Compare Philadelphia, MO Car Insurance Rates (2021)

Car insurance in Philadelphia, MO averages $265 a month. Philadelphia, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Philadelphia car insurance rates, compare quotes from the top car insurance companies in Philadelphia, 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 Philadelphia for teen drivers is Nationwide
  • Average car insurance rates in Philadelphia, MO are $3,182/year
  • Average car insurance rates in Philadelphia, MO after a DUI are $3,690/year

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

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

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

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

How do age, gender, and marital status affect Philadelphia, MO car insurance rates? Every Philadelphia, 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 Philadelphia, 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 $1,999 $1,999 $1,779 $1,779 $5,395 $7,027 $1,999 $2,345
Farmers $2,542 $2,536 $2,280 $2,402 $9,990 $10,336 $2,900 $3,055
GEICO $1,907 $2,104 $1,484 $1,834 $5,572 $5,914 $1,802 $1,835
Liberty Mutual $2,622 $2,844 $2,160 $2,420 $8,811 $9,781 $2,768 $2,962
Nationwide $1,319 $1,352 $1,178 $1,253 $3,266 $4,204 $1,499 $1,626
Progressive $1,879 $1,760 $1,534 $1,579 $5,896 $6,632 $2,292 $2,354
State Farm $1,640 $1,640 $1,444 $1,444 $4,450 $5,647 $1,837 $2,083
USAA $1,568 $1,555 $1,412 $1,439 $4,644 $5,677 $1,954 $2,176

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Minimum Car Insurance in Philadelphia, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Philadelphia, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,973 $2,794 $2,354
Farmers $5,162 $4,281 $4,073
GEICO $3,875 $2,525 $2,020
Liberty Mutual $6,175 $3,755 $2,958
Nationwide $2,316 $1,907 $1,663
Progressive $3,473 $2,863 $2,636
State Farm $3,369 $2,282 $1,918
USAA $4,253 $1,984 $1,423

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

Annual Philadelphia, 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 $2,290 $3,296 $3,971 $2,604
Farmers $3,933 $4,819 $4,719 $4,550
GEICO $2,267 $2,832 $3,697 $2,429
Liberty Mutual $3,128 $4,472 $4,623 $4,962
Nationwide $1,564 $1,977 $2,605 $1,702
Progressive $2,612 $3,442 $2,877 $3,033
State Farm $2,339 $2,707 $2,523 $2,523
USAA $2,050 $2,486 $3,437 $2,240

Cheapest Philadelphia, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Philadelphia, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,395 $7,027
Farmers $9,990 $10,336
GEICO $5,572 $5,914
Liberty Mutual $8,811 $9,781
Nationwide $3,266 $4,204
Progressive $5,896 $6,632
State Farm $4,450 $5,647
USAA $4,644 $5,677

Cheapest Philadelphia, MO Car Insurance for Seniors

Take a look at Philadelphia, 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 Philadelphia, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,779 $1,779
Farmers $2,280 $2,402
GEICO $1,484 $1,834
Liberty Mutual $2,160 $2,420
Nationwide $1,178 $1,253
Progressive $1,534 $1,579
State Farm $1,444 $1,444
USAA $1,412 $1,439

Cheapest Philadelphia, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Philadelphia, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,971
Farmers $4,719
GEICO $3,697
Liberty Mutual $4,623
Nationwide $2,605
Progressive $2,877
State Farm $2,523
USAA $3,437

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Cheapest Philadelphia, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Philadelphia, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $3,010 $3,071
Farmers $4,505 $4,505
GEICO $2,747 $2,866
Liberty Mutual $4,296 $4,296
Nationwide $1,962 $1,962
Progressive $2,991 $2,991
State Farm $2,462 $2,584
USAA $2,461 $2,646

The Best Cheap Car Insurance Companies in Philadelphia, MO

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

Average Annual Car Insurance Rates by Company in Philadelphia, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $3,040
Farmers $4,505
GEICO $2,806
Liberty Mutual $4,296
Nationwide $1,962
Progressive $2,991
State Farm $2,523
USAA $2,553

Category Winners: Cheapest Car Insurance in Philadelphia, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Philadelphia, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,954 $3,137 $3,030
Farmers $4,262 $4,469 $4,784
GEICO $2,652 $2,822 $2,946
Liberty Mutual $4,070 $4,315 $4,503
Nationwide $1,846 $1,979 $2,061
Progressive $2,713 $2,998 $3,261
State Farm $2,389 $2,530 $2,649
USAA $2,442 $2,545 $2,673

What affects car insurance rates in Philadelphia, Missouri?

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

Traffic in Philadelphia

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Philadelphia, MO traffic data from INRIX ranks Philadelphia as the 5th-most congested in the world.

Compare Car Insurance Quotes in Philadelphia, MO

Ready to find affordable Philadelphia, Missouri car insurance today? Enter your ZIP code for fast, free Philadelphia, 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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