Compare Defiance, MO Car Insurance Rates (2021)

Car insurance in Defiance, MO averages $299 a month. Defiance, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Defiance car insurance rates, compare quotes from the top car insurance companies in Defiance, 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 Defiance for teen drivers is Nationwide
  • The cheapest car insurance company in Defiance is Nationwide
  • Average car insurance rates in Defiance, MO are $3,584/year

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

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

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

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

How do age, gender, and marital status affect Defiance, MO car insurance rates? Every Defiance, 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 Defiance, 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 $2,947 $2,837 $2,667 $2,750 $8,548 $9,279 $2,789 $2,867
American Family $2,243 $2,243 $2,000 $2,000 $6,230 $8,088 $2,243 $2,616
Farmers $2,641 $2,621 $2,356 $2,495 $10,944 $11,303 $3,020 $3,156
GEICO $1,992 $2,232 $1,538 $1,999 $6,430 $6,766 $1,811 $1,804
Liberty Mutual $2,834 $3,067 $2,328 $2,612 $10,321 $11,462 $2,980 $3,172
Nationwide $1,545 $1,571 $1,389 $1,462 $4,032 $5,129 $1,773 $1,909
Progressive $2,322 $2,145 $1,910 $1,959 $7,968 $8,950 $2,838 $2,931
State Farm $1,801 $1,801 $1,626 $1,626 $5,459 $6,857 $2,034 $2,338
USAA $1,568 $1,555 $1,412 $1,439 $4,644 $5,677 $1,954 $2,176

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Minimum Car Insurance in Defiance, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Defiance, Missouri

Insurance Company Poor Fair Good
Allstate $5,980 $3,852 $3,173
American Family $4,518 $3,179 $2,678
Farmers $5,491 $4,593 $4,367
GEICO $4,244 $2,762 $2,208
Liberty Mutual $6,948 $4,253 $3,339
Nationwide $2,767 $2,296 $1,991
Progressive $4,463 $3,725 $3,445
State Farm $4,114 $2,609 $2,105
USAA $4,253 $1,984 $1,423

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

Annual Defiance, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,688 $4,187 $5,262 $4,203
American Family $2,572 $3,725 $4,588 $2,947
Farmers $4,148 $5,192 $5,073 $4,855
GEICO $2,353 $3,118 $4,249 $2,565
Liberty Mutual $3,502 $5,068 $5,204 $5,614
Nationwide $1,827 $2,372 $3,198 $2,009
Progressive $3,330 $4,534 $3,714 $3,933
State Farm $2,688 $3,198 $2,943 $2,943
USAA $2,050 $2,486 $3,437 $2,240

Cheapest Defiance, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Defiance, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,548 $9,279
American Family $6,230 $8,088
Farmers $10,944 $11,303
GEICO $6,430 $6,766
Liberty Mutual $10,321 $11,462
Nationwide $4,032 $5,129
Progressive $7,968 $8,950
State Farm $5,459 $6,857
USAA $4,644 $5,677

Cheapest Defiance, MO Car Insurance for Seniors

Take a look at Defiance, 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 Defiance, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,667 $2,750
American Family $2,000 $2,000
Farmers $2,356 $2,495
GEICO $1,538 $1,999
Liberty Mutual $2,328 $2,612
Nationwide $1,389 $1,462
Progressive $1,910 $1,959
State Farm $1,626 $1,626
USAA $1,412 $1,439

Cheapest Defiance, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Defiance, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,262
American Family $4,588
Farmers $5,073
GEICO $4,249
Liberty Mutual $5,204
Nationwide $3,198
Progressive $3,714
State Farm $2,943
USAA $3,437

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Cheapest Defiance, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Defiance, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,335 $4,335
American Family $3,424 $3,492
Farmers $4,817 $4,817
GEICO $3,017 $3,126
Liberty Mutual $4,847 $4,847
Nationwide $2,351 $2,351
Progressive $3,878 $3,878
State Farm $2,870 $3,016
USAA $2,461 $2,646

The Best Cheap Car Insurance Companies in Defiance, MO

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

Average Annual Car Insurance Rates by Company in Defiance, Missouri

Insurance Company Average Annual Rates
Allstate $4,335
American Family $3,458
Farmers $4,817
GEICO $3,071
Liberty Mutual $4,847
Nationwide $2,351
Progressive $3,878
State Farm $2,943
USAA $2,553

Category Winners: Cheapest Car Insurance in Defiance, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Defiance, Missouri

Insurance Company Low Medium High
Allstate $4,167 $4,326 $4,513
American Family $3,347 $3,567 $3,460
Farmers $4,540 $4,780 $5,131
GEICO $2,855 $3,105 $3,253
Liberty Mutual $4,561 $4,870 $5,110
Nationwide $2,207 $2,374 $2,473
Progressive $3,503 $3,888 $4,242
State Farm $2,747 $2,956 $3,125
USAA $2,442 $2,545 $2,673

What affects car insurance rates in Defiance, Missouri?

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

Commute Time in Defiance

The more time you spend in your car the higher the risk of an accident. The average commute length in Defiance, MO is 30.8 minutes according to City-Data.

Compare Car Insurance Quotes in Defiance, MO

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

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