Compare Harwood, MO Car Insurance Rates (2021)

Car insurance in Harwood, MO averages $259 a month. Harwood, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Harwood car insurance rates, compare quotes from the top car insurance companies in Harwood, 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

  • The cheapest car insurance company in Harwood for teen drivers is Nationwide
  • Average car insurance rates in Harwood, MO after a DUI are $3,622/year
  • The cheapest car insurance company in Harwood is Nationwide

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

You’ll find Harwood car insurance rates, the cheapest Harwood, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Harwood, Missouri car insurance rates to Independence car insurance rates, Springfield car insurance rates, and Columbia car insurance rates.

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

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

How do age, gender, and marital status affect Harwood, MO car insurance rates? Every Harwood, 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 Harwood, 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 $2,796 $2,713 $2,507 $2,587 $7,621 $8,247 $2,695 $2,790
American Family $1,974 $1,974 $1,759 $1,759 $5,380 $6,991 $1,974 $2,311
Farmers $2,184 $2,178 $1,952 $2,067 $8,915 $9,221 $2,488 $2,603
GEICO $1,903 $2,119 $1,485 $1,869 $5,760 $6,105 $1,768 $1,787
Liberty Mutual $2,506 $2,720 $2,065 $2,316 $8,317 $9,238 $2,646 $2,831
Nationwide $1,322 $1,353 $1,182 $1,255 $3,302 $4,240 $1,504 $1,630
Progressive $2,020 $1,902 $1,652 $1,696 $6,242 $7,034 $2,470 $2,535
State Farm $1,629 $1,629 $1,445 $1,445 $4,541 $5,757 $1,828 $2,072
USAA $1,463 $1,450 $1,323 $1,344 $4,358 $5,323 $1,819 $2,023

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Minimum Car Insurance in Harwood, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Harwood, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $3,935 $2,773 $2,337
Farmers $4,517 $3,760 $3,576
GEICO $3,935 $2,563 $2,051
Liberty Mutual $5,861 $3,566 $2,813
Nationwide $2,330 $1,919 $1,672
Progressive $3,708 $3,057 $2,817
State Farm $3,435 $2,289 $1,905
USAA $3,967 $1,859 $1,337

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

Annual Harwood, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,439 $3,868 $4,790 $3,881
American Family $2,254 $3,272 $3,963 $2,573
Farmers $3,429 $4,243 $4,151 $3,981
GEICO $2,256 $2,879 $3,828 $2,435
Liberty Mutual $2,977 $4,245 $4,390 $4,707
Nationwide $1,567 $1,989 $2,630 $1,708
Progressive $2,802 $3,661 $3,076 $3,237
State Farm $2,349 $2,737 $2,543 $2,543
USAA $1,911 $2,325 $3,225 $2,091

Cheapest Harwood, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Harwood, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $5,380 $6,991
Farmers $8,915 $9,221
GEICO $5,760 $6,105
Liberty Mutual $8,317 $9,238
Nationwide $3,302 $4,240
Progressive $6,242 $7,034
State Farm $4,541 $5,757
USAA $4,358 $5,323

Cheapest Harwood, MO Car Insurance for Seniors

Take a look at Harwood, 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 Harwood, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,759 $1,759
Farmers $1,952 $2,067
GEICO $1,485 $1,869
Liberty Mutual $2,065 $2,316
Nationwide $1,182 $1,255
Progressive $1,652 $1,696
State Farm $1,445 $1,445
USAA $1,323 $1,344

Cheapest Harwood, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Harwood, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,790
American Family $3,963
Farmers $4,151
GEICO $3,828
Liberty Mutual $4,390
Nationwide $2,630
Progressive $3,076
State Farm $2,543
USAA $3,225

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Cheapest Harwood, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Harwood, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,995 $3,995
American Family $2,985 $3,045
Farmers $3,951 $3,951
GEICO $2,793 $2,906
Liberty Mutual $4,080 $4,080
Nationwide $1,974 $1,974
Progressive $3,194 $3,194
State Farm $2,480 $2,606
USAA $2,302 $2,474

The Best Cheap Car Insurance Companies in Harwood, MO

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

Average Annual Car Insurance Rates by Company in Harwood, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $3,015
Farmers $3,951
GEICO $2,850
Liberty Mutual $4,080
Nationwide $1,974
Progressive $3,194
State Farm $2,543
USAA $2,388

Category Winners: Cheapest Car Insurance in Harwood, Missouri

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

Best Annual Car Insurance Rates by Company in Harwood, 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

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Cheapest Harwood, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Harwood, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $2,927 $3,111 $3,008
Farmers $3,701 $3,913 $4,239
GEICO $2,676 $2,867 $3,005
Liberty Mutual $3,861 $4,099 $4,280
Nationwide $1,859 $1,990 $2,071
Progressive $2,896 $3,201 $3,485
State Farm $2,390 $2,553 $2,687
USAA $2,281 $2,380 $2,503

Compare Car Insurance Quotes in Harwood, MO

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

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