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.
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.
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 |
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 |
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.
