Compare Buffalo, MO Car Insurance Rates (2021)

Car insurance in Buffalo, MO averages $270 a month. Buffalo, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Buffalo car insurance rates, compare quotes from the top car insurance companies in Buffalo, 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® Joel Ohman

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Buffalo is Nationwide
  • Average car insurance rates in Buffalo, MO after a DUI are $3,774/year
  • The cheapest car insurance company in Buffalo for teen drivers is Nationwide

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

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

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

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

How do age, gender, and marital status affect Buffalo, MO car insurance rates? Every Buffalo, 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 Buffalo, 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 $2,698 $2,526 $2,605 $7,952 $8,623 $2,660 $2,739
American Family $2,242 $2,242 $1,992 $1,992 $6,001 $7,831 $2,242 $2,635
Farmers $2,259 $2,251 $2,019 $2,136 $9,230 $9,545 $2,582 $2,708
GEICO $1,967 $2,198 $1,523 $1,925 $6,022 $6,405 $1,820 $1,849
Liberty Mutual $2,627 $2,847 $2,161 $2,424 $9,047 $10,050 $2,769 $2,956
Nationwide $1,458 $1,488 $1,307 $1,382 $3,741 $4,784 $1,669 $1,803
Progressive $1,877 $1,736 $1,535 $1,582 $6,245 $7,013 $2,287 $2,346
State Farm $1,670 $1,670 $1,489 $1,489 $4,731 $5,972 $1,875 $2,135
USAA $1,433 $1,425 $1,288 $1,317 $4,154 $5,080 $1,787 $1,992

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Minimum Car Insurance in Buffalo, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Buffalo, Missouri

Insurance Company Poor Fair Good
Allstate $5,619 $3,619 $2,986
American Family $4,445 $3,120 $2,627
Farmers $4,679 $3,893 $3,702
GEICO $4,093 $2,666 $2,132
Liberty Mutual $6,255 $3,818 $3,007
Nationwide $2,596 $2,148 $1,867
Progressive $3,564 $2,950 $2,719
State Farm $3,579 $2,358 $1,949
USAA $3,840 $1,796 $1,291

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

Annual Buffalo, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,480 $3,940 $4,926 $3,953
American Family $2,583 $3,658 $4,421 $2,926
Farmers $3,544 $4,394 $4,298 $4,129
GEICO $2,338 $2,993 $3,996 $2,528
Liberty Mutual $3,170 $4,546 $4,688 $5,037
Nationwide $1,728 $2,222 $2,972 $1,893
Progressive $2,650 $3,586 $2,950 $3,125
State Farm $2,422 $2,836 $2,629 $2,629
USAA $1,870 $2,251 $3,082 $2,035

Cheapest Buffalo, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Buffalo, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,952 $8,623
American Family $6,001 $7,831
Farmers $9,230 $9,545
GEICO $6,022 $6,405
Liberty Mutual $9,047 $10,050
Nationwide $3,741 $4,784
Progressive $6,245 $7,013
State Farm $4,731 $5,972
USAA $4,154 $5,080

Cheapest Buffalo, MO Car Insurance for Seniors

Take a look at Buffalo, 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 Buffalo, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,526 $2,605
American Family $1,992 $1,992
Farmers $2,019 $2,136
GEICO $1,523 $1,925
Liberty Mutual $2,161 $2,424
Nationwide $1,307 $1,382
Progressive $1,535 $1,582
State Farm $1,489 $1,489
USAA $1,288 $1,317

Cheapest Buffalo, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Buffalo, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,926
American Family $4,421
Farmers $4,298
GEICO $3,996
Liberty Mutual $4,688
Nationwide $2,972
Progressive $2,950
State Farm $2,629
USAA $3,082

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Cheapest Buffalo, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Buffalo, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,075 $4,075
American Family $3,363 $3,431
Farmers $4,091 $4,091
GEICO $2,905 $3,022
Liberty Mutual $4,360 $4,360
Nationwide $2,204 $2,204
Progressive $3,078 $3,078
State Farm $2,565 $2,693
USAA $2,224 $2,394

The Best Cheap Car Insurance Companies in Buffalo, MO

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

Average Annual Car Insurance Rates by Company in Buffalo, Missouri

Insurance Company Average Annual Rates
Allstate $4,075
American Family $3,397
Farmers $4,091
GEICO $2,964
Liberty Mutual $4,360
Nationwide $2,204
Progressive $3,078
State Farm $2,629
USAA $2,309

Category Winners: Cheapest Car Insurance in Buffalo, Missouri

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

Best Annual Car Insurance Rates by Company in Buffalo, Missouri

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

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Cheapest Buffalo, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Buffalo, Missouri

Insurance Company Low Medium High
Allstate $3,916 $4,066 $4,243
American Family $3,308 $3,505 $3,378
Farmers $3,843 $4,053 $4,378
GEICO $2,793 $2,981 $3,116
Liberty Mutual $4,118 $4,381 $4,581
Nationwide $2,066 $2,226 $2,319
Progressive $2,758 $3,084 $3,390
State Farm $2,467 $2,637 $2,783
USAA $2,204 $2,301 $2,423

What affects car insurance rates in Buffalo, Missouri?

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

Commute Time in Buffalo

The more time you spend in your car the higher the risk of an accident. The average commute length in Buffalo, MO is 27.0 minutes according to City-Data.

Traffic in Buffalo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Buffalo, MO traffic data from INRIX ranks Buffalo as the 716th-most congested in the world.

Compare Car Insurance Quotes in Buffalo, MO

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

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