Compare Ladue, MO Car Insurance Rates (2021)

Car insurance in Ladue, MO averages $314 a month. Ladue, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Ladue car insurance rates, compare quotes from the top car insurance companies in Ladue, 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 Ladue is Nationwide
  • Average car insurance rates in Ladue, MO after a DUI are $4,427/year
  • The cheapest car insurance company in Ladue for teen drivers is Nationwide

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

You’ll find Ladue car insurance rates, the cheapest Ladue, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Ladue, Missouri car insurance rates to Florissant car insurance rates, St. Joseph car insurance rates, and Lee’s Summit car insurance rates.

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

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

How do age, gender, and marital status affect Ladue, MO car insurance rates? Every Ladue, 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 Ladue, 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 $3,594 $3,467 $3,240 $3,343 $10,344 $11,243 $3,418 $3,522
American Family $2,415 $2,415 $2,154 $2,154 $6,772 $8,788 $2,415 $2,813
Farmers $2,716 $2,700 $2,415 $2,567 $11,594 $12,001 $3,089 $3,204
GEICO $1,966 $2,203 $1,532 $1,998 $6,360 $6,664 $1,781 $1,760
Liberty Mutual $2,947 $3,193 $2,426 $2,726 $10,440 $11,600 $3,097 $3,290
Nationwide $1,655 $1,684 $1,487 $1,567 $4,293 $5,472 $1,899 $2,047
Progressive $2,083 $1,904 $1,722 $1,763 $7,520 $8,426 $2,543 $2,617
State Farm $1,858 $1,858 $1,690 $1,690 $5,816 $7,287 $2,103 $2,426
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

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Minimum Car Insurance in Ladue, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Ladue, Missouri

Insurance Company Poor Fair Good
Allstate $7,291 $4,676 $3,846
American Family $4,890 $3,438 $2,895
Farmers $5,726 $4,808 $4,573
GEICO $4,190 $2,728 $2,181
Liberty Mutual $7,108 $4,357 $3,429
Nationwide $2,957 $2,453 $2,129
Progressive $4,090 $3,440 $3,187
State Farm $4,378 $2,724 $2,170
USAA $4,567 $2,109 $1,505

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

Annual Ladue, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,494 $5,093 $6,386 $5,112
American Family $2,775 $4,015 $4,986 $3,187
Farmers $4,331 $5,443 $5,317 $5,052
GEICO $2,315 $3,079 $4,212 $2,526
Liberty Mutual $3,601 $5,187 $5,332 $5,739
Nationwide $1,956 $2,535 $3,412 $2,149
Progressive $3,044 $4,208 $3,416 $3,621
State Farm $2,810 $3,371 $3,091 $3,091
USAA $2,179 $2,649 $3,694 $2,385

Cheapest Ladue, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ladue, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,344 $11,243
American Family $6,772 $8,788
Farmers $11,594 $12,001
GEICO $6,360 $6,664
Liberty Mutual $10,440 $11,600
Nationwide $4,293 $5,472
Progressive $7,520 $8,426
State Farm $5,816 $7,287
USAA $5,002 $6,115

Cheapest Ladue, MO Car Insurance for Seniors

Take a look at Ladue, 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 Ladue, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,240 $3,343
American Family $2,154 $2,154
Farmers $2,415 $2,567
GEICO $1,532 $1,998
Liberty Mutual $2,426 $2,726
Nationwide $1,487 $1,567
Progressive $1,722 $1,763
State Farm $1,690 $1,690
USAA $1,491 $1,518

Cheapest Ladue, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ladue, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,386
American Family $4,986
Farmers $5,317
GEICO $4,212
Liberty Mutual $5,332
Nationwide $3,412
Progressive $3,416
State Farm $3,091
USAA $3,694

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Cheapest Ladue, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ladue, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,271 $5,271
American Family $3,704 $3,778
Farmers $5,036 $5,036
GEICO $2,980 $3,086
Liberty Mutual $4,965 $4,965
Nationwide $2,513 $2,513
Progressive $3,572 $3,572
State Farm $3,014 $3,168
USAA $2,630 $2,824

The Best Cheap Car Insurance Companies in Ladue, MO

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

Average Annual Car Insurance Rates by Company in Ladue, Missouri

Insurance Company Average Annual Rates
Allstate $5,271
American Family $3,741
Farmers $5,036
GEICO $3,033
Liberty Mutual $4,965
Nationwide $2,513
Progressive $3,572
State Farm $3,091
USAA $2,727

Category Winners: Cheapest Car Insurance in Ladue, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Ladue, Missouri

Insurance Company Low Medium High
Allstate $5,081 $5,260 $5,473
American Family $3,617 $3,858 $3,748
Farmers $4,695 $4,988 $5,424
GEICO $2,802 $3,068 $3,229
Liberty Mutual $4,662 $4,995 $5,238
Nationwide $2,352 $2,538 $2,650
Progressive $3,200 $3,584 $3,933
State Farm $2,872 $3,107 $3,294
USAA $2,627 $2,720 $2,834

What affects car insurance rates in Ladue, Missouri?

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

Commute Time in Ladue

The more time you spend in your car the higher the risk of an accident. The average commute length in Ladue, MO is 17.7 minutes according to City-Data.

Compare Car Insurance Quotes in Ladue, MO

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

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