Compare Conception, MO Car Insurance Rates (2021)

Car insurance in Conception, MO averages $268 a month. Conception, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Conception car insurance rates, compare quotes from the top car insurance companies in Conception, 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 Conception, MO are $3,214/year
  • Average car insurance rates in Conception, MO after a DUI are $3,737/year
  • The cheapest car insurance company in Conception for teen drivers is Nationwide

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

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

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

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

How do age, gender, and marital status affect Conception, MO car insurance rates? Every Conception, 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 Conception, 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 $2,854 $2,764 $2,566 $2,647 $7,916 $8,591 $2,737 $2,829
American Family $1,988 $1,988 $1,767 $1,767 $5,306 $6,919 $1,988 $2,337
Farmers $2,381 $2,368 $2,132 $2,252 $9,544 $9,851 $2,719 $2,852
GEICO $1,852 $2,064 $1,434 $1,805 $5,638 $5,996 $1,715 $1,742
Liberty Mutual $2,668 $2,896 $2,195 $2,462 $8,743 $9,711 $2,822 $3,025
Nationwide $1,344 $1,383 $1,194 $1,278 $3,304 $4,281 $1,526 $1,663
Progressive $2,151 $2,039 $1,758 $1,803 $6,456 $7,287 $2,634 $2,713
State Farm $1,602 $1,602 $1,412 $1,412 $4,343 $5,508 $1,794 $2,034
USAA $1,605 $1,589 $1,448 $1,469 $4,844 $5,914 $1,995 $2,214

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Minimum Car Insurance in Conception, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Conception, Missouri

Insurance Company Poor Fair Good
Allstate $5,671 $3,651 $3,016
American Family $3,931 $2,763 $2,329
Farmers $4,876 $4,055 $3,856
GEICO $3,839 $2,502 $2,002
Liberty Mutual $6,209 $3,766 $2,970
Nationwide $2,363 $1,937 $1,690
Progressive $3,898 $3,210 $2,957
State Farm $3,290 $2,228 $1,873
USAA $4,394 $2,045 $1,465

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

Annual Conception, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,531 $3,980 $4,947 $3,994
American Family $2,280 $3,261 $3,907 $2,583
Farmers $3,699 $4,573 $4,474 $4,303
GEICO $2,198 $2,810 $3,742 $2,375
Liberty Mutual $3,150 $4,486 $4,647 $4,978
Nationwide $1,602 $2,012 $2,634 $1,739
Progressive $2,963 $3,823 $3,237 $3,398
State Farm $2,284 $2,644 $2,464 $2,464
USAA $2,100 $2,561 $3,578 $2,300

Cheapest Conception, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Conception, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,916 $8,591
American Family $5,306 $6,919
Farmers $9,544 $9,851
GEICO $5,638 $5,996
Liberty Mutual $8,743 $9,711
Nationwide $3,304 $4,281
Progressive $6,456 $7,287
State Farm $4,343 $5,508
USAA $4,844 $5,914

Cheapest Conception, MO Car Insurance for Seniors

Take a look at Conception, 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 Conception, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,566 $2,647
American Family $1,767 $1,767
Farmers $2,132 $2,252
GEICO $1,434 $1,805
Liberty Mutual $2,195 $2,462
Nationwide $1,194 $1,278
Progressive $1,758 $1,803
State Farm $1,412 $1,412
USAA $1,448 $1,469

Cheapest Conception, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Conception, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,947
American Family $3,907
Farmers $4,474
GEICO $3,742
Liberty Mutual $4,647
Nationwide $2,634
Progressive $3,237
State Farm $2,464
USAA $3,578

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Cheapest Conception, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Conception, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,113 $4,113
American Family $2,977 $3,038
Farmers $4,262 $4,262
GEICO $2,727 $2,835
Liberty Mutual $4,315 $4,315
Nationwide $1,997 $1,997
Progressive $3,355 $3,355
State Farm $2,404 $2,523
USAA $2,541 $2,729

The Best Cheap Car Insurance Companies in Conception, MO

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

Average Annual Car Insurance Rates by Company in Conception, Missouri

Insurance Company Average Annual Rates
Allstate $4,113
American Family $3,008
Farmers $4,262
GEICO $2,781
Liberty Mutual $4,315
Nationwide $1,997
Progressive $3,355
State Farm $2,464
USAA $2,635

Category Winners: Cheapest Car Insurance in Conception, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Conception, Missouri

Insurance Company Low Medium High
Allstate $3,976 $4,105 $4,258
American Family $2,927 $3,104 $2,992
Farmers $4,027 $4,229 $4,531
GEICO $2,625 $2,797 $2,921
Liberty Mutual $4,095 $4,334 $4,517
Nationwide $1,888 $2,013 $2,089
Progressive $3,071 $3,363 $3,632
State Farm $2,332 $2,470 $2,588
USAA $2,526 $2,626 $2,752

What affects car insurance rates in Conception, Missouri?

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

Commute Time in Conception

The more time you spend in your car the higher the risk of an accident. The average commute length in Conception, MO is 13.7 minutes according to City-Data.

Compare Car Insurance Quotes in Conception, MO

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