Cheap Auto Insurance Quotes in Cape Girardeau, MO (2023)

Also known as “The Cape,” this city is home to two state-of-the-art hospitals and Southeast Missouri State University, bringing with them an influx of traffic daily.

Although it’s good to know that Cape Girardeau has top-notch health options should you ever be in trouble, staying safe on the road should be on every driver’s agenda here. Getting insurance that meets minimum state requirements and your cost expectations is key.

Car Insurance in Cape Girardeau, 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 Cape Girardeau, MO to find you the cheapest quotes in the area.

See More:

• Cheap Car Insurance Missouri

• Compare Car Insurance

Cheapest Car Insurance in Cape Girardeau, 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 Cape Girardeau, 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 Cape Girardeau. For the complete list, see Insurify's best car insurance companies .

See More: Best Car Insurance Companies

Average Car Insurance Cost

Click here to learn about car insurance quotes and save on your current policy.

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.

Cape Girardeau Car Insurance Rates by Driver Age

If you’re in your 50s and looking to save money, Cape Girardeau is a great place to live, at least when it comes to car insurance rates. Drivers in this age bracket pay the least, with prices that average $122. While teen motorists naturally pay the most for coverage, at $452, all other individuals will find that their rates fluctuate by $100 or so, depending on how old they are, showing that your premium is calculated using more than just your age.

Cape Girardeau Car Insurance Rates by Driving and Accident History

It’s in residents’ best interest to keep a clean driving record in Cape Girardeau, as even minor violations can impact car insurance rates. Drivers with no blemishes on their record pay around $220, while failing to stop at an intersection adds $31 to this rate. A speeding ticket proves to be very costly with prices, hovering at $323, and at the most expensive of all, an at-fault accident pushes your premium up to $325.

See More:

• High-risk Car Insurance Missouri

• DUI Car Insurance Missouri

Cape Girardeau Car Insurance Rates by Credit Tier

Few drivers in Cape Girardeau have credit in the excellent tier; however, those who do find they save the most money on their car insurance. Prices for drivers in this tier are $211, while motorists who have good credit tend to pay an average of $249. Should your credit fall to the average tier, you can expect to pay $228, while Cape Girardeau drivers who have poor credit find their premiums average around $253.

See More: Bad Credit Car Insurance Missouri

Find local Cape Girardeau agents

Cape Girardeau, MO DMV Information

You don’t have to worry if you are without a car in Cape Girardeau. Public transportation is available. The Cape Girardeau County Transit Authority services the cities of Cape Girardeau and Jackson, Missouri, as well as several smaller towns within the county. Their Blue/North bus line and Red/South bus line help Cape residents run crosstown shopping errands as well as make it to all of their hospital appointments. If you can’t wait for a bus or don’t see your stop along its route, on-demand cab services are also available in Cape Girardeau and take resident requests from Monday at 5 a.m. to Sunday at 2 p.m. Rates start at $6 for a one-way trip.

Public Transportation in Cape Girardeau, MO

The Missouri Department of Revenue is in charge of titling and registration. Though you’ll probably want to go to its site to browse options and find answers to any DMV questions you may have, the Cape Girardeau branch has its own Facebook page for localized communications. The branch office is located at 51 South Plaza Way with hours from 8:30 a.m. to 5:30 p.m. If you’d rather complete DMV tasks while still in your pj’s (instead of driving around town), you can do so online. The site has separate, easy-to-browse sections for both motor vehicles and driver’s licenses. If you’re up for it, the site also has a chat feature that lets you ask their virtual assistant DORA what to do when you find yourself scratching your head for answers.

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 Cape Girardeau, MO

From the best place to view Christmas light displays to some of the most gorgeous rooftop views, the city’s travel website publishes all sorts of good tips for visitors to the Cape. You can spend minutes enjoying the sights of the city online or set aside a few days to see this place for yourself.

Though some people would rather wing it and discover the city themselves, hunting for the perfect car insurance shouldn’t be an all-day thing. Insurify helps you find the best coverage and rates in minutes. Instead of having to search high and low for discounts to keep your insurance rates down, let Insurify find the discounts for you.

FAQs - Cape Girardeau, MO Car Insurance