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Get Cheap Car Insurance in Cape Girardeau, MO
We monitor insurance prices, helping the average driver in Cape Girardeau save up to 28.5% on car insurance.
The Cheapest Minimum Coverage in Cape Girardeau
The chart below shows the cheapest car insurance company in Cape Girardeau for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Travelers, Safeco Insurance, and Clearcover.
| Cape Girardeau Insurer | Monthly Cost |
|---|---|
| State Farm | $68 |
| Travelers | $68 |
| Safeco Insurance | $69 |
| Clearcover | $74 |
Savings for Every Kind of Cape Girardeau Driver
Based on our extensive insurance data, we know the average Cape Girardeau driver will save about 27% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $483 per year by choosing the right vehicle insurance company. Some Cape Girardeau residents are paying out over $1,788 extra every year for auto insurance in Cape Girardeau. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Cape Girardeau, MO Savings / Yr. |
|---|---|
$483 |
|
$673 |
|
$616 |
|
$689 |
|
$1,454 |
|
$375 |
|
$576 |
Cape Girardeau Car Insurance vs. Missouri
People living in Cape Girardeau pay an average of 0.70% less than the typical driver in the state. The average driver in Cape Girardeau can expect to pay about $1,101 per year, or $1,788 for full coverage.
Based on our analysis, Clearcover will be the cheapest provider in Cape Girardeau for most people.
Car Insurance Prices by Cape Girardeau Neighborhood
Insurance Prices
Where is insurance cheapest within Cape Girardeau?
The map shows insurance prices in and around Cape Girardeau, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $447 per year within the city boundaries, with insurance premiums ranging from a high of $2,173 to a low of $1,726. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Cape Girardeau.Pick the Best Car Insurance Company for You in Cape Girardeau
The best car insurance provider for most drivers in Cape Girardeau
For drivers with clean driving records and no major strikes, Clearcover is the best option, with annual savings of $483 over the average Cape Girardeau car insurance company.
The best car insurance provider for Cape Girardeau drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $673 over the competition.
The best car insurance company for Cape Girardeau drivers with speeding tickets
>Clearcover gave the average person with a speeding ticket the most savings, averaging $616 better than other car insurance companies.
The best auto insurance for Cape Girardeau drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $689 less each year.
The least expensive car insurance company for new and young drivers in Cape Girardeau
In Cape Girardeau, Travelers costs young drivers $1,454 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Cape Girardeau
State Farm gave the largest car insurance discounts to married couples, averaging $375 saved each year compared to an average Cape Girardeau couple's premiums.
The cheapest car insurance in Cape Girardeau for drivers with bad credit
The best Cape Girardeau car insurance company for customer service
Nationwide was the best company for customer service in Cape Girardeau according to the NAIC.
Recent price drops
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The cheapest large national provider in Cape Girardeau
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Cape Girardeau driver can expect to pay about $114 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Cape Girardeau, USAA has the best prices for drivers with speeding tickets, drivers with bad credit, drivers with a DUI conviction, married couples, good drivers, drivers with accidents, and young drivers.Auto Insurance Prices in and Around Cape Girardeau
What Influences the Cost of Car Insurance in Cape Girardeau?
On average, car insurance in Cape Girardeau is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Cape Girardeau is 22 minutes, which is far less than average for a driver in the state.
- Missouri state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Cape Girardeau are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Cape Girardeau has an average population density in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Cape Girardeau is $92 per month for minimum coverage and $149 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- East Cape Girardeau: Insurance costs 17.90% less
- McClure: Insurance costs 17.90% less
- Blomeyer: Insurance costs 3.02% less
- Gordonville: Insurance costs 2.63% less
- Egypt Mills: Insurance costs 3.47% less
- Scott City: Insurance costs 0.73% less
- Jackson: Insurance costs 1.45% less
- Oriole: Insurance costs 2.24% less
- Dutchtown: Insurance costs 2.40% less
- Gale: Insurance costs 17.56% less
Cities with Similar Populations
- Bartlett: Insurance costs 16.50% less
- North Bethesda: Insurance costs 14.21% more
- Hanover: Insurance costs 28.64% less
- Herndon: Insurance costs 25.84% less
- Jamesburg: Insurance costs 4.14% more
- Johnstown: Insurance costs 23.27% less
- Valley Village: Insurance costs 42.06% more
- Lake Mary: Insurance costs 42.34% more
- Urbandale: Insurance costs 31.94% less
- Lake Ridge: Insurance costs 23.99% less