Cheapest Auto Insurance in Joplin, Missouri (2024)
USAA offers the cheapest car insurance in Joplin, with minimum-coverage policies as low as $24 per month.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 21, 2024
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Table of contents
In Joplin, Missouri, drivers pay $130 per month, on average, for car insurance — which falls below the Missouri state average of $154 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, State Farm, and Allstate have the cheapest car insurance in Joplin.
On average, Joplin drivers pay $87 per month for liability-only coverage and $174 for full coverage.
Joplin drivers pay a yearly average of $2,087 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.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $55 | $29 | Cheap rates |
| State Farm | 9.3 | $65 | $35 | Teen drivers |
| Allstate | 8.9 | $88 | $47 | Drivers with an accident |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 28,000 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
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $24/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $46/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is a highly rated insurance company that exclusively sells coverage to active-duty military members, veterans, and their immediate families. The company is the cheapest car insurance company in Joplin by coverage level, driving history, and age.
USAA offers a good variety of discounts for additional policy savings, but only a few coverage endorsements are available. In addition to liability insurance, the company sells roadside assistance, comprehensive, collision, and uninsured motorist coverage.
Pros
Cheapest average auto premiums in Joplin
Excellent ratings from J.D. Power and AM Best[1]
Cons
Only available to active-duty military members, veterans, and their families
Doesn’t offer many optional coverages
Best insurer for teen drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $29/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $55/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
The largest car insurance company in the U.S., State Farm also has some of the cheapest rates for drivers in Joplin.[2] State Farm stands out for its impressive list of discounts, with savings for safe drivers, good students, policy bundling, insuring multiple vehicles, and having safety features in your vehicle.
The company also has two safe driver rewards programs. But State Farm doesn’t offer as many optional coverages as some insurance companies.
Pros
Affordable car insurance rates in Joplin
At least 10 advertised discounts
Cons
Fewer coverage options than some insurers
Gap insurance not available unless you finance your car through State Farm Bank
Best insurer for drivers with an accident: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $74/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate is one of the largest insurers in the U.S. by market share. The company sells a number of insurance products, including auto, motorcycle, home, renters, condo, and term life insurance. It offers some of the cheapest average rates in Joplin, and drivers can save even more with one or more of Allstate’s 14 discounts.
Allstate offers optional accident forgiveness coverage that ensures your coverage won’t increase after an accident — even if you caused it. You can also benefit from a safe driving bonus and deductible rewards.
Pros
At least 14 advertised discounts
Offers accident forgiveness coverage
Cons
Above-average number of customer complaints
Mixed online customer reviews
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.
Find Cheap Car Insurance in Joplin
Liability rates start at $24 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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 $87 per month. In the table below, you can see the cheapest car insurance companies in Joplin for liability-only insurance.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $24 |
| State Farm | $29 |
| Allstate | $39 |
| GEICO | $43 |
| American Family | $49 |
| Clearcover | $58 |
| Progressive | $60 |
| Shelter | $65 |
| Nationwide | $69 |
| Auto-Owners | $71 |
| Travelers | $72 |
| Safeco | $75 |
| Direct Auto | $77 |
| National General | $81 |
| Dairyland | $100 |
| GAINSCO | $107 |
| Bristol West | $108 |
| The General | $109 |
| Liberty Mutual | $113 |
| AssuranceAmerica | $118 |
| Foremost | $131 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $174 per month for full coverage. Below, you can see which insurers in Joplin have the cheapest average full-coverage insurance rates.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| USAA | $46 |
| State Farm | $55 |
| Allstate | $74 |
| GEICO | $81 |
| American Family | $92 |
| Progressive | $112 |
| Clearcover | $120 |
| Safeco | $121 |
| Shelter | $122 |
| Nationwide | $130 |
| Auto-Owners | $134 |
| Travelers | $135 |
| Direct Auto | $155 |
| National General | $169 |
| Liberty Mutual | $225 |
| GAINSCO | $257 |
| The General | $257 |
| Foremost | $283 |
| Bristol West | $287 |
| Dairyland | $309 |
| AssuranceAmerica | $370 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Joplin, Missouri
Recent Joplin, Missouri car insurance prices for Chevrolet, Chrysler, Jeep , and more.
*Quotes generated for Insurify users in and around Joplin, Missouri within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Joplin, Missouri within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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:
Bodily injury liability
$25,000 per person and $50,000 per accident
Property damage liability
$25,000 per accident
Uninsured motorist bodily injury liability
$25,000 per person and $50,000 per accident
You may want to purchase additional coverage to protect you and your vehicle. Common optional coverages include:
Collision coverage
Following an accident, collision insurance covers damage to your vehicle even if you caused the collision.
Comprehensive coverage
If you face vehicle damage from a non-collision incident — including severe weather, theft, or fire — comprehensive insurance kicks in.
Medical payments coverage
Also called MedPay, medical payments insurance covers medical bills for you and your passengers and doesn’t require a deductible.
Personal injury protection coverage
In addition to medical expenses, personal injury protection can cover lost wages and essential services while you recover from an accident-related injury.
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.
Shop for Car Insurance in Joplin, MO
Monthly rates start at $29 for drivers with an incident
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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 $246 per month for full coverage and $123 for liability only.
