Compare Lexington, MO Car Insurance Rates (2021)

Car insurance in Lexington, MO averages $270 a month. Lexington, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lexington car insurance rates, compare quotes from the top car insurance companies in Lexington, 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 Lexington is Nationwide
  • The cheapest car insurance company in Lexington for teen drivers is Nationwide
  • Average car insurance rates in Lexington, MO after a DUI are $3,778/year

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

You’ll find Lexington car insurance rates, the cheapest Lexington, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Lexington, Missouri car insurance rates to St. Joseph car insurance rates, St. Louis car insurance rates, and Florissant car insurance rates.

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

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

How do age, gender, and marital status affect Lexington, MO car insurance rates? Every Lexington, 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 Lexington, 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 $2,788 $2,689 $2,520 $2,598 $7,953 $8,625 $2,649 $2,726
American Family $2,103 $2,103 $1,870 $1,870 $5,646 $7,360 $2,103 $2,468
Farmers $2,281 $2,272 $2,038 $2,157 $9,353 $9,670 $2,604 $2,726
GEICO $1,714 $1,934 $1,326 $1,709 $5,448 $5,794 $1,553 $1,567
Liberty Mutual $2,859 $3,103 $2,350 $2,640 $9,670 $10,750 $3,017 $3,226
Nationwide $1,448 $1,477 $1,298 $1,372 $3,721 $4,756 $1,657 $1,790
Progressive $1,909 $1,774 $1,563 $1,607 $6,239 $7,008 $2,327 $2,389
State Farm $1,611 $1,611 $1,442 $1,442 $4,680 $5,907 $1,813 $2,067
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 Lexington, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Lexington, Missouri

Insurance Company Poor Fair Good
Allstate $5,610 $3,614 $2,981
American Family $4,171 $2,930 $2,469
Farmers $4,728 $3,939 $3,746
GEICO $3,630 $2,367 $1,895
Liberty Mutual $6,757 $4,110 $3,238
Nationwide $2,580 $2,135 $1,855
Progressive $3,591 $2,973 $2,742
State Farm $3,533 $2,297 $1,883
USAA $4,216 $1,958 $1,402

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

Annual Lexington, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,473 $3,933 $4,922 $3,947
American Family $2,416 $3,448 $4,157 $2,740
Farmers $3,582 $4,448 $4,350 $4,172
GEICO $2,029 $2,660 $3,621 $2,212
Liberty Mutual $3,423 $4,897 $5,058 $5,429
Nationwide $1,716 $2,208 $2,955 $1,880
Progressive $2,688 $3,596 $2,978 $3,146
State Farm $2,362 $2,781 $2,571 $2,571
USAA $2,036 $2,458 $3,392 $2,217

Cheapest Lexington, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lexington, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,953 $8,625
American Family $5,646 $7,360
Farmers $9,353 $9,670
GEICO $5,448 $5,794
Liberty Mutual $9,670 $10,750
Nationwide $3,721 $4,756
Progressive $6,239 $7,008
State Farm $4,680 $5,907
USAA $4,587 $5,609

Cheapest Lexington, MO Car Insurance for Seniors

Take a look at Lexington, 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 Lexington, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,520 $2,598
American Family $1,870 $1,870
Farmers $2,038 $2,157
GEICO $1,326 $1,709
Liberty Mutual $2,350 $2,640
Nationwide $1,298 $1,372
Progressive $1,563 $1,607
State Farm $1,442 $1,442
USAA $1,391 $1,422

Cheapest Lexington, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lexington, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,922
American Family $4,157
Farmers $4,350
GEICO $3,621
Liberty Mutual $5,058
Nationwide $2,955
Progressive $2,978
State Farm $2,571
USAA $3,392

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Cheapest Lexington, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lexington, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,069 $4,069
American Family $3,158 $3,222
Farmers $4,138 $4,138
GEICO $2,583 $2,678
Liberty Mutual $4,702 $4,702
Nationwide $2,190 $2,190
Progressive $3,102 $3,102
State Farm $2,508 $2,635
USAA $2,433 $2,618

The Best Cheap Car Insurance Companies in Lexington, MO

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

Average Annual Car Insurance Rates by Company in Lexington, Missouri

Insurance Company Average Annual Rates
Allstate $4,069
American Family $3,190
Farmers $4,138
GEICO $2,631
Liberty Mutual $4,702
Nationwide $2,190
Progressive $3,102
State Farm $2,571
USAA $2,526

Category Winners: Cheapest Car Insurance in Lexington, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Lexington, Missouri

Insurance Company Low Medium High
Allstate $3,909 $4,060 $4,237
American Family $3,101 $3,291 $3,177
Farmers $3,885 $4,100 $4,428
GEICO $2,469 $2,647 $2,775
Liberty Mutual $4,437 $4,723 $4,945
Nationwide $2,057 $2,211 $2,301
Progressive $2,796 $3,110 $3,401
State Farm $2,406 $2,582 $2,727
USAA $2,420 $2,517 $2,640

What affects car insurance rates in Lexington, Missouri?

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

Commute Time in Lexington

The more time you spend in your car the higher the risk of an accident. The average commute length in Lexington, MO is 29.0 minutes according to City-Data.

Traffic in Lexington

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lexington, MO traffic data from INRIX ranks Lexington as the 968th-most congested in the world.

Compare Car Insurance Quotes in Lexington, MO

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

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