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Most people in Blue Springs, Missouri pay about $1,550 a year for full coverage car insurance. This is about the same as the state average of $1,588. But Blue Springs drivers can save even more money if they get quotes from more than one car insurance company.
PlanGeek can help you compare rates from the best Missouri insurance companies near you, so you can pick the plan that fits your needs the best.
PolicyGeek looked at car insurance rates from Quadrant Information Services for each ZIP code in all 50 states plus Washington, D.C. C. For full coverage policies, the following coverage limits were used:
The overall average rate, rates by ZIP code, and cheapest companies were found by looking at the averages for single drivers aged 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for traffic violations and “poor” credit are based on the average rates for a single male driver who is 30 years old and has a credit score of less than 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Auto insurance is a legal requirement for all drivers in Missouri. But not all car insurance companies charge the same rates, even in the same city like Blue Springs. Shopping around for the best car insurance rates can lead to big savings. This guide will walk you through everything you need to know to find cheap car insurance quotes and the right coverage in Blue Springs.
Average Auto Insurance Costs in Blue Springs
The average annual cost for a full coverage auto insurance policy in Blue Springs is $1,550 according to recent rate data. This is slightly below the statewide average premium of $1,588 in Missouri. Rates can vary depending on your specific location within Blue Springs, driving record, age, credit score and other factors.
Here’s a look at average annual rates from major insurers for sample drivers in Blue Springs:
- USAA: $746
- State Farm: $1,042
- Farm Bureau: $1,118
- Auto-Owners: $1,249
- Travelers: $1,254
USAA offers the most affordable rates on average, but is only available to military members and families. State Farm has the next cheapest premiums for the general public.
Choosing the Best Auto Insurance Company
With rates differing so much between insurers, it pays to compare multiple quotes when choosing coverage. Some key things to consider when picking an auto insurance provider in Blue Springs:
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Customer Satisfaction – Insurers like USAA, Auto-Owners and State Farm score well in national surveys for customer service and claims handling.
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Discounts – Ask about all discounts you may qualify for like good driver, low mileage, defensive driving course completion, good student, multi-policy, and more.
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Coverage Options – Make sure the company offers all the protections you need like collision, comprehensive, rental reimbursement, roadside assistance, etc.
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Financial Strength – Select an established insurer that is financially sound and can pay out claims without issue. AM Best ratings are one indicator.
Cheapest Car Insurance Companies in Blue Springs
Here are some of the most affordable auto insurance providers in Blue Springs based on sample quote analysis
- USAA – $746 per year
- State Farm – $1,042 per year
- Farm Bureau – $1,118 per year
- Auto-Owners – $1,249 per year
- Travelers – $1,254 per year
USAA is the clear price leader, but remember eligibility is restricted primarily to military members, veterans and their families Overall, getting quotes from 5-10 different insurers can help find the best match of coverage, service and cost
Average Car Insurance by ZIP Code
Car insurance rates can fluctuate across different ZIP codes in Blue Springs depending on risk factors like crime, accident frequency, population density and more. Here are the average full coverage policy costs by ZIP:
- 64014 – $1,538 per year
- 64015 – $1,562 per year
The 64014 ZIP code has slightly cheaper average premiums than 64015, But your personal rate depends on much more than just your ZIP code
Shopping for Cheap Rates with Violations
Driving violations like speeding tickets, at-fault accidents and DUIs can substantially increase your insurance costs. But comparison shopping is especially important for high-risk drivers to mitigated rate hikes.
Here are sample annual rates from select insurers for drivers with violations in Blue Springs:
- At-Fault Crash – State Farm ($1,233), Farm Bureau ($1,209), USAA ($1,041)
- DUI – State Farm ($1,145), USAA ($1,355), Farm Bureau ($1,391)
- Suspended License – State Farm ($1,145), USAA ($1,305), Farm Bureau ($1,391)
While rates are higher compared to a clean driving record, you can see how costs vary between insurers. Always shop multiple quotes if you have driving incidents on your record.
Finding Cheap Rates with Poor Credit
Your credit history can influence auto insurance premiums in Missouri. Drivers with very poor credit tend to pay the highest rates.
But again, shopping for quotes is key to finding affordable coverage with less-than-perfect credit. Here are sample annual premiums from select insurers for drivers with poor credit:
- USAA – $1,399
- Farm Bureau – $1,884
- Columbia Insurance – $1,954
- State Farm – $2,029
- Nationwide – $2,262
USAA and Farm Bureau offer the most affordable rates in this scenario. Aim to compare at least 5-6 quotes if you have very poor credit.
Is Car Insurance Mandatory in Missouri?
Yes, auto liability insurance is mandatory in Missouri. At minimum you must carry:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $10,000 property damage liability
- $25,000 per person uninsured/underinsured motorist
But experts recommend 100/300/100 minimum liability limits, plus collision and comprehensive. Ensure you have enough coverage to fully protect your assets in the event of an at-fault accident.
How to Get Cheap Auto Insurance in Blue Springs
Here are some top tips for finding the lowest car insurance rates in Blue Springs:
- Comparison shop quotes from at least 5-6 different insurers
- Ask about all available discounts like safe driver, low usage, defensive driving, etc.
- Consider bundling home and auto policies with the same provider
- Maintain good credit and driving history
- Drive a safer vehicle with plenty of safety features
- Reduce mileage driven annually
- Shop for cheaper rates every 6-12 months as new discounts or cost-saving factors arise
Finding the right blend of service, coverage and cost takes some work. But the savings are worthwhile when you lock-in a competitive auto insurance rate with ample protection.
Frequently Asked Auto Insurance Questions in Blue Springs
Below are answers to some common auto insurance questions from Blue Springs drivers:
Who is the cheapest auto insurer in Blue Springs?
USAA is the most affordable on average for Blue Springs drivers, but is limited primarily to military families. State Farm has the next lowest rates for the general public.
How much is full coverage car insurance per month?
The average monthly cost of full coverage car insurance in Blue Springs is about $129. Annual premiums average $1,550.
What happens if you drive without insurance in Missouri?
Driving without insurance in Missouri can lead to fines, license/registration suspension, and vehicle impoundment. You can also be held liable for damages from any accident you cause.
When should I re-shop for cheaper car insurance rates?
Experts recommend comparing new auto insurance quotes at least once a year, or whenever your policy is up for renewal. This ensures you stay up-to-date on cost-saving discounts and opportunities.
How do I know how much auto insurance coverage to buy?
Consider your assets, budget and state minimums. But experts suggest 100/300/100 liability limits plus comprehensive and collision for full protection. An independent agent can provide guidance on optimal coverage limits.
The bottom line is that finding the right auto insurance match takes some effort. Use this guide as a resource to shop smart, save money and secure coverage from a leading provider in Blue Springs.
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. The rates in your ZIP code can be changed by things like the number of accidents, tickets, and safe, off-street parking spaces.
|
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. You have to shop around and compare quotes to get the best coverage for you because rates are so unique. This site lets you compare plans from the best insurance companies, letting you pick the coverage you need at a price that fits your budget.