Compare Ozark, MO Car Insurance Rates (2021)

Car insurance in Ozark, MO averages $263 a month. Ozark, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Ozark car insurance rates, compare quotes from the top car insurance companies in Ozark, 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

  • Average car insurance rates in Ozark, MO are $3,153/year
  • Average car insurance rates in Ozark, MO after a DUI are $3,692/year
  • The cheapest car insurance company in Ozark is Nationwide

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

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

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

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

How do age, gender, and marital status affect Ozark, MO car insurance rates? Every Ozark, 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 Ozark, 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 $2,539 $2,451 $2,296 $2,367 $7,180 $7,783 $2,416 $2,487
American Family $2,145 $2,145 $1,909 $1,909 $5,862 $7,626 $2,145 $2,511
Farmers $2,212 $2,200 $1,969 $2,092 $9,392 $9,716 $2,521 $2,621
GEICO $1,662 $1,871 $1,298 $1,702 $5,397 $5,664 $1,503 $1,488
Liberty Mutual $2,497 $2,704 $2,057 $2,308 $8,837 $9,816 $2,625 $2,793
Nationwide $1,523 $1,549 $1,368 $1,441 $3,979 $5,069 $1,749 $1,885
Progressive $1,852 $1,692 $1,522 $1,566 $6,493 $7,271 $2,252 $2,303
State Farm $1,694 $1,694 $1,535 $1,535 $5,117 $6,436 $1,911 $2,182
USAA $1,440 $1,430 $1,295 $1,320 $4,246 $5,187 $1,792 $1,993

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Minimum Car Insurance in Ozark, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Ozark, Missouri

Insurance Company Poor Fair Good
Allstate $5,080 $3,280 $2,710
American Family $4,289 $3,016 $2,540
Farmers $4,659 $3,902 $3,710
GEICO $3,550 $2,316 $1,854
Liberty Mutual $6,023 $3,688 $2,903
Nationwide $2,727 $2,266 $1,967
Progressive $3,593 $2,997 $2,767
State Farm $3,862 $2,450 $1,977
USAA $3,891 $1,818 $1,306

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

Annual Ozark, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,155 $3,569 $4,456 $3,580
American Family $2,460 $3,543 $4,316 $2,806
Farmers $3,520 $4,415 $4,314 $4,111
GEICO $1,959 $2,611 $3,583 $2,139
Liberty Mutual $3,050 $4,391 $4,515 $4,863
Nationwide $1,802 $2,341 $3,157 $1,982
Progressive $2,665 $3,662 $2,984 $3,165
State Farm $2,524 $3,002 $2,763 $2,763
USAA $1,882 $2,276 $3,143 $2,051

Cheapest Ozark, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Ozark, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,180 $7,783
American Family $5,862 $7,626
Farmers $9,392 $9,716
GEICO $5,397 $5,664
Liberty Mutual $8,837 $9,816
Nationwide $3,979 $5,069
Progressive $6,493 $7,271
State Farm $5,117 $6,436
USAA $4,246 $5,187

Cheapest Ozark, MO Car Insurance for Seniors

Take a look at Ozark, 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 Ozark, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,296 $2,367
American Family $1,909 $1,909
Farmers $1,969 $2,092
GEICO $1,298 $1,702
Liberty Mutual $2,057 $2,308
Nationwide $1,368 $1,441
Progressive $1,522 $1,566
State Farm $1,535 $1,535
USAA $1,295 $1,320

Cheapest Ozark, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Ozark, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,456
American Family $4,316
Farmers $4,314
GEICO $3,583
Liberty Mutual $4,515
Nationwide $3,157
Progressive $2,984
State Farm $2,763
USAA $3,143

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Cheapest Ozark, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Ozark, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,690 $3,690
American Family $3,249 $3,314
Farmers $4,090 $4,090
GEICO $2,528 $2,618
Liberty Mutual $4,205 $4,205
Nationwide $2,320 $2,320
Progressive $3,119 $3,119
State Farm $2,693 $2,833
USAA $2,253 $2,423

The Best Cheap Car Insurance Companies in Ozark, MO

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

Average Annual Car Insurance Rates by Company in Ozark, Missouri

Insurance Company Average Annual Rates
Allstate $3,690
American Family $3,282
Farmers $4,090
GEICO $2,573
Liberty Mutual $4,205
Nationwide $2,320
Progressive $3,119
State Farm $2,763
USAA $2,338

Category Winners: Cheapest Car Insurance in Ozark, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Ozark, Missouri

Insurance Company Low Medium High
Allstate $3,546 $3,682 $3,841
American Family $3,184 $3,385 $3,275
Farmers $3,814 $4,050 $4,407
GEICO $2,374 $2,600 $2,745
Liberty Mutual $3,953 $4,226 $4,435
Nationwide $2,171 $2,346 $2,444
Progressive $2,775 $3,128 $3,454
State Farm $2,556 $2,775 $2,958
USAA $2,235 $2,329 $2,450

What affects car insurance rates in Ozark, Missouri?

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

Commute Time in Ozark

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

Compare Car Insurance Quotes in Ozark, MO

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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