Insurance Company Low Medium High
Allstate $3,561 $3,684 $3,829
American Family $2,801 $2,981 $2,886
Farmers $3,429 $3,634 $3,948
GEICO $2,363 $2,551 $2,683
Liberty Mutual $3,972 $4,243 $4,450
Nationwide $1,945 $2,091 $2,180
Progressive $2,779 $3,126 $3,444
State Farm $2,175 $2,341 $2,480
USAA $2,627 $2,720 $2,834

What affects car insurance rates in Jefferson City, Missouri?

What factors can have an impact on Jefferson City, MO car insurance? There are several reasons why Jefferson City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Jefferson City, Missouri.

Commute Time in Jefferson City

The more time you spend in your car the higher the risk of an accident. The average commute length in Jefferson City, MO is 15.5 minutes according to City-Data.

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Compare Car Insurance Quotes in Jefferson City, MO

Ready to find affordable Jefferson City, Missouri car insurance today? Enter your ZIP code for fast, free Jefferson City, MO car insurance quotes.

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