Compare Mercer, MO Car Insurance Rates (2021)

Car insurance in Mercer, MO averages $267 a month. Mercer, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Mercer car insurance rates, compare quotes from the top car insurance companies in Mercer, 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 Mercer is Nationwide
  • Average car insurance rates in Mercer, MO are $3,206/year
  • The cheapest car insurance company in Mercer for teen drivers is Nationwide

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

You’ll find Mercer car insurance rates, the cheapest Mercer, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Mercer, Missouri car insurance rates to Kansas City car insurance rates, Springfield car insurance rates, and Blue Springs car insurance rates.

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

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

How do age, gender, and marital status affect Mercer, MO car insurance rates? Every Mercer, 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 Mercer, 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 $2,401 $2,396 $2,156 $2,271 $9,331 $9,647 $2,732 $2,874
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 $2,184 $2,065 $1,785 $1,832 $6,658 $7,514 $2,675 $2,755
State Farm $1,775 $1,775 $1,540 $1,540 $4,481 $5,730 $1,980 $2,225
USAA $1,523 $1,516 $1,356 $1,392 $4,422 $5,416 $1,911 $2,134

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Minimum Car Insurance in Mercer, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Mercer, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $4,026 $2,830 $2,384
Farmers $4,845 $4,013 $3,820
GEICO $3,875 $2,525 $2,020
Liberty Mutual $6,018 $3,651 $2,880
Nationwide $2,454 $2,006 $1,751
Progressive $3,987 $3,285 $3,028
State Farm $3,403 $2,411 $2,078
USAA $4,127 $1,897 $1,352

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

Annual Mercer, 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 $3,701 $4,515 $4,423 $4,265
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 $3,019 $3,926 $3,309 $3,479
State Farm $2,463 $2,799 $2,631 $2,631
USAA $1,998 $2,393 $3,276 $2,169

Cheapest Mercer, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Mercer, 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 $9,331 $9,647
GEICO $5,572 $5,914
Liberty Mutual $8,469 $9,402
Nationwide $3,413 $4,434
Progressive $6,658 $7,514
State Farm $4,481 $5,730
USAA $4,422 $5,416

Cheapest Mercer, MO Car Insurance for Seniors

Take a look at Mercer, 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 Mercer, 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 $2,156 $2,271
GEICO $1,484 $1,834
Liberty Mutual $2,135 $2,392
Nationwide $1,239 $1,328
Progressive $1,785 $1,832
State Farm $1,540 $1,540
USAA $1,356 $1,392

Cheapest Mercer, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Mercer, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,979
Farmers $4,423
GEICO $3,697
Liberty Mutual $4,504
Nationwide $2,722
Progressive $3,309
State Farm $2,631
USAA $3,276

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Cheapest Mercer, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Mercer, 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 $4,226 $4,226
GEICO $2,747 $2,866
Liberty Mutual $4,183 $4,183
Nationwide $2,070 $2,070
Progressive $3,434 $3,434
State Farm $2,567 $2,694
USAA $2,369 $2,548

The Best Cheap Car Insurance Companies in Mercer, MO

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

Average Annual Car Insurance Rates by Company in Mercer, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $3,080
Farmers $4,226
GEICO $2,806
Liberty Mutual $4,183
Nationwide $2,070
Progressive $3,434
State Farm $2,631
USAA $2,459

Category Winners: Cheapest Car Insurance in Mercer, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Mercer, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $3,015 $3,180 $3,046
Farmers $3,997 $4,192 $4,489
GEICO $2,652 $2,822 $2,946
Liberty Mutual $3,968 $4,202 $4,380
Nationwide $1,958 $2,087 $2,166
Progressive $3,129 $3,440 $3,731
State Farm $2,516 $2,636 $2,740
USAA $2,371 $2,452 $2,554

What affects car insurance rates in Mercer, Missouri?

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

Commute Time in Mercer

The more time you spend in your car the higher the risk of an accident. The average commute length in Mercer, MO is 17.9 minutes according to City-Data.

Compare Car Insurance Quotes in Mercer, MO

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

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