Compare Miami, MO Car Insurance Rates (2021)

Car insurance in Miami, MO averages $252 a month. Miami, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Miami car insurance rates, compare quotes from the top car insurance companies in Miami, 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 Miami for teen drivers is Nationwide
  • Average car insurance rates in Miami, MO after a DUI are $3,524/year
  • The cheapest car insurance company in Miami is Nationwide

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

You’ll find Miami car insurance rates, the cheapest Miami, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Miami, Missouri car insurance rates to Independence car insurance rates, Lee’s Summit car insurance rates, and Columbia car insurance rates.

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

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

How do age, gender, and marital status affect Miami, MO car insurance rates? Every Miami, 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 Miami, 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 $1,924 $1,924 $1,712 $1,712 $5,195 $6,763 $1,924 $2,253
Farmers $2,171 $2,164 $1,941 $2,055 $8,835 $9,134 $2,474 $2,588
GEICO $1,874 $2,089 $1,453 $1,830 $5,703 $6,060 $1,737 $1,762
Liberty Mutual $2,636 $2,863 $2,175 $2,440 $8,557 $9,504 $2,784 $2,980
Nationwide $1,342 $1,371 $1,201 $1,273 $3,389 $4,342 $1,531 $1,656
Progressive $1,989 $1,865 $1,628 $1,674 $6,274 $7,067 $2,433 $2,483
State Farm $1,343 $1,343 $1,194 $1,194 $3,749 $4,740 $1,507 $1,713
USAA $1,317 $1,308 $1,186 $1,211 $3,787 $4,626 $1,637 $1,823

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Minimum Car Insurance in Miami, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Miami, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,823 $2,689 $2,265
Farmers $4,482 $3,730 $3,548
GEICO $3,884 $2,531 $2,025
Liberty Mutual $6,101 $3,703 $2,923
Nationwide $2,372 $1,960 $1,707
Progressive $3,683 $3,043 $2,803
State Farm $2,838 $1,887 $1,569
USAA $3,514 $1,642 $1,180

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

Annual Miami, 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 $2,201 $3,179 $3,821 $2,502
Farmers $3,402 $4,210 $4,118 $3,950
GEICO $2,224 $2,842 $3,785 $2,402
Liberty Mutual $3,100 $4,409 $4,568 $4,892
Nationwide $1,589 $2,030 $2,697 $1,736
Progressive $2,774 $3,655 $3,057 $3,220
State Farm $1,936 $2,259 $2,098 $2,098
USAA $1,712 $2,058 $2,816 $1,863

Cheapest Miami, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Miami, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,195 $6,763
Farmers $8,835 $9,134
GEICO $5,703 $6,060
Liberty Mutual $8,557 $9,504
Nationwide $3,389 $4,342
Progressive $6,274 $7,067
State Farm $3,749 $4,740
USAA $3,787 $4,626

Cheapest Miami, MO Car Insurance for Seniors

Take a look at Miami, 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 Miami, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,712 $1,712
Farmers $1,941 $2,055
GEICO $1,453 $1,830
Liberty Mutual $2,175 $2,440
Nationwide $1,201 $1,273
Progressive $1,628 $1,674
State Farm $1,194 $1,194
USAA $1,186 $1,211

Cheapest Miami, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Miami, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,821
Farmers $4,118
GEICO $3,785
Liberty Mutual $4,568
Nationwide $2,697
Progressive $3,057
State Farm $2,098
USAA $2,816

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Cheapest Miami, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Miami, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,897 $2,955
Farmers $3,920 $3,920
GEICO $2,758 $2,868
Liberty Mutual $4,242 $4,242
Nationwide $2,013 $2,013
Progressive $3,176 $3,176
State Farm $2,047 $2,149
USAA $2,036 $2,188

The Best Cheap Car Insurance Companies in Miami, MO

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

Average Annual Car Insurance Rates by Company in Miami, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $2,926
Farmers $3,920
GEICO $2,813
Liberty Mutual $4,242
Nationwide $2,013
Progressive $3,176
State Farm $2,098
USAA $2,112

Category Winners: Cheapest Car Insurance in Miami, Missouri

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

Best Annual Car Insurance Rates by Company in Miami, Missouri

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

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Cheapest Miami, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Miami, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,838 $3,019 $2,920
Farmers $3,677 $3,884 $4,199
GEICO $2,652 $2,830 $2,958
Liberty Mutual $4,015 $4,262 $4,450
Nationwide $1,896 $2,031 $2,112
Progressive $2,841 $3,182 $3,506
State Farm $1,973 $2,104 $2,216
USAA $2,021 $2,105 $2,210

What affects car insurance rates in Miami, Missouri?

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

Commute Time in Miami

The more time you spend in your car the higher the risk of an accident. The average commute length in Miami, MO is 23.3 minutes according to City-Data.

Traffic in Miami

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Miami, MO traffic data from INRIX ranks Miami as the 60th-most congested in the world.

Compare Car Insurance Quotes in Miami, MO

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

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