Compare Kearney, MO Car Insurance Rates (2021)

Car insurance in Kearney, MO averages $281 a month. Kearney, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Kearney car insurance rates, compare quotes from the top car insurance companies in Kearney, 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 Kearney, MO after a DUI are $3,946/year
  • The cheapest car insurance company in Kearney is Nationwide
  • Average car insurance rates in Kearney, MO are $3,377/year

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

You’ll find Kearney car insurance rates, the cheapest Kearney, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Kearney, Missouri car insurance rates to St. Louis car insurance rates, Blue Springs car insurance rates, and Independence car insurance rates.

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

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

How do age, gender, and marital status affect Kearney, MO car insurance rates? Every Kearney, 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 Kearney, 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 $2,752 $2,657 $2,485 $2,562 $7,786 $8,450 $2,622 $2,703
American Family $2,177 $2,177 $1,940 $1,940 $5,997 $7,793 $2,177 $2,542
Farmers $2,361 $2,349 $2,106 $2,233 $9,792 $10,125 $2,692 $2,810
GEICO $1,840 $2,071 $1,440 $1,873 $5,877 $6,186 $1,673 $1,664
Liberty Mutual $2,914 $3,157 $2,395 $2,688 $10,282 $11,420 $3,070 $3,272
Nationwide $1,533 $1,564 $1,374 $1,453 $3,941 $5,040 $1,755 $1,897
Progressive $2,114 $1,964 $1,738 $1,782 $7,011 $7,877 $2,582 $2,646
State Farm $1,670 $1,670 $1,507 $1,507 $4,973 $6,243 $1,882 $2,160
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

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Minimum Car Insurance in Kearney, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Kearney, Missouri

Insurance Company Poor Fair Good
Allstate $5,516 $3,555 $2,935
American Family $4,368 $3,073 $2,588
Farmers $4,915 $4,105 $3,904
GEICO $3,905 $2,544 $2,035
Liberty Mutual $7,024 $4,296 $3,379
Nationwide $2,733 $2,261 $1,964
Progressive $3,994 $3,327 $3,072
State Farm $3,755 $2,401 $1,948
USAA $4,216 $1,958 $1,402

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

Annual Kearney, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,421 $3,868 $4,837 $3,883
American Family $2,497 $3,606 $4,414 $2,854
Farmers $3,722 $4,639 $4,535 $4,337
GEICO $2,174 $2,862 $3,909 $2,368
Liberty Mutual $3,553 $5,115 $5,266 $5,665
Nationwide $1,817 $2,339 $3,131 $1,991
Progressive $3,003 $4,017 $3,328 $3,509
State Farm $2,472 $2,931 $2,702 $2,702
USAA $2,036 $2,458 $3,392 $2,217

Cheapest Kearney, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Kearney, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,786 $8,450
American Family $5,997 $7,793
Farmers $9,792 $10,125
GEICO $5,877 $6,186
Liberty Mutual $10,282 $11,420
Nationwide $3,941 $5,040
Progressive $7,011 $7,877
State Farm $4,973 $6,243
USAA $4,587 $5,609

Cheapest Kearney, MO Car Insurance for Seniors

Take a look at Kearney, 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 Kearney, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,485 $2,562
American Family $1,940 $1,940
Farmers $2,106 $2,233
GEICO $1,440 $1,873
Liberty Mutual $2,395 $2,688
Nationwide $1,374 $1,453
Progressive $1,738 $1,782
State Farm $1,507 $1,507
USAA $1,391 $1,422

Cheapest Kearney, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Kearney, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,837
American Family $4,414
Farmers $4,535
GEICO $3,909
Liberty Mutual $5,266
Nationwide $3,131
Progressive $3,328
State Farm $2,702
USAA $3,392

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Cheapest Kearney, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Kearney, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,002 $4,002
American Family $3,310 $3,376
Farmers $4,308 $4,308
GEICO $2,776 $2,880
Liberty Mutual $4,900 $4,900
Nationwide $2,320 $2,320
Progressive $3,464 $3,464
State Farm $2,636 $2,767
USAA $2,433 $2,618

The Best Cheap Car Insurance Companies in Kearney, MO

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

Average Annual Car Insurance Rates by Company in Kearney, Missouri

Insurance Company Average Annual Rates
Allstate $4,002
American Family $3,343
Farmers $4,308
GEICO $2,828
Liberty Mutual $4,900
Nationwide $2,320
Progressive $3,464
State Farm $2,702
USAA $2,526

Category Winners: Cheapest Car Insurance in Kearney, Missouri

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

Best Annual Car Insurance Rates by Company in Kearney, Missouri

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

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Cheapest Kearney, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Kearney, Missouri

Insurance Company Low Medium High
Allstate $3,862 $3,994 $4,151
American Family $3,237 $3,448 $3,343
Farmers $4,038 $4,269 $4,617
GEICO $2,617 $2,854 $3,013
Liberty Mutual $4,624 $4,926 $5,150
Nationwide $2,179 $2,341 $2,438
Progressive $3,112 $3,474 $3,806
State Farm $2,522 $2,711 $2,872
USAA $2,420 $2,517 $2,640

What affects car insurance rates in Kearney, Missouri?

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

Commute Time in Kearney

The more time you spend in your car the higher the risk of an accident. The average commute length in Kearney, MO is 25.9 minutes according to City-Data.

Compare Car Insurance Quotes in Kearney, MO

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

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