Compare Gerald, MO Car Insurance Rates (2021)

Car insurance in Gerald, MO averages $291 a month. Gerald, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Gerald car insurance rates, compare quotes from the top car insurance companies in Gerald, 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 Gerald, MO are $3,489/year
  • Average car insurance rates in Gerald, MO after a DUI are $4,077/year
  • The cheapest car insurance company in Gerald is Nationwide

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

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

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

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

How do age, gender, and marital status affect Gerald, MO car insurance rates? Every Gerald, 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 Gerald, 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 $3,112 $3,010 $2,802 $2,891 $8,755 $9,503 $2,974 $3,069
American Family $2,114 $2,114 $1,884 $1,884 $5,854 $7,601 $2,114 $2,465
Farmers $2,497 $2,490 $2,227 $2,356 $10,375 $10,752 $2,863 $3,008
GEICO $2,047 $2,309 $1,592 $2,061 $6,503 $6,886 $1,864 $1,872
Liberty Mutual $2,782 $3,014 $2,286 $2,563 $9,831 $10,917 $2,932 $3,130
Nationwide $1,564 $1,597 $1,399 $1,481 $4,035 $5,163 $1,790 $1,935
Progressive $2,224 $2,068 $1,823 $1,873 $7,379 $8,300 $2,720 $2,806
State Farm $1,722 $1,722 $1,546 $1,546 $5,036 $6,339 $1,938 $2,215
USAA $1,503 $1,488 $1,359 $1,379 $4,499 $5,488 $1,862 $2,065

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Minimum Car Insurance in Gerald, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Gerald, Missouri

Insurance Company Poor Fair Good
Allstate $6,234 $4,006 $3,304
American Family $4,251 $2,990 $2,519
Farmers $5,221 $4,353 $4,139
GEICO $4,342 $2,825 $2,258
Liberty Mutual $6,719 $4,102 $3,224
Nationwide $2,798 $2,309 $2,004
Progressive $4,216 $3,500 $3,232
State Farm $3,804 $2,460 $2,010
USAA $4,080 $1,912 $1,375

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

Annual Gerald, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,867 $4,370 $5,441 $4,381
American Family $2,420 $3,516 $4,307 $2,772
Farmers $3,946 $4,916 $4,807 $4,614
GEICO $2,429 $3,173 $4,323 $2,643
Liberty Mutual $3,393 $4,887 $5,032 $5,416
Nationwide $1,857 $2,391 $3,199 $2,035
Progressive $3,150 $4,245 $3,500 $3,703
State Farm $2,530 $2,986 $2,758 $2,758
USAA $1,960 $2,389 $3,328 $2,146

Cheapest Gerald, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gerald, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,755 $9,503
American Family $5,854 $7,601
Farmers $10,375 $10,752
GEICO $6,503 $6,886
Liberty Mutual $9,831 $10,917
Nationwide $4,035 $5,163
Progressive $7,379 $8,300
State Farm $5,036 $6,339
USAA $4,499 $5,488

Cheapest Gerald, MO Car Insurance for Seniors

Take a look at Gerald, 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 Gerald, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,802 $2,891
American Family $1,884 $1,884
Farmers $2,227 $2,356
GEICO $1,592 $2,061
Liberty Mutual $2,286 $2,563
Nationwide $1,399 $1,481
Progressive $1,823 $1,873
State Farm $1,546 $1,546
USAA $1,359 $1,379

Cheapest Gerald, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gerald, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,441
American Family $4,307
Farmers $4,807
GEICO $4,323
Liberty Mutual $5,032
Nationwide $3,199
Progressive $3,500
State Farm $2,758
USAA $3,328

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Cheapest Gerald, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gerald, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,515 $4,515
American Family $3,222 $3,286
Farmers $4,571 $4,571
GEICO $3,082 $3,201
Liberty Mutual $4,682 $4,682
Nationwide $2,371 $2,371
Progressive $3,649 $3,649
State Farm $2,690 $2,826
USAA $2,367 $2,544

The Best Cheap Car Insurance Companies in Gerald, MO

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

Average Annual Car Insurance Rates by Company in Gerald, Missouri

Insurance Company Average Annual Rates
Allstate $4,515
American Family $3,254
Farmers $4,571
GEICO $3,142
Liberty Mutual $4,682
Nationwide $2,371
Progressive $3,649
State Farm $2,758
USAA $2,456

Category Winners: Cheapest Car Insurance in Gerald, Missouri

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

Best Annual Car Insurance Rates by Company in Gerald, Missouri

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

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Cheapest Gerald, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Gerald, Missouri

Insurance Company Low Medium High
Allstate $4,346 $4,505 $4,692
American Family $3,147 $3,356 $3,258
Farmers $4,288 $4,527 $4,898
GEICO $2,928 $3,166 $3,331
Liberty Mutual $4,422 $4,703 $4,920
Nationwide $2,234 $2,391 $2,487
Progressive $3,299 $3,657 $3,992
State Farm $2,577 $2,768 $2,929
USAA $2,344 $2,446 $2,576

What affects car insurance rates in Gerald, Missouri?

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

Commute Time in Gerald

The more time you spend in your car the higher the risk of an accident. The average commute length in Gerald, MO is 35.8 minutes according to City-Data.

Compare Car Insurance Quotes in Gerald, MO

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

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