Compare Lake Ozark, MO Car Insurance Rates (2021)

Car insurance in Lake Ozark, MO averages $272 a month. Lake Ozark, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lake Ozark car insurance rates, compare quotes from the top car insurance companies in Lake Ozark, MO.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Lake Ozark for teen drivers is Nationwide
  • Average car insurance rates in Lake Ozark, MO after a DUI are $3,814/year
  • The cheapest car insurance company in Lake Ozark is Nationwide

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

You’ll find Lake Ozark car insurance rates, the cheapest Lake Ozark, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Lake Ozark, Missouri car insurance rates to Springfield car insurance rates, Kansas City car insurance rates, and St. Joseph car insurance rates.

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

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

How do age, gender, and marital status affect Lake Ozark, MO car insurance rates? Every Lake Ozark, 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 Ozark, 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 $2,716 $2,637 $2,437 $2,515 $7,369 $7,979 $2,618 $2,710
American Family $2,214 $2,214 $1,969 $1,969 $5,982 $7,798 $2,214 $2,598
Farmers $2,386 $2,374 $2,129 $2,257 $9,903 $10,242 $2,715 $2,829
GEICO $1,729 $1,940 $1,347 $1,728 $5,421 $5,738 $1,582 $1,590
Liberty Mutual $2,622 $2,841 $2,157 $2,417 $9,119 $10,125 $2,765 $2,952
Nationwide $1,443 $1,476 $1,289 $1,368 $3,681 $4,723 $1,649 $1,785
Progressive $1,991 $1,852 $1,630 $1,677 $6,508 $7,317 $2,431 $2,494
State Farm $1,684 $1,684 $1,509 $1,509 $4,825 $6,090 $1,893 $2,150
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Lake Ozark, MO

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

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

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

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

Insurance Company Poor Fair Good
Allstate $5,341 $3,435 $2,842
American Family $4,409 $3,095 $2,606
Farmers $4,966 $4,150 $3,947
GEICO $3,635 $2,370 $1,898
Liberty Mutual $6,278 $3,832 $3,015
Nationwide $2,569 $2,119 $1,843
Progressive $3,747 $3,103 $2,862
State Farm $3,650 $2,388 $1,966
USAA $4,567 $2,109 $1,505

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

Annual Lake Ozark, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,338 $3,753 $4,637 $3,763
American Family $2,549 $3,631 $4,405 $2,894
Farmers $3,764 $4,690 $4,585 $4,379
GEICO $2,046 $2,666 $3,603 $2,222
Liberty Mutual $3,176 $4,563 $4,703 $5,057
Nationwide $1,715 $2,195 $2,923 $1,875
Progressive $2,804 $3,754 $3,108 $3,284
State Farm $2,454 $2,882 $2,668 $2,668
USAA $2,179 $2,649 $3,694 $2,385

Cheapest Lake Ozark, MO Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,369 $7,979
American Family $5,982 $7,798
Farmers $9,903 $10,242
GEICO $5,421 $5,738
Liberty Mutual $9,119 $10,125
Nationwide $3,681 $4,723
Progressive $6,508 $7,317
State Farm $4,825 $6,090
USAA $5,002 $6,115

Cheapest Lake Ozark, MO Car Insurance for Seniors

Take a look at Lake Ozark, 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 Ozark, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,437 $2,515
American Family $1,969 $1,969
Farmers $2,129 $2,257
GEICO $1,347 $1,728
Liberty Mutual $2,157 $2,417
Nationwide $1,289 $1,368
Progressive $1,630 $1,677
State Farm $1,509 $1,509
USAA $1,491 $1,518

Cheapest Lake Ozark, MO Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,637
American Family $4,405
Farmers $4,585
GEICO $3,603
Liberty Mutual $4,703
Nationwide $2,923
Progressive $3,108
State Farm $2,668
USAA $3,694

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Lake Ozark, MO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lake Ozark, 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 Ozark, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,873 $3,873
American Family $3,336 $3,404
Farmers $4,355 $4,355
GEICO $2,585 $2,683
Liberty Mutual $4,375 $4,375
Nationwide $2,177 $2,177
Progressive $3,237 $3,237
State Farm $2,602 $2,734
USAA $2,630 $2,824

The Best Cheap Car Insurance Companies in Lake Ozark, MO

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

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

Insurance Company Average Annual Rates
Allstate $3,873
American Family $3,370
Farmers $4,355
GEICO $2,634
Liberty Mutual $4,375
Nationwide $2,177
Progressive $3,237
State Farm $2,668
USAA $2,727

Category Winners: Cheapest Car Insurance in Lake Ozark, Missouri

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

Best Annual Car Insurance Rates by Company in Lake Ozark, 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Lake Ozark, MO Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,735 $3,865 $4,018
American Family $3,275 $3,477 $3,357
Farmers $4,077 $4,315 $4,672
GEICO $2,462 $2,653 $2,788
Liberty Mutual $4,136 $4,395 $4,593
Nationwide $2,051 $2,197 $2,282
Progressive $2,909 $3,244 $3,559
State Farm $2,489 $2,677 $2,838
USAA $2,627 $2,720 $2,834

What affects car insurance rates in Lake Ozark, Missouri?

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

Commute Time in Lake Ozark

The more time you spend in your car the higher the risk of an accident. The average commute length in Lake Ozark, MO is 22.1 minutes according to City-Data.

Compare Car Insurance Quotes in Lake Ozark, MO

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption