Best Cheap Auto Insurance in Jefferson City, MO (2022)
The average Jefferson City, MO auto insurance rates are $252 per month. The minimum auto insurance in Jefferson City is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Jefferson City, Missouri, compare quotes from multiple companies.
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UPDATED: Jun 29, 2022
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Table of Contents
- Average auto insurance rates in Jefferson City, MO for senior drivers are $1,694 per year
- The minimum auto insurance required in Jefferson City, Missouri is 25/50/25
- The cheapest auto insurance company in Jefferson City is Nationwide
Jefferson City, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Jefferson City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Jefferson City, Missouri, including driving record, credit, commute time, and more.
Compare auto insurance in Jefferson City to other Missouri cities, including St. Charles auto insurance rates, St. Louis auto insurance rates, and O’Fallon auto insurance rates to see how Jefferson City, Missouri auto insurance rates stack up.
More: Best Cheap Auto Insurance in Hermann, MO (2022)
Before you buy Jefferson City, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Jefferson City, Missouri auto insurance quotes.
Table of Contents
Minimum Auto Insurance in Jefferson City, Missouri
Jefferson City, Missouri auto insurance laws require that you have at least the Missouri minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance 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 |
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Cheap Jefferson City, Missouri Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Jefferson City, Missouri are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 |
Cheap Jefferson City, Missouri Auto Insurance for Teen Drivers
More: Best Cheap Auto Insurance in Albany, MO (2022)
Finding cheap teen auto insurance in Jefferson City, Missouri is a challenge. Take a look at the annual teen auto insurance rates 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 |
Cheap Jefferson City, Missouri Auto Insurance for Seniors
What are senior auto insurance rates in Jefferson City, Missouri? Take a look at the annual average rates for older drivers.
| 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 |
Cheap Jefferson City, Missouri Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Jefferson City, Missouri compared to the annual auto insurance rates with a clean record in Jefferson City, Missouri.
| 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 |
Cheap Jefferson City, Missouri Auto Insurance Rates After a DUI
More: Missouri Auto Insurance [Rates + Cheap Coverage Guide]
Finding cheap auto insurance after a DUI in Jefferson City, Missouri is not easy. Compare the annual rates for DUI auto insurance in Jefferson City, Missouri to find the best deal.
| Insurance Company | Annual Auto 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 |
Cheap Jefferson City, Missouri Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Jefferson City, Missouri annual auto insurance rates by credit history compare.
| 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 |
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Cheap Jefferson City, Missouri Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Jefferson City, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in Jefferson City, Missouri to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 65101 | $2,480 |
| 65109 | $2,473 |
Cheap Jefferson City, Missouri Auto Insurance Rates By Commute
More: Best Cheap Auto Insurance in Richwoods, MO (2022)
Commute length and annual mileage affect Jefferson City, Missouri auto insurance. Find the cheapest annual Jefferson City, Missouri auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 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 |
Cheap Jefferson City, Missouri Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Jefferson City, Missouri? Check out the comparison of annual Jefferson City, Missouri auto insurance rates by coverage level.
| 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 |
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Best By Category: Cheapest Auto Insurance in Jefferson City, Missouri
Compare the cheapest auto insurance companies in Jefferson City, Missouri in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | Nationwide |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
The Cheapest Jefferson City, Missouri Auto Insurance Companies
More: Best Cheap Auto Insurance in Grandview, MO (2022)
What auto insurance companies in Jefferson City, Missouri are the cheapest? Compare the top Jefferson City, Missouri auto insurance companies to find the best annual rates.
| 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 |
What affects auto insurance rates in Jefferson City, Missouri?
There are a lot of reasons why auto insurance rates in Jefferson City, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Jefferson City, Missouri. Many local factors may affect your Jefferson City auto insurance rates.
Jefferson City Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Jefferson City, Missouri commute length is 15.5 minutes according to City-Data.
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Compare Jefferson City, Missouri Auto Insurance Quotes
More: Best Cheap Auto Insurance in Mount Vernon, MO (2022)
Before you buy Jefferson City, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Jefferson City, Missouri auto insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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