Compare Lamar, MO Car Insurance Rates (2021)

Car insurance in Lamar, MO averages $261 a month. Lamar, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lamar car insurance rates, compare quotes from the top car insurance companies in Lamar, 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 Lamar is Nationwide
  • Average car insurance rates in Lamar, MO are $3,128/year
  • Average car insurance rates in Lamar, MO after a DUI are $3,658/year

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

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

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

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

How do age, gender, and marital status affect Lamar, MO car insurance rates? Every Lamar, 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 Lamar, 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 $2,855 $2,767 $2,563 $2,646 $7,835 $8,472 $2,743 $2,836
American Family $2,005 $2,005 $1,785 $1,785 $5,441 $7,082 $2,005 $2,347
Farmers $2,180 $2,173 $1,946 $2,062 $8,983 $9,295 $2,484 $2,597
GEICO $1,681 $1,897 $1,308 $1,692 $5,345 $5,668 $1,526 $1,534
Liberty Mutual $2,608 $2,830 $2,148 $2,410 $8,687 $9,650 $2,753 $2,943
Nationwide $1,415 $1,449 $1,263 $1,342 $3,561 $4,579 $1,612 $1,749
Progressive $1,950 $1,832 $1,593 $1,638 $6,061 $6,826 $2,382 $2,443
State Farm $1,576 $1,576 $1,396 $1,396 $4,370 $5,538 $1,768 $2,007
USAA $1,547 $1,532 $1,398 $1,418 $4,668 $5,698 $1,921 $2,132

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Minimum Car Insurance in Lamar, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Lamar, Missouri

Insurance Company Poor Fair Good
Allstate $5,647 $3,626 $2,996
American Family $3,995 $2,809 $2,367
Farmers $4,530 $3,775 $3,590
GEICO $3,561 $2,323 $1,860
Liberty Mutual $6,110 $3,718 $2,932
Nationwide $2,504 $2,063 $1,796
Progressive $3,589 $2,958 $2,724
State Farm $3,306 $2,210 $1,843
USAA $4,222 $1,976 $1,420

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

Annual Lamar, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,516 $3,961 $4,908 $3,972
American Family $2,297 $3,313 $4,002 $2,615
Farmers $3,435 $4,262 $4,169 $3,993
GEICO $1,990 $2,611 $3,557 $2,168
Liberty Mutual $3,102 $4,427 $4,577 $4,908
Nationwide $1,680 $2,138 $2,833 $1,833
Progressive $2,705 $3,549 $2,975 $3,133
State Farm $2,267 $2,639 $2,453 $2,453
USAA $2,023 $2,470 $3,448 $2,216

Cheapest Lamar, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lamar, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,835 $8,472
American Family $5,441 $7,082
Farmers $8,983 $9,295
GEICO $5,345 $5,668
Liberty Mutual $8,687 $9,650
Nationwide $3,561 $4,579
Progressive $6,061 $6,826
State Farm $4,370 $5,538
USAA $4,668 $5,698

Cheapest Lamar, MO Car Insurance for Seniors

Take a look at Lamar, 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 Lamar, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,563 $2,646
American Family $1,785 $1,785
Farmers $1,946 $2,062
GEICO $1,308 $1,692
Liberty Mutual $2,148 $2,410
Nationwide $1,263 $1,342
Progressive $1,593 $1,638
State Farm $1,396 $1,396
USAA $1,398 $1,418

Cheapest Lamar, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lamar, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,908
American Family $4,002
Farmers $4,169
GEICO $3,557
Liberty Mutual $4,577
Nationwide $2,833
Progressive $2,975
State Farm $2,453
USAA $3,448

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Cheapest Lamar, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lamar, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,089 $4,089
American Family $3,027 $3,087
Farmers $3,965 $3,965
GEICO $2,534 $2,629
Liberty Mutual $4,253 $4,253
Nationwide $2,121 $2,121
Progressive $3,090 $3,090
State Farm $2,393 $2,514
USAA $2,448 $2,630

The Best Cheap Car Insurance Companies in Lamar, MO

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

Average Annual Car Insurance Rates by Company in Lamar, Missouri

Insurance Company Average Annual Rates
Allstate $4,089
American Family $3,057
Farmers $3,965
GEICO $2,581
Liberty Mutual $4,253
Nationwide $2,121
Progressive $3,091
State Farm $2,453
USAA $2,539

Category Winners: Cheapest Car Insurance in Lamar, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Lamar, Missouri

Insurance Company Low Medium High
Allstate $3,930 $4,081 $4,258
American Family $2,965 $3,154 $3,052
Farmers $3,709 $3,926 $4,260
GEICO $2,411 $2,599 $2,734
Liberty Mutual $4,022 $4,274 $4,464
Nationwide $1,996 $2,141 $2,227
Progressive $2,794 $3,097 $3,380
State Farm $2,312 $2,462 $2,586
USAA $2,426 $2,530 $2,661

What affects car insurance rates in Lamar, Missouri?

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

Commute Time in Lamar

The more time you spend in your car the higher the risk of an accident. The average commute length in Lamar, MO is 20.0 minutes according to City-Data.

Compare Car Insurance Quotes in Lamar, MO

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

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