Cheapest Car Insurance Quotes in Jefferson City

Finding the cheapest car insurance quotes in Jefferson City shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Jefferson City Car Insurance

^$ 17

/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 $955 for a six-month policy, which is $30 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $594, 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

$955

Avg. Car Insurance in Montana

$985

National Average

$1140

Cheapest Car Insurance Companies in Jefferson City

1st place: State Farm

At $594 for a six month policy, State Farm offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $599 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $760 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, MT is State Farm, offering policies at just $594 for a six-month term. This is followed by USAA, which has an average six-month premium of $599.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1372 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, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$594	$100
USAA	$599	$101
Nationwide	$760	$128
Progressive	$1106	$186
Allstate	$1302	$219
Farmers	$1372	$231

Key Takeaways

Way's key takeaways about car insurance in Jefferson City

The auto insurance costs in Jefferson City fall around $594 for six months.
The cheapest auto insurance company in Jefferson City is USAA.
Teen drivers pay the highest rate in Jefferson City at $561 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

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 $104. Allstate is the most expensive at $472 for the same period.

Cheapest Liability Coverage in Jefferson City, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$104	$17
State Farm	$110	$18
Progressive	$253	$43
Kemper	$282	$48
Farmers	$329	$55
Allstate	$472	$79

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 State Farm at $100 per month and $594 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jefferson City, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$594	$100
USAA	$599	$101
Nationwide	$760	$128
Progressive	$1106	$186
Allstate	$1302	$219
Farmers	$1372	$231

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Jefferson City Instantly!

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, MT increasing?

Despite maintaining a clean driving record, your car insurance rates in Jefferson City, Montana, may be increasing due to several external factors. Montana 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

undefined

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

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Jefferson City at $57 per month. At $3330 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$345	$57
State Farm	$916	$154
USAA	$1181	$199
Progressive	$1844	$310
Allstate	$3077	$518
Farmers	$3330	$561

Teen Car Insurance Rates in MT 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, Nationwide is the cheapest car insurance provider. At $323 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 $1919 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$323	$53
USAA	$1089	$185
State Farm	$1210	$204
Farmers	$1660	$279
Progressive	$1873	$312
Allstate	$1919	$326

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Jefferson City.

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, MT, 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 State Farm and Kemper, offering $351 and $421, respectively. Farmers is an expensive provider with an average six-month premium of $1596.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$351	$59
Kemper	$421	$72
USAA	$455	$77
Progressive	$1060	$178
Allstate	$1440	$243
Farmers	$1596	$269

Jefferson City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jefferson City MT. For example, the car insurance in Jefferson City after a DUI increases to $600 for a six month policy. While the rate increases by $98 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	$1060	$177
One Med/PIP claim	$1060	$180
Not-at-fault accident	$1083	$180
One comp claim	$1083	$184
Two Med/PIP claims	$1083	$180
Two comp claims	$1106	$188
Child safety restraint	$1158	$193
Driving without lights	$1158	$197
Speeding 6 - 10 MPH over limit	$1158	$193
Failure to show documents	$1164	$198
Failure to wear a seat belt	$1170	$195
Speeding 11 - 15 MPH over limit	$1233	$210
Driving with expired registration	$1239	$207
Cell phone violation	$1250	$212
Failure to stop at a red light	$1250	$209
Failure to yield	$1250	$212
Following too closely	$1250	$209
Illegal turn	$1250	$212
Improper passing	$1250	$209
Texting while driving	$1250	$212
Speeding 16 - 20 MPH over limit	$1256	$210
Driving too slowly	$1262	$214
Wrong way/wrong lane	$1279	$213
Passing school bus	$1308	$222
Speeding in school zone	$1348	$225
In 65 MPH zone	$1354	$230
Speeding 21 - 25 MPH over limit	$1354	$226
Operating a vehicle without permission	$1360	$231
Open container	$1366	$228
At-fault accident - less than $1000	$1377	$234
At-fault accident - $1000-$2000	$1423	$238
At-fault accident - greater than $2000	$1435	$243
Reckless driving	$1544	$257
Driving with a suspended license	$1562	$266
Refusal to submit to a chemical test	$1585	$264
DUI	$1660	$282
Racing	$1723	$287
Leaving scene of an accident/hit and run	$1740	$296

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Kemper at $294 for a six-month policy. However, it can be as expensive as $1792 with companies like Allstate.

Jefferson City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$294	$49
State Farm	$525	$88
Progressive	$824	$139
USAA	$835	$141
Farmers	$1538	$259
Allstate	$1792	$302

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 State Farm at $276. However, it can be as expensive as $1573 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Jefferson City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$276	$47
USAA	$697	$116
Allstate	$1372	$233
Farmers	$1417	$239
Progressive	$1573	$268

Car Insurance Price Trends in Jefferson City, Montana

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 $192 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 $35 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Jefferson City?

The car insurance in Jefferson City is $17 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 $100 per month for full coverage.

How much is car insurance in Jefferson City for teenagers?

Car insurance for teenagers costs $345 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 $985 for a six-month policy. It will cost around $160 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.

What is the best car insurance in Jefferson City, MT?

The best car insurance company in Jefferson City MT is State Farm, offering $594 for a six-month policy.