Compare Charleston, MO Car Insurance Rates (2021)

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

  • Average car insurance rates in Charleston, MO after a DUI are $3,802/year
  • Average car insurance rates in Charleston, MO are $3,240/year
  • The cheapest car insurance company in Charleston for teen drivers is Nationwide

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

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

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

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

How do age, gender, and marital status affect Charleston, MO car insurance rates? Every Charleston, 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 Charleston, 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 $2,242 $2,242 $1,992 $1,992 $6,001 $7,831 $2,242 $2,635
Farmers $2,299 $2,299 $2,050 $2,172 $9,604 $9,970 $2,618 $2,736
GEICO $1,661 $1,873 $1,304 $1,689 $5,247 $5,541 $1,516 $1,516
Liberty Mutual $2,548 $2,762 $2,104 $2,361 $8,749 $9,716 $2,677 $2,851
Nationwide $1,656 $1,688 $1,484 $1,567 $4,356 $5,559 $1,903 $2,053
Progressive $1,807 $1,652 $1,479 $1,528 $6,314 $7,080 $2,201 $2,246
State Farm $1,585 $1,585 $1,428 $1,428 $4,714 $5,933 $1,787 $2,044
USAA $1,612 $1,594 $1,457 $1,475 $4,904 $5,980 $1,996 $2,211

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Minimum Car Insurance in Charleston, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Charleston, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $4,445 $3,120 $2,627
Farmers $4,814 $4,018 $3,823
GEICO $3,508 $2,289 $1,833
Liberty Mutual $6,057 $3,696 $2,911
Nationwide $2,987 $2,471 $2,141
Progressive $3,511 $2,915 $2,689
State Farm $3,558 $2,280 $1,852
USAA $4,414 $2,065 $1,482

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

Annual Charleston, 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 $2,583 $3,658 $4,421 $2,926
Farmers $3,656 $4,538 $4,439 $4,241
GEICO $1,967 $2,569 $3,499 $2,138
Liberty Mutual $3,068 $4,402 $4,536 $4,879
Nationwide $1,968 $2,555 $3,446 $2,164
Progressive $2,586 $3,576 $2,904 $3,088
State Farm $2,346 $2,780 $2,563 $2,563
USAA $2,107 $2,579 $3,619 $2,310

Cheapest Charleston, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Charleston, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $6,001 $7,831
Farmers $9,604 $9,970
GEICO $5,247 $5,541
Liberty Mutual $8,749 $9,716
Nationwide $4,356 $5,559
Progressive $6,314 $7,080
State Farm $4,714 $5,933
USAA $4,904 $5,980

Cheapest Charleston, MO Car Insurance for Seniors

Take a look at Charleston, 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 Charleston, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,992 $1,992
Farmers $2,050 $2,172
GEICO $1,304 $1,689
Liberty Mutual $2,104 $2,361
Nationwide $1,484 $1,567
Progressive $1,479 $1,528
State Farm $1,428 $1,428
USAA $1,457 $1,475

Cheapest Charleston, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Charleston, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,790
American Family $4,421
Farmers $4,439
GEICO $3,499
Liberty Mutual $4,536
Nationwide $3,446
Progressive $2,904
State Farm $2,563
USAA $3,619

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Cheapest Charleston, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Charleston, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,995 $3,995
American Family $3,363 $3,431
Farmers $4,218 $4,218
GEICO $2,495 $2,591
Liberty Mutual $4,221 $4,221
Nationwide $2,533 $2,533
Progressive $3,038 $3,038
State Farm $2,500 $2,627
USAA $2,559 $2,748

The Best Cheap Car Insurance Companies in Charleston, MO

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

Average Annual Car Insurance Rates by Company in Charleston, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $3,397
Farmers $4,218
GEICO $2,543
Liberty Mutual $4,221
Nationwide $2,533
Progressive $3,038
State Farm $2,563
USAA $2,654

Category Winners: Cheapest Car Insurance in Charleston, Missouri

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

Best Annual Car Insurance Rates by Company in Charleston, Missouri

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

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Cheapest Charleston, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Charleston, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $3,308 $3,505 $3,378
Farmers $3,928 $4,172 $4,555
GEICO $2,359 $2,562 $2,709
Liberty Mutual $3,965 $4,242 $4,457
Nationwide $2,381 $2,558 $2,660
Progressive $2,678 $3,043 $3,394
State Farm $2,389 $2,574 $2,727
USAA $2,536 $2,644 $2,781

What affects car insurance rates in Charleston, Missouri?

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

Commute Time in Charleston

The more time you spend in your car the higher the risk of an accident. The average commute length in Charleston, MO is 15.6 minutes according to City-Data.

Traffic in Charleston

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Charleston, MO traffic data from INRIX ranks Charleston as the 649th-most congested in the world.

Compare Car Insurance Quotes in Charleston, MO

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

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