Blue Springs, MO Car Insurance

The average cost for car insurance in Blue Springs is about $74 a month. To learn more about policy rates and coverage in the Blue Springs area, continue reading our 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 find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Blue Springs?

Area Average Monthly Car Insurance Premium
Blue Springs$74
MO$76
United States$81

As you can see in the chart above, it costs about the same to insure your vehicle in Blue Springs as it does in the rest of Missouri.

When stacked up against the national average, the average monthly policy payment for Blue Springs is more affordable. On average, it's about $7 less to insure your vehicle in Blue Springs than it is in the rest of the United States.

Bear in mind that while these rates are the average costs for Blue Springs drivers, it doesn't mean that's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

But worry not, we've done the heavy lifting and broken down the average rate for Blue Springs to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate for your area, 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$119
25-34$67
35-44$61
45-54Not Enough Data
55-64$52
65+$40

The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay $79 more than someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may begin to go back up in Blue Springs.

Average Car Insurance Rates by Gender

Gender Average
Male$75
Female$74

In general, women pay slightly less for car insurance than men. In Blue Springs, although women do pay a bit less on their monthly auto insurance coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$83
Multiple Accidents$91
1 Ticket$81
Multiple Tickets$75

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Blue Springs, a driving record with a single accident will usually get you a rate around $83 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $81.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$53
2-3 Years$57
4-5 Years$55
6-7 Years$73
8-10 Years$104
11-14 Years$80
15 Years or Older$73

According to the first table above, the cheapest vehicles to insure in Blue Springs are by and large trucks and vans, at $61 per month.

Car owners will see a monthly rate of about $81, while SUV owners typically pay around $70 per month.

Vehicle age has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. 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)$79
Married$55
Divorced$60
Widowed$44

More often than not, married policyholders will pay slightly less for auto insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Blue Springs is no exception, with the difference totaling to around $24 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$57
Rent$76
Live with parents$153

Your living situation is another component of how insurance companies calculate your monthly rate. Homeowners in Blue Springs can expect to pay around $19 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

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

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

The cost of car insurance in Blue Springs dropped from 2017-2018, before steadying out in 2019. Policy premiums finished down in 2022, at $74 a 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:

  • Local crime rates
  • Local regulations
  • Total number of drivers in the area
  • Amount of off-street parking
  • Frequency of car accidents

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

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

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Don't worry, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Blue Springs.

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Blue Springs Insurance FAQs

What factors affect car insurance quotes in Blue Springs?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, address, credit score, and marital status.

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

Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

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

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Blue Springs or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

Find your best rate in just a few minutes