Cheapest Car Insurance Quotes in Jefferson City

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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 $950 for a six-month policy, which is $94 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $573, 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

$950

Avg. Car Insurance in Montana

$1044

National Average

$1278

Cheapest Car Insurance Companies in Jefferson City

1st place: USAA

At $573 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $605 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $854 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 USAA, offering policies at just $573 for a six-month term. This is followed by State Farm, which has an average six-month premium of $605.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1313 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
USAA	$573	$96
State Farm	$605	$102
Nationwide	$854	$144
Progressive	$1103	$186
Allstate	$1254	$211
Farmers	$1313	$221

Key Takeaways

Way's key takeaways about car insurance in Jefferson City

The auto insurance costs in Jefferson City fall around $573 for six months.
The cheapest auto insurance company in Jefferson City is State Farm.
Teen drivers pay the highest rate in Jefferson City at $551 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.

State Farm provides the cheapest minimum car insurance coverage in Jefferson City. Their Average 6 Month Premium is $103. Allstate is the most expensive at $443 for the same period.

Cheapest Liability Coverage in Jefferson City, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$103	$17
USAA	$103	$17
Progressive	$217	$36
Farmers	$232	$39
Kemper	$265	$45
Allstate	$443	$74

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 USAA at $96 per month and $573 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jefferson City, MT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$573	$96
State Farm	$605	$102
Nationwide	$854	$144
Progressive	$1103	$186
Allstate	$1254	$211
Farmers	$1313	$221

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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, 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

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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 $54 per month. At $3271 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$324	$54
State Farm	$1033	$174
USAA	$1189	$200
Progressive	$1876	$316
Allstate	$2968	$500
Nationwide	$3173	$540
Farmers	$3271	$551

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 $1054 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 Progressive, offering rates of around $2087 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1054	$177
USAA	$1140	$194
Farmers	$1719	$289
State Farm	$1778	$299
Allstate	$1930	$321
Progressive	$2087	$355

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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, 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 $368 and $395, respectively. Nationwide is an expensive provider with an average six-month premium of $1946.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$368	$62
Kemper	$395	$67
USAA	$449	$76
Progressive	$1076	$181
Allstate	$1395	$235
Farmers	$1541	$259
Nationwide	$1946	$324

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 $562 for a six month policy. While the rate increases by $92 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	$995	$166
One Med/PIP claim	$995	$169
Not-at-fault accident	$1016	$169
One comp claim	$1016	$173
Two Med/PIP claims	$1016	$169
Two comp claims	$1037	$177
Child safety restraint	$1087	$181
Driving without lights	$1087	$185
Speeding 6 - 10 MPH over limit	$1087	$181
Failure to show documents	$1092	$186
Failure to wear a seat belt	$1097	$183
Speeding 11 - 15 MPH over limit	$1157	$197
Driving with expired registration	$1162	$194
Cell phone violation	$1173	$199
Failure to stop at a red light	$1173	$196
Failure to yield	$1173	$199
Following too closely	$1173	$196
Illegal turn	$1173	$199
Improper passing	$1173	$196
Texting while driving	$1173	$199
Speeding 16 - 20 MPH over limit	$1178	$197
Driving too slowly	$1184	$201
Wrong way/wrong lane	$1200	$200
Passing school bus	$1227	$208
Speeding in school zone	$1265	$211
In 65 MPH zone	$1270	$216
Speeding 21 - 25 MPH over limit	$1270	$212
Operating a vehicle without permission	$1276	$217
Open container	$1281	$214
At-fault accident - less than $1000	$1292	$219
At-fault accident - $1000-$2000	$1335	$223
At-fault accident - greater than $2000	$1346	$228
Reckless driving	$1449	$241
Driving with a suspended license	$1465	$249
Refusal to submit to a chemical test	$1487	$248
DUI	$1557	$265
Racing	$1616	$269
Leaving scene of an accident/hit and run	$1633	$278

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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 Kemper at $276 for a six-month policy. However, it can be as expensive as $2611 with companies like Nationwide.

Jefferson City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$276	$46
State Farm	$605	$102
USAA	$827	$139
Progressive	$838	$141
Farmers	$1481	$249
Allstate	$1746	$294
Nationwide	$2611	$444

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 $384. However, it can be as expensive as $1752 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	$384	$65
USAA	$735	$125
Allstate	$1379	$229
Farmers	$1390	$234
Nationwide	$1622	$270
Progressive	$1752	$298

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 $206 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the Jefferson City remained steady at $28 in both February and January, 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 $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 $96 per month for full coverage.

How much is car insurance in Jefferson City for teenagers?

Car insurance for teenagers costs $324 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 $1044 for a six-month policy. It will cost around $159 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 USAA, offering $573 for a six-month policy.