Compare Gainesville, MO Car Insurance Rates (2021)

Car insurance in Gainesville, MO averages $281 a month. Gainesville, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Gainesville car insurance rates, compare quotes from the top car insurance companies in Gainesville, MO.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Gainesville is Nationwide
  • Average car insurance rates in Gainesville, MO after a DUI are $3,909/year
  • The cheapest car insurance company in Gainesville for teen drivers is Nationwide

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

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

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

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

How do age, gender, and marital status affect Gainesville, MO car insurance rates? Every Gainesville, 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 Gainesville, 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 $2,926 $2,834 $2,632 $2,716 $8,114 $8,798 $2,805 $2,897
American Family $2,113 $2,113 $1,882 $1,882 $5,780 $7,514 $2,113 $2,473
Farmers $2,378 $2,372 $2,129 $2,247 $9,544 $9,877 $2,718 $2,860
GEICO $2,003 $2,224 $1,550 $1,930 $5,964 $6,357 $1,874 $1,914
Liberty Mutual $2,645 $2,868 $2,176 $2,437 $8,995 $9,985 $2,795 $2,992
Nationwide $1,393 $1,421 $1,251 $1,321 $3,555 $4,537 $1,592 $1,717
Progressive $2,432 $2,285 $1,983 $2,038 $7,698 $8,686 $2,978 $3,109
State Farm $1,751 $1,751 $1,557 $1,557 $4,943 $6,231 $1,966 $2,247
USAA $1,556 $1,542 $1,404 $1,428 $4,603 $5,620 $1,932 $2,146

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Gainesville, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Gainesville, Missouri

Insurance Company Poor Fair Good
Allstate $5,818 $3,740 $3,088
American Family $4,224 $2,973 $2,505
Farmers $4,884 $4,055 $3,858
GEICO $4,112 $2,677 $2,141
Liberty Mutual $6,272 $3,812 $3,000
Nationwide $2,473 $2,045 $1,777
Progressive $4,527 $3,731 $3,445
State Farm $3,738 $2,469 $2,044
USAA $4,206 $1,968 $1,413

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

Annual Gainesville, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,620 $4,083 $5,066 $4,093
American Family $2,420 $3,495 $4,258 $2,762
Farmers $3,709 $4,571 $4,474 $4,308
GEICO $2,383 $3,002 $3,958 $2,565
Liberty Mutual $3,171 $4,542 $4,693 $5,041
Nationwide $1,648 $2,116 $2,826 $1,804
Progressive $3,387 $4,511 $3,745 $3,962
State Farm $2,535 $2,966 $2,750 $2,750
USAA $2,029 $2,462 $3,409 $2,217

Cheapest Gainesville, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gainesville, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,114 $8,798
American Family $5,780 $7,514
Farmers $9,544 $9,877
GEICO $5,964 $6,357
Liberty Mutual $8,995 $9,985
Nationwide $3,555 $4,537
Progressive $7,698 $8,686
State Farm $4,943 $6,231
USAA $4,603 $5,620

Cheapest Gainesville, MO Car Insurance for Seniors

Take a look at Gainesville, 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 Gainesville, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,632 $2,716
American Family $1,882 $1,882
Farmers $2,129 $2,247
GEICO $1,550 $1,930
Liberty Mutual $2,176 $2,437
Nationwide $1,251 $1,321
Progressive $1,983 $2,038
State Farm $1,557 $1,557
USAA $1,404 $1,428

Cheapest Gainesville, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gainesville, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,066
American Family $4,258
Farmers $4,474
GEICO $3,958
Liberty Mutual $4,693
Nationwide $2,826
Progressive $3,745
State Farm $2,750
USAA $3,409

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Gainesville, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gainesville, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,215 $4,215
American Family $3,202 $3,266
Farmers $4,266 $4,266
GEICO $2,916 $3,038
Liberty Mutual $4,362 $4,362
Nationwide $2,099 $2,099
Progressive $3,901 $3,901
State Farm $2,685 $2,816
USAA $2,437 $2,620

The Best Cheap Car Insurance Companies in Gainesville, MO

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

Average Annual Car Insurance Rates by Company in Gainesville, Missouri

Insurance Company Average Annual Rates
Allstate $4,215
American Family $3,234
Farmers $4,266
GEICO $2,977
Liberty Mutual $4,362
Nationwide $2,099
Progressive $3,901
State Farm $2,750
USAA $2,529

Category Winners: Cheapest Car Insurance in Gainesville, Missouri

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

Best Annual Car Insurance Rates by Company in Gainesville, 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Gainesville, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Gainesville, Missouri

Insurance Company Low Medium High
Allstate $4,056 $4,206 $4,383
American Family $3,139 $3,336 $3,226
Farmers $4,019 $4,227 $4,550
GEICO $2,820 $2,992 $3,119
Liberty Mutual $4,137 $4,380 $4,568
Nationwide $1,970 $2,118 $2,208
Progressive $3,601 $3,907 $4,195
State Farm $2,595 $2,757 $2,898
USAA $2,414 $2,520 $2,654

What affects car insurance rates in Gainesville, Missouri?

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

Commute Time in Gainesville

The more time you spend in your car the higher the risk of an accident. The average commute length in Gainesville, MO is 19.0 minutes according to City-Data.

Traffic in Gainesville

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Gainesville, MO traffic data from INRIX ranks Gainesville as the 462nd-most congested in the world.

Compare Car Insurance Quotes in Gainesville, MO

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption