Cheap Car Insurance in Joplin, MO, Starting at $23 (2024)

In Joplin, Missouri, drivers pay $129 per month, on average, for car insurance — which falls below the Missouri state average of $166 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.

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.

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 $81 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 $176 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:

• 

  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.

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 $254 per month for full coverage and $117 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 $259 per month for full coverage and $119 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 $294 per month for full coverage and $135 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 $114 per month for full coverage and $53 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 $326 per month for full coverage and $150 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 $158 per month. The average monthly car insurance premium in Joplin is $176 for full coverage and $81 for minimum coverage. For comparison, the U.S. national average rate is $213 per month for full coverage and $104 per month for minimum coverage.

Statewide, Missouri drivers pay $166 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 $176 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.

Joplin car insurance FAQs

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

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

• 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.

1. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
2. National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2022 Top 25 Groups and Companies by Countrywide Premium."
3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
4. Missouri Department of Revenue. "Insurance Information."
5. Missouri Department of Revenue. "Driving While Intoxicated (DWI)."
6. Centers for Disease Control and Prevention. "Older Adult Drivers."
7. Insurance Institute for Highway Safety, Highway Loss Data Institute. "Fatality Facts 2021 Teenagers."
8. Insurance Information Institute. "Credit and insurance scores."

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.