Table of contents
How much is car insurance in Jefferson City?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that coverage in Jefferson City typically costs about $22 a month less than it does in the rest of Missouri.
Likewise, when compared to the national average, the cost for auto insurance in Jefferson City is lower. The average monthly payment in Jefferson City is about $27 cheaper than the rate for the rest of the United States.
While these are the average monthly costs for auto insurance coverage in Jefferson City, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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.
We've analyzed the average rate for Jefferson City and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may start to rise again in Jefferson City.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. Male and female drivers in Jefferson City, however, both pay around $54 per month for auto insurance.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. Drivers in Jefferson City with one accident will pay around $80 a month. In addition, drivers with one ticket can expect to pay around $72 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$86|
|15 Years or Older||$46|
In Jefferson City, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $41 per month for auto insurance.
SUV drivers will see rates of about $47 for auto insurance coverage, while car owners usually pay around $61 a month.
You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In Jefferson City, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$58|
Overall, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
The difference in rates based on relationship status in Jefferson City is about $13 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$89|
Your living situation is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $15 a month more than if you own your own home in Jefferson City. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Jefferson City, MO
Recent trends in car insurance for Jefferson City drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Jefferson City, car insurance rates declined from 2017-2019, before steadying out in 2020. Car insurance rates fell again recently, hitting a low of $37 in 2022.
How does Jefferson City compare to neighboring areas?
Why are car insurance rates in Jefferson City different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:
- Area crime rates
- Total number of drivers in the community
- Number of car accidents
- Amount of off-street parking
- Area regulations
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Jefferson City?
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 wait! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer auto coverage in Jefferson City.
Jefferson City Insurance FAQs
What factors affect car insurance quotes in Jefferson City?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Jefferson City different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Jefferson City?
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 Jefferson City?
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. 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 Jefferson City or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?