Compare Lockwood, MO Car Insurance Rates (2021)

Car insurance in Lockwood, MO averages $267 a month. Lockwood, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lockwood car insurance rates, compare quotes from the top car insurance companies in Lockwood, 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 Lockwood, MO are $3,208/year
  • The cheapest car insurance company in Lockwood for teen drivers is Nationwide
  • The cheapest car insurance company in Lockwood is Nationwide

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

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

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

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

How do age, gender, and marital status affect Lockwood, MO car insurance rates? Every Lockwood, 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 Lockwood, 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 $2,725 $2,631 $2,457 $2,535 $7,673 $8,296 $2,598 $2,678
American Family $2,029 $2,029 $1,808 $1,808 $5,560 $7,219 $2,029 $2,371
Farmers $2,265 $2,256 $2,025 $2,142 $9,227 $9,537 $2,594 $2,725
GEICO $1,967 $2,198 $1,523 $1,925 $6,022 $6,405 $1,820 $1,849
Liberty Mutual $2,556 $2,771 $2,104 $2,359 $8,694 $9,653 $2,696 $2,881
Nationwide $1,463 $1,495 $1,310 $1,387 $3,749 $4,801 $1,673 $1,810
Progressive $1,991 $1,869 $1,626 $1,672 $6,224 $7,010 $2,433 $2,499
State Farm $1,736 $1,736 $1,545 $1,545 $4,901 $6,182 $1,949 $2,225
USAA $1,494 $1,480 $1,343 $1,366 $4,466 $5,454 $1,856 $2,062

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Minimum Car Insurance in Lockwood, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Lockwood, Missouri

Insurance Company Poor Fair Good
Allstate $5,448 $3,505 $2,894
American Family $4,054 $2,858 $2,408
Farmers $4,687 $3,897 $3,705
GEICO $4,093 $2,666 $2,132
Liberty Mutual $6,051 $3,687 $2,905
Nationwide $2,608 $2,154 $1,872
Progressive $3,675 $3,030 $2,792
State Farm $3,707 $2,448 $2,027
USAA $4,066 $1,895 $1,359

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

Annual Lockwood, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,377 $3,819 $4,769 $3,832
American Family $2,317 $3,366 $4,096 $2,648
Farmers $3,546 $4,398 $4,302 $4,139
GEICO $2,338 $2,993 $3,996 $2,528
Liberty Mutual $3,066 $4,390 $4,532 $4,868
Nationwide $1,737 $2,229 $2,976 $1,901
Progressive $2,767 $3,640 $3,046 $3,210
State Farm $2,514 $2,941 $2,727 $2,727
USAA $1,954 $2,373 $3,300 $2,133

Cheapest Lockwood, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lockwood, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,673 $8,296
American Family $5,560 $7,219
Farmers $9,227 $9,537
GEICO $6,022 $6,405
Liberty Mutual $8,694 $9,653
Nationwide $3,749 $4,801
Progressive $6,224 $7,010
State Farm $4,901 $6,182
USAA $4,466 $5,454

Cheapest Lockwood, MO Car Insurance for Seniors

Take a look at Lockwood, 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 Lockwood, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,457 $2,535
American Family $1,808 $1,808
Farmers $2,025 $2,142
GEICO $1,523 $1,925
Liberty Mutual $2,104 $2,359
Nationwide $1,310 $1,387
Progressive $1,626 $1,672
State Farm $1,545 $1,545
USAA $1,343 $1,366

Cheapest Lockwood, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lockwood, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,769
American Family $4,096
Farmers $4,302
GEICO $3,996
Liberty Mutual $4,532
Nationwide $2,976
Progressive $3,046
State Farm $2,727
USAA $3,300

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Cheapest Lockwood, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lockwood, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,949 $3,949
American Family $3,076 $3,137
Farmers $4,096 $4,096
GEICO $2,905 $3,022
Liberty Mutual $4,214 $4,214
Nationwide $2,211 $2,211
Progressive $3,165 $3,165
State Farm $2,662 $2,793
USAA $2,352 $2,528

The Best Cheap Car Insurance Companies in Lockwood, MO

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

Average Annual Car Insurance Rates by Company in Lockwood, Missouri

Insurance Company Average Annual Rates
Allstate $3,949
American Family $3,107
Farmers $4,096
GEICO $2,964
Liberty Mutual $4,214
Nationwide $2,211
Progressive $3,165
State Farm $2,727
USAA $2,440

Category Winners: Cheapest Car Insurance in Lockwood, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Lockwood, Missouri

Insurance Company Low Medium High
Allstate $3,790 $3,940 $4,117
American Family $3,013 $3,205 $3,102
Farmers $3,854 $4,059 $4,376
GEICO $2,793 $2,981 $3,116
Liberty Mutual $3,986 $4,234 $4,423
Nationwide $2,081 $2,231 $2,321
Progressive $2,867 $3,172 $3,458
State Farm $2,569 $2,735 $2,878
USAA $2,337 $2,431 $2,553

What affects car insurance rates in Lockwood, Missouri?

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

Commute Time in Lockwood

The more time you spend in your car the higher the risk of an accident. The average commute length in Lockwood, MO is 21.3 minutes according to City-Data.

Compare Car Insurance Quotes in Lockwood, MO

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

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