Compare Platte City, MO Car Insurance Rates (2021)

Car insurance in Platte City, MO averages $271 a month. Platte City, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Platte City car insurance rates, compare quotes from the top car insurance companies in Platte City, 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 Platte City, MO are $3,254/year
  • The cheapest car insurance company in Platte City for teen drivers is Nationwide
  • Average car insurance rates in Platte City, MO after a DUI are $3,798/year

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

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

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

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

How do age, gender, and marital status affect Platte City, MO car insurance rates? Every Platte City, 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 Platte City, 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 $2,628 $2,540 $2,371 $2,444 $7,356 $7,982 $2,510 $2,589
American Family $2,113 $2,113 $1,882 $1,882 $5,780 $7,514 $2,113 $2,473
Farmers $2,272 $2,262 $2,030 $2,152 $9,298 $9,604 $2,584 $2,696
GEICO $1,843 $2,067 $1,429 $1,831 $5,787 $6,134 $1,684 $1,696
Liberty Mutual $2,783 $3,016 $2,292 $2,569 $9,677 $10,743 $2,932 $3,127
Nationwide $1,471 $1,502 $1,318 $1,395 $3,738 $4,782 $1,679 $1,815
Progressive $2,024 $1,883 $1,658 $1,704 $6,631 $7,452 $2,470 $2,543
State Farm $1,668 $1,668 $1,494 $1,494 $4,815 $6,060 $1,875 $2,144
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 Platte City, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Platte City, Missouri

Insurance Company Poor Fair Good
Allstate $5,237 $3,378 $2,792
American Family $4,224 $2,973 $2,505
Farmers $4,699 $3,915 $3,723
GEICO $3,878 $2,527 $2,022
Liberty Mutual $6,660 $4,067 $3,200
Nationwide $2,611 $2,155 $1,872
Progressive $3,812 $3,160 $2,915
State Farm $3,640 $2,371 $1,946
USAA $4,216 $1,958 $1,402

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

Annual Platte City, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,257 $3,677 $4,585 $3,691
American Family $2,420 $3,495 $4,258 $2,762
Farmers $3,566 $4,420 $4,324 $4,140
GEICO $2,182 $2,843 $3,841 $2,370
Liberty Mutual $3,370 $4,843 $4,990 $5,367
Nationwide $1,742 $2,231 $2,973 $1,905
Progressive $2,854 $3,823 $3,163 $3,343
State Farm $2,437 $2,868 $2,652 $2,652
USAA $2,036 $2,458 $3,392 $2,217

Cheapest Platte City, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Platte City, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,356 $7,982
American Family $5,780 $7,514
Farmers $9,298 $9,604
GEICO $5,787 $6,134
Liberty Mutual $9,677 $10,743
Nationwide $3,738 $4,782
Progressive $6,631 $7,452
State Farm $4,815 $6,060
USAA $4,587 $5,609

Cheapest Platte City, MO Car Insurance for Seniors

Take a look at Platte City, 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 Platte City, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,371 $2,444
American Family $1,882 $1,882
Farmers $2,030 $2,152
GEICO $1,429 $1,831
Liberty Mutual $2,292 $2,569
Nationwide $1,318 $1,395
Progressive $1,658 $1,704
State Farm $1,494 $1,494
USAA $1,391 $1,422

Cheapest Platte City, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Platte City, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,585
American Family $4,258
Farmers $4,324
GEICO $3,841
Liberty Mutual $4,990
Nationwide $2,973
Progressive $3,163
State Farm $2,652
USAA $3,392

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Cheapest Platte City, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Platte City, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,802 $3,802
American Family $3,202 $3,266
Farmers $4,112 $4,112
GEICO $2,757 $2,861
Liberty Mutual $4,642 $4,642
Nationwide $2,213 $2,213
Progressive $3,296 $3,296
State Farm $2,588 $2,717
USAA $2,433 $2,618

The Best Cheap Car Insurance Companies in Platte City, MO

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

Average Annual Car Insurance Rates by Company in Platte City, Missouri

Insurance Company Average Annual Rates
Allstate $3,802
American Family $3,234
Farmers $4,112
GEICO $2,809
Liberty Mutual $4,642
Nationwide $2,213
Progressive $3,296
State Farm $2,652
USAA $2,526

Category Winners: Cheapest Car Insurance in Platte City, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Platte City, Missouri

Insurance Company Low Medium High
Allstate $3,670 $3,795 $3,942
American Family $3,139 $3,336 $3,226
Farmers $3,852 $4,074 $4,411
GEICO $2,632 $2,829 $2,965
Liberty Mutual $4,383 $4,666 $4,878
Nationwide $2,081 $2,231 $2,326
Progressive $2,983 $3,304 $3,600
State Farm $2,487 $2,660 $2,810
USAA $2,420 $2,517 $2,640

What affects car insurance rates in Platte City, Missouri?

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

Commute Time in Platte City

The more time you spend in your car the higher the risk of an accident. The average commute length in Platte City, MO is 23.3 minutes according to City-Data.

Compare Car Insurance Quotes in Platte City, MO

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

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