Cheapest Car Insurance Quotes in Jefferson City

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Jefferson City Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Jefferson City

The car insurance rate in Jefferson City is $853 for a six-month policy, which is $128 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $434, making it a popular choice for budget-conscious drivers. Rates in Jefferson City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Jefferson City

$853

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Jefferson City

1st place: American Family

At $434 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $548 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $610 for six months, making it the third cheapest auto insurance company in Jefferson City.

Jefferson City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Jefferson City, MO is American Family, offering policies at just $434 for a six-month term. This is followed by Travelers, which has an average six-month premium of $548.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1302 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Jefferson City drivers find the best deals.

Cheap Car Insurance Companies in Jefferson City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$434	$74
Travelers	$548	$92
USAA	$610	$103
Shelter	$812	$137
Encompass	$817	$139
State Farm	$863	$145
Electric	$951	$162
Allstate	$982	$165
Progressive	$1034	$174
Missouri Farm Bureau	$1039	$173
Nationwide	$1302	$222

Key Takeaways

Way's key takeaways about car insurance in Jefferson City

The auto insurance costs in Jefferson City fall around $434 for six months.
The cheapest auto insurance company in Jefferson City is USAA.
Teen drivers pay the highest rate in Jefferson City at $662 per month.

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Cheapest Minimum Liability Car Insurance in Jefferson City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Jefferson City are given below.

USAA provides the cheapest minimum car insurance coverage in Jefferson City. Their Average 6 Month Premium is $150. Nationwide is the most expensive at $522 for the same period.

Cheapest Liability Coverage in Jefferson City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$150	$25
Missouri Farm Bureau	$165	$28
Travelers	$202	$34
Electric	$212	$36
Progressive	$227	$38
American Family	$232	$39
Encompass	$243	$41
Shelter	$290	$49
State Farm	$310	$52
Allstate	$465	$79
Nationwide	$522	$87

Cheapest Full Coverage Car Insurance in Jefferson City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Jefferson City is American Family at $74 per month and $434 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jefferson City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$434	$74
Travelers	$548	$92
USAA	$610	$103
Shelter	$812	$137
Encompass	$817	$139
State Farm	$863	$145
Electric	$951	$162
Allstate	$982	$165
Progressive	$1034	$174
Missouri Farm Bureau	$1039	$173
Nationwide	$1302	$222

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Average Car Insurance in Jefferson City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Jefferson City, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Jefferson City, Missouri, may be increasing due to several external factors. Missouri has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Jefferson City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Jefferson City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Jefferson City,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Jefferson City at $37 per month. At $3974 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$217	$37
American Family	$248	$42
Travelers	$594	$100
USAA	$914	$154
Progressive	$1334	$224
State Farm	$1494	$251
Shelter	$1763	$294
Allstate	$3550	$604
Nationwide	$3974	$662

Teen Car Insurance Rates in MO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Jefferson City, Progressive is the cheapest car insurance provider. At $315 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Jefferson City is Allstate, offering rates of around $506 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$315	$54
Travelers	$325	$54
Kemper	$398	$68
American Family	$424	$70
Shelter	$445	$76
Nationwide	$491	$82
Allstate	$506	$86

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Car Insurance Rates with An Accident in Jefferson City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Jefferson City, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Jefferson City

The cheapest car insurance companies after an at-fault accident in Jefferson City include Missouri Farm Bureau and Electric, offering $181 and $258, respectively. Allstate is an expensive provider with an average six-month premium of $2093.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$181	$30
Electric	$258	$44
American Family	$284	$47
Encompass	$331	$57
Travelers	$392	$66
USAA	$403	$68
Progressive	$563	$95
State Farm	$682	$115
Shelter	$765	$129
Nationwide	$1928	$328
Allstate	$2093	$349

Jefferson City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jefferson City MO. For example, the car insurance in Jefferson City after a DUI increases to $703 for a six month policy. While the rate increases by $243 for a six-month policy in the case of a speeding ticket.

Jefferson City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1390	$231
One Med/PIP claim	$1390	$237
Not-at-fault accident	$1431	$238
One comp claim	$1442	$245
Two Med/PIP claims	$1442	$240
Two comp claims	$1535	$261
Failure to wear a seat belt	$1576	$263
Failure to show documents	$1582	$269
Child safety restraint	$1607	$268
Driving without lights	$1607	$273
Driving with expired registration	$1617	$270
Cell phone violation	$1628	$277
Driving too slowly	$1628	$271
Following too closely	$1628	$277
Speeding in school zone	$1628	$271
Failure to yield	$1633	$278
Speeding 11 - 15 MPH over limit	$1633	$272
Speeding 16 - 20 MPH over limit	$1633	$278
Speeding 6 - 10 MPH over limit	$1633	$272
Texting while driving	$1633	$278
Illegal turn	$1638	$273
Wrong way/wrong lane	$1638	$278
Failure to stop at a red light	$1643	$274
Improper passing	$1643	$279
Speeding 21 - 25 MPH over limit	$1643	$274
In 65 MPH zone	$1654	$281
Passing school bus	$1684	$281
Open container	$1737	$295
Operating a vehicle without permission	$1777	$297
At-fault accident - less than $1000	$1923	$327
At-fault accident - $1000-$2000	$2031	$338
At-fault accident - greater than $2000	$2031	$345
Refusal to submit to a chemical test	$2057	$343
DUI	$2093	$356
Driving with a suspended license	$2139	$357
Racing	$2192	$372
Leaving scene of an accident/hit and run	$2222	$371
Reckless driving	$2248	$382

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Jefferson City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Jefferson City.

The cheapest car insurance premiums in Jefferson City are offered by Missouri Farm Bureau at $217 for a six-month policy. However, it can be as expensive as $2403 with companies like Nationwide.

Jefferson City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$217	$37
American Family	$279	$46
Kemper	$346	$59
Travelers	$418	$70
Progressive	$517	$87
USAA	$641	$108
State Farm	$724	$122
Shelter	$842	$142
Allstate	$1819	$310
Nationwide	$2403	$400

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Jefferson City are offered by Progressive at $248. However, it can be as expensive as $372 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Jefferson City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$248	$42
Travelers	$264	$44
American Family	$279	$48
State Farm	$310	$51
Shelter	$372	$64

Car Insurance Price Trends in Jefferson City, Missouri

Car insurance rates in Jefferson City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Jefferson City remained steady at $113 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Jefferson City remained steady at $42 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Jefferson City?

The car insurance in Jefferson City is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Jefferson City?

The cheapest car insurance in Jefferson City is $74 per month for full coverage.

How much is car insurance in Jefferson City for teenagers?

Car insurance for teenagers costs $217 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Jefferson City?

The average cost of car insurance is $981 for a six-month policy. It will cost around $144 per month to insure your car in Jefferson City.

Is car insurance expensive in Jefferson City?

Car insurance can be expensive in Jefferson City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Jefferson City can be affordable.

Cheapest Car Insurance Quotes in Jefferson City

Why you can trust Way?

How Much Is Car Insurance in Jefferson City

Avg. Car Insurance in Jefferson City

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Jefferson City

1st place: American Family

2nd place: Travelers

3rd place: USAA

Jefferson City Car Insurance Rates by Company

Cheap Car Insurance Companies in Jefferson City, MO

Way's key takeaways about car insurance in Jefferson City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Jefferson City

Cheapest Liability Coverage in Jefferson City, MO

Cheapest Full Coverage Car Insurance in Jefferson City

Cheapest Full Coverage Car Insurance Quotes in Jefferson City, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Jefferson City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Jefferson City, MO increasing?

Car Insurance Premiums by Age in Jefferson City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Jefferson City,MO

If you are in your twenties N/A is the best choice for car insurance in Jefferson City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Jefferson City

Cheapest Car Insurance Companies after an At-Fault Accident in Jefferson City

Jefferson City Car Insurance Rates by Violation

Jefferson City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Jefferson City after a DUI

Jefferson City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Jefferson City after Speeding ticket

Car Insurance Price Trends in Jefferson City, Missouri

Average Car Insurance Cost in Jefferson City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Jefferson City, MO

Car Insurance Rates by State in the USA (2025 Update)

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