Blue Springs, MO Car Insurance

On average, Blue Springs drivers pay a monthly average rate of around $75 for their car insurance. Learn more in our handy guide below.
Compared to their surrounding area, how do rates in Blue Springs stack up? What about against the rest of Missouri? What rates can residents of Blue Springs expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Blue Springs?

Area Average Monthly Car Insurance Premium
Blue Springs$75
MO$77
United States$80

According to the chart above, the rates you'll pay for coverage in Blue Springs are about the same as what you would pay anywhere else in Missouri.

Likewise, car insurance rates in Blue Springs are more affordable than the national average. On average, it's about $5 less to insure your vehicle in Blue Springs than it is in the rest of the United States.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rate for Blue Springs residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$122
25-34$60
35-44$61
45-54Not Enough Data
55-64$51
65+$40

It makes sense that the older you are, the more experience you have driving, right? When it comes to car insurance rates, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $82 more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Having said that, once you approach retirement age your rates may start to rise again in Blue Springs.

Average Car Insurance Rates by Gender

Gender Average
Male$72
Female$77

Although female drivers pay, on average, less than male drivers to insure their car, Blue Springs actually defies this trend. While female drivers pay $77 per month for auto insurance coverage, males only pay about $72.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$84
Multiple Accidents$95
1 Ticket$82
Multiple Tickets$55

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records can expect to pay a lot less than those with infractions. In Blue Springs, drivers with one accident on their record will experience rates around $84 a month. In addition, drivers with a single ticket on their record can expect to pay around $82 a month on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$53
2-3 Years$57
4-5 Years$51
6-7 Years$73
8-10 Years$108
11-14 Years$77
15 Years or Older$75

According to the first table above, the cheapest vehicles to insure in Blue Springs are typically trucks and vans, at $65 per month.

SUV drivers will see rates of about $71 for insurance coverage, while car owners usually pay around $78 a month.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Blue Springs, vehicles eight-to-ten years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$81
Married$55
Divorced$60
Widowed$46

On average, married policyholders will pay slightly less to insure their vehicle. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Blue Springs as well, where the difference is around $26 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$79
Live with parents$160

Another factor taken into consideration is your living accommodations. Renters can expect to pay around $28 a month more than those who own their own home in Blue Springs. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Blue Springs, MO

Recent trends in car insurance for Blue Springs drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Car insurance rates in Blue Springs went up from 2016-2017, before steadying out in 2018. They finished up in 2021, at $106 per month

How does Blue Springs compare to neighboring areas?

Why are car insurance rates in Blue Springs different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:

  • Number of car accidents
  • Off-street parking accessibility
  • Crime
  • Total number of drivers in the community
  • Regional laws

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Blue Springs?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

Good news! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer coverage in Blue Springs.

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Blue Springs Insurance FAQs

What factors affect car insurance quotes in Blue Springs?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Blue Springs different from other neighboring cities?

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like parking situations, crime rates, and local laws -- which can vary from city to city -- can significantly affect your rate.

Which car insurance company will offer me the cheapest rate in Blue Springs?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Blue Springs?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Blue Springs or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes