Compare Harrisburg, MO Car Insurance Rates (2021)

Car insurance in Harrisburg, MO averages $265 a month. Harrisburg, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Harrisburg car insurance rates, compare quotes from the top car insurance companies in Harrisburg, 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 Harrisburg is Nationwide
  • The cheapest car insurance company in Harrisburg for teen drivers is Nationwide
  • Average car insurance rates in Harrisburg, MO after a DUI are $3,709/year

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

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

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

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

How do age, gender, and marital status affect Harrisburg, MO car insurance rates? Every Harrisburg, 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 Harrisburg, 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 $2,034 $2,034 $1,813 $1,813 $5,611 $7,283 $2,034 $2,375
Farmers $2,222 $2,212 $1,986 $2,104 $9,048 $9,347 $2,528 $2,639
GEICO $1,889 $2,102 $1,459 $1,852 $5,865 $6,203 $1,738 $1,750
Liberty Mutual $2,467 $2,673 $2,035 $2,282 $8,533 $9,474 $2,595 $2,765
Nationwide $1,517 $1,555 $1,353 $1,440 $3,796 $4,893 $1,729 $1,878
Progressive $1,943 $1,802 $1,593 $1,637 $6,424 $7,212 $2,368 $2,433
State Farm $1,523 $1,523 $1,375 $1,375 $4,594 $5,774 $1,720 $1,973
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 Harrisburg, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Harrisburg, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $4,077 $2,874 $2,422
Farmers $4,582 $3,818 $3,632
GEICO $3,945 $2,570 $2,056
Liberty Mutual $5,885 $3,594 $2,830
Nationwide $2,682 $2,207 $1,922
Progressive $3,672 $3,047 $2,811
State Farm $3,463 $2,203 $1,780
USAA $4,340 $1,994 $1,421

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

Annual Harrisburg, 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 $2,322 $3,384 $4,133 $2,659
Farmers $3,480 $4,310 $4,216 $4,038
GEICO $2,232 $2,898 $3,879 $2,419
Liberty Mutual $2,980 $4,279 $4,408 $4,743
Nationwide $1,803 $2,288 $3,025 $1,965
Progressive $2,748 $3,689 $3,048 $3,221
State Farm $2,268 $2,696 $2,482 $2,482
USAA $2,105 $2,518 $3,432 $2,285

Cheapest Harrisburg, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Harrisburg, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,611 $7,283
Farmers $9,048 $9,347
GEICO $5,865 $6,203
Liberty Mutual $8,533 $9,474
Nationwide $3,796 $4,893
Progressive $6,424 $7,212
State Farm $4,594 $5,774
USAA $4,629 $5,676

Cheapest Harrisburg, MO Car Insurance for Seniors

Take a look at Harrisburg, 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 Harrisburg, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,813 $1,813
Farmers $1,986 $2,104
GEICO $1,459 $1,852
Liberty Mutual $2,035 $2,282
Nationwide $1,353 $1,440
Progressive $1,593 $1,637
State Farm $1,375 $1,375
USAA $1,429 $1,469

Cheapest Harrisburg, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Harrisburg, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $4,133
Farmers $4,216
GEICO $3,879
Liberty Mutual $4,408
Nationwide $3,025
Progressive $3,048
State Farm $2,482
USAA $3,432

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Cheapest Harrisburg, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Harrisburg, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $3,094 $3,155
Farmers $4,011 $4,011
GEICO $2,805 $2,909
Liberty Mutual $4,103 $4,103
Nationwide $2,270 $2,270
Progressive $3,176 $3,176
State Farm $2,421 $2,543
USAA $2,491 $2,680

The Best Cheap Car Insurance Companies in Harrisburg, MO

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

Average Annual Car Insurance Rates by Company in Harrisburg, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $3,124
Farmers $4,011
GEICO $2,857
Liberty Mutual $4,103
Nationwide $2,270
Progressive $3,176
State Farm $2,482
USAA $2,585

Category Winners: Cheapest Car Insurance in Harrisburg, Missouri

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

Best Annual Car Insurance Rates by Company in Harrisburg, Missouri

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

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Cheapest Harrisburg, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Harrisburg, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $3,028 $3,223 $3,122
Farmers $3,764 $3,975 $4,294
GEICO $2,684 $2,881 $3,006
Liberty Mutual $3,863 $4,122 $4,322
Nationwide $2,132 $2,291 $2,387
Progressive $2,866 $3,185 $3,478
State Farm $2,314 $2,493 $2,639
USAA $2,491 $2,578 $2,686

What affects car insurance rates in Harrisburg, Missouri?

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

Commute Time in Harrisburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Harrisburg, MO is 29.8 minutes according to City-Data.

Traffic in Harrisburg

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Harrisburg, MO traffic data from INRIX ranks Harrisburg as the 361st-most congested in the world.

Compare Car Insurance Quotes in Harrisburg, MO

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

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