Cheapest Auto Insurance in Jefferson City, Missouri (2025)

Though Jefferson City is the capital of Missouri, the city has a lower population and motor vehicle theft rate than many other cities in the state.1 These two factors may partially explain why the average monthly cost of car insurance in Jefferson City is $115 per month, which is lower than the state average of $133 and the national average of $143.

Here’s what you need to know about finding cheap car insurance in Jefferson City.

3 of the cheapest car insurance companies in Jefferson City 

Comparing quotes from multiple insurers is the best way to find affordable coverage that meets your needs. You should also consider consumer reviews, customer service scores, coverage offerings, and available discounts when looking into various companies.

The best choice for you is the company that meets your insurance needs and offers coverage within your budget. USAA, State Farm, and Allstate are three of the cheapest car insurance companies in Jefferson City. The quotes listed reflect average costs for drivers across the state of Missouri.

Best insurer for veterans: USAA

Best insurer for cheap rates: State Farm

Best insurer for student drivers: Allstate

How to get the cheapest car insurance in Jefferson City

Rather than searching for the cheapest motor vehicle insurance available, you should look for the coverage options you need at the lowest prices offered. Although you can’t control how factors like your ZIP code, crime rates in your area, and age influence car insurance rates, you can still take action to save money.

Here are some tips to help you save:

• Shop around. It’s a good idea to compare quotes annually to see the different rates available to you. Prices for car insurance fluctuate, so even if the national average increases, you may find that rates in Jefferson City decrease due to competition between local insurance companies.

• Take advantage of discounts. Most insurance companies offer a variety of discounts. You can earn some discounts right away, like those for having vehicle safety features. Other savings come with time, such as discounts for remaining accident-free or for being a loyal customer.

• Increase your deductible. If you increase your deductible, you’ll typically pay a lower car insurance premium. As long as you can afford potentially paying out your deductible, you can increase it to benefit from lower average rates.4

Cheapest liability-only car insurance in Jefferson City: USAA

Like in most states, Missouri drivers must carry a minimum amount of liability insurance to pay for the other driver’s injuries and damages if you cause an accident. It won’t cover your injuries or vehicle damages.

The average cost of liability insurance in Jefferson City is $82 per month. Compare some of the cheapest coverage options below.

Cheapest full-coverage car insurance in Jefferson City: USAA

Unlike liability-only coverage, a full-coverage insurance policy includes optional coverages like collision and comprehensive insurance. If you have a vehicle loan or lease, your lender may require you to purchase this coverage. Even if your lender doesn’t require it, you should consider purchasing it for vehicle protection.

Full-coverage car insurance in Jefferson City costs $149 per month, on average. Here are some of the cheapest full-coverage insurance options for drivers in the city.

Car insurance requirements in Missouri

Missouri state law requires drivers to purchase a minimum amount of liability car insurance, including bodily injury and property damage insurance. Every auto policy insurer in Missouri must offer at least the minimum liability coverage required by the state.

Here are the specific requirements Missouri drivers must meet:5

Because liability insurance doesn’t cover your damages and loss after an accident, you may want to purchase other optional coverages for greater protection. Common coverages to consider include the following:

Cheapest car insurance for drivers with an incident

Having one or more past driving incidents on your record can increase your car insurance rates. Incidents include speeding tickets, at-fault accidents, DUIs, and other moving violations, like a fender bender.

Auto insurers view people with past incidents as higher-risk drivers more likely to have an accident, so they increase premiums accordingly. Jefferson City drivers with a past incident pay an average of $94 per month for liability car insurance.

Compare the cost of liability insurance by driving record in Jefferson City below.

Average cost of car insurance by age

Your age plays a significant role in auto insurance premiums because certain age groups pose higher risk. Teenagers typically pay the highest car insurance rates due to a lack of driving experience. Most drivers will see rates decline between ages 35 and 70.

Senior drivers comprise 21% of licensed drivers on the road in Missouri.6 Car insurance policyholders older than 70 may face increased insurance rates due to the risk of aging-related mobility or cognitive issues.

The following table compares the average monthly quote for Jefferson City drivers of different age categories.

Jefferson City car insurance quotes by credit tier

Missouri allows insurance companies to look at snapshots of a driver’s credit history to influence rates. However, state law prohibits insurers from setting a rate purely on this information alone.

Drivers with excellent or good credit scores usually pay lower rates than drivers with poor credit scores. Compare the average cost of full-coverage car insurance in Jefferson City by credit tier below.

Jefferson City car insurance FAQs