Compare Lucerne, MO Car Insurance Rates (2021)

Car insurance in Lucerne, MO averages $268 a month. Lucerne, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lucerne car insurance rates, compare quotes from the top car insurance companies in Lucerne, 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 Lucerne for teen drivers is Nationwide
  • Average car insurance rates in Lucerne, MO after a DUI are $3,713/year
  • The cheapest car insurance company in Lucerne is Nationwide

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

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

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

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

How do age, gender, and marital status affect Lucerne, MO car insurance rates? Every Lucerne, 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 Lucerne, 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 $2,050 $2,050 $1,818 $1,818 $5,392 $7,044 $2,050 $2,421
Farmers $2,584 $2,574 $2,319 $2,442 $10,102 $10,436 $2,950 $3,108
GEICO $1,907 $2,104 $1,484 $1,834 $5,572 $5,914 $1,802 $1,835
Liberty Mutual $2,589 $2,810 $2,135 $2,392 $8,469 $9,402 $2,737 $2,932
Nationwide $1,397 $1,439 $1,239 $1,328 $3,413 $4,434 $1,583 $1,729
Progressive $2,123 $2,018 $1,734 $1,779 $6,277 $7,090 $2,600 $2,675
State Farm $1,651 $1,651 $1,450 $1,450 $4,407 $5,604 $1,848 $2,088
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 Lucerne, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Lucerne, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $4,026 $2,830 $2,384
Farmers $5,230 $4,336 $4,126
GEICO $3,875 $2,525 $2,020
Liberty Mutual $6,018 $3,651 $2,880
Nationwide $2,454 $2,006 $1,751
Progressive $3,823 $3,143 $2,894
State Farm $3,339 $2,285 $1,932
USAA $4,157 $1,919 $1,371

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

Annual Lucerne, 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 $2,352 $3,334 $3,979 $2,656
Farmers $3,982 $4,882 $4,780 $4,613
GEICO $2,267 $2,832 $3,697 $2,429
Liberty Mutual $3,053 $4,349 $4,504 $4,826
Nationwide $1,667 $2,086 $2,722 $1,807
Progressive $2,912 $3,734 $3,174 $3,328
State Farm $2,340 $2,697 $2,519 $2,519
USAA $2,027 $2,420 $3,284 $2,197

Cheapest Lucerne, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lucerne, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,392 $7,044
Farmers $10,102 $10,436
GEICO $5,572 $5,914
Liberty Mutual $8,469 $9,402
Nationwide $3,413 $4,434
Progressive $6,277 $7,090
State Farm $4,407 $5,604
USAA $4,426 $5,428

Cheapest Lucerne, MO Car Insurance for Seniors

Take a look at Lucerne, 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 Lucerne, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,818 $1,818
Farmers $2,319 $2,442
GEICO $1,484 $1,834
Liberty Mutual $2,135 $2,392
Nationwide $1,239 $1,328
Progressive $1,734 $1,779
State Farm $1,450 $1,450
USAA $1,378 $1,418

Cheapest Lucerne, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lucerne, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,979
Farmers $4,780
GEICO $3,697
Liberty Mutual $4,504
Nationwide $2,722
Progressive $3,174
State Farm $2,519
USAA $3,284

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Cheapest Lucerne, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lucerne, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $3,049 $3,112
Farmers $4,564 $4,564
GEICO $2,747 $2,866
Liberty Mutual $4,183 $4,183
Nationwide $2,070 $2,070
Progressive $3,287 $3,287
State Farm $2,457 $2,580
USAA $2,390 $2,574

The Best Cheap Car Insurance Companies in Lucerne, MO

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

Average Annual Car Insurance Rates by Company in Lucerne, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $3,080
Farmers $4,564
GEICO $2,806
Liberty Mutual $4,183
Nationwide $2,070
Progressive $3,287
State Farm $2,519
USAA $2,482

Category Winners: Cheapest Car Insurance in Lucerne, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Lucerne, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $3,015 $3,180 $3,046
Farmers $4,330 $4,531 $4,831
GEICO $2,652 $2,822 $2,946
Liberty Mutual $3,968 $4,202 $4,380
Nationwide $1,958 $2,087 $2,166
Progressive $3,007 $3,294 $3,560
State Farm $2,387 $2,526 $2,643
USAA $2,385 $2,474 $2,587

What affects car insurance rates in Lucerne, Missouri?

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

Traffic in Lucerne

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lucerne, MO traffic data from INRIX ranks Lucerne as the 326th-most congested in the world.

Compare Car Insurance Quotes in Lucerne, MO

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

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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