Car Insurance in Blue Springs

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Coverage With All the Perks in Blue Springs, MO

Blue Springs, Missouri, is known as a great place to settle down and buy a house if you work in Kansas City or any of the surrounding cities and suburbs that make up its greater metropolitan area. The average commute time being about 26.9 minutes says it all, because the city itself is small enough to drive across in less than a quarter of an hour.

Demographics and Drive Time

The median age in Blue Springs was 36.4 in 2021, which reflects the area's appeal as a place to buy a house and potentially raise a family. Most of the workforce commutes alone, which can lead to heavy traffic during rush hour. Car insurance in Blue Springs is an important investment for those workers, and finding the right price is easier when you use a tool like VIU by HUB to see multiple quotes at once.

Car Insurance Costs in Blue Springs

The good news for drivers in Blue Springs, MO, is that the city is one of the least expensive places to drive in the state. The average premium quote in Blue Springs was $1,866 for full coverage in October 2023, which is about four percent lower than the state's average. Missouri, as a whole, has slightly less expensive coverage than the national average, and that is also reflected in the state's low cost of minimum insurance coverage.

Essential Coverage for Missouri Drivers

If you ask for a quote based on the state's minimum insurance requirements. you can expect to see three coverage areas in the quote:

  • $25,000 per person/$50,000 per accident for bodily injury protection
  • $25,000 per accident in property damage protection
  • $25,000 per person/$50,000 per accident in uninsured motorist coverage

The difference between full coverage and the state's minimum requirement is typically comprehensive damage protection, although some full coverage quotes only reflect collision coverage and others have additional add-ons, such as roadside assistance.

Collision protection covers damage to the vehicle in an accident once you have covered the deductible, which can be adjusted to help balance the cost of the policy. Comprehensive car insurance in Blue Springs is similar but it also covers damage that happens when the vehicle is not moving, such as body damage from being hit while parked.

Coverage Add-Ons

Many drivers also opt for roadside assistance for a small fee, which pays for towing and other emergency services if you wind up locked out or you need a jump start. In some cases, it can even cover roadside tire replacement.

Another popular addition to full coverage is car rental cost coverage, which takes care of your needs if your car is in the garage for repairs. Most of the time, this covers rentals you need for repairs that are not part of a claim as well as those related to claims, making it very useful to a wide range of drivers.

Insurance for Your Driving Income

If you use your vehicle to earn a living, your personal insurance probably does not cover your professional activities. In some cases, an employer provides professional coverage for drivers using their own vehicles. In many, though, it is a good idea to carry protection of your own. Rideshare insurance is designed to fill that gap in your coverage when you drive for a living.

Build a Custom Auto Policy for Missouri

When you use VIU by HUB to build a tailored policy, you can see side-by-side quotes on all the car insurance in Blue Springs that suits you. That makes it easy to find the best deal without compromising on the coverage options you need.

This information is intended for general informational purposes only and is not intended to constitute legal advice.



Data USA

Missouri Department of Revenue

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