Car Insurance in Jefferson City, MO

The percentage of uninsured drivers in Missouri (14%) is higher than the current national average of 13%. Having car insurance is critical to protect yourself against collisions with these uninsured drivers on the road and many other types of potential disasters.

Fortunately, an independent insurance agent in Jefferson City can help you get equipped with the right car insurance ASAP. But for starters, here's an expert overview of Jefferson City, MO car insurance.

Best Car Insurance in Jefferson City, MO

The best car insurance in Jefferson City, MO can be easy to find if you work with an independent insurance agent. Not only do local independent insurance agents know the top car insurance companies in your area, but they also know which discounts to ask about to save you the most money possible on your coverage. Even better, they'll make sure that you get set up with a policy that only includes the necessary coverages.

What Does Car Insurance Cover in Jefferson City, MO?

Your car insurance policy must include your state's minimum coverage requirements and the specific protections you want to add.

Many drivers in Jefferson City choose these coverages for their car insurance:

• Collision coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled in a collision, regardless of fault. 
• Comprehensive coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled by a non-collision event such as a hailstorm or theft.  
• Liability coverage: This covers legal expenses if you cause property damage or bodily injury to a third party with your vehicle.
• Personal injury protection: This coverage reimburses injuries to yourself and your passengers if you're at fault for an accident.

Your independent insurance agent is familiar with the types of coverage you'll need to include in your car insurance policy. They'll help you build a comprehensive policy that covers all the aspects you need it to.

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How Much Does Car Insurance Cost in Jefferson City, MO?

Annual rates for car insurance in Missouri are $1,112, which places the state at #35 for the highest premiums in the nation. Compared to the current US average of $1,311 per year for car insurance, drivers in Jefferson City can save a good bit of money annually on their coverage. An independent insurance agent in Jefferson City can also help you find the most affordable car insurance around.

Is Car Insurance Required in Jefferson City, MO?

Drivers across Missouri must, under state law, carry uninsured motorist coverage in two categories as well as both types of auto insurance liability coverage.

Car insurance required for drivers in Jefferson City, MO:

• Uninsured motorist coverage: This covers you if you get into an accident with an uninsured or underinsured driver who was at fault. In Missouri, drivers must have at least $25,000 of uninsured motorist coverage per person and $50,000 per accident.
• Bodily injury liability: This covers the cost of lawsuits related to causing bodily injury to someone else with your vehicle. In Missouri, drivers must have at least $25,000 of bodily injury liability coverage per person and $50,000 per incident.
• Property damage liability: This covers the costs of lawsuits related to causing damage to someone else's property with your vehicle. In Missouri, drivers must have at least $25,000 per incident of property damage liability coverage.

If you're unfamiliar with these coverages or what exactly is required to drive legally in your state, an independent insurance agent in Jefferson City has got you covered. They're familiar with Missouri's minimum requirements for car insurance so you won't walk away without what you need.

What Are the Best Car Insurance Companies in Jefferson City, MO?

Finding car insurance in Jefferson City, MO from a top-rated carrier is easy, especially when you refer to our list below. Here are some top picks for quality car insurance carriers in your city.

Best Car Insurance Companies in Jefferson City, MO	Star Rating
Progressive
Stillwater
Nationwide
Travelers
Foremost

Why Work with an Independent Insurance Agent in Jefferson City, MO?

There's no such thing as a one-size-fits-all car insurance policy. With a wide variety of products and options at your disposal, you can put together a solid car insurance package that's custom-built for you and other drivers in your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best car insurance companies in Missouri to find you the right coverage at a great price.