Compare Centralia, MO Car Insurance Rates (2021)

Car insurance in Centralia, MO averages $262 a month. Centralia, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Centralia car insurance rates, compare quotes from the top car insurance companies in Centralia, 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 Centralia for teen drivers is Nationwide
  • Average car insurance rates in Centralia, MO are $3,138/year
  • The cheapest car insurance company in Centralia is Nationwide

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

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

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

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

How do age, gender, and marital status affect Centralia, MO car insurance rates? Every Centralia, 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 Centralia, 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 $2,766 $2,681 $2,482 $2,562 $7,583 $8,206 $2,661 $2,753
American Family $1,900 $1,900 $1,696 $1,696 $5,258 $6,818 $1,900 $2,215
Farmers $2,240 $2,228 $2,005 $2,121 $9,026 $9,315 $2,554 $2,673
GEICO $1,936 $2,158 $1,491 $1,895 $6,037 $6,396 $1,777 $1,793
Liberty Mutual $2,565 $2,780 $2,115 $2,372 $8,713 $9,675 $2,702 $2,882
Nationwide $1,517 $1,555 $1,353 $1,440 $3,796 $4,893 $1,729 $1,878
Progressive $1,863 $1,730 $1,528 $1,570 $6,095 $6,843 $2,271 $2,320
State Farm $1,559 $1,559 $1,396 $1,396 $4,530 $5,718 $1,755 $2,001
USAA $1,489 $1,481 $1,339 $1,371 $4,285 $5,244 $1,860 $2,077

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Minimum Car Insurance in Centralia, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Centralia, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,813 $2,689 $2,267
Farmers $4,598 $3,824 $3,637
GEICO $4,054 $2,640 $2,112
Liberty Mutual $6,062 $3,699 $2,915
Nationwide $2,682 $2,207 $1,922
Progressive $3,501 $2,904 $2,677
State Farm $3,421 $2,224 $1,823
USAA $3,981 $1,861 $1,337

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

Annual Centralia, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,406 $3,835 $4,758 $3,848
American Family $2,163 $3,179 $3,868 $2,481
Farmers $3,489 $4,315 $4,221 $4,055
GEICO $2,289 $2,977 $3,992 $2,484
Liberty Mutual $3,076 $4,403 $4,543 $4,880
Nationwide $1,803 $2,288 $3,025 $1,965
Progressive $2,628 $3,505 $2,908 $3,068
State Farm $2,286 $2,692 $2,489 $2,489
USAA $1,942 $2,335 $3,183 $2,113

Cheapest Centralia, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Centralia, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,258 $6,818
Farmers $9,026 $9,315
GEICO $6,037 $6,396
Liberty Mutual $8,713 $9,675
Nationwide $3,796 $4,893
Progressive $6,095 $6,843
State Farm $4,530 $5,718
USAA $4,285 $5,244

Cheapest Centralia, MO Car Insurance for Seniors

Take a look at Centralia, 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 Centralia, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,696 $1,696
Farmers $2,005 $2,121
GEICO $1,491 $1,895
Liberty Mutual $2,115 $2,372
Nationwide $1,353 $1,440
Progressive $1,528 $1,570
State Farm $1,396 $1,396
USAA $1,339 $1,371

Cheapest Centralia, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Centralia, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,868
Farmers $4,221
GEICO $3,992
Liberty Mutual $4,543
Nationwide $3,025
Progressive $2,908
State Farm $2,489
USAA $3,183

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Cheapest Centralia, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Centralia, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,894 $2,951
Farmers $4,020 $4,020
GEICO $2,882 $2,989
Liberty Mutual $4,225 $4,225
Nationwide $2,270 $2,270
Progressive $3,028 $3,028
State Farm $2,428 $2,551
USAA $2,305 $2,481

The Best Cheap Car Insurance Companies in Centralia, MO

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

Average Annual Car Insurance Rates by Company in Centralia, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $2,923
Farmers $4,020
GEICO $2,935
Liberty Mutual $4,225
Nationwide $2,270
Progressive $3,028
State Farm $2,489
USAA $2,393

Category Winners: Cheapest Car Insurance in Centralia, Missouri

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

Best Annual Car Insurance Rates by Company in Centralia, 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 Centralia, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Centralia, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,826 $3,015 $2,927
Farmers $3,786 $3,986 $4,287
GEICO $2,762 $2,959 $3,084
Liberty Mutual $3,988 $4,247 $4,442
Nationwide $2,132 $2,291 $2,387
Progressive $2,714 $3,036 $3,333
State Farm $2,328 $2,500 $2,640
USAA $2,283 $2,385 $2,512

What affects car insurance rates in Centralia, Missouri?

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

Commute Time in Centralia

The more time you spend in your car the higher the risk of an accident. The average commute length in Centralia, MO is 28.0 minutes according to City-Data.

Compare Car Insurance Quotes in Centralia, MO

Ready to find affordable Centralia, Missouri car insurance today? Enter your ZIP code for fast, free Centralia, 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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