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Get Cheap Car Insurance in Jefferson City, TN
We monitor insurance prices, helping the average driver in Jefferson City save up to 31.8% on car insurance.
The Cheapest Minimum Coverage in Jefferson City
The chart below shows the cheapest car insurance company in Jefferson City 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 Geico, Farmers Insurance, and Safeco Insurance.
| Jefferson City Insurer | Monthly Cost |
|---|---|
| State Farm | $51 |
| Geico | $57 |
| Farmers Insurance | $58 |
| Safeco Insurance | $58 |
Savings for Every Kind of Jefferson City Driver
Based on our extensive insurance data, we know the average Jefferson City driver will save about 26% 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 $347 per year by choosing the right vehicle insurance company. Some Jefferson City residents are paying out over $1,361 extra every year for auto insurance in Jefferson City. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Jefferson City, TN Savings / Yr. |
|---|---|
$347 |
|
$627 |
|
$463 |
|
$530 |
|
$1,365 |
|
$329 |
|
$568 |
Jefferson City Car Insurance vs. Tennessee
People living in Jefferson City pay an average of 1.32% less than the typical driver in the state. The average driver in Jefferson City can expect to pay about $857 per year, or $1,361 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Jefferson City for most people.
Car Insurance Prices by Jefferson City Neighborhood
Insurance Prices
Where is insurance cheapest within Jefferson City?
The map shows insurance prices in and around Jefferson City, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $173 per year within the city boundaries, with insurance premiums ranging from a high of $1,481 to a low of $1,308. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the West parts of Jefferson City.Pick the Best Car Insurance Company for You in Jefferson City
The best car insurance provider for most drivers in Jefferson City
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $347 over the average Jefferson City car insurance company.
The best car insurance provider for Jefferson City drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $627 over the competition.
The best car insurance company for Jefferson City drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $463 better than other car insurance companies.
The best auto insurance for Jefferson City drivers with a DUI conviction
Getting a quote from Novo may cost the average person with a DUI about $530 less each year.
The least expensive car insurance company for new and young drivers in Jefferson City
In Jefferson City, State Farm costs young drivers $1,365 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Jefferson City
State Farm gave the largest car insurance discounts to married couples, averaging $329 saved each year compared to an average Jefferson City couple's premiums.
The cheapest car insurance in Jefferson City for drivers with bad credit
The best Jefferson City car insurance company for customer service
Nationwide was the best company for customer service in Jefferson City according to the NAIC.
Recent price drops
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The cheapest large national provider in Jefferson City
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Jefferson City driver can expect to pay about $95 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 Jefferson City, USAA has the best prices for married couples, good drivers, drivers with accidents, drivers with bad credit, drivers with a DUI conviction, drivers with speeding tickets, and young drivers.Auto Insurance Prices in and Around Jefferson City
What Influences the Cost of Car Insurance in Jefferson City?
On average, car insurance in Jefferson City 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 Jefferson City is 27 minutes, which is far less than average for a driver in the state.
- Tennessee state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Jefferson City are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Jefferson City has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Jefferson City is $71 per month for minimum coverage and $113 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
- Mill Spring: Insurance costs 3.89% less
- Talbott: Insurance costs 0.29% more
- New Market: Insurance costs 0.44% less
- Friends Station: Insurance costs 2.72% less
- Perrin Hollow: Insurance costs 0.15% less
- Dandridge: Insurance costs the same
- Wa-Ni Village: Insurance costs 0.44% more
- Rutledge: Insurance costs 0.88% more
- Richland: Insurance costs 1.76% more
- White Pine: Insurance costs 0.22% less
Cities with Similar Populations
- Superior: Insurance costs 42.40% more
- Fort Campbell North: Insurance costs 63.04% more
- Fort Lupton: Insurance costs 41.07% more
- Fort Stockton: Insurance costs 25.72% more
- Fortuna: Insurance costs 40.04% more
- Four Oaks: Insurance costs 8.52% less
- Statham: Insurance costs 31.37% more
- Stevensville: Insurance costs 34.24% more
- Stevensville: Insurance costs 92.65% more
- Stony Point: Insurance costs 84.42% more