Compare Manchester, MO Car Insurance Rates (2021)

Car insurance in Manchester, MO averages $295 a month. Manchester, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Manchester car insurance rates, compare quotes from the top car insurance companies in Manchester, 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 Manchester, MO are $3,543/year
  • The cheapest car insurance company in Manchester is USAA
  • Average car insurance rates in Manchester, MO after a DUI are $4,160/year

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

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

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

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

How do age, gender, and marital status affect Manchester, MO car insurance rates? Every Manchester, 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 Manchester, 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 $2,953 $2,843 $2,673 $2,756 $8,554 $9,285 $2,795 $2,873
American Family $2,357 $2,357 $2,102 $2,102 $6,585 $8,545 $2,357 $2,744
Farmers $2,508 $2,493 $2,233 $2,370 $10,618 $10,986 $2,857 $2,971
GEICO $1,917 $2,157 $1,489 $1,952 $6,266 $6,582 $1,728 $1,711
Liberty Mutual $2,822 $3,054 $2,324 $2,611 $10,366 $11,513 $2,959 $3,134
Nationwide $1,646 $1,671 $1,480 $1,557 $4,336 $5,515 $1,894 $2,039
Progressive $2,090 $1,910 $1,725 $1,768 $7,533 $8,444 $2,552 $2,629
State Farm $1,746 $1,746 $1,590 $1,590 $5,436 $6,827 $1,976 $2,265
USAA $1,503 $1,488 $1,359 $1,379 $4,499 $5,488 $1,862 $2,065

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Minimum Car Insurance in Manchester, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Manchester, Missouri

Insurance Company Poor Fair Good
Allstate $5,991 $3,857 $3,177
American Family $4,761 $3,349 $2,820
Farmers $5,269 $4,418 $4,202
GEICO $4,110 $2,676 $2,140
Liberty Mutual $6,928 $4,264 $3,351
Nationwide $2,957 $2,461 $2,134
Progressive $4,104 $3,448 $3,193
State Farm $4,094 $2,556 $2,041
USAA $4,080 $1,912 $1,375

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

Annual Manchester, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,695 $4,194 $5,269 $4,209
American Family $2,706 $3,915 $4,848 $3,105
Farmers $3,984 $4,999 $4,884 $4,651
GEICO $2,260 $3,021 $4,150 $2,471
Liberty Mutual $3,505 $5,075 $5,200 $5,612
Nationwide $1,946 $2,540 $3,439 $2,144
Progressive $3,048 $4,222 $3,423 $3,632
State Farm $2,636 $3,158 $2,897 $2,897
USAA $1,960 $2,389 $3,328 $2,146

Cheapest Manchester, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Manchester, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,554 $9,285
American Family $6,585 $8,545
Farmers $10,618 $10,986
GEICO $6,266 $6,582
Liberty Mutual $10,366 $11,513
Nationwide $4,336 $5,515
Progressive $7,533 $8,444
State Farm $5,436 $6,827
USAA $4,499 $5,488

Cheapest Manchester, MO Car Insurance for Seniors

Take a look at Manchester, 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 Manchester, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,673 $2,756
American Family $2,102 $2,102
Farmers $2,233 $2,370
GEICO $1,489 $1,952
Liberty Mutual $2,324 $2,611
Nationwide $1,480 $1,557
Progressive $1,725 $1,768
State Farm $1,590 $1,590
USAA $1,359 $1,379

Cheapest Manchester, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Manchester, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,269
American Family $4,848
Farmers $4,884
GEICO $4,150
Liberty Mutual $5,200
Nationwide $3,439
Progressive $3,423
State Farm $2,897
USAA $3,328

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Cheapest Manchester, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Manchester, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,342 $4,342
American Family $3,608 $3,679
Farmers $4,630 $4,630
GEICO $2,924 $3,026
Liberty Mutual $4,848 $4,848
Nationwide $2,517 $2,517
Progressive $3,581 $3,581
State Farm $2,823 $2,970
USAA $2,367 $2,544

The Best Cheap Car Insurance Companies in Manchester, MO

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

Average Annual Car Insurance Rates by Company in Manchester, Missouri

Insurance Company Average Annual Rates
Allstate $4,342
American Family $3,643
Farmers $4,630
GEICO $2,975
Liberty Mutual $4,848
Nationwide $2,517
Progressive $3,581
State Farm $2,897
USAA $2,456

Category Winners: Cheapest Car Insurance in Manchester, Missouri

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

Best Annual Car Insurance Rates by Company in Manchester, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record Nationwide
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

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Cheapest Manchester, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Manchester, Missouri

Insurance Company Low Medium High
Allstate $4,171 $4,332 $4,522
American Family $3,522 $3,758 $3,651
Farmers $4,328 $4,587 $4,973
GEICO $2,752 $3,009 $3,165
Liberty Mutual $4,541 $4,878 $5,125
Nationwide $2,357 $2,544 $2,651
Progressive $3,207 $3,592 $3,946
State Farm $2,676 $2,913 $3,102
USAA $2,344 $2,446 $2,576

What affects car insurance rates in Manchester, Missouri?

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

Commute Time in Manchester

The more time you spend in your car the higher the risk of an accident. The average commute length in Manchester, MO is 24.4 minutes according to City-Data.

Traffic in Manchester

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Manchester, MO traffic data from INRIX ranks Manchester as the 184th-most congested in the world.

Compare Car Insurance Quotes in Manchester, MO

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

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