Compare Lathrop, MO Car Insurance Rates (2021)

Car insurance in Lathrop, MO averages $280 a month. Lathrop, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lathrop car insurance rates, compare quotes from the top car insurance companies in Lathrop, 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

  • Average car insurance rates in Lathrop, MO after a DUI are $3,925/year
  • Average car insurance rates in Lathrop, MO are $3,359/year
  • The cheapest car insurance company in Lathrop is Nationwide

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

You’ll find Lathrop car insurance rates, the cheapest Lathrop, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Lathrop, Missouri car insurance rates to Lee’s Summit car insurance rates, Independence car insurance rates, and Springfield car insurance rates.

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

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

How do age, gender, and marital status affect Lathrop, MO car insurance rates? Every Lathrop, 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 Lathrop, 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 $2,787 $2,694 $2,514 $2,592 $7,830 $8,498 $2,662 $2,746
American Family $2,113 $2,113 $1,882 $1,882 $5,780 $7,514 $2,113 $2,473
Farmers $2,401 $2,396 $2,149 $2,270 $9,687 $10,029 $2,737 $2,871
GEICO $1,960 $2,185 $1,519 $1,922 $6,013 $6,375 $1,813 $1,834
Liberty Mutual $2,894 $3,140 $2,378 $2,667 $9,789 $10,872 $3,059 $3,274
Nationwide $1,547 $1,584 $1,379 $1,466 $3,965 $5,097 $1,768 $1,918
Progressive $1,942 $1,814 $1,588 $1,633 $6,203 $6,977 $2,370 $2,432
State Farm $1,783 $1,783 $1,589 $1,589 $5,127 $6,464 $2,005 $2,295
USAA $1,605 $1,589 $1,448 $1,469 $4,844 $5,914 $1,995 $2,214

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Minimum Car Insurance in Lathrop, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Lathrop, Missouri

Insurance Company Poor Fair Good
Allstate $5,571 $3,588 $2,962
American Family $4,224 $2,973 $2,505
Farmers $4,937 $4,107 $3,908
GEICO $4,078 $2,656 $2,124
Liberty Mutual $6,840 $4,161 $3,277
Nationwide $2,768 $2,276 $1,978
Progressive $3,617 $2,989 $2,755
State Farm $3,872 $2,532 $2,084
USAA $4,394 $2,045 $1,465

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

Annual Lathrop, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,459 $3,906 $4,875 $3,922
American Family $2,420 $3,495 $4,258 $2,762
Farmers $3,755 $4,631 $4,532 $4,351
GEICO $2,324 $2,987 $3,986 $2,513
Liberty Mutual $3,464 $4,956 $5,122 $5,495
Nationwide $1,843 $2,360 $3,143 $2,016
Progressive $2,716 $3,601 $2,999 $3,164
State Farm $2,602 $3,057 $2,829 $2,829
USAA $2,100 $2,561 $3,578 $2,300

Cheapest Lathrop, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lathrop, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,830 $8,498
American Family $5,780 $7,514
Farmers $9,687 $10,029
GEICO $6,013 $6,375
Liberty Mutual $9,789 $10,872
Nationwide $3,965 $5,097
Progressive $6,203 $6,977
State Farm $5,127 $6,464
USAA $4,844 $5,914

Cheapest Lathrop, MO Car Insurance for Seniors

Take a look at Lathrop, 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 Lathrop, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,514 $2,592
American Family $1,882 $1,882
Farmers $2,149 $2,270
GEICO $1,519 $1,922
Liberty Mutual $2,378 $2,667
Nationwide $1,379 $1,466
Progressive $1,588 $1,633
State Farm $1,589 $1,589
USAA $1,448 $1,469

Cheapest Lathrop, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lathrop, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,875
American Family $4,258
Farmers $4,532
GEICO $3,986
Liberty Mutual $5,122
Nationwide $3,143
Progressive $2,999
State Farm $2,829
USAA $3,578

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Cheapest Lathrop, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lathrop, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,040 $4,040
American Family $3,202 $3,266
Farmers $4,317 $4,317
GEICO $2,895 $3,010
Liberty Mutual $4,759 $4,759
Nationwide $2,340 $2,340
Progressive $3,120 $3,120
State Farm $2,761 $2,898
USAA $2,541 $2,729

The Best Cheap Car Insurance Companies in Lathrop, MO

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

Average Annual Car Insurance Rates by Company in Lathrop, Missouri

Insurance Company Average Annual Rates
Allstate $4,040
American Family $3,234
Farmers $4,317
GEICO $2,953
Liberty Mutual $4,759
Nationwide $2,340
Progressive $3,120
State Farm $2,829
USAA $2,635

Category Winners: Cheapest Car Insurance in Lathrop, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Lathrop, Missouri

Insurance Company Low Medium High
Allstate $3,900 $4,032 $4,189
American Family $3,139 $3,336 $3,226
Farmers $4,060 $4,279 $4,614
GEICO $2,776 $2,973 $3,109
Liberty Mutual $4,512 $4,782 $4,983
Nationwide $2,215 $2,360 $2,447
Progressive $2,816 $3,127 $3,417
State Farm $2,666 $2,840 $2,983
USAA $2,526 $2,626 $2,752

What affects car insurance rates in Lathrop, Missouri?

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

Commute Time in Lathrop

The more time you spend in your car the higher the risk of an accident. The average commute length in Lathrop, MO is 34.8 minutes according to City-Data.

Compare Car Insurance Quotes in Lathrop, MO

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

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