Best car insurance in Blue Springs, MO (2024)

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Ed ZuccarelliFreelance contributorEd Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.&Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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The average cost of full coverage car insurance in Blue Springs, Missouri is $1,550 per year, close to the state average of $1,588. But drivers in Blue Springs can save even more money by shopping around and comparing quotes from several car insurance companies.

Ready to shop car insurance?

Policygenius can help you see quotes from top insurance companies near you in Missouri so that you can choose the coverage that’s best for you.

Key takeaways

  • USAA offers the cheapest average rates in Blue Springs at $746 per year for a full coverage policy 

  • 64014 is the cheapest ZIP code for car insurance, with an average rate of $1,538 per year

  • Missouri requires at least $25,000 per person and $50,000 per accident in bodily injury liability coverage and $10,000 in property damage liability coverage

  • Missouri also required uninsured/underinsured motorist coverage

Methodology & why you can trust our rates

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Cheapest car insurance companies in Blue Springs, MO

Car insurance companies base your rates on everything from your age and location to your driving history and credit score. But insurance companies don’t all charge the same rates for the same coverage, and costs can vary widely depending on which provider you choose.

Company

Average cost

JD Power Rating

USAA

$746

890

State Farm

$1,042

882

Farm Bureau

$1,118

--

Auto-Owners Insurance

$1,249

865

Travelers

$1,254

854

Cheapest car insurance rates by ZIP code in Blue Springs, MO

Even within a smaller city like Blue Springs, rates can vary depending on where you live. Factors such as the number of accidents, tickets issued, and the amount of secure and off-street parking can influence the rates in your ZIP code.

ZIP code

Average cost

64014

$1,538

64015

$1,562

Choosing the right car insurance company in Blue Springs, MO

The right car insurance company for one driver isn’t necessarily the right car insurance company for another. Because rates are so personalized, the only way to find the best coverage for you is to shop around and compare quotes. Policygenius can help you see options from top insurance companies, so you can choose the coverage you need at a price that works for you.

Car insurance rates for drivers with driving violations in Blue Springs, MO

Even a single accident or moving violation on your record can mean higher car insurance rates. The best way to avoid this is to be a safe and careful driver, but if you do have a less-than-perfect driving record, it is even more important to shop around and compare rates.

Violation

USAA

State Farm

Farm Bureau

Auto-Owners Insurance

Travelers

At-fault accident

$1,041

$1,233

$1,209

$3,410

$1,693

DUI

$1,355

$1,145

$1,391

$3,020

$1,851

Suspended license

$1,305

$1,145

$1,391

$3,020

$1,851

Open container

$1,094

$1,145

$1,391

$1,626

$1,618

Expired registration

$947

$1,145

$1,118

$1,261

$1,618

Driving without lights

$947

$1,145

$1,118

$1,626

$1,590

Running a red light

$947

$1,145

$1,164

$1,626

$1,618

Following too closely

$947

$1,145

$1,164

$1,626

$1,618

Hit and run

$1,401

$1,145

$1,391

$3,020

$1,851

Not-at-fault accident

$805

$1,059

$1,118

$1,261

$1,350

Passing a school bus

$1,094

$1,145

$1,164

$1,794

$1,851

Reckless driving

$1,182

$1,145

$1,164

$3,020

$1,851

Speeding

$947

$1,145

$1,164

$2,072

$1,851

Collapse table

Cheapest car insurance for drivers with a DUI in Blue Springs, MO

Company

Rates for drivers with DUIs

State Farm

$1,145

USAA

$1,355

Farm Bureau

$1,391

Travelers

$1,851

Auto-Owners Insurance

$3,020

Cheapest car insurance for drivers with a speeding ticket in Blue Springs, MO

Company

Rates for drivers with speeding tickets

USAA

$947

State Farm

$1,145

Farm Bureau

$1,164

Travelers

$1,851

Auto-Owners Insurance

$2,072

Cheapest car insurance for drivers with bad credit in Blue Springs, MO

Insurance companies factor your credit score into your rates for coverage. Not all states allow credit to be a determining factor, but Missouri does, and the additional cost for drivers with poor credit can be substantial.

Company

Rates for drivers with bad credit

USAA

$1,399

Farm Bureau

$1,884

Columbia Insurance

$1,954

State Farm

$2,029

Nationwide

$2,262

Ready to shop car insurance?

Buying car insurance in Blue Springs, MO

Missouri requires a minimum amount of car insurance coverage, but remember that most drivers need well over the state minimums in order to be fully protected in case of an accident. Here are the minimum coverage levels that all Blue Springs drivers must meet:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $10,000

  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per incident

Missouri is an at-fault state when it comes to accidents. That means the insurance company of the driver responsible for causing an accident must pay for the damage or injuries they caused. Under the state's pure comparative fault system, multiple parties can be at fault in an accident, and their degree of liability determines how claims are settled.

How to get cheap car insurance in Blue Springs, MO

  • Be familiar with your coverage options. Understand what each part of your car insurance policy covers and know how much of each you need.

  • Compare quotes. Companies will all charge you different rates, and they may offer different discounts and perks, which is why you should shop around. 

  • Do you own a home or rent? Bundle your homeowners or renters insurance with your car insurance policy and you’ll save.

  • Re-shop for your policy every year or so, even if it means changing companies. Car insurance companies compete for your business, take advantage of what they have to offer.

Frequently asked questions

What is the cheapest insurance company in Blue Springs?

Car insurance from USAA is usually the cheapest option for drivers in Blue Springs. However, since USAA is only available to people affiliated with the military, State Farm is the most affordable company for the general public.

What is the monthly cost of insurance in Blue Springs, Missouri?

On average, drivers in Blue Springs, Missouri, pay $129 per month for car insurance. That's $1,550 per year.

Is car insurance mandatory in Missouri and what are the penalties for driving without it?

Yes, it is illegal to drive without insurance in Missouri. Drivers must show proof of insurance to any law enforcement official upon request, or receive a ticket for failing to do so. Consequences for failing to show proof of insurance can include points on your license or suspension of driving privileges.

How often should I update my coverage?

You should be sure to reshop for car insurance yearly, especially if your rates go up. That’s how you’ll know you’re getting the best possible deal on your car insurance policy.

Authors

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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