Jefferson City, MO Car Insurance

The average monthly cost for car insurance in Jefferson City is about $55. For more information refer to our guide below.
How does Jefferson City compare to the surrounding area and the rest of Missouri? What rates should residents of Jefferson City 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 Jefferson City?

Area Average Monthly Car Insurance Premium
Jefferson City$55
MO$77
United States$80

Looking at the chart above, you can see it's around $22 a month cheaper to insure your vehicle in Jefferson City than it is in the rest of Missouri.

Likewise, when compared to the national average, the cost for auto insurance in Jefferson City is lower. Car insurance rates for the United States as a whole are, on average, $25 more expensive than the rates you'd pay in Jefferson City.

Keep in mind that while these are the average car insurance rates for Jefferson City, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've broken down average rates for Jefferson City to help you understand what your policy's monthly premium will cost. 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$102
25-34$50
35-44$57
45-54Not Enough Data
55-64$42
65+$27

Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance premiums, that experience pays off. According to the table above, you can see that 18-24-year-olds pay two times as much as someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. You may see your rates start to rise again once you hit retirement age in Jefferson City.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$56

In general, female drivers pay less for car insurance than their male counterparts. In Jefferson City, however, men actually pay a bit less than female drivers to insure their car.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$81
Multiple Accidents$142
1 Ticket$102
Multiple Tickets$56

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay lower rates than those with accidents or violations. In Jefferson City, drivers with one accident on their record will experience rates around $81 a month. In addition, drivers with a single ticket on their record can expect to pay around $102 a month on average.

Accidents, tickets, and other driving infractions can cost you some serious cash. 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$97
2-3 Years$37
4-5 Years$47
6-7 Years$80
8-10 Years$38
11-14 Years$63
15 Years or Older$48

In terms of affordable coverage, the cheapest vehicles to insure in Jefferson City are by and large SUVs, at $42 per month.

Truck and van drivers will see rates of about $43, while the rates for car owners average out to about $64 per month.

You may also see different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Jefferson City, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$60
Married$45
Divorced$40
Widowed$31

Generally, those who are currently married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Jefferson City is no exception, with the difference totaling to around $15 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$40
Rent$56
Live with parents$89

Another factor taken into consideration is your housing situation. In Jefferson City, homeowners can expect to pay around $16 a month less than those who rent. Those who live with their parents, however, 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 Jefferson City, MO

Recent trends in car insurance for Jefferson City drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.

Car insurance rates in Jefferson City have been mixed as of late, they rose in 2016, dropped in 2018, and increased again in 2020, before finishing at $67 in 2021.

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 lot of factors. Where you live will also have a significant impact on your personal policy. This may include things like:

  • Total number of drivers
  • Regional crime rates
  • Regional regulations
  • Amount of off-street parking
  • Road Safety (frequency of car accidents)

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?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

But wait! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering policies in Jefferson City.

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Jefferson City Insurance FAQs

What factors affect car insurance quotes in Jefferson City?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Jefferson City different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Jefferson City?

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 Jefferson City?

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?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Jefferson City or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes