Cheapest Car Insurance Quotes in Jefferson City

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 $146. Farmers is the most expensive at $869 for the same period. 

Cheapest Liability Coverage in Jefferson City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$146	$25
Missouri Farm Bureau	$162	$27
Electric	$207	$35
Travelers	$212	$36
Farm Bureau	$217	$37
American Family	$227	$38
Encompass	$237	$40
Progressive	$242	$41
Shelter	$298	$50
State Farm	$318	$54
Nationwide	$510	$85
Allstate	$530	$89
Farmers	$869	$145

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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 $72 per month and $424 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Jefferson City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$424	$72
USAA	$570	$96
Travelers	$586	$99
Encompass	$798	$133
Shelter	$823	$139
State Farm	$898	$151
Electric	$929	$158
Farm Bureau	$955	$159
Missouri Farm Bureau	$1015	$173
Progressive	$1051	$177
Allstate	$1126	$190
Nationwide	$1272	$212
Farmers	$2418	$411

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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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Age Group	Cheapest Companies	Avg. 6 Mo. Premium

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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 $687 for a six month policy. While the rate increases by $237 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	$1358	$226
One Med/PIP claim	$1358	$231
Not-at-fault accident	$1398	$233
One comp claim	$1408	$240
Two Med/PIP claims	$1408	$235
Two comp claims	$1499	$255
Failure to wear a seat belt	$1540	$257
Failure to show documents	$1545	$263
Child safety restraint	$1570	$262
Driving without lights	$1570	$267
Driving with expired registration	$1580	$264
Cell phone violation	$1590	$270
Driving too slowly	$1590	$265
Following too closely	$1590	$270
Speeding in school zone	$1590	$265
Failure to yield	$1595	$271
Speeding 11 - 15 MPH over limit	$1595	$266
Speeding 16 - 20 MPH over limit	$1595	$271
Speeding 6 - 10 MPH over limit	$1595	$266
Texting while driving	$1595	$271
Illegal turn	$1601	$267
Wrong way/wrong lane	$1601	$272
Failure to stop at a red light	$1606	$268
Improper passing	$1606	$273
Speeding 21 - 25 MPH over limit	$1606	$268
In 65 MPH zone	$1616	$275
Passing school bus	$1646	$275
Open container	$1697	$288
Operating a vehicle without permission	$1737	$290
At-fault accident - less than $1000	$1879	$320
At-fault accident - $1000-$2000	$1984	$331
At-fault accident - greater than $2000	$1984	$337
Refusal to submit to a chemical test	$2009	$335
DUI	$2045	$348
Driving with a suspended license	$2090	$349
Racing	$2141	$364
Leaving scene of an accident/hit and run	$2171	$362
Reckless driving	$2196	$373

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