Best Cheap Auto Insurance in Jefferson City, MO (2021)

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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 17, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • 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.

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.

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.

Minimum Required Auto 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

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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.

Annual Auto 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

Cheap Jefferson City, Missouri Auto Insurance for Teen Drivers

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.

Annual Auto 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

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.

Annual Auto 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

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.

Annual Jefferson City, Missouri Auto 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

Cheap Jefferson City, Missouri Auto Insurance Rates After a DUI

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.

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

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.

Annual Auto 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

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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.

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

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

Cheap Jefferson City, Missouri Auto Insurance Rates By Commute

Commute length and annual mileage affect Jefferson City, Missouri auto insurance. Find the cheapest annual Jefferson City, Missouri auto insurance by commute length.

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

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.

Annual Auto 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

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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.

Best Annual Auto 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

The Cheapest Jefferson City, Missouri Auto Insurance Companies

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.

Average Annual Auto 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

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

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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