Compare Grain Valley, MO Car Insurance Rates (2021)

Car insurance in Grain Valley, MO averages $279 a month. Grain Valley, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Grain Valley car insurance rates, compare quotes from the top car insurance companies in Grain Valley, 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 Grain Valley, MO are $3,350/year
  • The cheapest car insurance company in Grain Valley for teen drivers is Nationwide
  • The cheapest car insurance company in Grain Valley is Nationwide

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

You’ll find Grain Valley car insurance rates, the cheapest Grain Valley, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Grain Valley, Missouri car insurance rates to Kansas City car insurance rates, Blue Springs car insurance rates, and St. Louis car insurance rates.

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

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

How do age, gender, and marital status affect Grain Valley, MO car insurance rates? Every Grain Valley, 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 Grain Valley, 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 $2,810 $2,711 $2,541 $2,620 $8,000 $8,675 $2,671 $2,749
American Family $2,237 $2,237 $1,992 $1,992 $6,126 $7,973 $2,237 $2,615
Farmers $2,331 $2,315 $2,076 $2,206 $9,847 $10,170 $2,660 $2,766
GEICO $1,748 $1,966 $1,370 $1,779 $5,586 $5,878 $1,584 $1,573
Liberty Mutual $2,693 $2,916 $2,217 $2,488 $9,576 $10,638 $2,830 $3,010
Nationwide $1,559 $1,587 $1,401 $1,477 $4,021 $5,125 $1,786 $1,925
Progressive $2,068 $1,894 $1,698 $1,751 $7,100 $7,951 $2,514 $2,548
State Farm $1,697 $1,697 $1,540 $1,540 $5,157 $6,484 $1,915 $2,188
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

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Minimum Car Insurance in Grain Valley, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Grain Valley, Missouri

Insurance Company Poor Fair Good
Allstate $5,652 $3,638 $3,001
American Family $4,482 $3,147 $2,650
Farmers $4,897 $4,097 $3,895
GEICO $3,706 $2,416 $1,934
Liberty Mutual $6,512 $3,989 $3,138
Nationwide $2,780 $2,303 $1,998
Progressive $3,974 $3,303 $3,045
State Farm $3,891 $2,460 $1,980
USAA $4,216 $1,958 $1,402

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

Annual Grain Valley, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,498 $3,961 $4,955 $3,974
American Family $2,574 $3,690 $4,507 $2,934
Farmers $3,695 $4,637 $4,530 $4,324
GEICO $2,060 $2,721 $3,716 $2,245
Liberty Mutual $3,295 $4,749 $4,882 $5,258
Nationwide $1,843 $2,380 $3,195 $2,022
Progressive $2,954 $4,023 $3,297 $3,490
State Farm $2,534 $3,020 $2,777 $2,777
USAA $2,036 $2,458 $3,392 $2,217

Cheapest Grain Valley, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Grain Valley, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,000 $8,675
American Family $6,126 $7,973
Farmers $9,847 $10,170
GEICO $5,586 $5,878
Liberty Mutual $9,576 $10,638
Nationwide $4,021 $5,125
Progressive $7,100 $7,951
State Farm $5,157 $6,484
USAA $4,587 $5,609

Cheapest Grain Valley, MO Car Insurance for Seniors

Take a look at Grain Valley, 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 Grain Valley, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,541 $2,620
American Family $1,992 $1,992
Farmers $2,076 $2,206
GEICO $1,370 $1,779
Liberty Mutual $2,217 $2,488
Nationwide $1,401 $1,477
Progressive $1,698 $1,751
State Farm $1,540 $1,540
USAA $1,391 $1,422

Cheapest Grain Valley, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Grain Valley, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,955
American Family $4,507
Farmers $4,530
GEICO $3,716
Liberty Mutual $4,882
Nationwide $3,195
Progressive $3,297
State Farm $2,777
USAA $3,392

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Cheapest Grain Valley, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Grain Valley, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,097 $4,097
American Family $3,392 $3,460
Farmers $4,296 $4,296
GEICO $2,638 $2,733
Liberty Mutual $4,546 $4,546
Nationwide $2,360 $2,360
Progressive $3,441 $3,441
State Farm $2,707 $2,847
USAA $2,433 $2,618

The Best Cheap Car Insurance Companies in Grain Valley, MO

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

Average Annual Car Insurance Rates by Company in Grain Valley, Missouri

Insurance Company Average Annual Rates
Allstate $4,097
American Family $3,426
Farmers $4,296
GEICO $2,685
Liberty Mutual $4,546
Nationwide $2,360
Progressive $3,441
State Farm $2,777
USAA $2,526

Category Winners: Cheapest Car Insurance in Grain Valley, Missouri

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

Best Annual Car Insurance Rates by Company in Grain Valley, Missouri

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

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Cheapest Grain Valley, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Grain Valley, Missouri

Insurance Company Low Medium High
Allstate $3,934 $4,088 $4,269
American Family $3,319 $3,534 $3,425
Farmers $4,015 $4,256 $4,618
GEICO $2,487 $2,710 $2,859
Liberty Mutual $4,272 $4,570 $4,796
Nationwide $2,209 $2,383 $2,489
Progressive $3,030 $3,450 $3,842
State Farm $2,567 $2,790 $2,975
USAA $2,420 $2,517 $2,640

What affects car insurance rates in Grain Valley, Missouri?

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

Commute Time in Grain Valley

The more time you spend in your car the higher the risk of an accident. The average commute length in Grain Valley, MO is 29.1 minutes according to City-Data.

Compare Car Insurance Quotes in Grain Valley, MO

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

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