Cheap Auto Insurance Quotes in Joplin, MO (2023)

Situated along historic Route 66, Joplin is a small town that many are proud to call home. With a population of just over 50,000 people, it’s no wonder that traffic isn’t a major concern here. The city has several highways that run north-south and east-west, allowing you to travel to your destination with relative ease. Motorists in Joplin tend to enjoy low auto insurance rates thanks to the safe driving of others.

Car Insurance in Joplin, MO

The average cost of Missouri car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Joplin, MO to find you the cheapest quotes in the area.

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• Cheap Car Insurance Missouri

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Cheapest Car Insurance in Joplin, MO

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Joplin, MO

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Joplin. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Missouri

All motor vehicles operated or parked on Missouri roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Missouri^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Missouri is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorists

• $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Missouri, this coverage is required for bodily injuries.

Joplin Car Insurance Rates by Driver Age

At $421, it will be hard for all but the most hardworking teens to pay their car insurance bills without a little help from mom and dad. As drivers log more years behind the wheel, rates tend to go down. Young adults in their 20s save over $175 per month compared to the youngest drivers. Prices pop back up for those in their 40s, but even they pay less than the Show-Me State average of $274. People in their 70s get the best rates and pay less than a third of what teens shell out.

Joplin Car Insurance Rates by Driving and Accident History

People in Joplin know safe drivers save lives. But how many know safe drivers save money on their car insurance? Maybe they figured it out through common sense and the insurance companies’ discounts for being a “good driver” or “accident-free.” But one late day to school or work could ruin that if it causes a driver to get a speeding ticket. That ticket will cost $140 per month, over $1,600 per year. It will be that way for three years because that’s how long it takes for violations and tickets to stop affecting car insurance rates.

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• High-risk Car Insurance Missouri

• DUI Car Insurance Missouri

Joplin Car Insurance Rates by Credit Tier

Missourians might wonder what credit history has to do with the ability to drive. But insurance companies show a relationship between the two things and therefore use credit to set rates. Drivers pay less as their credit improves. The difference between those with excellent credit and poor credit is $45 per month, translating into $540 per year. That’s plenty of reason for most people to pay off debt and try to improve their credit score.

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Find local Joplin agents

Joplin, MO DMV Information

Joplin has one DMV office located in the heart of the city. It offers a full array of services and is open Monday through Friday from 8:30 a.m. to 5:30 p.m. and on Saturday from 9 a.m. to noon. While certain times of the day can be busier than others, most find that getting in and out of the DMV is far easier here than in other parts of the nation.

Public Transportation in Joplin, MO

Getting around Joplin without a car isn’t impossible, although it will take some planning. Options like Uber and Lyft are available, along with the city’s Sunshine Lamp Trolley. Joplin also offers affordable public transit through MAPS (Metro Area Public transit System). This curb-to-curb system is often the top choice for people looking to get to their destination in the least expensive way possible.

For more detailed Missouri city level guides, check out these below.

• Average Cost of Car Insurance Rates in Missouri

• DUI Car Insurance Rates in Missouri

• High-Risk Driver Car Insurance Rates in Missouri

• Missouri Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Missouri

• SR-22 Insurance in Missouri

How to get the best and cheapest car insurance in Joplin, MO

Navigating the streets of Joplin isn’t very difficult, making it a great place to live if you want low auto insurance rates and less stress on the road. Perhaps the only consideration to keep in mind is that due to Joplin’s location, tourists who are traveling along Route 66 may stop in town for gas or a bite to eat, but that rarely impacts local travel on a regular basis.

Car insurance is already quite affordable in Missouri, but if you want the best price possible, make sure you visit Insurify. You’ll be able to compare quotes from major insurance companies in a matter of minutes and find the policy that best meets your driving needs.

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