Cheapest Auto Insurance in Joplin, Missouri (2025)
USAA offers the cheapest car insurance in Joplin, with minimum-coverage policies as low as $52 per month.
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In Joplin, Missouri, drivers pay $120 per month, on average, for car insurance — which falls below the Missouri state average of $133 per month. The city’s small population size could contribute to its lower rates.
To find the most affordable coverage in Joplin for your personal situation, start by learning about the best insurers offering coverage in the city.
Here’s what you need to know about comparing quotes and finding coverage for an affordable price in Joplin.
Quick Facts
USAA, Progressive, and State Farm have the cheapest car insurance in Joplin.
On average, Joplin drivers pay $82 per month for liability-only coverage and $157 for full coverage.
Joplin drivers pay a yearly average of $1,888 for full-coverage car insurance.
3 of the cheapest car insurance companies in Joplin
Not all car insurance companies in Joplin offer the exact same coverage options. The right policy and insurer for you depends on unique factors like your coverage needs, budget, driving history, and more.
Below, you’ll find a few of the cheapest car insurance companies offering coverage in Joplin.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: USAA
Best insurer for teen drivers: State Farm
Best insurer for drivers with an accident: Allstate
How to get the cheapest car insurance in Joplin
Car insurance premiums are unique for each driver. Your coverage needs, driving record, and age are just a few of the factors that can affect your rate. You can find cheap car insurance in Joplin, Missouri, even if you have a spotty driving record.
Here are some tips for reducing your insurance costs:
Bundle your policies. Most car insurance companies will give you a discount if you purchase two insurance policies together, like auto insurance and home insurance.
Pay in full. If you can afford to pay your annual car insurance premium up front and in full, you could get a small discount on your premium.
Choose high deductibles. For policies that require a deductible, selecting a high deductible will lower your monthly premium.
Shop around. Car insurance companies charge different rates for the same coverage. Getting quotes from several insurers can help you find the best policy at the best price for your situation.
Cheapest liability-only car insurance in Joplin: USAA
Liability-only car insurance is the cheapest type of auto insurance available in Joplin. It only includes personal liability insurance, which covers your legal and financial responsibilities when you hit another driver and cause bodily injury or property damage.3 All vehicle owners in Joplin must carry a minimum amount of liability insurance.
Liability-only auto insurance in Joplin costs an average of $82 per month. In the table below, you can see the cheapest car insurance companies in Joplin for liability-only insurance.
Cheapest full-coverage car insurance in Joplin: USAA
Full-coverage car insurance provides significantly more protection than a liability-only insurance policy. A full-coverage policy extends physical damage coverage to your vehicle if you face vehicle damage or theft. It’s a good idea to purchase full coverage if you have a new or valuable vehicle. If you lease or finance your vehicle, your lender may require you to purchase full coverage.
“Comprehensive, collision, liability, uninsured/underinsured motorist, and medical payments insurance are all coverages that are typically included with a full-coverage policy,” says P.J. Miller, vice president at Wallace & Turner, Inc.
Drivers in Joplin pay an average of $157 per month for full coverage. Below, you can see which insurers in Joplin have the cheapest average full-coverage insurance rates.
Car insurance requirements in Missouri
Missouri state law requires drivers to carry a minimum amount of car insurance, including bodily injury and property damage liability. Drivers must also carry uninsured motorist insurance equal to the bodily injury coverage limits.4
Missouri is a tort, or at-fault, state. If you get into an accident, the at-fault driver is responsible for compensating the other person for their medical expenses and vehicle repairs. This differs from no-fault states, where each driver needs to file claims with their insurance company for any damage or injury — regardless of fault.
Here’s the exact minimum-coverage amount you need to purchase in Missouri:
You may want to purchase additional coverage to protect you and your vehicle. Common optional coverages include:
Cheapest car insurance for drivers with an incident
One of the biggest factors that can affect the cost of car insurance is your driving record. If you have any incidents on your record, such as a speeding ticket, at-fault accident, or DUI conviction, you’ll probably pay a higher car insurance premium.
The rate increase you face will also depend on the severity or frequency of any incidents on your record, as well as your insurance company. For example, your premium would likely increase more after a DUI than a single speeding ticket.
Cheapest car insurance for drivers with a speeding ticket: USAA
If you have a speeding ticket on your driving record, your car insurance premium may increase slightly. Compared to other violations, a speeding ticket usually has a smaller effect on your premium. The average cost of car insurance for Joplin drivers with a speeding ticket is $190 per month for full coverage and $99 for liability only.
In the table below, you can see the cheapest car insurance companies in Joplin for drivers with a speeding ticket.
