{"id":34314,"date":"2021-12-17T09:45:04","date_gmt":"2021-12-17T17:45:04","guid":{"rendered":"https:\/\/www.freeway.com\/?page_id=34314"},"modified":"2023-09-19T09:09:09","modified_gmt":"2023-09-19T16:09:09","slug":"jefferson-city","status":"publish","type":"page","link":"https:\/\/www.freeway.com\/auto-insurance\/missouri\/jefferson-city\/","title":{"rendered":"Car Insurance in Jefferson City"},"content":{"rendered":"<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61af7e1e6c6a7\">\n    <div class=\"o-wrapper \">\n        \n                            <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>Situated on the banks of the majestic Missouri River, Jefferson City is the capital of Missouri and known by some as \u201cAmerica\u2019s Most Beautiful Small Town.\u201d 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.<\/p>\n<p>As with any city in the U.S., those driving around this special place need to have reliable <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">car insurance<\/a> to protect themselves and others on the road. Keep reading to discover everything you need to know about <a href=\"https:\/\/www.freeway.com\/auto-insurance\/cheap\/\">cheap car<\/a> insurance in <a href=\"https:\/\/www.freeway.com\/auto-insurance\/missouri\/\">Jefferson City<\/a>!<\/p>\n<h3 style=\"text-align: left;\">Quick Facts<\/h3>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>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.<\/li>\n<li>The average cost of the minimum required car insurance in Jefferson City is $42 per month.<\/li>\n<\/ul>\n                <\/div>\n                                    \n            \n            \n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_61af7e6c6c6a8\">\n    <div class=\"o-wrapper Default\">\n                    <h2 class=\"c-section__title\">How Much Is Car Insurance in Jefferson City?*<\/h2>\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>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.<\/p>\n<p>Drivers in Jefferson City need to protect themselves with the right <a href=\"https:\/\/www.freeway.com\/auto-insurance\/coverage\/\">level of car insurance coverage<\/a>. 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:<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>City<\/th>\n                                                                                            <th>Average Monthly Cost of Car Insurance<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Columbia<\/td>\n                                                                                            <td>$47<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Jefferson City<\/td>\n                                                                                            <td>$42<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Kansas City<\/td>\n                                                                                            <td>$65<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Saint Louis<\/td>\n                                                                                            <td>$62<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>Springfield<\/td>\n                                                                                            <td>$51<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_61af7ef56c6a9\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Jefferson City Car Insurance Rates by Zip Code<\/h3>\n<p>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.<\/p>\n<p>Don\u2019t believe it? Here are the different car insurance average prices you can expect to pay by zip code.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Zip code<\/th>\n                                                                                            <th>Average monthly car insurance cost<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>65101<\/td>\n                                                                                            <td>$43<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>65102<\/td>\n                                                                                            <td>$43<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>65109<\/td>\n                                                                                            <td>$42<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>65111<\/td>\n                                                                                            <td>$43<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing\" id=\"tables-block_61af7f796c6aa\">\n    <div class=\"o-wrapper Default\">\n                        <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">Jefferson City Car Insurance Rates by Age<\/h3>\n<p>While your location helps inform the <a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/lower-car-insurance\/\">cost of your car insurance<\/a>, you can at least control where you live. But one major factor affecting your insurance premium that you can\u2019t change is your age!<\/p>\n<p>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.<\/p>\n                <\/div>\n                        <div class=\"c-regional-page-table\">\n                <div class=\"c-regional-page-table__content\">\n                    <div class=\"c-regional-page-table__scroll\">\n                                                    <table class=\"c-regional-page-table__table c-regional-page-table__table--large \">\n                                                                    <tr>\n                                            \n                                                                                            <th>Age<\/th>\n                                                                                            <th>Average monthly car insurance<\/th>\n                                                                                                                        <\/tr>\n                                                                                                                                            <tr>\n                                                                                            <td>Teenagers<\/td>\n                                                                                            <td>$244<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>20s<\/td>\n                                                                                            <td>$98<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>30s<\/td>\n                                                                                            <td>$43<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>40s<\/td>\n                                                                                            <td>$42<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>50s<\/td>\n                                                                                            <td>$42<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>60s<\/td>\n                                                                                            <td>$40<\/td>\n                                                                                    <\/tr>\n                                                                            <tr>\n                                                                                            <td>70s<\/td>\n                                                                                            <td>$46<\/td>\n                                                                                    <\/tr>\n                                                                                                <\/table>\n                                            <\/div>\n                <\/div>\n            <\/div>\n                            <div class=\"c-state-table__text\">\n                    \n\n                            <p><p>*<span style=\"text-decoration: underline;\"><i>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.<\/i><\/span><\/p>\n<\/p>\n\n                                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61af80306c6ac\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Driving Conditions in Jefferson City<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <h3 style=\"text-align: left;\">How Many Accidents Happen in Jefferson City?<\/h3>\n<p>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.<\/p>\n<h3 style=\"text-align: left;\">How Are the Road Infrastructure and Bridges in Jefferson City?<\/h3>\n<p>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 <a href=\"https:\/\/tripnet.org\/reports\/trip-missouri-btn-report-columbia-jefferson-city-news-release-12-03-2020\/\" target=\"_blank\" rel=\"noopener\">nonprofit<\/a> 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.<\/p>\n<p>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.<\/p>\n<p>According to the American Society of Civil Engineers (ASCE), 12.5% of Missouri\u2019s 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.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<div class=\"c-quick-small js-quick-quote \">\n    <div class=\"c-quick-small__wrapper\">\n        <div class=\"c-quick-small__content\">\n                            <div class=\"c-quick-small__icon\">\n                <span class=\"o-icon\"><svg aria-hidden=\"true\" focusable=\"false\" role=\"img\"><use xlink:href=\"https:\/\/www.freeway.com\/wp-content\/themes\/freewayv2\/template\/html\/images\/icons\/icons.svg#icon-auto\"><\/use><\/svg><\/span>\n                <\/div>\n                <h2 class=\"c-quick-small__title\">Get a Quote for Car Insurance in Missouri Today!<\/h2>\n                    <\/div>\n        \n                    <form class=\"form c-quick-small-form ajax-quote-form-new\" action=\"https:\/\/www.freeway.com\/\/submit-quote\/\">\n                    <div class=\"c-quick-small-form__item\">\n                <label class=\"c-quick-small-form__label\" for=\"zipcodeQuote\">Zip Code<\/label>\n                <input class=\"c-quick-small-form__input zipcodeQuickQuote only-numbers\" type=\"tel\"  name=\"zipcode\" id=\"zipcodeQuickQuote\" maxlength=\"5\" autocomplete=\"on\">\n                \n            <\/div>\n            <div class=\"c-quick-small-form__controls\">\n                                    <input type=\"hidden\" value=\"A\" name=\"type_insurance\">\n                    <button class=\"c-quick-small-form__submit c-button c-button--orange c-button--text-big\" type=\"submit\">Start Quote<\/button>\n                            <\/div>\n        <\/form>\n    <\/div>\n<\/div>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61af80b86c6ad\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Minimum Car Insurance Requirements in Jefferson City<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>For drivers in Jefferson City, MO., it\u2019s important to have at least the minimum level of state-required car insurance. Minimum car insurance requirements in Jefferson City consist of:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>$25,000 bodily injury per person<\/li>\n<li>$50,000 bodily injury per accident<\/li>\n<li>$25,000 property damage per accident<\/li>\n<li>$25,000\/$50,000 uninsured motorist coverage<\/li>\n<\/ul>\n<p>Don\u2019t forget that if you don\u2019t 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 <a href=\"https:\/\/www.freeway.com\/auto-insurance\/\">amount of car insurance<\/a> that is best for you and your needs.<\/p>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--bottom-0-spacing \" id=\"default-block_61af80e56c6ae\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">Factors Allowed in Jefferson City Car Insurance Rates<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>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?<\/p>\n<p>Below, we have a breakdown of the different factors that insurance carriers in Jefferson City are allowed to consider:<\/p>\n                <\/div>\n                        \n                            <div class=\"c-sections__list-column \">\n                    <ul>\n<li>Age<\/li>\n<li>Zip code<\/li>\n<li>Education &amp; occupation<\/li>\n<li>Marital status<\/li>\n<li>Credit score<\/li>\n<li>Gender<\/li>\n<\/ul>\n<p>If any of these factors should change, you should alert your insurance company to see if you can save money on your monthly premium.<\/p>\n                <\/div>\n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n\n<section id=\"list-icons-block_61af9a613abd2\" class=\"c-section \">\n    <div class=\"o-wrapper  \">\n                                    <h2 class=\"c-section__title\">Discounts for Car Insurance in Jefferson City<\/h2>\n                            <div class=\"c-section__content c-section__content--small-top-margin\">\n                            <div class=\"s-cms-content\">\n                    <p>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\u00a0<a href=\"https:\/\/www.freeway.com\/knowledge-center\/auto\/lower-car-insurance\/\">discounts they offer to drivers<\/a>.