Compare Montgomery City, MO Car Insurance Rates (2021)

Car insurance in Montgomery City, MO averages $274 a month. Montgomery City, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Montgomery City car insurance rates, compare quotes from the top car insurance companies in Montgomery City, 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 Montgomery City is Nationwide
  • Average car insurance rates in Montgomery City, MO are $3,284/year
  • Average car insurance rates in Montgomery City, MO after a DUI are $3,836/year

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

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

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

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

How do age, gender, and marital status affect Montgomery City, MO car insurance rates? Every Montgomery City, 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 Montgomery City, 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 $2,977 $2,878 $2,685 $2,770 $8,386 $9,108 $2,840 $2,927
American Family $1,942 $1,942 $1,729 $1,729 $5,296 $6,883 $1,942 $2,272
Farmers $2,234 $2,228 $1,997 $2,113 $9,136 $9,451 $2,553 $2,678
GEICO $1,969 $2,196 $1,528 $1,925 $5,977 $6,355 $1,825 $1,853
Liberty Mutual $2,670 $2,893 $2,195 $2,460 $9,281 $10,305 $2,816 $3,007
Nationwide $1,527 $1,566 $1,358 $1,449 $3,830 $4,945 $1,739 $1,892
Progressive $2,078 $1,957 $1,698 $1,745 $6,432 $7,251 $2,543 $2,615
State Farm $1,644 $1,644 $1,457 $1,457 $4,589 $5,796 $1,845 $2,106
USAA $1,620 $1,602 $1,467 $1,486 $4,911 $5,994 $2,011 $2,232

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Minimum Car Insurance in Montgomery City, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Montgomery City, Missouri

Insurance Company Poor Fair Good
Allstate $5,963 $3,836 $3,164
American Family $3,873 $2,728 $2,299
Farmers $4,631 $3,852 $3,663
GEICO $4,079 $2,657 $2,125
Liberty Mutual $6,390 $3,901 $3,070
Nationwide $2,706 $2,223 $1,935
Progressive $3,821 $3,148 $2,901
State Farm $3,471 $2,310 $1,921
USAA $4,433 $2,074 $1,489

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

Annual Montgomery City, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,701 $4,184 $5,206 $4,193
American Family $2,217 $3,222 $3,898 $2,530
Farmers $3,509 $4,348 $4,253 $4,085
GEICO $2,338 $2,981 $3,971 $2,525
Liberty Mutual $3,234 $4,645 $4,788 $5,147
Nationwide $1,818 $2,307 $3,047 $1,981
Progressive $2,881 $3,775 $3,167 $3,336
State Farm $2,370 $2,764 $2,567 $2,567
USAA $2,117 $2,592 $3,627 $2,325

Cheapest Montgomery City, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Montgomery City, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,386 $9,108
American Family $5,296 $6,883
Farmers $9,136 $9,451
GEICO $5,977 $6,355
Liberty Mutual $9,281 $10,305
Nationwide $3,830 $4,945
Progressive $6,432 $7,251
State Farm $4,589 $5,796
USAA $4,911 $5,994

Cheapest Montgomery City, MO Car Insurance for Seniors

Take a look at Montgomery City, 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 Montgomery City, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,685 $2,770
American Family $1,729 $1,729
Farmers $1,997 $2,113
GEICO $1,528 $1,925
Liberty Mutual $2,195 $2,460
Nationwide $1,358 $1,449
Progressive $1,698 $1,745
State Farm $1,457 $1,457
USAA $1,467 $1,486

Cheapest Montgomery City, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Montgomery City, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,206
American Family $3,898
Farmers $4,253
GEICO $3,971
Liberty Mutual $4,788
Nationwide $3,047
Progressive $3,167
State Farm $2,567
USAA $3,627

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Cheapest Montgomery City, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Montgomery City, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,321 $4,321
American Family $2,938 $2,996
Farmers $4,049 $4,049
GEICO $2,895 $3,012
Liberty Mutual $4,453 $4,453
Nationwide $2,288 $2,288
Progressive $3,290 $3,290
State Farm $2,506 $2,628
USAA $2,571 $2,760

The Best Cheap Car Insurance Companies in Montgomery City, MO

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

Average Annual Car Insurance Rates by Company in Montgomery City, Missouri

Insurance Company Average Annual Rates
Allstate $4,321
American Family $2,967
Farmers $4,049
GEICO $2,954
Liberty Mutual $4,453
Nationwide $2,288
Progressive $3,290
State Farm $2,567
USAA $2,665

Category Winners: Cheapest Car Insurance in Montgomery City, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Montgomery City, Missouri

Insurance Company Low Medium High
Allstate $4,153 $4,312 $4,499
American Family $2,878 $3,061 $2,962
Farmers $3,798 $4,010 $4,338
GEICO $2,783 $2,970 $3,107
Liberty Mutual $4,212 $4,475 $4,673
Nationwide $2,154 $2,309 $2,402
Progressive $2,984 $3,296 $3,590
State Farm $2,429 $2,574 $2,698
USAA $2,548 $2,657 $2,791

What affects car insurance rates in Montgomery City, Missouri?

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

Commute Time in Montgomery City

The more time you spend in your car the higher the risk of an accident. The average commute length in Montgomery City, MO is 25.4 minutes according to City-Data.

Compare Car Insurance Quotes in Montgomery City, MO

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

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