Cheapest car insurance for drivers with an at-fault accident: USAA
Getting into an accident can affect your car insurance premium significantly, depending on your insurance company. The degree of damage you caused in an at-fault accident may also influence how much your rate increases.
The average cost of car insurance for Joplin drivers with an at-fault accident on record is $203 per month for full coverage and $106 for liability only coverage. Here are the cheapest car insurance companies for Joplin drivers with an at-fault accident on their record.
Cheapest car insurance for drivers with a DUI: USAA
One of the most serious traffic violations, a DUI conviction typically has the biggest effect on your car insurance rate. Auto insurers associate a DUI or DWI conviction as a risk indicator for future claims or accidents. First-time offenders in Missouri face a 90-day suspension, too.5
The average cost of car insurance for Joplin drivers with a DUI is $253 per month for full coverage and $132 for liability-only coverage. Find the cheapest companies in Joplin for drivers with a DUI in the table below.
Cheapest car insurance for seniors: USAA
Your age is another factor that can influence your auto insurance premium. Average rate data shows that premiums start to decrease consistently around age 35 and start increasing again around age 70. Some senior drivers may face changes in vision and physical abilities that make driving more difficult. Some insurers increase rates to account for the added risk.6
The average cost of car insurance for senior drivers in Joplin is $132 per month for full coverage and $69 for liability-only coverage. Here are the cheapest car insurance companies in Joplin for senior drivers.
Cheapest car insurance for teens: USAA
Teen drivers pay much higher car insurance rates than adults. Data shows that drivers between the ages of 16 and 19 have the highest fatal accident rate among all age groups.7 Additionally, the risk of accidents is very high during the first few months of having a driver’s license.
The average cost of car insurance for teenage drivers in Joplin is $293 per month for full coverage and $153 for liability-only coverage.
Although young drivers can expect to pay high car insurance rates, they can save money in a few ways. For example, staying on your parents’ insurance policy is usually more affordable than getting your own policy. Most car insurance companies offer discounts for teens, like a good student discount for maintaining a certain GPA, too.
Below, you can see which car insurance companies in Joplin offer the most affordable car insurance rates for teens.
Joplin car insurance quotes by credit tier
In Missouri, car insurance companies can consider your credit history when determining your premium. In general, drivers with good credit pay less for car insurance than drivers with poor credit. Data shows that drivers with bad credit are more likely to have insurance claims, which is why they often pay higher rates for coverage.8
The chart below includes the average car insurance premiums in Joplin for drivers by credit tier.
Is car insurance more expensive in Joplin?
The average cost of car insurance in Joplin is less than the national average of $143 per month. The average monthly car insurance premium in Joplin is $157 for full coverage and $82 for minimum coverage. For comparison, the U.S. national average rate is $182 per month for full coverage and $103 per month for minimum coverage.
Statewide, Missouri drivers pay $133 per month for car insurance. In certain areas of Missouri, including Joplin, insurers may factor in the risk of vehicle damage from severe weather like tornadoes when calculating rates.
More cities in Missouri
Premiums can vary by city and ZIP code. Some specific factors that can affect the cost of car insurance in various cities include population size, vehicle theft rate, crime rates, population density, traffic congestion, and the number of uninsured drivers in the city.
On average, Joplin drivers pay $157 per month for full coverage. Below, you can see average car insurance premiums in some other Missouri cities and how they compare to the average rate in Joplin.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Joplin car insurance FAQs
If you still have questions about finding the right coverage in Joplin, the following information should help you navigate the process. Here’s what you should know about car insurance in Joplin.
How much is car insurance in Joplin?
On average, Joplin drivers pay $120 per month for car insurance. Full-coverage insurance costs $75 per month, and liability coverage costs $52, on average. The state average is $175 per month, so Joplin drivers earn lower rates, on average.
Your specific premium depends on your driving record, credit history, age, coverage, and more.
Which company has the cheapest car insurance in Joplin?
USAA has the cheapest car insurance in Joplin, with monthly liability rates as low as $52. Progressive and State Farm also offer affordable coverage, with respective monthly liability rates of $61 and $62.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Joplin?
With an Insurify Quality (IQ) Score of 9.3 out of 5, the best insurance company in Joplin is State Farm. The company earned an AM Best financial strength rating of A++ (Superior) and has a below-average number of customer complaints, according to the NAIC.
Other top insurers include USAA, Allstate, and GEICO.
How much car insurance do you need in Missouri?
You must purchase a minimum of $25,000 per person and $50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability. In addition to liability insurance, you need to purchase $25,000 per person and $50,000 per accident in uninsured motorist coverage.
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