Compare Napoleon, MO Car Insurance Rates (2021)

Car insurance in Napoleon, MO averages $279 a month. Napoleon, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Napoleon car insurance rates, compare quotes from the top car insurance companies in Napoleon, 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 Napoleon is Nationwide
  • Average car insurance rates in Napoleon, MO are $3,353/year
  • Average car insurance rates in Napoleon, MO after a DUI are $3,920/year

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

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

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

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

How do age, gender, and marital status affect Napoleon, MO car insurance rates? Every Napoleon, 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 Napoleon, 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 $2,799 $2,700 $2,530 $2,609 $7,989 $8,664 $2,660 $2,738
American Family $2,130 $2,130 $1,899 $1,899 $5,879 $7,635 $2,130 $2,485
Farmers $2,397 $2,380 $2,135 $2,265 $10,131 $10,468 $2,752 $2,877
GEICO $1,846 $2,076 $1,431 $1,857 $5,929 $6,259 $1,673 $1,671
Liberty Mutual $2,966 $3,218 $2,434 $2,732 $10,148 $11,278 $3,133 $3,353
Nationwide $1,448 $1,477 $1,298 $1,372 $3,721 $4,756 $1,657 $1,790
Progressive $2,010 $1,846 $1,648 $1,697 $6,759 $7,566 $2,438 $2,481
State Farm $1,637 $1,637 $1,465 $1,465 $4,781 $6,026 $1,843 $2,108
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

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Minimum Car Insurance in Napoleon, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Napoleon, Missouri

Insurance Company Poor Fair Good
Allstate $5,634 $3,630 $2,994
American Family $4,276 $3,008 $2,535
Farmers $5,046 $4,220 $4,011
GEICO $3,925 $2,557 $2,046
Liberty Mutual $7,056 $4,291 $3,376
Nationwide $2,580 $2,135 $1,855
Progressive $3,822 $3,171 $2,923
State Farm $3,609 $2,339 $1,913
USAA $4,216 $1,958 $1,402

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

Annual Napoleon, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,487 $3,950 $4,944 $3,963
American Family $2,440 $3,536 $4,326 $2,791
Farmers $3,796 $4,776 $4,665 $4,466
GEICO $2,180 $2,881 $3,932 $2,378
Liberty Mutual $3,567 $5,113 $5,280 $5,671
Nationwide $1,716 $2,208 $2,955 $1,880
Progressive $2,852 $3,849 $3,170 $3,351
State Farm $2,405 $2,836 $2,620 $2,620
USAA $2,036 $2,458 $3,392 $2,217

Cheapest Napoleon, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Napoleon, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,989 $8,664
American Family $5,879 $7,635
Farmers $10,131 $10,468
GEICO $5,929 $6,259
Liberty Mutual $10,148 $11,278
Nationwide $3,721 $4,756
Progressive $6,759 $7,566
State Farm $4,781 $6,026
USAA $4,587 $5,609

Cheapest Napoleon, MO Car Insurance for Seniors

Take a look at Napoleon, 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 Napoleon, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,530 $2,609
American Family $1,899 $1,899
Farmers $2,135 $2,265
GEICO $1,431 $1,857
Liberty Mutual $2,434 $2,732
Nationwide $1,298 $1,372
Progressive $1,648 $1,697
State Farm $1,465 $1,465
USAA $1,391 $1,422

Cheapest Napoleon, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Napoleon, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,944
American Family $4,326
Farmers $4,665
GEICO $3,932
Liberty Mutual $5,280
Nationwide $2,955
Progressive $3,170
State Farm $2,620
USAA $3,392

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Cheapest Napoleon, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Napoleon, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,086 $4,086
American Family $3,241 $3,305
Farmers $4,426 $4,426
GEICO $2,792 $2,893
Liberty Mutual $4,908 $4,908
Nationwide $2,190 $2,190
Progressive $3,306 $3,306
State Farm $2,556 $2,685
USAA $2,433 $2,618

The Best Cheap Car Insurance Companies in Napoleon, MO

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

Average Annual Car Insurance Rates by Company in Napoleon, Missouri

Insurance Company Average Annual Rates
Allstate $4,086
American Family $3,273
Farmers $4,426
GEICO $2,843
Liberty Mutual $4,908
Nationwide $2,190
Progressive $3,306
State Farm $2,620
USAA $2,526

Category Winners: Cheapest Car Insurance in Napoleon, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Napoleon, Missouri

Insurance Company Low Medium High
Allstate $3,927 $4,077 $4,254
American Family $3,167 $3,376 $3,277
Farmers $4,155 $4,387 $4,735
GEICO $2,648 $2,869 $3,011
Liberty Mutual $4,643 $4,929 $5,151
Nationwide $2,057 $2,211 $2,301
Progressive $2,946 $3,317 $3,654
State Farm $2,457 $2,631 $2,773
USAA $2,420 $2,517 $2,640

What affects car insurance rates in Napoleon, Missouri?

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

Commute Time in Napoleon

The more time you spend in your car the higher the risk of an accident. The average commute length in Napoleon, MO is 36.4 minutes according to City-Data.

Compare Car Insurance Quotes in Napoleon, MO

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

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