Joplin, MO Car Insurance

On average, drivers in Joplin pay around $70 per month for their car insurance. Read our guide below to learn more about your specific rates.
What rates can residents of Joplin expect to pay for their car insurance? How do rates in Joplin measure up compared to neighboring areas, including Missouri as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Joplin?

Area Average Monthly Car Insurance Premium
Joplin$70
MO$77
United States$80

Looking at the chart above, you can see it's around $7 a month cheaper to insure your vehicle in Joplin than it is in the rest of Missouri.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Joplin is rather affordable. The average monthly payment in Joplin is about $10 less than the rate for the rest of the United States.

These may be the average auto insurance rates for Joplin, but that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.

We've broken down the average rates for Joplin to help you understand what exactly you might be asked to pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$129
25-34$60
35-44$48
45-54Not Enough Data
55-64$42
65+$44

It makes sense that older drivers would have more experience behind the wheel, right? That experience can lead to some serious savings when it comes to auto insurance premiums. As you can see, 18-24-year-olds pay $85 more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement age, however, your rates may climb back up a bit in Joplin.

Average Car Insurance Rates by Gender

Gender Average
Male$66
Female$72

While women typically pay less than men do for auto insurance, Joplin goes against the grain. Female drivers typically pay around $6 more per month for insurance coverage than their male counterparts.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$91
Multiple Accidents$53
1 Ticket$149
Multiple TicketsNot Enough Data

One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. The rate for drivers in Joplin with a single accident on their record is about $91 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $149 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$71
2-3 Years$48
4-5 Years$67
6-7 Years$56
8-10 Years$67
11-14 Years$79
15 Years or Older$69

If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Joplin, with drivers paying around $56 per month for insurance.

Meanwhile, Joplin drivers who own a car or SUV can expect to pay about $71 for auto insurance coverage.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is about 5 years old. The most expensive vehicles to insure in Joplin are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$75
Married$57
Divorced$53
Widowed$39

Overall, those who are currently married will pay slightly less to insure their car. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Joplin, with married couples paying about $18 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$58
Rent$74
Live with parents$58

One other element taken into consideration is your living accommodations. Renters can expect to pay around $16 a month more than those who own their own home in Joplin. But if you live with your parents, you can expect to pay a lot more.

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 Joplin, MO

Recent trends in car insurance for Joplin 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 Joplin, the rates for car insurance had been increasing from 2016-2017, when they hit a high of $92. This pattern shifted in 2020, when they began to decrease, and have continued on that road through the present -- when rates reached a low of $57 a month.

How does Joplin compare to neighboring areas?

Why are car insurance rates in Joplin different from other areas?

There are many factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:

  • Regional crime rates
  • Availability of off-street parking
  • General road safety (how many accidents each locality has)
  • Area regulations
  • Total number of drivers in the community

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or 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 Joplin?

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

Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Joplin.

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Joplin Insurance FAQs

What factors affect car insurance quotes in Joplin?

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 credit score, driving record, address, and marital status.

Why is the cost of car insurance in Joplin 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 Joplin?

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 Joplin?

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 Joplin 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.

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