Compare Cape Girardeau, MO Car Insurance Rates (2021)

Car insurance in Cape Girardeau, MO averages $274 a month. Cape Girardeau, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Cape Girardeau car insurance rates, compare quotes from the top car insurance companies in Cape Girardeau, 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 Cape Girardeau for teen drivers is Nationwide
  • Average car insurance rates in Cape Girardeau, MO are $3,287/year
  • The cheapest car insurance company in Cape Girardeau is Nationwide

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

You’ll find Cape Girardeau car insurance rates, the cheapest Cape Girardeau, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Cape Girardeau, Missouri car insurance rates to Kansas City car insurance rates, Lee’s Summit car insurance rates, and St. Charles car insurance rates.

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

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

How do age, gender, and marital status affect Cape Girardeau, MO car insurance rates? Every Cape Girardeau, 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 Cape Girardeau, 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 $2,084 $2,084 $1,857 $1,857 $5,718 $7,429 $2,084 $2,435
Farmers $2,435 $2,435 $2,174 $2,300 $9,970 $10,348 $2,760 $2,883
GEICO $1,712 $1,924 $1,343 $1,739 $5,424 $5,709 $1,562 $1,554
Liberty Mutual $2,618 $2,834 $2,157 $2,418 $9,278 $10,301 $2,752 $2,928
Nationwide $1,478 $1,502 $1,331 $1,401 $3,804 $4,837 $1,693 $1,822
Progressive $2,101 $1,924 $1,726 $1,777 $7,315 $8,198 $2,559 $2,613
State Farm $1,670 $1,670 $1,511 $1,511 $5,076 $6,375 $1,886 $2,164
USAA $1,503 $1,488 $1,359 $1,379 $4,499 $5,488 $1,862 $2,065

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Minimum Car Insurance in Cape Girardeau, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Cape Girardeau, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $4,170 $2,936 $2,474
Farmers $5,037 $4,203 $4,000
GEICO $3,616 $2,358 $1,888
Liberty Mutual $6,318 $3,870 $3,045
Nationwide $2,625 $2,182 $1,895
Progressive $4,065 $3,387 $3,128
State Farm $3,826 $2,421 $1,950
USAA $4,080 $1,912 $1,375

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

Annual Cape Girardeau, 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 $2,384 $3,454 $4,211 $2,724
Farmers $3,843 $4,740 $4,639 $4,431
GEICO $2,022 $2,653 $3,609 $2,199
Liberty Mutual $3,198 $4,607 $4,737 $5,102
Nationwide $1,741 $2,253 $3,028 $1,912
Progressive $3,017 $4,136 $3,375 $3,578
State Farm $2,494 $2,971 $2,733 $2,733
USAA $1,960 $2,389 $3,328 $2,146

Cheapest Cape Girardeau, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Cape Girardeau, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $5,718 $7,429
Farmers $9,970 $10,348
GEICO $5,424 $5,709
Liberty Mutual $9,278 $10,301
Nationwide $3,804 $4,837
Progressive $7,315 $8,198
State Farm $5,076 $6,375
USAA $4,499 $5,488

Cheapest Cape Girardeau, MO Car Insurance for Seniors

Take a look at Cape Girardeau, 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 Cape Girardeau, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,857 $1,857
Farmers $2,174 $2,300
GEICO $1,343 $1,739
Liberty Mutual $2,157 $2,418
Nationwide $1,331 $1,401
Progressive $1,726 $1,777
State Farm $1,511 $1,511
USAA $1,359 $1,379

Cheapest Cape Girardeau, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Cape Girardeau, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,790
American Family $4,211
Farmers $4,639
GEICO $3,609
Liberty Mutual $4,737
Nationwide $3,028
Progressive $3,375
State Farm $2,733
USAA $3,328

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Cheapest Cape Girardeau, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Cape Girardeau, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,995 $3,995
American Family $3,162 $3,225
Farmers $4,413 $4,413
GEICO $2,572 $2,669
Liberty Mutual $4,411 $4,411
Nationwide $2,234 $2,234
Progressive $3,527 $3,527
State Farm $2,665 $2,800
USAA $2,367 $2,544

Cheapest Cape Girardeau, MO Car Insurance Rates by ZIP Code

Cape Girardeau car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Cape Girardeau, MO.

Annual Car Insurance Rates by ZIP Code in Cape Girardeau, Missouri

ZIP Code Average Annual Rates
63701 $2,672
63703 $2,751

The Best Cheap Car Insurance Companies in Cape Girardeau, MO

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

Average Annual Car Insurance Rates by Company in Cape Girardeau, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $3,193
Farmers $4,413
GEICO $2,621
Liberty Mutual $4,411
Nationwide $2,234
Progressive $3,527
State Farm $2,733
USAA $2,456

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Category Winners: Cheapest Car Insurance in Cape Girardeau, Missouri

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

Best Annual Car Insurance Rates by Company in Cape Girardeau, 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

Cheapest Cape Girardeau, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Cape Girardeau, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $3,096 $3,294 $3,190
Farmers $4,121 $4,369 $4,750
GEICO $2,427 $2,643 $2,792
Liberty Mutual $4,152 $4,434 $4,646
Nationwide $2,082 $2,257 $2,362
Progressive $3,131 $3,536 $3,913
State Farm $2,543 $2,745 $2,910
USAA $2,344 $2,446 $2,576

What affects car insurance rates in Cape Girardeau, Missouri?

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

Commute Time in Cape Girardeau

The more time you spend in your car the higher the risk of an accident. The average commute length in Cape Girardeau, MO is 16.7 minutes according to City-Data.

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Compare Car Insurance Quotes in Cape Girardeau, MO

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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