Compare Imperial, MO Car Insurance Rates (2021)

Car insurance in Imperial, MO averages $307 a month. Imperial, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Imperial car insurance rates, compare quotes from the top car insurance companies in Imperial, 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 Imperial, MO are $3,687/year
  • Average car insurance rates in Imperial, MO after a DUI are $4,315/year
  • The cheapest car insurance company in Imperial is USAA

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

You’ll find Imperial car insurance rates, the cheapest Imperial, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Imperial, Missouri car insurance rates to Kansas City car insurance rates, Lee’s Summit car insurance rates, and Columbia car insurance rates.

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

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

How do age, gender, and marital status affect Imperial, MO car insurance rates? Every Imperial, 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 Imperial, 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 $2,823 $2,719 $2,557 $2,636 $8,158 $8,854 $2,673 $2,748
American Family $2,531 $2,531 $2,256 $2,256 $7,035 $9,139 $2,531 $2,951
Farmers $2,647 $2,638 $2,353 $2,499 $11,348 $11,768 $3,017 $3,140
GEICO $1,959 $2,211 $1,528 $2,007 $6,387 $6,713 $1,767 $1,751
Liberty Mutual $3,033 $3,285 $2,494 $2,804 $11,039 $12,268 $3,183 $3,379
Nationwide $1,708 $1,739 $1,533 $1,617 $4,444 $5,666 $1,961 $2,114
Progressive $2,230 $2,050 $1,840 $1,886 $7,917 $8,891 $2,730 $2,811
State Farm $1,907 $1,907 $1,733 $1,733 $5,828 $7,326 $2,154 $2,461
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 Imperial, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Imperial, Missouri

Insurance Company Poor Fair Good
Allstate $5,717 $3,685 $3,037
American Family $5,105 $3,587 $3,020
Farmers $5,606 $4,701 $4,471
GEICO $4,201 $2,734 $2,186
Liberty Mutual $7,429 $4,553 $3,576
Nationwide $3,060 $2,535 $2,198
Progressive $4,353 $3,650 $3,380
State Farm $4,396 $2,771 $2,227
USAA $4,080 $1,912 $1,375

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

Annual Imperial, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,530 $4,005 $5,029 $4,020
American Family $2,916 $4,180 $5,183 $3,338
Farmers $4,238 $5,320 $5,198 $4,948
GEICO $2,313 $3,082 $4,239 $2,527
Liberty Mutual $3,749 $5,424 $5,566 $6,005
Nationwide $2,022 $2,620 $3,527 $2,221
Progressive $3,237 $4,462 $3,629 $3,849
State Farm $2,856 $3,407 $3,131 $3,131
USAA $1,960 $2,389 $3,328 $2,146

Cheapest Imperial, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Imperial, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,158 $8,854
American Family $7,035 $9,139
Farmers $11,348 $11,768
GEICO $6,387 $6,713
Liberty Mutual $11,039 $12,268
Nationwide $4,444 $5,666
Progressive $7,917 $8,891
State Farm $5,828 $7,326
USAA $4,499 $5,488

Cheapest Imperial, MO Car Insurance for Seniors

Take a look at Imperial, 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 Imperial, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,557 $2,636
American Family $2,256 $2,256
Farmers $2,353 $2,499
GEICO $1,528 $2,007
Liberty Mutual $2,494 $2,804
Nationwide $1,533 $1,617
Progressive $1,840 $1,886
State Farm $1,733 $1,733
USAA $1,359 $1,379

Cheapest Imperial, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Imperial, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,029
American Family $5,183
Farmers $5,198
GEICO $4,239
Liberty Mutual $5,566
Nationwide $3,527
Progressive $3,629
State Farm $3,131
USAA $3,328

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Cheapest Imperial, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Imperial, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,146 $4,146
American Family $3,866 $3,942
Farmers $4,926 $4,926
GEICO $2,986 $3,094
Liberty Mutual $5,186 $5,186
Nationwide $2,598 $2,598
Progressive $3,794 $3,794
State Farm $3,052 $3,210
USAA $2,367 $2,544

The Best Cheap Car Insurance Companies in Imperial, MO

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

Average Annual Car Insurance Rates by Company in Imperial, Missouri

Insurance Company Average Annual Rates
Allstate $4,146
American Family $3,904
Farmers $4,926
GEICO $3,040
Liberty Mutual $5,186
Nationwide $2,598
Progressive $3,794
State Farm $3,131
USAA $2,456

Category Winners: Cheapest Car Insurance in Imperial, Missouri

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

Best Annual Car Insurance Rates by Company in Imperial, Missouri

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

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Cheapest Imperial, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Imperial, Missouri

Insurance Company Low Medium High
Allstate $3,983 $4,137 $4,318
American Family $3,779 $4,026 $3,906
Farmers $4,583 $4,874 $5,321
GEICO $2,807 $3,072 $3,242
Liberty Mutual $4,855 $5,214 $5,488
Nationwide $2,432 $2,623 $2,739
Progressive $3,390 $3,802 $4,191
State Farm $2,891 $3,147 $3,356
USAA $2,344 $2,446 $2,576

What affects car insurance rates in Imperial, Missouri?

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

Commute Time in Imperial

The more time you spend in your car the higher the risk of an accident. The average commute length in Imperial, MO is 31.5 minutes according to City-Data.

Compare Car Insurance Quotes in Imperial, MO

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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