In the table below, you can see the cheapest car insurance companies in Joplin for drivers with a speeding ticket.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| USAA | $24 | $31 |
| State Farm | $29 | $37 |
| Allstate | $39 | $51 |
| GEICO | $43 | $56 |
| American Family | $49 | $64 |
| Clearcover | $58 | $76 |
| Progressive | $60 | $78 |
| Shelter | $65 | $88 |
| Nationwide | $69 | $91 |
| Auto-Owners | $71 | $94 |
| Travelers | $72 | $95 |
| Safeco | $75 | $99 |
| Direct Auto | $77 | $101 |
| National General | $81 | $106 |
| Dairyland | $100 | $130 |
| GAINSCO | $107 | $150 |
| Bristol West | $108 | $142 |
| The General | $109 | $145 |
| Liberty Mutual | $113 | $159 |
| AssuranceAmerica | $118 | $154 |
| Foremost | $131 | $184 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $259 per month for full coverage and $130 for liability only coverage. Here are the cheapest car insurance companies for Joplin drivers with an at-fault accident on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $24 | $33 |
| State Farm | $29 | $40 |
| Allstate | $39 | $54 |
| GEICO | $43 | $59 |
| American Family | $49 | $68 |
| Clearcover | $58 | $86 |
| Progressive | $60 | $83 |
| Shelter | $65 | $93 |
| Nationwide | $69 | $96 |
| Auto-Owners | $71 | $98 |
| Travelers | $72 | $100 |
| Safeco | $75 | $103 |
| Direct Auto | $77 | $109 |
| National General | $81 | $112 |
| Dairyland | $100 | $137 |
| GAINSCO | $107 | $142 |
| Bristol West | $108 | $149 |
| The General | $109 | $153 |
| Liberty Mutual | $113 | $166 |
| AssuranceAmerica | $118 | $159 |
| Foremost | $131 | $192 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $294 per month for full coverage and $147 for liability-only coverage. Find the cheapest companies in Joplin for drivers with a DUI in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $24 | $40 |
| State Farm | $29 | $48 |
| Allstate | $39 | $65 |
| GEICO | $43 | $72 |
| American Family | $49 | $82 |
| Clearcover | $58 | $97 |
| Progressive | $60 | $100 |
| Shelter | $65 | $108 |
| Nationwide | $69 | $115 |
| Auto-Owners | $71 | $118 |
| Travelers | $72 | $120 |
| Safeco | $75 | $116 |
| Direct Auto | $77 | $128 |
| National General | $81 | $135 |
| Dairyland | $100 | $167 |
| GAINSCO | $107 | $179 |
| Bristol West | $108 | $180 |
| The General | $109 | $182 |
| Liberty Mutual | $113 | $189 |
| AssuranceAmerica | $118 | $197 |
| Foremost | $131 | $219 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
How Long Does a DUI Stay on Your Record?
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 $130 per month for full coverage and $65 for liability-only coverage. Here are the cheapest car insurance companies in Joplin for senior drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $18 | $35 |
| State Farm | $21 | $41 |
| Allstate | $30 | $56 |
| GEICO | $33 | $61 |
| American Family | $36 | $68 |
| Progressive | $41 | $76 |
| Shelter | $45 | $84 |
| Clearcover | $48 | $98 |
| Nationwide | $49 | $92 |
| Auto-Owners | $53 | $100 |
| Travelers | $53 | $100 |
| Direct Auto | $57 | $115 |
| National General | $59 | $122 |
| Safeco | $61 | $98 |
| Dairyland | $76 | $234 |
| Bristol West | $82 | $219 |
| AssuranceAmerica | $84 | $265 |
| The General | $84 | $198 |
| GAINSCO | $85 | $205 |
| Liberty Mutual | $90 | $180 |
| Foremost | $99 | $215 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $331 per month for full coverage and $165 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.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $43 | $82 |
| State Farm | $53 | $100 |
| Allstate | $73 | $139 |
| GEICO | $73 | $138 |
| American Family | $90 | $168 |
| Progressive | $111 | $208 |
| Clearcover | $113 | $233 |
| Shelter | $115 | $216 |
| Auto-Owners | $126 | $239 |
| Nationwide | $128 | $240 |
| Travelers | $138 | $258 |
| Direct Auto | $149 | $299 |
| Safeco | $152 | $245 |
| National General | $168 | $350 |
| Dairyland | $171 | $529 |
| The General | $184 | $434 |
| Bristol West | $193 | $513 |
| GAINSCO | $196 | $470 |
| Liberty Mutual | $205 | $409 |
| AssuranceAmerica | $229 | $717 |
| Foremost | $246 | $532 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Joplin?
The average cost of car insurance in Joplin is less than the national average of $154 per month. The average monthly car insurance premium in Joplin is $174 for full coverage and $87 for minimum coverage. For comparison, the U.S. national average rate is $204 per month for full coverage and $104 per month for minimum coverage.
Statewide, Missouri drivers pay $154 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 $174 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.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Cape Girardeau | $181 | $102 |
| Columbia | $198 | $96 |
| Independence | $210 | $112 |
| Jefferson City | $184 | $84 |
| Kansas City | $242 | $130 |
| Springfield | $196 | $110 |
| St. Louis | $310 | $165 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $130 per month for car insurance. Full-coverage insurance costs $46 per month, and liability coverage costs $24, on average. The state average is $210 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 $24. State Farm and Allstate also offer affordable coverage, with respective monthly liability rates of $29 and $39.
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.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Missouri
Sources
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
- National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2022 Top 25 Groups and Companies by Countrywide Premium."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Missouri Department of Revenue. "Insurance Information."
- Missouri Department of Revenue. "Driving While Intoxicated (DWI)."
- Centers for Disease Control and Prevention. "Older Adult Drivers."
- Insurance Institute for Highway Safety, Highway Loss Data Institute. "Fatality Facts 2021 Teenagers."
- Insurance Information Institute. "Credit and insurance scores."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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