Compare Downing, MO Car Insurance Rates (2021)

Car insurance in Downing, MO averages $267 a month. Downing, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Downing car insurance rates, compare quotes from the top car insurance companies in Downing, 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 Downing, MO after a DUI are $3,693/year
  • Average car insurance rates in Downing, MO are $3,199/year
  • The cheapest car insurance company in Downing for teen drivers is Nationwide

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

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

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

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

How do age, gender, and marital status affect Downing, MO car insurance rates? Every Downing, 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 Downing, 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 $2,766 $2,681 $2,482 $2,562 $7,583 $8,206 $2,661 $2,753
American Family $1,924 $1,924 $1,712 $1,712 $5,195 $6,763 $1,924 $2,253
Farmers $2,385 $2,387 $2,139 $2,259 $9,390 $9,727 $2,696 $2,821
GEICO $1,907 $2,104 $1,484 $1,834 $5,572 $5,914 $1,802 $1,835
Liberty Mutual $2,624 $2,848 $2,163 $2,425 $8,642 $9,596 $2,771 $2,967
Nationwide $1,460 $1,503 $1,299 $1,390 $3,523 $4,567 $1,651 $1,801
Progressive $2,245 $2,127 $1,836 $1,884 $6,823 $7,705 $2,754 $2,828
State Farm $1,589 $1,589 $1,403 $1,403 $4,352 $5,519 $1,782 $2,020
USAA $1,545 $1,541 $1,378 $1,418 $4,426 $5,428 $1,944 $2,178

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Minimum Car Insurance in Downing, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Downing, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,823 $2,689 $2,265
Farmers $4,841 $4,014 $3,822
GEICO $3,875 $2,525 $2,020
Liberty Mutual $6,120 $3,715 $2,929
Nationwide $2,551 $2,082 $1,815
Progressive $4,092 $3,374 $3,110
State Farm $3,294 $2,219 $1,859
USAA $4,157 $1,919 $1,371

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

Annual Downing, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,406 $3,835 $4,758 $3,848
American Family $2,201 $3,179 $3,821 $2,502
Farmers $3,711 $4,518 $4,427 $4,248
GEICO $2,267 $2,832 $3,697 $2,429
Liberty Mutual $3,103 $4,425 $4,580 $4,910
Nationwide $1,735 $2,165 $2,818 $1,879
Progressive $3,104 $4,026 $3,400 $3,571
State Farm $2,275 $2,640 $2,457 $2,457
USAA $2,027 $2,420 $3,284 $2,197

Cheapest Downing, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Downing, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,195 $6,763
Farmers $9,390 $9,727
GEICO $5,572 $5,914
Liberty Mutual $8,642 $9,596
Nationwide $3,523 $4,567
Progressive $6,823 $7,705
State Farm $4,352 $5,519
USAA $4,426 $5,428

Cheapest Downing, MO Car Insurance for Seniors

Take a look at Downing, 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 Downing, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,712 $1,712
Farmers $2,139 $2,259
GEICO $1,484 $1,834
Liberty Mutual $2,163 $2,425
Nationwide $1,299 $1,390
Progressive $1,836 $1,884
State Farm $1,403 $1,403
USAA $1,378 $1,418

Cheapest Downing, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Downing, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,821
Farmers $4,427
GEICO $3,697
Liberty Mutual $4,580
Nationwide $2,818
Progressive $3,400
State Farm $2,457
USAA $3,284

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Cheapest Downing, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Downing, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,897 $2,955
Farmers $4,226 $4,226
GEICO $2,747 $2,866
Liberty Mutual $4,255 $4,255
Nationwide $2,149 $2,149
Progressive $3,525 $3,525
State Farm $2,397 $2,517
USAA $2,390 $2,574

The Best Cheap Car Insurance Companies in Downing, MO

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

Average Annual Car Insurance Rates by Company in Downing, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $2,926
Farmers $4,226
GEICO $2,806
Liberty Mutual $4,255
Nationwide $2,149
Progressive $3,525
State Farm $2,457
USAA $2,482

Category Winners: Cheapest Car Insurance in Downing, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Downing, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,838 $3,019 $2,920
Farmers $3,958 $4,185 $4,535
GEICO $2,652 $2,822 $2,946
Liberty Mutual $4,028 $4,273 $4,462
Nationwide $2,021 $2,165 $2,261
Progressive $3,199 $3,531 $3,845
State Farm $2,321 $2,465 $2,585
USAA $2,385 $2,474 $2,587

What affects car insurance rates in Downing, Missouri?

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

Commute Time in Downing

The more time you spend in your car the higher the risk of an accident. The average commute length in Downing, MO is 29.0 minutes according to City-Data.

Compare Car Insurance Quotes in Downing, MO

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

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