Compare Berkeley, MO Car Insurance Rates (2021)

Car insurance in Berkeley, MO averages $351 a month. Berkeley, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Berkeley car insurance rates, compare quotes from the top car insurance companies in Berkeley, MO.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Berkeley for teen drivers is USAA
  • The cheapest car insurance company in Berkeley is USAA
  • Average car insurance rates in Berkeley, MO after a DUI are $4,941/year

If you need to buy Berkeley, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Berkeley, MO is right here.

You’ll find Berkeley car insurance rates, the cheapest Berkeley, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Berkeley, Missouri car insurance rates to Springfield car insurance rates, Independence car insurance rates, and St. Charles car insurance rates.

Ready to find affordable Berkeley, MO car insurance today? Enter your ZIP code for fast, free Berkeley car insurance quotes.

Cheapest Berkeley, MO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Berkeley, MO car insurance rates? Every Berkeley, Missouri car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Berkeley, Missouri

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 $3,764 $3,625 $3,404 $3,513 $10,972 $11,902 $3,559 $3,657
American Family $2,659 $2,659 $2,370 $2,370 $7,368 $9,568 $2,659 $3,102
Farmers $2,844 $2,835 $2,536 $2,698 $11,935 $12,337 $3,230 $3,356
GEICO $2,428 $2,746 $1,904 $2,487 $7,819 $8,245 $2,189 $2,176
Liberty Mutual $3,371 $3,660 $2,782 $3,135 $11,787 $13,107 $3,533 $3,749
Nationwide $1,995 $2,037 $1,782 $1,890 $5,107 $6,554 $2,283 $2,473
Progressive $2,923 $2,626 $2,374 $2,485 $9,290 $10,291 $3,469 $3,323
State Farm $2,042 $2,042 $1,861 $1,861 $6,264 $7,853 $2,305 $2,641
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

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Minimum Car Insurance in Berkeley, MO

Every driver must carry the minimum car insurance in Berkeley, MO. Take a look at the Missouri car insurance requirements.

Minimum Required Car Insurance Coverage in Berkeley, Missouri

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

Cheapest Berkeley, MO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Berkeley, MO. Compare credit history car insurance rates in Berkeley from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Berkeley, Missouri

Insurance Company Poor Fair Good
Allstate $7,689 $4,920 $4,040
American Family $5,349 $3,764 $3,169
Farmers $5,962 $4,973 $4,729
GEICO $5,188 $3,370 $2,690
Liberty Mutual $8,096 $4,941 $3,885
Nationwide $3,563 $2,936 $2,547
Progressive $5,414 $4,386 $3,993
State Farm $4,727 $2,969 $2,380
USAA $4,567 $2,109 $1,505

Cheapest Berkeley, MO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Berkeley, MO to rates for a clean record with top companies.

Annual Berkeley, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,721 $5,367 $6,732 $5,379
American Family $3,062 $4,374 $5,437 $3,504
Farmers $4,517 $5,622 $5,498 $5,248
GEICO $2,871 $3,787 $5,206 $3,133
Liberty Mutual $4,089 $5,890 $6,057 $6,525
Nationwide $2,367 $3,041 $4,062 $2,591
Progressive $4,011 $5,297 $4,424 $4,658
State Farm $3,060 $3,657 $3,359 $3,359
USAA $2,179 $2,649 $3,694 $2,385

Cheapest Berkeley, MO Car Insurance for Teen Drivers

Teen car insurance in Berkeley, MO can be expensive. Take a look at rates from the top car insurance companies in Berkeley for teenagers.

Annual Car Insurance Rates for Teen Drivers in Berkeley, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,972 $11,902
American Family $7,368 $9,568
Farmers $11,935 $12,337
GEICO $7,819 $8,245
Liberty Mutual $11,787 $13,107
Nationwide $5,107 $6,554
Progressive $9,290 $10,291
State Farm $6,264 $7,853
USAA $5,002 $6,115

Cheapest Berkeley, MO Car Insurance for Seniors

Take a look at Berkeley, MO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Berkeley, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,404 $3,513
American Family $2,370 $2,370
Farmers $2,536 $2,698
GEICO $1,904 $2,487
Liberty Mutual $2,782 $3,135
Nationwide $1,782 $1,890
Progressive $2,374 $2,485
State Farm $1,861 $1,861
USAA $1,491 $1,518

Cheapest Berkeley, MO Car Insurance Rates After a DUI

A DUI in Berkeley, MO increases car insurance rates. Compare Berkeley, Missouri DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Berkeley, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,732
American Family $5,437
Farmers $5,498
GEICO $5,206
Liberty Mutual $6,057
Nationwide $4,062
Progressive $4,424
State Farm $3,359
USAA $3,694

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Cheapest Berkeley, MO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Berkeley, MO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Berkeley, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,550 $5,550
American Family $4,054 $4,134
Farmers $5,221 $5,221
GEICO $3,680 $3,818
Liberty Mutual $5,641 $5,641
Nationwide $3,015 $3,015
Progressive $4,598 $4,598
State Farm $3,275 $3,442
USAA $2,630 $2,824

The Best Cheap Car Insurance Companies in Berkeley, MO

Take a look at a side-by-side comparison of the top car insurance companies in Berkeley, MO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Berkeley, Missouri

Insurance Company Average Annual Rates
Allstate $5,550
American Family $4,094
Farmers $5,221
GEICO $3,749
Liberty Mutual $5,641
Nationwide $3,015
Progressive $4,598
State Farm $3,359
USAA $2,727

Category Winners: Cheapest Car Insurance in Berkeley, Missouri

Find the cheapest car insurance companies in Berkeley, MO for each category right here.

Best Annual Car Insurance Rates by Company in Berkeley, Missouri

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Berkeley, MO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Berkeley car insurance rates. Find the cheapest Berkeley, MO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Berkeley, Missouri

Insurance Company Low Medium High
Allstate $5,295 $5,536 $5,819
American Family $3,971 $4,222 $4,089
Farmers $4,845 $5,163 $5,655
GEICO $3,466 $3,782 $3,999
Liberty Mutual $5,256 $5,672 $5,994
Nationwide $2,806 $3,048 $3,192
Progressive $3,814 $4,623 $5,355
State Farm $3,105 $3,374 $3,598
USAA $2,627 $2,720 $2,834

What affects car insurance rates in Berkeley, Missouri?

What factors can have an impact on Berkeley, MO car insurance? There are several reasons why Berkeley car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Berkeley, Missouri.

Commute Time in Berkeley

The more time you spend in your car the higher the risk of an accident. The average commute length in Berkeley, MO is 24.9 minutes according to City-Data.

Compare Car Insurance Quotes in Berkeley, MO

Ready to find affordable Berkeley, Missouri car insurance today? Enter your ZIP code for fast, free Berkeley, MO car insurance quotes.

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