Affordable Car Insurance Rates in Warsaw, MO (2024)
Car insurance rates in Warsaw, MO are $269/month on average. By law, Missouri drivers need to carry at least 25/50/25 coverage, but that may not be enough for your needs. Compare car insurance quotes from multiple Warsaw car insurance companies to get the coverage you need at the best rates available.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 9, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Warsaw, MO are $269/month
- The cheapest car insurance company in Warsaw for teen drivers is Nationwide
- The cheapest car insurance company in Warsaw after a DUI is State Farm
Average car insurance rates in Warsaw, Missouri are $269 a month. But with a little research you can get a great deal from the top car insurance companies in Warsaw, MO. Before you buy Warsaw, Missouri car insurance, make sure your coverage meets or exceeds the Missouri minimum of 25/50/25.
It may even be helpful to compare Warsaw car insurance rates with St. Charles car insurance rates, Kansas City car insurance rates, or Lee’s Summit car insurance rates to make sure you’re getting the best Warsaw, MO car insurance quotes available.
Need affordable Warsaw, MO car insurance? Enter your ZIP code to compare Warsaw car insurance quotes from multiple car insurance companies near you.
Warsaw, MO Minimum Car Insurance Coverage
Warsaw, Missouri law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Warsaw, MO Car Insurance Rates by Coverage Level
Some Warsaw drivers can get by with the Missouri minimum coverage of 25/50/25. Other drivers may need more. See how much your Warsaw, Missouri car insurance rates may be based on the coverage you need.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,857 | $3,987 | $4,140 |
| American Family | $3,077 | $3,278 | $3,178 |
| Farmers | $3,983 | $4,208 | $4,556 |
| Geico | $2,505 | $2,695 | $2,834 |
| Liberty Mutual | $3,966 | $4,222 | $4,419 |
| Nationwide | $2,145 | $2,310 | $2,407 |
| Progressive | $2,982 | $3,300 | $3,598 |
| State Farm | $2,447 | $2,611 | $2,755 |
| USAA | $2,451 | $2,542 | $2,656 |
Warsaw, MO Car Insurance Rates by Age, Gender, and Marital Status
Warsaw, Missouri car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Warsaw, MO car insurance, get quotes from multiple car insurance companies in the Warsaw area and see how these criteria affect your rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,796 | $2,713 | $2,507 | $2,587 | $7,621 | $8,247 | $2,695 | $2,790 |
| American Family | $2,064 | $2,064 | $1,840 | $1,840 | $5,720 | $7,421 | $2,064 | $2,408 |
| Farmers | $2,348 | $2,341 | $2,099 | $2,222 | $9,584 | $9,909 | $2,681 | $2,809 |
| Geico | $1,783 | $1,988 | $1,397 | $1,768 | $5,431 | $5,743 | $1,651 | $1,661 |
| Liberty Mutual | $2,537 | $2,750 | $2,092 | $2,344 | $8,708 | $9,667 | $2,672 | $2,851 |
| Nationwide | $1,516 | $1,549 | $1,356 | $1,437 | $3,870 | $4,960 | $1,733 | $1,876 |
| Progressive | $2,079 | $1,958 | $1,700 | $1,746 | $6,444 | $7,264 | $2,544 | $2,611 |
| State Farm | $1,677 | $1,677 | $1,489 | $1,489 | $4,632 | $5,861 | $1,879 | $2,130 |
| USAA | $1,579 | $1,572 | $1,409 | $1,446 | $4,580 | $5,613 | $1,982 | $2,217 |
Warsaw, MO Car Insurance Rates for Teens
How much is Warsaw, Missouri car insurance for teens? Compare rates from top Warsaw car insurance companies below to help find the cheapest teen car insurance in Warsaw, MO.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,621 | $8,247 |
| American Family | $5,720 | $7,421 |
| Farmers | $9,584 | $9,909 |
| Geico | $5,431 | $5,743 |
| Liberty Mutual | $8,708 | $9,667 |
| Nationwide | $3,870 | $4,960 |
| Progressive | $6,444 | $7,264 |
| State Farm | $4,632 | $5,861 |
| USAA | $4,580 | $5,613 |
Warsaw, MO Car Insurance Rates for Seniors
Before seniors buy Warsaw, Missouri car insurance, they should make sure to shop around. Some Warsaw, MO car insurance companies may offer discounts or other savings options for senior car insurance.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,507 | $2,587 |
