Compare Franklin, MO Car Insurance Rates (2021)

Car insurance in Franklin, MO averages $263 a month. Franklin, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Franklin car insurance rates, compare quotes from the top car insurance companies in Franklin, 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 Franklin, MO after a DUI are $3,674/year
  • The cheapest car insurance company in Franklin for teen drivers is Nationwide
  • Average car insurance rates in Franklin, MO are $3,155/year

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

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

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

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

How do age, gender, and marital status affect Franklin, MO car insurance rates? Every Franklin, 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 Franklin, 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 $1,921 $1,921 $1,714 $1,714 $5,294 $6,871 $1,921 $2,241
Farmers $2,375 $2,364 $2,122 $2,245 $9,728 $10,057 $2,720 $2,855
GEICO $1,882 $2,092 $1,468 $1,850 $5,716 $6,045 $1,747 $1,762
Liberty Mutual $2,568 $2,788 $2,118 $2,377 $8,465 $9,405 $2,709 $2,896
Nationwide $1,377 $1,411 $1,230 $1,307 $3,461 $4,451 $1,569 $1,702
Progressive $1,978 $1,864 $1,618 $1,661 $6,071 $6,840 $2,418 $2,477
State Farm $1,561 $1,561 $1,381 $1,381 $4,299 $5,445 $1,750 $1,987
USAA $1,604 $1,598 $1,429 $1,469 $4,629 $5,676 $2,017 $2,258

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Minimum Car Insurance in Franklin, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Franklin, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,849 $2,713 $2,287
Farmers $4,924 $4,101 $3,900
GEICO $3,894 $2,537 $2,030
Liberty Mutual $5,987 $3,639 $2,872
Nationwide $2,436 $2,007 $1,748
Progressive $3,617 $2,983 $2,747
State Farm $3,254 $2,183 $1,825
USAA $4,340 $1,994 $1,421

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

Annual Franklin, 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 $2,190 $3,206 $3,895 $2,508
Farmers $3,724 $4,631 $4,528 $4,351
GEICO $2,229 $2,852 $3,795 $2,406
Liberty Mutual $3,041 $4,334 $4,483 $4,806
Nationwide $1,636 $2,080 $2,754 $1,784
Progressive $2,739 $3,564 $3,003 $3,156
State Farm $2,239 $2,602 $2,421 $2,421
USAA $2,105 $2,518 $3,432 $2,285

Cheapest Franklin, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Franklin, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,294 $6,871
Farmers $9,728 $10,057
GEICO $5,716 $6,045
Liberty Mutual $8,465 $9,405
Nationwide $3,461 $4,451
Progressive $6,071 $6,840
State Farm $4,299 $5,445
USAA $4,629 $5,676

Cheapest Franklin, MO Car Insurance for Seniors

Take a look at Franklin, 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 Franklin, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,714 $1,714
Farmers $2,122 $2,245
GEICO $1,468 $1,850
Liberty Mutual $2,118 $2,377
Nationwide $1,230 $1,307
Progressive $1,618 $1,661
State Farm $1,381 $1,381
USAA $1,429 $1,469

Cheapest Franklin, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Franklin, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,895
Farmers $4,528
GEICO $3,795
Liberty Mutual $4,483
Nationwide $2,754
Progressive $3,003
State Farm $2,421
USAA $3,432

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Cheapest Franklin, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Franklin, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,921 $2,979
Farmers $4,308 $4,308
GEICO $2,765 $2,875
Liberty Mutual $4,166 $4,166
Nationwide $2,063 $2,063
Progressive $3,116 $3,116
State Farm $2,362 $2,480
USAA $2,491 $2,680

The Best Cheap Car Insurance Companies in Franklin, MO

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

Average Annual Car Insurance Rates by Company in Franklin, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $2,950
Farmers $4,308
GEICO $2,820
Liberty Mutual $4,166
Nationwide $2,063
Progressive $3,116
State Farm $2,421
USAA $2,585

Category Winners: Cheapest Car Insurance in Franklin, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Franklin, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,854 $3,043 $2,953
Farmers $4,056 $4,271 $4,598
GEICO $2,645 $2,840 $2,976
Liberty Mutual $3,933 $4,185 $4,379
Nationwide $1,946 $2,082 $2,163
Progressive $2,823 $3,123 $3,401
State Farm $2,285 $2,428 $2,550
USAA $2,491 $2,578 $2,686

What affects car insurance rates in Franklin, Missouri?

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

Commute Time in Franklin

The more time you spend in your car the higher the risk of an accident. The average commute length in Franklin, MO is 24.6 minutes according to City-Data.

Compare Car Insurance Quotes in Franklin, MO

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

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