Compare Lake Lotawana, MO Car Insurance Rates (2021)

Car insurance in Lake Lotawana, MO averages $274 a month. Lake Lotawana, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lake Lotawana car insurance rates, compare quotes from the top car insurance companies in Lake Lotawana, 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 Lake Lotawana for teen drivers is Nationwide
  • The cheapest car insurance company in Lake Lotawana is Nationwide
  • Average car insurance rates in Lake Lotawana, MO after a DUI are $3,852/year

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

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

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

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

How do age, gender, and marital status affect Lake Lotawana, MO car insurance rates? Every Lake Lotawana, 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 Lake Lotawana, 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 $2,810 $2,711 $2,541 $2,620 $8,000 $8,675 $2,671 $2,749
American Family $2,130 $2,130 $1,899 $1,899 $5,879 $7,635 $2,130 $2,485
Farmers $2,234 $2,221 $1,989 $2,114 $9,447 $9,765 $2,547 $2,649
GEICO $1,846 $2,076 $1,431 $1,857 $5,929 $6,259 $1,673 $1,671
Liberty Mutual $2,683 $2,905 $2,213 $2,481 $9,501 $10,545 $2,819 $2,996
Nationwide $1,406 $1,431 $1,266 $1,333 $3,600 $4,582 $1,608 $1,732
Progressive $2,043 $1,874 $1,679 $1,729 $6,972 $7,806 $2,483 $2,511
State Farm $1,682 $1,682 $1,527 $1,527 $5,121 $6,433 $1,899 $2,173
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 Lake Lotawana, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Lake Lotawana, Missouri

Insurance Company Poor Fair Good
Allstate $5,652 $3,638 $3,001
American Family $4,276 $3,008 $2,535
Farmers $4,695 $3,930 $3,737
GEICO $3,925 $2,557 $2,046
Liberty Mutual $6,467 $3,966 $3,121
Nationwide $2,494 $2,069 $1,797
Progressive $3,910 $3,253 $2,999
State Farm $3,863 $2,440 $1,963
USAA $4,216 $1,958 $1,402

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

Annual Lake Lotawana, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,498 $3,961 $4,955 $3,974
American Family $2,440 $3,536 $4,326 $2,791
Farmers $3,546 $4,447 $4,345 $4,144
GEICO $2,180 $2,881 $3,932 $2,378
Liberty Mutual $3,275 $4,719 $4,852 $5,225
Nationwide $1,658 $2,138 $2,865 $1,818
Progressive $2,917 $3,951 $3,248 $3,433
State Farm $2,514 $2,997 $2,755 $2,755
USAA $2,036 $2,458 $3,392 $2,217

Cheapest Lake Lotawana, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lake Lotawana, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,000 $8,675
American Family $5,879 $7,635
Farmers $9,447 $9,765
GEICO $5,929 $6,259
Liberty Mutual $9,501 $10,545
Nationwide $3,600 $4,582
Progressive $6,972 $7,806
State Farm $5,121 $6,433
USAA $4,587 $5,609

Cheapest Lake Lotawana, MO Car Insurance for Seniors

Take a look at Lake Lotawana, 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 Lake Lotawana, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,541 $2,620
American Family $1,899 $1,899
Farmers $1,989 $2,114
GEICO $1,431 $1,857
Liberty Mutual $2,213 $2,481
Nationwide $1,266 $1,333
Progressive $1,679 $1,729
State Farm $1,527 $1,527
USAA $1,391 $1,422

Cheapest Lake Lotawana, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lake Lotawana, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,955
American Family $4,326
Farmers $4,345
GEICO $3,932
Liberty Mutual $4,852
Nationwide $2,865
Progressive $3,248
State Farm $2,755
USAA $3,392

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Cheapest Lake Lotawana, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lake Lotawana, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,097 $4,097
American Family $3,241 $3,305
Farmers $4,121 $4,121
GEICO $2,792 $2,893
Liberty Mutual $4,518 $4,518
Nationwide $2,120 $2,120
Progressive $3,387 $3,387
State Farm $2,686 $2,824
USAA $2,433 $2,618

The Best Cheap Car Insurance Companies in Lake Lotawana, MO

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

Average Annual Car Insurance Rates by Company in Lake Lotawana, Missouri

Insurance Company Average Annual Rates
Allstate $4,097
American Family $3,273
Farmers $4,121
GEICO $2,843
Liberty Mutual $4,518
Nationwide $2,120
Progressive $3,387
State Farm $2,755
USAA $2,526

Category Winners: Cheapest Car Insurance in Lake Lotawana, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Lake Lotawana, Missouri

Insurance Company Low Medium High
Allstate $3,934 $4,088 $4,269
American Family $3,167 $3,376 $3,277
Farmers $3,848 $4,081 $4,432
GEICO $2,648 $2,869 $3,011
Liberty Mutual $4,253 $4,544 $4,756
Nationwide $1,987 $2,139 $2,233
Progressive $2,980 $3,398 $3,784
State Farm $2,550 $2,768 $2,948
USAA $2,420 $2,517 $2,640

What affects car insurance rates in Lake Lotawana, Missouri?

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

Commute Time in Lake Lotawana

The more time you spend in your car the higher the risk of an accident. The average commute length in Lake Lotawana, MO is 29.8 minutes according to City-Data.

Compare Car Insurance Quotes in Lake Lotawana, MO

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