Compare Gray Summit, MO Car Insurance Rates (2021)

Car insurance in Gray Summit, MO averages $305 a month. Gray Summit, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Gray Summit car insurance rates, compare quotes from the top car insurance companies in Gray Summit, 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

  • The cheapest car insurance company in Gray Summit is USAA
  • The cheapest ZIP code in Gray Summit is 63039
  • Average car insurance rates in Gray Summit, MO after a DUI are $4,281/year

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

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

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

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

How do age, gender, and marital status affect Gray Summit, MO car insurance rates? Every Gray Summit, 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 Gray Summit, 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 $2,953 $2,843 $2,673 $2,756 $8,554 $9,285 $2,795 $2,873
American Family $2,386 $2,386 $2,127 $2,127 $6,658 $8,643 $2,386 $2,780
Farmers $2,569 $2,561 $2,286 $2,427 $10,910 $11,308 $2,933 $3,059
GEICO $2,062 $2,323 $1,606 $2,095 $6,644 $6,998 $1,866 $1,858
Liberty Mutual $2,888 $3,127 $2,374 $2,665 $10,381 $11,531 $3,036 $3,230
Nationwide $1,662 $1,691 $1,491 $1,573 $4,349 $5,544 $1,909 $2,058
Progressive $2,322 $2,144 $1,906 $1,959 $7,986 $8,974 $2,840 $2,936
State Farm $1,979 $1,979 $1,784 $1,784 $5,809 $7,299 $2,226 $2,545
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 Gray Summit, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Gray Summit, Missouri

Insurance Company Poor Fair Good
Allstate $5,991 $3,857 $3,177
American Family $4,818 $3,388 $2,853
Farmers $5,420 $4,536 $4,314
GEICO $4,397 $2,861 $2,287
Liberty Mutual $7,028 $4,303 $3,381
Nationwide $2,985 $2,474 $2,145
Progressive $4,476 $3,727 $3,447
State Farm $4,392 $2,829 $2,306
USAA $4,080 $1,912 $1,375

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

Annual Gray Summit, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,695 $4,194 $5,269 $4,209
American Family $2,741 $3,958 $4,903 $3,143
Farmers $4,097 $5,131 $5,014 $4,784
GEICO $2,437 $3,220 $4,411 $2,658
Liberty Mutual $3,549 $5,125 $5,266 $5,676
Nationwide $1,969 $2,557 $3,448 $2,165
Progressive $3,324 $4,551 $3,716 $3,943
State Farm $2,911 $3,441 $3,176 $3,176
USAA $1,960 $2,389 $3,328 $2,146

Cheapest Gray Summit, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Gray Summit, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,554 $9,285
American Family $6,658 $8,643
Farmers $10,910 $11,308
GEICO $6,644 $6,998
Liberty Mutual $10,381 $11,531
Nationwide $4,349 $5,544
Progressive $7,986 $8,974
State Farm $5,809 $7,299
USAA $4,499 $5,488

Cheapest Gray Summit, MO Car Insurance for Seniors

Take a look at Gray Summit, 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 Gray Summit, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,673 $2,756
American Family $2,127 $2,127
Farmers $2,286 $2,427
GEICO $1,606 $2,095
Liberty Mutual $2,374 $2,665
Nationwide $1,491 $1,573
Progressive $1,906 $1,959
State Farm $1,784 $1,784
USAA $1,359 $1,379

Cheapest Gray Summit, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Gray Summit, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,269
American Family $4,903
Farmers $5,014
GEICO $4,411
Liberty Mutual $5,266
Nationwide $3,448
Progressive $3,716
State Farm $3,176
USAA $3,328

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Cheapest Gray Summit, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Gray Summit, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,342 $4,342
American Family $3,650 $3,723
Farmers $4,756 $4,756
GEICO $3,124 $3,239
Liberty Mutual $4,904 $4,904
Nationwide $2,535 $2,535
Progressive $3,883 $3,883
State Farm $3,098 $3,253
USAA $2,367 $2,544

Cheapest Gray Summit, MO Car Insurance Rates by ZIP Code

Gray Summit car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Gray Summit, MO.

Annual Car Insurance Rates by ZIP Code in Gray Summit, Missouri

ZIP Code Average Annual Rates
63039 $3,023
63069 $3,025

The Best Cheap Car Insurance Companies in Gray Summit, MO

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

Average Annual Car Insurance Rates by Company in Gray Summit, Missouri

Insurance Company Average Annual Rates
Allstate $4,342
American Family $3,686
Farmers $4,756
GEICO $3,182
Liberty Mutual $4,904
Nationwide $2,535
Progressive $3,883
State Farm $3,176
USAA $2,456

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Category Winners: Cheapest Car Insurance in Gray Summit, Missouri

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

Best Annual Car Insurance Rates by Company in Gray Summit, Missouri

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

Cheapest Gray Summit, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Gray Summit, Missouri

Insurance Company Low Medium High
Allstate $4,171 $4,332 $4,522
American Family $3,565 $3,802 $3,692
Farmers $4,435 $4,708 $5,127
GEICO $2,948 $3,212 $3,384
Liberty Mutual $4,611 $4,929 $5,172
Nationwide $2,376 $2,560 $2,668
Progressive $3,502 $3,891 $4,257
State Farm $2,963 $3,186 $3,378
USAA $2,344 $2,446 $2,576

What affects car insurance rates in Gray Summit, Missouri?

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

Commute Time in Gray Summit

The more time you spend in your car the higher the risk of an accident. The average commute length in Gray Summit, MO is 25.2 minutes according to City-Data.

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Compare Car Insurance Quotes in Gray Summit, MO

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

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