Compare Concordia, MO Car Insurance Rates (2021)

Car insurance in Concordia, MO averages $261 a month. Concordia, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Concordia car insurance rates, compare quotes from the top car insurance companies in Concordia, 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 Concordia for teen drivers is Nationwide
  • Average car insurance rates in Concordia, MO are $3,132/year
  • The cheapest car insurance company in Concordia is Nationwide

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

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

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

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

How do age, gender, and marital status affect Concordia, MO car insurance rates? Every Concordia, 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 Concordia, 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 $1,940 $1,940 $1,732 $1,732 $5,362 $6,952 $1,940 $2,262
Farmers $2,438 $2,438 $2,172 $2,308 $10,298 $10,683 $2,766 $2,877
GEICO $1,714 $1,934 $1,326 $1,709 $5,448 $5,794 $1,553 $1,567
Liberty Mutual $2,620 $2,845 $2,161 $2,426 $8,617 $9,573 $2,764 $2,955
Nationwide $1,379 $1,410 $1,233 $1,308 $3,488 $4,474 $1,573 $1,703
Progressive $1,815 $1,701 $1,484 $1,526 $5,656 $6,361 $2,213 $2,258
State Farm $1,490 $1,490 $1,329 $1,329 $4,294 $5,409 $1,676 $1,921
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

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Minimum Car Insurance in Concordia, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Concordia, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $3,889 $2,745 $2,315
Farmers $5,130 $4,285 $4,077
GEICO $3,630 $2,367 $1,895
Liberty Mutual $6,100 $3,709 $2,927
Nationwide $2,443 $2,016 $1,754
Progressive $3,339 $2,755 $2,536
State Farm $3,243 $2,118 $1,741
USAA $4,216 $1,958 $1,402

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

Annual Concordia, 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 $2,208 $3,240 $3,950 $2,533
Farmers $3,896 $4,843 $4,737 $4,513
GEICO $2,029 $2,660 $3,621 $2,212
Liberty Mutual $3,099 $4,416 $4,569 $4,897
Nationwide $1,636 $2,088 $2,774 $1,787
Progressive $2,522 $3,300 $2,771 $2,914
State Farm $2,176 $2,558 $2,367 $2,367
USAA $2,036 $2,458 $3,392 $2,217

Cheapest Concordia, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Concordia, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $5,362 $6,952
Farmers $10,298 $10,683
GEICO $5,448 $5,794
Liberty Mutual $8,617 $9,573
Nationwide $3,488 $4,474
Progressive $5,656 $6,361
State Farm $4,294 $5,409
USAA $4,587 $5,609

Cheapest Concordia, MO Car Insurance for Seniors

Take a look at Concordia, 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 Concordia, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,732 $1,732
Farmers $2,172 $2,308
GEICO $1,326 $1,709
Liberty Mutual $2,161 $2,426
Nationwide $1,233 $1,308
Progressive $1,484 $1,526
State Farm $1,329 $1,329
USAA $1,391 $1,422

Cheapest Concordia, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Concordia, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,790
American Family $3,950
Farmers $4,737
GEICO $3,621
Liberty Mutual $4,569
Nationwide $2,774
Progressive $2,771
State Farm $2,367
USAA $3,392

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Cheapest Concordia, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Concordia, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,995 $3,995
American Family $2,954 $3,012
Farmers $4,497 $4,497
GEICO $2,583 $2,678
Liberty Mutual $4,245 $4,245
Nationwide $2,071 $2,071
Progressive $2,877 $2,877
State Farm $2,310 $2,424
USAA $2,433 $2,618

The Best Cheap Car Insurance Companies in Concordia, MO

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

Average Annual Car Insurance Rates by Company in Concordia, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $2,983
Farmers $4,497
GEICO $2,631
Liberty Mutual $4,245
Nationwide $2,071
Progressive $2,877
State Farm $2,367
USAA $2,526

Category Winners: Cheapest Car Insurance in Concordia, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Concordia, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $2,887 $3,077 $2,984
Farmers $4,164 $4,445 $4,883
GEICO $2,469 $2,647 $2,775
Liberty Mutual $4,009 $4,266 $4,460
Nationwide $1,950 $2,090 $2,174
Progressive $2,588 $2,884 $3,158
State Farm $2,232 $2,375 $2,495
USAA $2,420 $2,517 $2,640

What affects car insurance rates in Concordia, Missouri?

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

Commute Time in Concordia

The more time you spend in your car the higher the risk of an accident. The average commute length in Concordia, MO is 22.3 minutes according to City-Data.

Compare Car Insurance Quotes in Concordia, MO

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

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