Compare Birch Tree, MO Car Insurance Rates (2021)

Car insurance in Birch Tree, MO averages $279 a month. Birch Tree, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Birch Tree car insurance rates, compare quotes from the top car insurance companies in Birch Tree, MO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Birch Tree is Nationwide
  • Average car insurance rates in Birch Tree, MO after a DUI are $3,901/year
  • The cheapest car insurance company in Birch Tree for teen drivers is Nationwide

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

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

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

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

How do age, gender, and marital status affect Birch Tree, MO car insurance rates? Every Birch Tree, 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 Birch Tree, 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 $2,796 $2,713 $2,507 $2,587 $7,621 $8,247 $2,695 $2,790
American Family $2,113 $2,113 $1,882 $1,882 $5,780 $7,514 $2,113 $2,473
Farmers $2,446 $2,449 $2,193 $2,310 $9,626 $9,985 $2,783 $2,932
GEICO $2,116 $2,356 $1,638 $2,052 $6,368 $6,781 $1,974 $2,012
Liberty Mutual $2,693 $2,924 $2,214 $2,488 $9,064 $10,080 $2,841 $3,041
Nationwide $1,470 $1,506 $1,312 $1,394 $3,745 $4,812 $1,679 $1,820
Progressive $2,114 $1,989 $1,726 $1,775 $6,593 $7,434 $2,587 $2,667
State Farm $1,823 $1,823 $1,613 $1,613 $4,956 $6,277 $2,041 $2,311
USAA $1,581 $1,564 $1,429 $1,449 $4,782 $5,836 $1,961 $2,176

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Minimum Car Insurance in Birch Tree, MO

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

Minimum Required Car Insurance Coverage in Birch Tree, 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 Birch Tree, MO Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Birch Tree, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $4,224 $2,973 $2,505
Farmers $4,974 $4,123 $3,924
GEICO $4,370 $2,844 $2,273
Liberty Mutual $6,356 $3,859 $3,040
Nationwide $2,620 $2,157 $1,875
Progressive $3,903 $3,215 $2,963
State Farm $3,757 $2,536 $2,128
USAA $4,316 $2,022 $1,453

Cheapest Birch Tree, 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 Birch Tree, MO to rates for a clean record with top companies.

Annual Birch Tree, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,439 $3,868 $4,790 $3,881
American Family $2,420 $3,495 $4,258 $2,762
Farmers $3,802 $4,638 $4,544 $4,377
GEICO $2,519 $3,192 $4,224 $2,715
Liberty Mutual $3,217 $4,600 $4,753 $5,103
Nationwide $1,750 $2,235 $2,972 $1,912
Progressive $2,935 $3,866 $3,232 $3,409
State Farm $2,600 $3,014 $2,807 $2,807
USAA $2,066 $2,526 $3,531 $2,265

Cheapest Birch Tree, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Birch Tree, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $5,780 $7,514
Farmers $9,626 $9,985
GEICO $6,368 $6,781
Liberty Mutual $9,064 $10,080
Nationwide $3,745 $4,812
Progressive $6,593 $7,434
State Farm $4,956 $6,277
USAA $4,782 $5,836

Cheapest Birch Tree, MO Car Insurance for Seniors

Take a look at Birch Tree, 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 Birch Tree, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,882 $1,882
Farmers $2,193 $2,310
GEICO $1,638 $2,052
Liberty Mutual $2,214 $2,488
Nationwide $1,312 $1,394
Progressive $1,726 $1,775
State Farm $1,613 $1,613
USAA $1,429 $1,449

Cheapest Birch Tree, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Birch Tree, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,790
American Family $4,258
Farmers $4,544
GEICO $4,224
Liberty Mutual $4,753
Nationwide $2,972
Progressive $3,232
State Farm $2,807
USAA $3,531

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Cheapest Birch Tree, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Birch Tree, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,995 $3,995
American Family $3,202 $3,266
Farmers $4,340 $4,340
GEICO $3,098 $3,227
Liberty Mutual $4,418 $4,418
Nationwide $2,217 $2,217
Progressive $3,361 $3,361
State Farm $2,739 $2,875
USAA $2,504 $2,690

The Best Cheap Car Insurance Companies in Birch Tree, MO

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

Average Annual Car Insurance Rates by Company in Birch Tree, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $3,234
Farmers $4,341
GEICO $3,162
Liberty Mutual $4,418
Nationwide $2,217
Progressive $3,361
State Farm $2,807
USAA $2,597

Category Winners: Cheapest Car Insurance in Birch Tree, Missouri

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

Best Annual Car Insurance Rates by Company in Birch Tree, Missouri

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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Cheapest Birch Tree, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Birch Tree, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $3,139 $3,336 $3,226
Farmers $4,086 $4,300 $4,635
GEICO $2,988 $3,179 $3,319
Liberty Mutual $4,165 $4,435 $4,655
Nationwide $2,091 $2,237 $2,324
Progressive $3,055 $3,366 $3,660
State Farm $2,643 $2,813 $2,965
USAA $2,480 $2,588 $2,724

What affects car insurance rates in Birch Tree, Missouri?

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

Commute Time in Birch Tree

The more time you spend in your car the higher the risk of an accident. The average commute length in Birch Tree, MO is 20.9 minutes according to City-Data.

Compare Car Insurance Quotes in Birch Tree, MO

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

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