| American Family | $1,840 | $1,840 |
| Farmers | $2,099 | $2,222 |
| Geico | $1,397 | $1,768 |
| Liberty Mutual | $2,092 | $2,344 |
| Nationwide | $1,356 | $1,437 |
| Progressive | $1,700 | $1,746 |
| State Farm | $1,489 | $1,489 |
| USAA | $1,409 | $1,446 |
Warsaw, MO Car Insurance Rates by Credit History
How does your credit history affect Warsaw, MO car insurance rates? Review the numbers here to find out.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,511 | $3,542 | $2,930 |
| American Family | $4,148 | $2,923 | $2,462 |
| Farmers | $4,862 | $4,042 | $3,844 |
| Geico | $3,695 | $2,409 | $1,929 |
| Liberty Mutual | $6,032 | $3,679 | $2,897 |
| Nationwide | $2,698 | $2,227 | $1,936 |
| Progressive | $3,821 | $3,153 | $2,905 |
| State Farm | $3,509 | $2,347 | $1,957 |
| USAA | $4,271 | $1,971 | $1,407 |
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Warsaw, MO Car Insurance Rates by Driver History
How does a single speeding ticket affect your Warsaw, Missouri car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Warsaw.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,439 | $3,868 | $4,790 | $3,881 |
| American Family | $2,357 | $3,439 | $4,212 | $2,702 |
| Farmers | $3,685 | $4,562 | $4,463 | $4,287 |
| Geico | $2,110 | $2,707 | $3,614 | $2,280 |
| Liberty Mutual | $3,054 | $4,381 | $4,518 | $4,857 |
| Nationwide | $1,799 | $2,306 | $3,075 | $1,968 |
| Progressive | $2,887 | $3,777 | $3,172 | $3,337 |
| State Farm | $2,407 | $2,802 | $2,604 | $2,604 |
| USAA | $2,072 | $2,484 | $3,393 | $2,250 |
Warsaw, MO Car Insurance Rates With a DUI
Even a single DUI can increase your Warsaw, MO car insurance rates. Compare rates below to see which Warsaw car insurance company has the best rates for drivers with a DUI.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,790 |
| American Family | $4,212 |
| Farmers | $4,463 |
| Geico | $3,614 |
| Liberty Mutual | $4,518 |
| Nationwide | $3,075 |
| Progressive | $3,172 |
| State Farm | $2,604 |
| USAA | $3,393 |
Warsaw, MO Car Insurance Rates by Commute
The more time you spend on your daily commute, the higher your Warsaw, MO car insurance rates may be. Let’s take a look at average car insurance rates from top Warsaw companies based on commute time.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,995 | $3,995 |
| American Family | $3,146 | $3,209 |
| Farmers | $4,249 | $4,249 |
| Geico | $2,626 | $2,730 |
| Liberty Mutual | $4,203 | $4,203 |
| Nationwide | $2,287 | $2,287 |
| Progressive | $3,293 | $3,293 |
| State Farm | $2,541 | $2,668 |
| USAA | $2,456 | $2,643 |
Warsaw, MO Cheapest Car Insurance Rates
How do the top Warsaw, Missouri car insurance companies’ average rates stack up against the Warsaw average monthly car insurance rates of $269? Take a look and see.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | Nationwide |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
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Warsaw, MO Top Car Insurance Companies
Car insurance is a competitive market. Here’s a look at the top Warsaw, Missouri car insurance companies to help you find one that best fits your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,995 |
| American Family | $3,178 |
| Farmers | $4,249 |
| Geico | $2,678 |
| Liberty Mutual | $4,203 |
| Nationwide | $2,287 |
| Progressive | $3,293 |
| State Farm | $2,604 |
| USAA | $2,550 |
Other Factors Affecting Warsaw, MO Car Insurance Rates
Before you buy Warsaw, Missouri car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.
Warsaw, MO Commute Time
How does your Warsaw, MO commute time compare with the average driver? In Warsaw, the average commute is 16.7 minutes.
Warsaw, MO Traffic
Spending time in Warsaw traffic can lead to higher car insurance rates. According to INRIX data, Warsaw, MO ranks as the 40th-most congested with traffic in the world.
Warsaw, MO Car Insurance Quotes
Compare Warsaw, MO car insurance quotes from multiple companies by entering your ZIP code now.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.