Compare De Soto, MO Car Insurance Rates (2021)

Car insurance in De Soto, MO averages $305 a month. De Soto, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap De Soto car insurance rates, compare quotes from the top car insurance companies in De Soto, 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 De Soto, MO are $3,658/year
  • The cheapest car insurance company in De Soto for teen drivers is Nationwide
  • Average car insurance rates in De Soto, MO after a DUI are $4,293/year

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

You’ll find De Soto car insurance rates, the cheapest De Soto, MO car insurance companies, and information on Missouri car insurance laws. You can also compare De Soto, Missouri car insurance rates to Independence car insurance rates, Blue Springs car insurance rates, and St. Joseph car insurance rates.

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

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

How do age, gender, and marital status affect De Soto, MO car insurance rates? Every De Soto, 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 De Soto, 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 $2,953 $2,843 $2,673 $2,756 $8,554 $9,285 $2,795 $2,873
American Family $2,357 $2,357 $2,102 $2,102 $6,585 $8,545 $2,357 $2,744
Farmers $2,435 $2,424 $2,169 $2,300 $10,261 $10,618 $2,792 $2,923
GEICO $2,061 $2,324 $1,595 $2,076 $6,642 $7,024 $1,865 $1,867
Liberty Mutual $3,063 $3,318 $2,519 $2,829 $11,049 $12,275 $3,218 $3,423
Nationwide $1,697 $1,728 $1,521 $1,606 $4,432 $5,656 $1,948 $2,102
Progressive $2,225 $2,050 $1,829 $1,879 $7,699 $8,647 $2,720 $2,796
State Farm $1,866 $1,866 $1,680 $1,680 $5,519 $6,942 $2,102 $2,405
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

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Minimum Car Insurance in De Soto, MO

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

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

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

Annual Car Insurance Rates by Credit Score in De Soto, Missouri

Insurance Company Poor Fair Good
Allstate $5,991 $3,857 $3,177
American Family $4,761 $3,349 $2,820
Farmers $5,125 $4,279 $4,067
GEICO $4,397 $2,861 $2,287
Liberty Mutual $7,474 $4,571 $3,590
Nationwide $3,048 $2,523 $2,188
Progressive $4,296 $3,583 $3,312
State Farm $4,168 $2,677 $2,178
USAA $4,567 $2,109 $1,505

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

Annual De Soto, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,695 $4,194 $5,269 $4,209
American Family $2,706 $3,915 $4,848 $3,105
Farmers $3,863 $4,839 $4,729 $4,531
GEICO $2,439 $3,220 $4,406 $2,662
Liberty Mutual $3,768 $5,448 $5,596 $6,035
Nationwide $2,012 $2,609 $3,513 $2,211
Progressive $3,194 $4,372 $3,571 $3,786
State Farm $2,755 $3,261 $3,008 $3,008
USAA $2,179 $2,649 $3,694 $2,385

Cheapest De Soto, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in De Soto, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,554 $9,285
American Family $6,585 $8,545
Farmers $10,261 $10,618
GEICO $6,642 $7,024
Liberty Mutual $11,049 $12,275
Nationwide $4,432 $5,656
Progressive $7,699 $8,647
State Farm $5,519 $6,942
USAA $5,002 $6,115

Cheapest De Soto, MO Car Insurance for Seniors

Take a look at De Soto, 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 De Soto, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,673 $2,756
American Family $2,102 $2,102
Farmers $2,169 $2,300
GEICO $1,595 $2,076
Liberty Mutual $2,519 $2,829
Nationwide $1,521 $1,606
Progressive $1,829 $1,879
State Farm $1,680 $1,680
USAA $1,491 $1,518

Cheapest De Soto, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in De Soto, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,269
American Family $4,848
Farmers $4,729
GEICO $4,406
Liberty Mutual $5,596
Nationwide $3,513
Progressive $3,571
State Farm $3,008
USAA $3,694

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Cheapest De Soto, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in De Soto, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,342 $4,342
American Family $3,608 $3,679
Farmers $4,490 $4,490
GEICO $3,124 $3,239
Liberty Mutual $5,212 $5,212
Nationwide $2,586 $2,586
Progressive $3,731 $3,731
State Farm $2,934 $3,082
USAA $2,630 $2,824

The Best Cheap Car Insurance Companies in De Soto, MO

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

Average Annual Car Insurance Rates by Company in De Soto, Missouri

Insurance Company Average Annual Rates
Allstate $4,342
American Family $3,643
Farmers $4,490
GEICO $3,182
Liberty Mutual $5,212
Nationwide $2,586
Progressive $3,731
State Farm $3,008
USAA $2,727

Category Winners: Cheapest Car Insurance in De Soto, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in De Soto, Missouri

Insurance Company Low Medium High
Allstate $4,171 $4,332 $4,522
American Family $3,522 $3,758 $3,651
Farmers $4,202 $4,446 $4,823
GEICO $2,964 $3,210 $3,371
Liberty Mutual $4,893 $5,238 $5,504
Nationwide $2,423 $2,612 $2,723
Progressive $3,335 $3,738 $4,119
State Farm $2,807 $3,019 $3,197
USAA $2,627 $2,720 $2,834

What affects car insurance rates in De Soto, Missouri?

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

Commute Time in De Soto

The more time you spend in your car the higher the risk of an accident. The average commute length in De Soto, MO is 34.5 minutes according to City-Data.

Compare Car Insurance Quotes in De Soto, MO

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

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