Compare Ludlow, MO Car Insurance Rates (2021)

Car insurance in Ludlow, MO averages $261 a month. Ludlow, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Ludlow car insurance rates, compare quotes from the top car insurance companies in Ludlow, MO.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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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Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Ludlow is Nationwide
  • The cheapest car insurance company in Ludlow for teen drivers is Nationwide
  • Average car insurance rates in Ludlow, MO are $3,138/year

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

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

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

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

How do age, gender, and marital status affect Ludlow, MO car insurance rates? Every Ludlow, 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 Ludlow, 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 $2,776 $2,683 $2,503 $2,581 $7,819 $8,487 $2,651 $2,735
American Family $1,942 $1,942 $1,729 $1,729 $5,296 $6,883 $1,942 $2,272
Farmers $2,249 $2,244 $2,014 $2,128 $8,965 $9,274 $2,557 $2,681
GEICO $1,859 $2,071 $1,439 $1,811 $5,651 $6,009 $1,723 $1,750
Liberty Mutual $2,622 $2,848 $2,159 $2,424 $8,589 $9,547 $2,771 $2,967
Nationwide $1,401 $1,438 $1,247 $1,330 $3,496 $4,513 $1,594 $1,734
Progressive $2,006 $1,882 $1,641 $1,685 $6,292 $7,083 $2,450 $2,516
State Farm $1,602 $1,602 $1,412 $1,412 $4,343 $5,508 $1,794 $2,034
USAA $1,508 $1,499 $1,350 $1,381 $4,430 $5,421 $1,886 $2,103

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Minimum Car Insurance in Ludlow, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Ludlow, Missouri

Insurance Company Poor Fair Good
Allstate $5,553 $3,579 $2,956
American Family $3,873 $2,728 $2,299
Farmers $4,595 $3,816 $3,631
GEICO $3,850 $2,509 $2,008
Liberty Mutual $6,100 $3,702 $2,921
Nationwide $2,476 $2,034 $1,772
Progressive $3,703 $3,060 $2,820
State Farm $3,290 $2,228 $1,873
USAA $4,091 $1,895 $1,355

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

Annual Ludlow, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,448 $3,895 $4,864 $3,910
American Family $2,217 $3,222 $3,898 $2,530
Farmers $3,502 $4,300 $4,210 $4,045
GEICO $2,206 $2,818 $3,750 $2,383
Liberty Mutual $3,098 $4,409 $4,566 $4,891
Nationwide $1,668 $2,111 $2,782 $1,816
Progressive $2,795 $3,671 $3,075 $3,237
State Farm $2,284 $2,644 $2,464 $2,464
USAA $1,976 $2,382 $3,279 $2,152

Cheapest Ludlow, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ludlow, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,819 $8,487
American Family $5,296 $6,883
Farmers $8,965 $9,274
GEICO $5,651 $6,009
Liberty Mutual $8,589 $9,547
Nationwide $3,496 $4,513
Progressive $6,292 $7,083
State Farm $4,343 $5,508
USAA $4,430 $5,421

Cheapest Ludlow, MO Car Insurance for Seniors

Take a look at Ludlow, 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 Ludlow, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,503 $2,581
American Family $1,729 $1,729
Farmers $2,014 $2,128
GEICO $1,439 $1,811
Liberty Mutual $2,159 $2,424
Nationwide $1,247 $1,330
Progressive $1,641 $1,685
State Farm $1,412 $1,412
USAA $1,350 $1,381

Cheapest Ludlow, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ludlow, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,864
American Family $3,898
Farmers $4,210
GEICO $3,750
Liberty Mutual $4,566
Nationwide $2,782
Progressive $3,075
State Farm $2,464
USAA $3,279

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Cheapest Ludlow, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ludlow, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,029 $4,029
American Family $2,938 $2,996
Farmers $4,014 $4,014
GEICO $2,735 $2,844
Liberty Mutual $4,241 $4,241
Nationwide $2,094 $2,094
Progressive $3,194 $3,194
State Farm $2,404 $2,523
USAA $2,358 $2,536

The Best Cheap Car Insurance Companies in Ludlow, MO

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

Average Annual Car Insurance Rates by Company in Ludlow, Missouri

Insurance Company Average Annual Rates
Allstate $4,029
American Family $2,967
Farmers $4,014
GEICO $2,789
Liberty Mutual $4,241
Nationwide $2,094
Progressive $3,194
State Farm $2,464
USAA $2,447

Category Winners: Cheapest Car Insurance in Ludlow, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Ludlow, Missouri

Insurance Company Low Medium High
Allstate $3,892 $4,021 $4,174
American Family $2,878 $3,061 $2,962
Farmers $3,774 $3,978 $4,290
GEICO $2,633 $2,805 $2,929
Liberty Mutual $4,011 $4,259 $4,453
Nationwide $1,979 $2,111 $2,192
Progressive $2,897 $3,202 $3,484
State Farm $2,332 $2,470 $2,588
USAA $2,351 $2,439 $2,551

What affects car insurance rates in Ludlow, Missouri?

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

Commute Time in Ludlow

The more time you spend in your car the higher the risk of an accident. The average commute length in Ludlow, MO is 28.9 minutes according to City-Data.

Compare Car Insurance Quotes in Ludlow, MO

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

Free Car Insurance Comparison

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

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