Cape Girardeau, MO Car Insurance

On average, drivers in Cape Girardeau pay around $65 per month for their car insurance. For more information refer to our guide below.
What can Cape Girardeau residents expect to pay for their car insurance? How does Cape Girardeau compare to the surrounding area and the rest of Missouri? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Cape Girardeau?

Area Average Monthly Car Insurance Premium
Cape Girardeau$65
MO$76
United States$81

Compared to the rest of the Missouri, coverage in Cape Girardeau is about $11 a month cheaper.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Cape Girardeau is rather affordable. The average monthly payment in Cape Girardeau is about $16 cheaper than the rate for the rest of the United States.

Keep in mind that these are the average auto insurance rates for Cape Girardeau, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

Don't sweat it however, we've broken down the average rate for Cape Girardeau residents based on several different factors so that you can get a more accurate idea of what you might 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$84
25-34$57
35-44$70
45-54Not Enough Data
55-64$48
65+$47

Generally, the older you are the more experienced you are behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $37 more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may begin to go back up in Cape Girardeau.

Average Car Insurance Rates by Gender

Gender Average
Male$65
Female$66

Female drivers pay, on average, slightly less than their male counterparts. In Cape Girardeau, although men do pay a bit less on their monthly auto coverage, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$61
Multiple Accidents$79
1 Ticket$67
Multiple Tickets$86

Your driving record can have a tremendous impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Cape Girardeau with a single accident will pay around $61 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $67.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$47
2-3 Years$78
4-5 Years$97
6-7 Years$62
8-10 Years$68
11-14 Years$69
15 Years or Older$57

If you look at the first table above, you'll see that SUVs are by and large the cheapest vehicles to insure in Cape Girardeau, with drivers paying around $56 per month for insurance coverage.

Truck and van drivers will see rates of about $57, while the rates for car owners average out to about $70 per month.

You can also expect to see slightly different rates depending on how old your vehicle is. 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. The most expensive vehicles to insure in Cape Girardeau are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$67
Married$58
Divorced$57
Widowed$41

Generally speaking, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Cape Girardeau is no exception, with the difference totaling to around $9 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$71
Rent$61
Live with parents$108

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $10 less than those who own their own home in Cape Girardeau. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.

Car Insurance Companies in Cape Girardeau, MO

Recent trends in car insurance for Cape Girardeau drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

In Cape Girardeau, the rates for car insurance have been mixed over the past few years. They fell in 2017, rose in 2019, and declined again in 2021, before finishing at $45 in 2022.

How does Cape Girardeau compare to neighboring areas?

Why are car insurance rates in Cape Girardeau different from other areas?

There are a lot of factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:

  • Amount of off-street parking
  • Number of drivers in the community
  • Road Safety (frequency of car accidents)
  • Local crime rates
  • Area regulations

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. 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 Cape Girardeau?

While getting familiar with 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.

But hold on! Compare.com has you covered. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies that offer policies in Cape Girardeau in no time.

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Cape Girardeau Insurance FAQs

What factors affect car insurance quotes in Cape Girardeau?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.

Why is the cost of car insurance in Cape Girardeau different from other neighboring cities?

Local laws, parking situations, 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 Cape Girardeau?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Cape Girardeau?

Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.

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 Cape Girardeau 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