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Car Insurance in Jefferson City

Illustration of van driving by Freeway Insurance headquarters

Situated on the banks of the majestic Missouri River, Jefferson City is the capital of Missouri and known by some as “America’s Most Beautiful Small Town.” Residents and visitors alike will enjoy the many outside recreational opportunities, as well as vibrant and unique shopping and dining experiences in the downtown area. For those with a taste for history, Jefferson City offers the Museum of Military History.

As with any city in the U.S., those driving around this special place need to have reliable car insurance to protect themselves and others on the road. Keep reading to discover everything you need to know about cheap car insurance in Jefferson City!

Quick Facts

  • In 2020, there were only three traffic-related fatalities, 262 personal injury crashes with 353 people injured and 1,026 total crashes in Jefferson City.
  • The average cost of the minimum required car insurance in Jefferson City is $42 per month.

How Much Is Car Insurance in Jefferson City?*

The average cost of car insurance in Jefferson City is $42/month. This is a little bit higher than the Missouri state average of $39. However, it is cheaper than the national car insurance average of $47.

Drivers in Jefferson City need to protect themselves with the right level of car insurance coverage. To give you a better idea of how Jefferson City insurance prices stack up, check out this breakdown of the average car insurance cost in different major cities within the state:

City Average Monthly Cost of Car Insurance
Columbia $47
Jefferson City $42
Kansas City $65
Saint Louis $62
Springfield $51

Jefferson City Car Insurance Rates by Zip Code

Many factors can affect how much you pay for car insurance in Jefferson City, including where you live. In fact, even moving to different parts of the city can drive your insurance premium either up or down.

Don’t believe it? Here are the different car insurance average prices you can expect to pay by zip code.

Zip code Average monthly car insurance cost
65101 $43
65102 $43
65109 $42
65111 $43

Jefferson City Car Insurance Rates by Age

While your location helps inform the cost of your car insurance, you can at least control where you live. But one major factor affecting your insurance premium that you can’t change is your age!

Drivers of different ages in Jefferson City can expect to pay different prices at different stages of life. Below, you can read our breakdown of the average car insurance prices by age in the city.

Age Average monthly car insurance
Teenagers $244
20s $98
30s $43
40s $42
50s $42
60s $40
70s $46

*We use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by state. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.

Driving Conditions in Jefferson City

How Many Accidents Happen in Jefferson City?

In 2020, there were only three traffic-related fatalities, but there were 1,026 accidents. Of those, there were 262 accidents that resulted in 353 people being injured and 761 incidents of property damage.

How Are the Road Infrastructure and Bridges in Jefferson City?

While it is pretty safe to drive in Jefferson City, the road infrastructure is actually very poor. According to a report at the end of 2020, a nonprofit determined that drivers in the Columbia-Jefferson City area pay an additional $1,514 each year due to both vehicle and depreciation costs as a result of road deterioration, accidents and congestion.

The same report found that 8% of the local bridges are structurally deficient. While local authorities are working to improve the infrastructure, such improvements may not happen anytime soon.

According to the American Society of Civil Engineers (ASCE), 12.5% of Missouri’s bridges are structurally deficient. ASCE estimates that overall, Missouri residents each spend $604 annually for vehicle repairs and operating costs due to the poor condition of the roads. The national average is $533 per driver annually.

Get a Quote for Car Insurance in Missouri Today!

Minimum Car Insurance Requirements in Jefferson City

For drivers in Jefferson City, MO., it’s important to have at least the minimum level of state-required car insurance. Minimum car insurance requirements in Jefferson City consist of:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident
  • $25,000/$50,000 uninsured motorist coverage

Don’t forget that if you don’t have enough liability coverage, you may be left with a large debt if you are at fault for a car accident. Try to find the right amount of car insurance that is best for you and your needs.

Factors Allowed in Jefferson City Car Insurance Rates

So far, we have focused on two factors affecting your car insurance premium: age and location. But what other factors are car insurance companies allowed to consider?

Below, we have a breakdown of the different factors that insurance carriers in Jefferson City are allowed to consider:

  • Age
  • Zip code
  • Education & occupation
  • Marital status
  • Credit score
  • Gender

If any of these factors should change, you should alert your insurance company to see if you can save money on your monthly premium.

Discounts for Car Insurance in Jefferson City

In a hurry to save money on your car insurance? One of the simplest ways to do so is to contact your insurance carrier and see which discounts they offer to drivers.

What kinds of discounts can you expect? While the answer varies from carrier to carrier, we have a list below of common discounts available to drivers in Jefferson City:

  • Blue icon of a graduation cap

    Good student discount

  • Blue icon of two cars

    Multiple vehicles discount

  • Green icon of a green car

    Good driving discount

  • Graphic of a man driving a car

    Defensive driver discount

  • Pink icon of a thief

    Anti-theft device discount

To get the full list of available discounts, be sure to contact your insurance company! Check in annually – and especially if your circumstances change. For example, did you start working from home? You might be eligible for a discount on fewer miles driven.

What Are the Penalties for Driving Without Insurance in Jefferson City?

There are many reasons you need to drive with the proper level of insurance in Jefferson City. And if you drive with no insurance at all, you’ll face some fairly stiff penalties!

For the first offense, you will be charged with a misdemeanor and will have your license, license plates, and registration suspended. Once you get insurance coverage, you’ll need to pay $20 to reinstate your driving privileges.

For the second offense within two years, you will be suspended from driving privileges for 90 days. You may face jail time of 15 days or a fine of $500, and you’ll need to pay $200 to reinstate driving privileges after you obtain insurance.

For the third offense within two years, you will have your license, license plates, and registration suspended for one year. The reinstatement fee is $400, and you may spend 15 days in jail or pay a fine of $500.

Get a Jefferson City Car Insurance Quote Today!

Missouri state capitol building in Jefferson City

You can’t really enjoy Jefferson City until you have the right car insurance coverage. But did you know the best car insurance in Jefferson City is just a click away?

Here at Freeway Insurance, we are ready to get you started with a quote online. If you’d rather visit in person, you can always come to one of our local offices. Or you can just pick up the phone and call us at (800) 777-5620 for a quote today!