Cheapest Car Insurance Quotes in Jefferson City

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Jefferson City Car Insurance

^$ 22

/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 $775 for a six-month policy, which is $41 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $407, 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

$775

Avg. Car Insurance in Tennessee

$816

National Average

$1140

Cheapest Car Insurance Companies in Jefferson City

1st place: AutoOwners Insurance Co

At $407 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Erie

Erie offers auto insurance rates at $428 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $428 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, TN is AutoOwners Insurance Co, offering policies at just $407 for a six-month term. This is followed by Erie, which has an average six-month premium of $428.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1298 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, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$407	$67
Erie	$428	$73
Westfield	$428	$71
Tennessee Farm Bureau	$457	$78
Travelers	$637	$107
Farmers	$773	$130
USAA	$779	$131
Grange	$785	$132
Farm Bureau of Tennessee	$812	$136
Tennessee Farmers	$908	$155
Penn National	$982	$163
State Farm	$1073	$182
Nationwide	$1089	$181
Progressive	$1298	$220

Key Takeaways

Way's key takeaways about car insurance in Jefferson City

The auto insurance costs in Jefferson City fall around $407 for six months.
The cheapest auto insurance company in Jefferson City is Westfield.
Teen drivers pay the highest rate in Jefferson City at $46 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.

Westfield provides the cheapest minimum car insurance coverage in Jefferson City. Their Average 6 Month Premium is $130. AutoOwners is the most expensive at $186 for the same period.

Cheapest Liability Coverage in Jefferson City, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$130	$22
Auto-Owners Insurance Co	$152	$26
Tennessee Farm Bureau	$158	$27
Farm Bureau of Tennessee	$163	$28
Tennessee Farmers	$186	$31
USAA	$186	$31
Cincinnati	$192	$32
Erie	$203	$34
Travelers	$203	$34
Farmers	$215	$36
Penn National	$232	$39
Progressive	$254	$43
State Farm	$254	$43
Allstate	$412	$70
Auto-Owners	$186	$31

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 AutoOwners Insurance Co at $67 per month and $407 for six months.

Cheapest Full Coverage Car Insurance Quotes in Jefferson City, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$407	$67
Erie	$428	$73
Westfield	$428	$71
Tennessee Farm Bureau	$457	$78
Travelers	$637	$107
Farmers	$773	$130
USAA	$779	$131
Grange	$785	$132
Farm Bureau of Tennessee	$812	$136
Tennessee Farmers	$908	$155
Penn National	$982	$163
State Farm	$1073	$182
Nationwide	$1089	$181
Progressive	$1298	$220

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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, TN increasing?

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Penn National	$576
30s	Penn National	$396
40s	Penn National	$359
50s	Penn National	$333
60s	Penn National	$349
70s	Penn National	$401

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

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Jefferson City at $26 per month. At $271 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$152	$26
USAA	$181	$30
Tennessee Farm Bureau	$215	$36
Travelers	$215	$36
Auto-Owners Insurance Co	$226	$38
Farmers	$242	$41
Grange	$242	$41
Progressive	$242	$41
Cincinnati	$248	$42
Erie	$248	$42
State Farm	$271	$46

Teen Car Insurance Rates in TN by Age

Way Tip

If you are in your twenties Penn National is the best choice for car insurance in Jefferson City.

As young drivers face the highest rates in Jefferson City, Penn National offers the cheapest auto insurance rates at $576 for six months.

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, Tennessee Farm Bureau is the cheapest car insurance provider. At $181 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 Erie, offering rates of around $355 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$181	$30
Westfield	$237	$40
Grange	$282	$48
Farmers	$305	$50
Progressive	$305	$52
Travelers	$305	$50
Cincinnati	$333	$57
Erie	$355	$59

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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, TN, 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 Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $158 and $163, respectively. Grange is an expensive provider with an average six-month premium of $305.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$158	$27
Farm Bureau of Tennessee	$163	$28
Westfield	$220	$37
USAA	$237	$40
Farmers	$242	$41
Travelers	$248	$42
Progressive	$259	$44
Erie	$276	$47
State Farm	$276	$47
Auto-Owners Insurance Co	$282	$48
Grange	$305	$50

Jefferson City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Jefferson City TN. For example, the car insurance in Jefferson City after a DUI increases to $943 for a six month policy. While the rate increases by $181 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	$942	$157
Not-at-fault accident	$948	$162
One Med/PIP claim	$954	$159
One comp claim	$965	$164
Two comp claims	$977	$162
Two Med/PIP claims	$977	$166
Failure to wear a seat belt	$1083	$181
Failure to show documents	$1100	$187
Child safety restraint	$1106	$184
Driving without lights	$1106	$188
Cell phone violation	$1123	$187
Driving with expired registration	$1123	$191
Speeding 6 - 10 MPH over limit	$1123	$187
Driving too slowly	$1129	$192
Speeding 11 - 15 MPH over limit	$1129	$188
Speeding in school zone	$1129	$192
Failure to yield	$1134	$189
Following too closely	$1134	$193
Illegal turn	$1134	$189
Speeding 16 - 20 MPH over limit	$1134	$193
Texting while driving	$1134	$189
Improper passing	$1146	$195
Wrong way/wrong lane	$1146	$191
Failure to stop at a red light	$1151	$196
In 65 MPH zone	$1169	$195
Speeding 21 - 25 MPH over limit	$1196	$203
At-fault accident - less than $1000	$1213	$202
Passing school bus	$1213	$206
Operating a vehicle without permission	$1286	$215
Open container	$1298	$220
At-fault accident - $1000-$2000	$1399	$234
At-fault accident - greater than $2000	$1399	$238
Reckless driving	$1766	$295
Racing	$1772	$301
Driving with a suspended license	$1817	$303
Refusal to submit to a chemical test	$1851	$314
DUI	$1885	$314
Leaving scene of an accident/hit and run	$1885	$320

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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 Tennessee Farm Bureau at $248 for a six-month policy. However, it can be as expensive as $1557 with companies like Allstate.

Jefferson City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$248	$42
Farmers	$288	$48
Erie	$294	$50
Grange	$384	$64
Travelers	$474	$80
State Farm	$683	$115
Progressive	$711	$120
USAA	$807	$136
Tennessee Farmers	$1094	$186
Allstate	$1557	$259

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 Westfield at $152. However, it can be as expensive as $259 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
Westfield	$152	$26
Tennessee Farm Bureau	$158	$27
Erie	$181	$30
Auto-Owners Insurance Co	$220	$37
State Farm	$220	$37
Cincinnati	$232	$39
Travelers	$248	$42
Chubb	$254	$43
Progressive	$259	$44

Car Insurance Price Trends in Jefferson City, Tennessee

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 $91 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.

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Frequently Asked Questions

How much is car insurance in Jefferson City?

The car insurance in Jefferson City is $22 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 $67 per month for full coverage.

How much is car insurance in Jefferson City for teenagers?

Car insurance for teenagers costs $152 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 $816 for a six-month policy. It will cost around $130 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 Tennessee

National Average

Cheapest Car Insurance Companies in Jefferson City

1st place: AutoOwners Insurance Co

2nd place: Erie

3rd place: Westfield

Jefferson City Car Insurance Rates by Company

Cheap Car Insurance Companies in Jefferson City, TN

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, TN

Cheapest Full Coverage Car Insurance in Jefferson City

Cheapest Full Coverage Car Insurance Quotes in Jefferson City, TN

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, TN 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,TN

If you are in your twenties Penn National 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, Tennessee

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, TN

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

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