Compare Otterville, MO Car Insurance Rates (2021)

Car insurance in Otterville, MO averages $258 a month. Otterville, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Otterville car insurance rates, compare quotes from the top car insurance companies in Otterville, 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

  • Average car insurance rates in Otterville, MO are $3,101/year
  • The cheapest car insurance company in Otterville for teen drivers is Nationwide
  • The cheapest car insurance company in Otterville is Nationwide

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

You’ll find Otterville car insurance rates, the cheapest Otterville, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Otterville, Missouri car insurance rates to St. Charles car insurance rates, Blue Springs car insurance rates, and St. Joseph car insurance rates.

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

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

How do age, gender, and marital status affect Otterville, MO car insurance rates? Every Otterville, 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 Otterville, 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 $1,921 $1,921 $1,714 $1,714 $5,294 $6,871 $1,921 $2,241
Farmers $2,274 $2,265 $2,032 $2,151 $9,298 $9,615 $2,598 $2,722
GEICO $1,833 $2,043 $1,430 $1,812 $5,623 $5,945 $1,693 $1,704
Liberty Mutual $2,589 $2,806 $2,131 $2,388 $8,833 $9,806 $2,732 $2,920
Nationwide $1,377 $1,411 $1,230 $1,307 $3,461 $4,451 $1,569 $1,702
Progressive $2,000 $1,878 $1,638 $1,682 $6,262 $7,052 $2,445 $2,503
State Farm $1,604 $1,604 $1,419 $1,419 $4,417 $5,594 $1,799 $2,043
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 Otterville, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Otterville, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,849 $2,713 $2,287
Farmers $4,709 $3,920 $3,728
GEICO $3,810 $2,483 $1,987
Liberty Mutual $6,141 $3,740 $2,945
Nationwide $2,436 $2,007 $1,748
Progressive $3,689 $3,049 $2,809
State Farm $3,343 $2,243 $1,875
USAA $3,514 $1,642 $1,180

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

Annual Otterville, 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 $2,190 $3,206 $3,895 $2,508
Farmers $3,568 $4,425 $4,329 $4,155
GEICO $2,169 $2,792 $3,735 $2,346
Liberty Mutual $3,109 $4,454 $4,598 $4,940
Nationwide $1,636 $2,080 $2,754 $1,784
Progressive $2,787 $3,654 $3,065 $3,224
State Farm $2,301 $2,674 $2,487 $2,487
USAA $1,712 $2,058 $2,816 $1,863

Cheapest Otterville, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Otterville, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,294 $6,871
Farmers $9,298 $9,615
GEICO $5,623 $5,945
Liberty Mutual $8,833 $9,806
Nationwide $3,461 $4,451
Progressive $6,262 $7,052
State Farm $4,417 $5,594
USAA $3,787 $4,626

Cheapest Otterville, MO Car Insurance for Seniors

Take a look at Otterville, 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 Otterville, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,714 $1,714
Farmers $2,032 $2,151
GEICO $1,430 $1,812
Liberty Mutual $2,131 $2,388
Nationwide $1,230 $1,307
Progressive $1,638 $1,682
State Farm $1,419 $1,419
USAA $1,186 $1,211

Cheapest Otterville, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Otterville, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,895
Farmers $4,329
GEICO $3,735
Liberty Mutual $4,598
Nationwide $2,754
Progressive $3,065
State Farm $2,487
USAA $2,816

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Cheapest Otterville, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Otterville, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,921 $2,979
Farmers $4,119 $4,119
GEICO $2,707 $2,813
Liberty Mutual $4,275 $4,275
Nationwide $2,063 $2,063
Progressive $3,182 $3,182
State Farm $2,427 $2,548
USAA $2,036 $2,188

The Best Cheap Car Insurance Companies in Otterville, MO

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

Average Annual Car Insurance Rates by Company in Otterville, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $2,950
Farmers $4,119
GEICO $2,760
Liberty Mutual $4,275
Nationwide $2,063
Progressive $3,182
State Farm $2,487
USAA $2,112

Category Winners: Cheapest Car Insurance in Otterville, Missouri

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

Best Annual Car Insurance Rates by Company in Otterville, Missouri

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

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Cheapest Otterville, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Otterville, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,854 $3,043 $2,953
Farmers $3,868 $4,081 $4,408
GEICO $2,585 $2,780 $2,916
Liberty Mutual $4,047 $4,295 $4,485
Nationwide $1,946 $2,082 $2,163
Progressive $2,871 $3,190 $3,487
State Farm $2,350 $2,495 $2,617
USAA $2,021 $2,105 $2,210

What affects car insurance rates in Otterville, Missouri?

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

Commute Time in Otterville

The more time you spend in your car the higher the risk of an accident. The average commute length in Otterville, MO is 25.6 minutes according to City-Data.

Compare Car Insurance Quotes in Otterville, MO

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

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