Compare Ionia, MO Car Insurance Rates (2021)

Car insurance in Ionia, MO averages $270 a month. Ionia, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Ionia car insurance rates, compare quotes from the top car insurance companies in Ionia, 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 Ionia for teen drivers is Nationwide
  • Average car insurance rates in Ionia, MO are $3,245/year
  • The cheapest car insurance company in Ionia is Nationwide

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

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

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

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

How do age, gender, and marital status affect Ionia, MO car insurance rates? Every Ionia, 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 Ionia, 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 $2,480 $2,473 $2,213 $2,341 $10,277 $10,646 $2,847 $2,994
GEICO $1,783 $1,988 $1,397 $1,768 $5,431 $5,743 $1,651 $1,661
Liberty Mutual $2,558 $2,775 $2,107 $2,365 $8,647 $9,607 $2,698 $2,880
Nationwide $1,516 $1,549 $1,356 $1,437 $3,870 $4,960 $1,733 $1,876
Progressive $2,052 $1,932 $1,679 $1,724 $6,357 $7,165 $2,511 $2,575
State Farm $1,667 $1,667 $1,485 $1,485 $4,681 $5,912 $1,870 $2,126
USAA $1,579 $1,572 $1,409 $1,446 $4,580 $5,613 $1,982 $2,217

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Minimum Car Insurance in Ionia, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Ionia, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $4,077 $2,874 $2,422
Farmers $5,181 $4,316 $4,104
GEICO $3,695 $2,409 $1,929
Liberty Mutual $6,032 $3,680 $2,902
Nationwide $2,698 $2,227 $1,936
Progressive $3,771 $3,111 $2,867
State Farm $3,544 $2,346 $1,945
USAA $4,271 $1,971 $1,407

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

Annual Ionia, 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 $3,913 $4,875 $4,767 $4,581
GEICO $2,110 $2,707 $3,614 $2,280
Liberty Mutual $3,064 $4,380 $4,522 $4,853
Nationwide $1,799 $2,306 $3,075 $1,968
Progressive $2,850 $3,726 $3,130 $3,293
State Farm $2,409 $2,815 $2,612 $2,612
USAA $2,072 $2,484 $3,393 $2,250

Cheapest Ionia, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ionia, 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 $10,277 $10,646
GEICO $5,431 $5,743
Liberty Mutual $8,647 $9,607
Nationwide $3,870 $4,960
Progressive $6,357 $7,165
State Farm $4,681 $5,912
USAA $4,580 $5,613

Cheapest Ionia, MO Car Insurance for Seniors

Take a look at Ionia, 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 Ionia, 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 $2,213 $2,341
GEICO $1,397 $1,768
Liberty Mutual $2,107 $2,365
Nationwide $1,356 $1,437
Progressive $1,679 $1,724
State Farm $1,485 $1,485
USAA $1,409 $1,446

Cheapest Ionia, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ionia, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $4,133
Farmers $4,767
GEICO $3,614
Liberty Mutual $4,522
Nationwide $3,075
Progressive $3,130
State Farm $2,612
USAA $3,393

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Cheapest Ionia, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ionia, 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 $4,534 $4,534
GEICO $2,626 $2,730
Liberty Mutual $4,205 $4,205
Nationwide $2,287 $2,287
Progressive $3,249 $3,249
State Farm $2,548 $2,675
USAA $2,456 $2,643

The Best Cheap Car Insurance Companies in Ionia, MO

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

Average Annual Car Insurance Rates by Company in Ionia, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $3,124
Farmers $4,534
GEICO $2,678
Liberty Mutual $4,205
Nationwide $2,287
Progressive $3,249
State Farm $2,612
USAA $2,550

Category Winners: Cheapest Car Insurance in Ionia, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Ionia, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $3,028 $3,223 $3,122
Farmers $4,258 $4,490 $4,853
GEICO $2,505 $2,695 $2,834
Liberty Mutual $3,970 $4,226 $4,418
Nationwide $2,145 $2,310 $2,407
Progressive $2,940 $3,256 $3,552
State Farm $2,450 $2,619 $2,765
USAA $2,451 $2,542 $2,656

What affects car insurance rates in Ionia, Missouri?

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

Commute Time in Ionia

The more time you spend in your car the higher the risk of an accident. The average commute length in Ionia, MO is 30.8 minutes according to City-Data.

Compare Car Insurance Quotes in Ionia, MO

Ready to find affordable Ionia, Missouri car insurance today? Enter your ZIP code for fast, free Ionia, 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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