<\/p>\n<p>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:<\/p>\n                <\/div>\n            \n                            <div class=\"c-saving-features\">\n                    <ul class=\"o-list-bare c-saving-features__list\">\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/student.svg\" alt=\"Blue icon of a graduation cap\">\n                            <p class=\"c-saving-features__list-text\">Good student discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/multi-car.svg\" alt=\"Blue icon of two cars\">\n                            <p class=\"c-saving-features__list-text\">Multiple vehicles discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/Good-driving-discount.svg\" alt=\"Green icon of a green car\">\n                            <p class=\"c-saving-features__list-text\">Good driving discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/10\/driver-2.svg\" alt=\"Graphic of a man driving a car\">\n                            <p class=\"c-saving-features__list-text\">Defensive driver discount<\/p>\n                        <\/li>\n                                                <li class=\"o-list-bare__item c-saving-features__list-item\">\n                            <img decoding=\"async\" class=\"c-saving-features__list-image\" loading=\"lazy\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/08\/anti-theft.svg\" alt=\"Pink icon of a thief\">\n                            <p class=\"c-saving-features__list-text\">Anti-theft device discount<\/p>\n                        <\/li>\n                                            <\/ul>\n                <\/div>\n                        \n                            <div class=\"s-cms-content\">\n                    <p>To get the full list of available discounts, be sure to contact your insurance company! Check in annually \u2013 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.<\/p>\n                <\/div>\n            \n        <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section  \" id=\"default-block_61af81496c6b0\">\n    <div class=\"o-wrapper \">\n        \n                                    <h2 class=\"c-section__title\">What Are the Penalties for Driving Without Insurance in Jefferson City?<\/h2>\n                                        <h3 class=\"c-section__title c-section__title--black\"><\/h3>\n                <div class=\"c-section__content c-section__content--small-top-margin\">\n                                            <div class=\"s-cms-content\">\n                    <p>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\u2019ll face some fairly stiff penalties!<\/p>\n<p>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\u2019ll need to pay $20 to reinstate your driving privileges.<\/p>\n<p>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\u2019ll need to pay $200 to reinstate driving privileges after you obtain insurance.<\/p>\n<p>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.<\/p>\n                <\/div>\n                        \n                                    \n            \n            \n                            <div class=\"u-text-small\">\n                                    <\/div>\n                    <\/div>\n    <\/div>\n<\/section>\n\n<section class=\"c-section c-section--light-blue\" id=\"image-with-text-block_61af81846c6b1\">\n    <div class=\"o-wrapper\">\n        <div class=\"c-media-block \">\n            \n                                    <h2 class=\"c-media-block__title c-section__title c-section__title--black \">Get a Jefferson City Car Insurance Quote Today!\n                                            <\/h2>\n                                \n                                                <picture class=\"c-media-block__img c-media-block__img--circle o-crop o-crop--fill\">\n                <!--<source srcset=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-srcset=\"images\/components\/about\/about1.webp, images\/components\/about\/about1.webp 2x\" type=\"image\/webp\">-->\n                                                <img decoding=\"async\" loading=\"lazy\" class=\"o-crop__content o-crop__content--center\" src=\"https:\/\/www.freeway.com\/wp-content\/uploads\/2021\/12\/Georgia-3.jpg\" alt=\"Missouri state capitol building in Jefferson City\">\n            <\/picture>\n            <div class=\"c-media-block__content\">\n                <div class=\"s-cms-content\">\n                    <p>You can\u2019t 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?<\/p>\n<p>Here at Freeway Insurance, we are ready to get you started with a quote <a href=\"#modal-turbo\">online<\/a>. If you\u2019d rather visit in person, you can always come to one of our local <a href=\"https:\/\/locations.freeway.com\/?search=Jefferson+City&#038;latitude=&#038;longitude=&#038;radio=200&#038;time=open-any\" target=\"_blank\" rel=\"noopener\">offices<\/a>. Or you can just pick up the phone and call us at <a href=\"tel:800-777-5620\">(800) 777-5620<\/a> for a quote today!<\/p>\n                <\/div>\n                                    <div class=\"c-sections__list-column\">\n                                            <\/div>\n                                                                                <\/div>\n                            <div class=\"c-media-block__button\">\n                    <a class=\"c-button c-button--orange c-button--text-bing\" href=\"#modal-turbo\"  >\n                                                                                        Get Started                                            <\/a>\n                <\/div>\n                    <\/div>\n    <\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":25481,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"template-parts\/products.php","meta":{"footnotes":""},"acf":[],"_links":{"self":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34314"}],"collection":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/comments?post=34314"}],"version-history":[{"count":16,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34314\/revisions"}],"predecessor-version":[{"id":44849,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/34314\/revisions\/44849"}],"up":[{"embeddable":true,"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/pages\/25481"}],"wp:attachment":[{"href":"https:\/\/www.freeway.com\/wp-json\/wp\/v2\/media?parent=34314"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}