Compare Essex, MO Car Insurance Rates (2021)

Car insurance in Essex, MO averages $260 a month. Essex, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Essex car insurance rates, compare quotes from the top car insurance companies in Essex, MO.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Essex, MO are $3,124/year
  • The cheapest car insurance company in Essex for teen drivers is Nationwide
  • The cheapest car insurance company in Essex is Nationwide

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

You’ll find Essex car insurance rates, the cheapest Essex, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Essex, Missouri car insurance rates to Lee’s Summit car insurance rates, St. Louis car insurance rates, and Kansas City car insurance rates.

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

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

How do age, gender, and marital status affect Essex, MO car insurance rates? Every Essex, 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 Essex, 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 $1,987 $1,987 $1,772 $1,772 $5,488 $7,118 $1,987 $2,318
Farmers $2,180 $2,178 $1,947 $2,061 $8,984 $9,310 $2,485 $2,602
GEICO $1,661 $1,873 $1,304 $1,689 $5,247 $5,541 $1,516 $1,516
Liberty Mutual $2,539 $2,751 $2,096 $2,352 $8,837 $9,813 $2,666 $2,836
Nationwide $1,504 $1,532 $1,349 $1,425 $3,871 $4,940 $1,722 $1,858
Progressive $1,809 $1,672 $1,479 $1,525 $6,026 $6,765 $2,204 $2,253
State Farm $1,523 $1,523 $1,370 $1,370 $4,408 $5,550 $1,712 $1,949
USAA $1,612 $1,594 $1,457 $1,475 $4,904 $5,980 $1,996 $2,211

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Minimum Car Insurance in Essex, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Essex, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $3,983 $2,810 $2,368
Farmers $4,536 $3,776 $3,592
GEICO $3,508 $2,289 $1,833
Liberty Mutual $6,075 $3,712 $2,922
Nationwide $2,679 $2,219 $1,927
Progressive $3,437 $2,843 $2,620
State Farm $3,335 $2,167 $1,775
USAA $4,414 $2,065 $1,482

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

Annual Essex, 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 $2,264 $3,312 $4,043 $2,595
Farmers $3,443 $4,263 $4,170 $3,997
GEICO $1,967 $2,569 $3,499 $2,138
Liberty Mutual $3,075 $4,421 $4,550 $4,899
Nationwide $1,779 $2,294 $3,076 $1,951
Progressive $2,554 $3,457 $2,843 $3,012
State Farm $2,227 $2,624 $2,426 $2,426
USAA $2,107 $2,579 $3,619 $2,310

Cheapest Essex, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Essex, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $5,488 $7,118
Farmers $8,984 $9,310
GEICO $5,247 $5,541
Liberty Mutual $8,837 $9,813
Nationwide $3,871 $4,940
Progressive $6,026 $6,765
State Farm $4,408 $5,550
USAA $4,904 $5,980

Cheapest Essex, MO Car Insurance for Seniors

Take a look at Essex, 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 Essex, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,772 $1,772
Farmers $1,947 $2,061
GEICO $1,304 $1,689
Liberty Mutual $2,096 $2,352
Nationwide $1,349 $1,425
Progressive $1,479 $1,525
State Farm $1,370 $1,370
USAA $1,457 $1,475

Cheapest Essex, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Essex, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,790
American Family $4,043
Farmers $4,170
GEICO $3,499
Liberty Mutual $4,550
Nationwide $3,076
Progressive $2,843
State Farm $2,426
USAA $3,619

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Cheapest Essex, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Essex, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,995 $3,995
American Family $3,024 $3,084
Farmers $3,968 $3,968
GEICO $2,495 $2,591
Liberty Mutual $4,236 $4,236
Nationwide $2,275 $2,275
Progressive $2,967 $2,967
State Farm $2,366 $2,485
USAA $2,559 $2,748

The Best Cheap Car Insurance Companies in Essex, MO

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

Average Annual Car Insurance Rates by Company in Essex, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $3,054
Farmers $3,968
GEICO $2,543
Liberty Mutual $4,236
Nationwide $2,275
Progressive $2,967
State Farm $2,426
USAA $2,654

Category Winners: Cheapest Car Insurance in Essex, Missouri

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

Best Annual Car Insurance Rates by Company in Essex, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors State Farm
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

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Cheapest Essex, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Essex, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $2,958 $3,150 $3,053
Farmers $3,706 $3,926 $4,273
GEICO $2,359 $2,562 $2,709
Liberty Mutual $3,976 $4,257 $4,476
Nationwide $2,131 $2,298 $2,396
Progressive $2,643 $2,972 $3,285
State Farm $2,255 $2,432 $2,590
USAA $2,536 $2,644 $2,781

What affects car insurance rates in Essex, Missouri?

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

Commute Time in Essex

The more time you spend in your car the higher the risk of an accident. The average commute length in Essex, MO is 21.9 minutes according to City-Data.

Compare Car Insurance Quotes in Essex, MO

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

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