Compare Helena, MO Car Insurance Rates (2021)

Car insurance in Helena, MO averages $270 a month. Helena, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Helena car insurance rates, compare quotes from the top car insurance companies in Helena, 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

  • Average car insurance rates in Helena, MO are $3,236/year
  • Average car insurance rates in Helena, MO after a DUI are $3,768/year
  • The cheapest car insurance company in Helena is Nationwide

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

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

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

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

How do age, gender, and marital status affect Helena, MO car insurance rates? Every Helena, 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 Helena, 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 $2,787 $2,694 $2,514 $2,592 $7,830 $8,498 $2,662 $2,746
American Family $2,086 $2,086 $1,854 $1,854 $5,582 $7,284 $2,086 $2,450
Farmers $2,335 $2,330 $2,088 $2,208 $9,447 $9,780 $2,655 $2,779
GEICO $1,951 $2,175 $1,513 $1,914 $5,992 $6,352 $1,804 $1,824
Liberty Mutual $2,717 $2,947 $2,238 $2,508 $9,049 $10,045 $2,869 $3,071
Nationwide $1,434 $1,469 $1,280 $1,361 $3,603 $4,634 $1,634 $1,772
Progressive $1,871 $1,755 $1,530 $1,574 $5,849 $6,583 $2,285 $2,334
State Farm $1,726 $1,726 $1,547 $1,547 $5,065 $6,379 $1,945 $2,227
USAA $1,523 $1,516 $1,356 $1,392 $4,422 $5,416 $1,911 $2,134

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Minimum Car Insurance in Helena, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Helena, Missouri

Insurance Company Poor Fair Good
Allstate $5,571 $3,588 $2,962
American Family $4,136 $2,902 $2,443
Farmers $4,804 $3,999 $3,805
GEICO $4,061 $2,645 $2,116
Liberty Mutual $6,370 $3,871 $3,050
Nationwide $2,538 $2,089 $1,818
Progressive $3,451 $2,847 $2,621
State Farm $3,823 $2,471 $2,018
USAA $4,127 $1,897 $1,352

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

Annual Helena, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,459 $3,906 $4,875 $3,922
American Family $2,401 $3,416 $4,106 $2,718
Farmers $3,657 $4,510 $4,414 $4,231
GEICO $2,313 $2,974 $3,972 $2,502
Liberty Mutual $3,228 $4,610 $4,769 $5,115
Nationwide $1,703 $2,166 $2,867 $1,858
Progressive $2,602 $3,414 $2,862 $3,013
State Farm $2,541 $3,000 $2,770 $2,770
USAA $1,998 $2,393 $3,276 $2,169

Cheapest Helena, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Helena, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,830 $8,498
American Family $5,582 $7,284
Farmers $9,447 $9,780
GEICO $5,992 $6,352
Liberty Mutual $9,049 $10,045
Nationwide $3,603 $4,634
Progressive $5,849 $6,583
State Farm $5,065 $6,379
USAA $4,422 $5,416

Cheapest Helena, MO Car Insurance for Seniors

Take a look at Helena, 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 Helena, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,514 $2,592
American Family $1,854 $1,854
Farmers $2,088 $2,208
GEICO $1,513 $1,914
Liberty Mutual $2,238 $2,508
Nationwide $1,280 $1,361
Progressive $1,530 $1,574
State Farm $1,547 $1,547
USAA $1,356 $1,392

Cheapest Helena, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Helena, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,875
American Family $4,106
Farmers $4,414
GEICO $3,972
Liberty Mutual $4,769
Nationwide $2,867
Progressive $2,862
State Farm $2,770
USAA $3,276

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Cheapest Helena, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Helena, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,040 $4,040
American Family $3,128 $3,192
Farmers $4,203 $4,203
GEICO $2,884 $2,997
Liberty Mutual $4,430 $4,430
Nationwide $2,149 $2,149
Progressive $2,973 $2,973
State Farm $2,702 $2,838
USAA $2,369 $2,548

The Best Cheap Car Insurance Companies in Helena, MO

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

Average Annual Car Insurance Rates by Company in Helena, Missouri

Insurance Company Average Annual Rates
Allstate $4,040
American Family $3,160
Farmers $4,203
GEICO $2,941
Liberty Mutual $4,430
Nationwide $2,149
Progressive $2,973
State Farm $2,770
USAA $2,459

Category Winners: Cheapest Car Insurance in Helena, Missouri

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

Best Annual Car Insurance Rates by Company in Helena, 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 Helena, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Helena, Missouri

Insurance Company Low Medium High
Allstate $3,900 $4,032 $4,189
American Family $3,071 $3,261 $3,149
Farmers $3,944 $4,164 $4,500
GEICO $2,764 $2,961 $3,097
Liberty Mutual $4,199 $4,451 $4,641
Nationwide $2,026 $2,167 $2,253
Progressive $2,671 $2,979 $3,267
State Farm $2,597 $2,781 $2,932
USAA $2,371 $2,452 $2,554

Compare Car Insurance Quotes in Helena, MO

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

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