Compare Lancaster, MO Car Insurance Rates (2021)

Car insurance in Lancaster, MO averages $266 a month. Lancaster, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lancaster car insurance rates, compare quotes from the top car insurance companies in Lancaster, 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 Lancaster is Nationwide
  • The cheapest car insurance company in Lancaster for teen drivers is Nationwide
  • Average car insurance rates in Lancaster, MO after a DUI are $3,690/year

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

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

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

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

How do age, gender, and marital status affect Lancaster, MO car insurance rates? Every Lancaster, 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 Lancaster, 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 $1,942 $1,942 $1,729 $1,729 $5,296 $6,883 $1,942 $2,272
Farmers $2,273 $2,271 $2,036 $2,154 $9,086 $9,400 $2,573 $2,688
GEICO $1,907 $2,104 $1,484 $1,834 $5,572 $5,914 $1,802 $1,835
Liberty Mutual $2,595 $2,818 $2,140 $2,400 $8,514 $9,454 $2,740 $2,933
Nationwide $1,460 $1,503 $1,299 $1,390 $3,523 $4,567 $1,651 $1,801
Progressive $2,183 $2,061 $1,787 $1,834 $6,727 $7,588 $2,675 $2,748
State Farm $1,753 $1,753 $1,533 $1,533 $4,598 $5,855 $1,960 $2,214
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 Lancaster, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Lancaster, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,873 $2,728 $2,299
Farmers $4,648 $3,860 $3,673
GEICO $3,875 $2,525 $2,020
Liberty Mutual $6,041 $3,666 $2,891
Nationwide $2,551 $2,082 $1,815
Progressive $4,002 $3,304 $3,045
State Farm $3,486 $2,412 $2,052
USAA $4,157 $1,919 $1,371

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

Annual Lancaster, 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 $2,217 $3,222 $3,898 $2,530
Farmers $3,550 $4,349 $4,259 $4,083
GEICO $2,267 $2,832 $3,697 $2,429
Liberty Mutual $3,064 $4,367 $4,521 $4,846
Nationwide $1,735 $2,165 $2,818 $1,879
Progressive $3,030 $3,951 $3,325 $3,496
State Farm $2,468 $2,832 $2,650 $2,650
USAA $2,027 $2,420 $3,284 $2,197

Cheapest Lancaster, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lancaster, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,296 $6,883
Farmers $9,086 $9,400
GEICO $5,572 $5,914
Liberty Mutual $8,514 $9,454
Nationwide $3,523 $4,567
Progressive $6,727 $7,588
State Farm $4,598 $5,855
USAA $4,426 $5,428

Cheapest Lancaster, MO Car Insurance for Seniors

Take a look at Lancaster, 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 Lancaster, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,729 $1,729
Farmers $2,036 $2,154
GEICO $1,484 $1,834
Liberty Mutual $2,140 $2,400
Nationwide $1,299 $1,390
Progressive $1,787 $1,834
State Farm $1,533 $1,533
USAA $1,378 $1,418

Cheapest Lancaster, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lancaster, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,898
Farmers $4,259
GEICO $3,697
Liberty Mutual $4,521
Nationwide $2,818
Progressive $3,325
State Farm $2,650
USAA $3,284

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Cheapest Lancaster, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lancaster, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,938 $2,996
Farmers $4,060 $4,060
GEICO $2,747 $2,866
Liberty Mutual $4,199 $4,199
Nationwide $2,149 $2,149
Progressive $3,450 $3,450
State Farm $2,586 $2,714
USAA $2,390 $2,574

The Best Cheap Car Insurance Companies in Lancaster, MO

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

Average Annual Car Insurance Rates by Company in Lancaster, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $2,967
Farmers $4,060
GEICO $2,806
Liberty Mutual $4,199
Nationwide $2,149
Progressive $3,450
State Farm $2,650
USAA $2,482

Category Winners: Cheapest Car Insurance in Lancaster, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Lancaster, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,878 $3,061 $2,962
Farmers $3,798 $4,020 $4,362
GEICO $2,652 $2,822 $2,946
Liberty Mutual $3,974 $4,218 $4,407
Nationwide $2,021 $2,165 $2,261
Progressive $3,131 $3,457 $3,763
State Farm $2,522 $2,657 $2,771
USAA $2,385 $2,474 $2,587

What affects car insurance rates in Lancaster, Missouri?

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

Commute Time in Lancaster

The more time you spend in your car the higher the risk of an accident. The average commute length in Lancaster, MO is 30.8 minutes according to City-Data.

Traffic in Lancaster

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lancaster, MO traffic data from INRIX ranks Lancaster as the 297th-most congested in the world.

Compare Car Insurance Quotes in Lancaster, MO

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

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