Compare La Plata, MO Car Insurance Rates (2021)

Car insurance in La Plata, MO averages $263 a month. La Plata, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap La Plata car insurance rates, compare quotes from the top car insurance companies in La Plata, 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

  • Average car insurance rates in La Plata, MO after a DUI are $3,651/year
  • The cheapest car insurance company in La Plata for teen drivers is Nationwide
  • The cheapest car insurance company in La Plata is Nationwide

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

You’ll find La Plata car insurance rates, the cheapest La Plata, MO car insurance companies, and information on Missouri car insurance laws. You can also compare La Plata, Missouri car insurance rates to Kansas City car insurance rates, Blue Springs car insurance rates, and Springfield car insurance rates.

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

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

How do age, gender, and marital status affect La Plata, MO car insurance rates? Every La Plata, 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 La Plata, 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 $1,999 $1,999 $1,779 $1,779 $5,395 $7,027 $1,999 $2,345
Farmers $2,272 $2,270 $2,033 $2,148 $9,131 $9,459 $2,583 $2,709
GEICO $1,785 $1,982 $1,390 $1,740 $5,343 $5,669 $1,668 $1,692
Liberty Mutual $2,573 $2,790 $2,121 $2,375 $8,641 $9,590 $2,716 $2,903
Nationwide $1,368 $1,406 $1,218 $1,300 $3,384 $4,370 $1,554 $1,691
Progressive $2,112 $1,991 $1,728 $1,774 $6,531 $7,364 $2,586 $2,653
State Farm $1,682 $1,682 $1,478 $1,478 $4,495 $5,720 $1,882 $2,124
USAA $1,545 $1,541 $1,378 $1,418 $4,426 $5,428 $1,944 $2,178

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Minimum Car Insurance in La Plata, MO

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

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

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

Annual Car Insurance Rates by Credit Score in La Plata, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,973 $2,794 $2,354
Farmers $4,663 $3,876 $3,688
GEICO $3,669 $2,392 $1,915
Liberty Mutual $6,051 $3,685 $2,905
Nationwide $2,409 $1,977 $1,723
Progressive $3,877 $3,200 $2,949
State Farm $3,406 $2,329 $1,968
USAA $4,157 $1,919 $1,371

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

Annual La Plata, 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 $2,290 $3,296 $3,971 $2,604
Farmers $3,554 $4,368 $4,276 $4,105
GEICO $2,119 $2,684 $3,549 $2,281
Liberty Mutual $3,069 $4,387 $4,534 $4,865
Nationwide $1,628 $2,052 $2,696 $1,769
Progressive $2,932 $3,830 $3,220 $3,387
State Farm $2,385 $2,750 $2,567 $2,567
USAA $2,027 $2,420 $3,284 $2,197

Cheapest La Plata, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in La Plata, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,395 $7,027
Farmers $9,131 $9,459
GEICO $5,343 $5,669
Liberty Mutual $8,641 $9,590
Nationwide $3,384 $4,370
Progressive $6,531 $7,364
State Farm $4,495 $5,720
USAA $4,426 $5,428

Cheapest La Plata, MO Car Insurance for Seniors

Take a look at La Plata, 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 La Plata, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,779 $1,779
Farmers $2,033 $2,148
GEICO $1,390 $1,740
Liberty Mutual $2,121 $2,375
Nationwide $1,218 $1,300
Progressive $1,728 $1,774
State Farm $1,478 $1,478
USAA $1,378 $1,418

Cheapest La Plata, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in La Plata, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,971
Farmers $4,276
GEICO $3,549
Liberty Mutual $4,534
Nationwide $2,696
Progressive $3,220
State Farm $2,567
USAA $3,284

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Cheapest La Plata, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in La Plata, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $3,010 $3,071
Farmers $4,075 $4,075
GEICO $2,605 $2,712
Liberty Mutual $4,214 $4,214
Nationwide $2,036 $2,036
Progressive $3,342 $3,342
State Farm $2,504 $2,630
USAA $2,390 $2,574

The Best Cheap Car Insurance Companies in La Plata, MO

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

Average Annual Car Insurance Rates by Company in La Plata, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $3,040
Farmers $4,075
GEICO $2,659
Liberty Mutual $4,214
Nationwide $2,036
Progressive $3,342
State Farm $2,567
USAA $2,482

Category Winners: Cheapest Car Insurance in La Plata, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in La Plata, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,954 $3,137 $3,030
Farmers $3,823 $4,037 $4,367
GEICO $2,504 $2,674 $2,798
Liberty Mutual $3,994 $4,234 $4,413
Nationwide $1,922 $2,053 $2,134
Progressive $3,024 $3,349 $3,654
State Farm $2,429 $2,575 $2,698
USAA $2,385 $2,474 $2,587

What affects car insurance rates in La Plata, Missouri?

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

Commute Time in La Plata

The more time you spend in your car the higher the risk of an accident. The average commute length in La Plata, MO is 16.6 minutes according to City-Data.

Compare Car Insurance Quotes in La Plata, MO

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

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