Compare Monticello, MO Car Insurance Rates (2021)

Car insurance in Monticello, MO averages $263 a month. Monticello, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Monticello car insurance rates, compare quotes from the top car insurance companies in Monticello, 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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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 Monticello for teen drivers is Nationwide
  • Average car insurance rates in Monticello, MO are $3,162/year
  • Average car insurance rates in Monticello, MO after a DUI are $3,662/year

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

You’ll find Monticello car insurance rates, the cheapest Monticello, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Monticello, Missouri car insurance rates to Columbia car insurance rates, St. Joseph car insurance rates, and Springfield car insurance rates.

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

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

How do age, gender, and marital status affect Monticello, MO car insurance rates? Every Monticello, 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 Monticello, 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 $1,983 $1,983 $1,765 $1,765 $5,364 $6,979 $1,983 $2,323
Farmers $2,462 $2,464 $2,206 $2,328 $9,799 $10,163 $2,794 $2,931
GEICO $1,907 $2,104 $1,484 $1,834 $5,572 $5,914 $1,802 $1,835
Liberty Mutual $2,564 $2,783 $2,115 $2,372 $8,469 $9,405 $2,706 $2,894
Nationwide $1,460 $1,503 $1,299 $1,390 $3,523 $4,567 $1,651 $1,801
Progressive $1,868 $1,748 $1,527 $1,571 $5,889 $6,624 $2,279 $2,332
State Farm $1,657 $1,657 $1,449 $1,449 $4,330 $5,517 $1,852 $2,090
USAA $1,545 $1,541 $1,378 $1,418 $4,426 $5,428 $1,944 $2,178

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Minimum Car Insurance in Monticello, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Monticello, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,941 $2,775 $2,338
Farmers $5,028 $4,177 $3,976
GEICO $3,875 $2,525 $2,020
Liberty Mutual $5,984 $3,637 $2,869
Nationwide $2,551 $2,082 $1,815
Progressive $3,458 $2,854 $2,628
State Farm $3,284 $2,277 $1,939
USAA $4,157 $1,919 $1,371

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

Annual Monticello, 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 $2,268 $3,273 $3,949 $2,581
Farmers $3,844 $4,703 $4,606 $4,421
GEICO $2,267 $2,832 $3,697 $2,429
Liberty Mutual $3,038 $4,331 $4,480 $4,804
Nationwide $1,735 $2,165 $2,818 $1,879
Progressive $2,602 $3,429 $2,867 $3,021
State Farm $2,329 $2,671 $2,500 $2,500
USAA $2,027 $2,420 $3,284 $2,197

Cheapest Monticello, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Monticello, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,364 $6,979
Farmers $9,799 $10,163
GEICO $5,572 $5,914
Liberty Mutual $8,469 $9,405
Nationwide $3,523 $4,567
Progressive $5,889 $6,624
State Farm $4,330 $5,517
USAA $4,426 $5,428

Cheapest Monticello, MO Car Insurance for Seniors

Take a look at Monticello, 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 Monticello, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,765 $1,765
Farmers $2,206 $2,328
GEICO $1,484 $1,834
Liberty Mutual $2,115 $2,372
Nationwide $1,299 $1,390
Progressive $1,527 $1,571
State Farm $1,449 $1,449
USAA $1,378 $1,418

Cheapest Monticello, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Monticello, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,949
Farmers $4,606
GEICO $3,697
Liberty Mutual $4,480
Nationwide $2,818
Progressive $2,867
State Farm $2,500
USAA $3,284

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Cheapest Monticello, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Monticello, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,988 $3,048
Farmers $4,393 $4,393
GEICO $2,747 $2,866
Liberty Mutual $4,163 $4,163
Nationwide $2,149 $2,149
Progressive $2,980 $2,980
State Farm $2,440 $2,561
USAA $2,390 $2,574

The Best Cheap Car Insurance Companies in Monticello, MO

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

Average Annual Car Insurance Rates by Company in Monticello, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $3,018
Farmers $4,393
GEICO $2,806
Liberty Mutual $4,163
Nationwide $2,149
Progressive $2,980
State Farm $2,500
USAA $2,482

Category Winners: Cheapest Car Insurance in Monticello, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Monticello, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,930 $3,114 $3,010
Farmers $4,123 $4,352 $4,706
GEICO $2,652 $2,822 $2,946
Liberty Mutual $3,937 $4,183 $4,370
Nationwide $2,021 $2,165 $2,261
Progressive $2,684 $2,987 $3,269
State Farm $2,378 $2,506 $2,615
USAA $2,385 $2,474 $2,587

What affects car insurance rates in Monticello, Missouri?

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

Commute Time in Monticello

The more time you spend in your car the higher the risk of an accident. The average commute length in Monticello, MO is 29.7 minutes according to City-Data.

Compare Car Insurance Quotes in Monticello, MO

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

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