Compare Polk, MO Car Insurance Rates (2021)

Car insurance in Polk, MO averages $266 a month. Polk, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Polk car insurance rates, compare quotes from the top car insurance companies in Polk, 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 Polk for teen drivers is Nationwide
  • Average car insurance rates in Polk, MO are $3,193/year
  • Average car insurance rates in Polk, MO after a DUI are $3,726/year

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

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

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

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

How do age, gender, and marital status affect Polk, MO car insurance rates? Every Polk, 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 Polk, 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 $2,666 $2,577 $2,401 $2,477 $7,459 $8,072 $2,550 $2,632
American Family $2,067 $2,067 $1,842 $1,842 $5,700 $7,399 $2,067 $2,415
Farmers $2,299 $2,291 $2,054 $2,173 $9,433 $9,761 $2,627 $2,754
GEICO $1,967 $2,198 $1,523 $1,925 $6,022 $6,405 $1,820 $1,849
Liberty Mutual $2,551 $2,766 $2,102 $2,356 $8,699 $9,659 $2,690 $2,873
Nationwide $1,458 $1,488 $1,307 $1,382 $3,741 $4,784 $1,669 $1,803
Progressive $1,934 $1,796 $1,584 $1,629 $6,351 $7,136 $2,359 $2,418
State Farm $1,684 $1,684 $1,512 $1,512 $4,927 $6,199 $1,896 $2,169
USAA $1,433 $1,425 $1,288 $1,317 $4,154 $5,080 $1,787 $1,992

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Minimum Car Insurance in Polk, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Polk, Missouri

Insurance Company Poor Fair Good
Allstate $5,313 $3,422 $2,828
American Family $4,144 $2,920 $2,460
Farmers $4,771 $3,973 $3,778
GEICO $4,093 $2,666 $2,132
Liberty Mutual $6,045 $3,686 $2,904
Nationwide $2,596 $2,148 $1,867
Progressive $3,646 $3,021 $2,786
State Farm $3,722 $2,406 $1,966
USAA $3,840 $1,796 $1,291

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

Annual Polk, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,299 $3,726 $4,651 $3,741
American Family $2,361 $3,436 $4,199 $2,703
Farmers $3,614 $4,485 $4,387 $4,210
GEICO $2,338 $2,993 $3,996 $2,528
Liberty Mutual $3,064 $4,389 $4,529 $4,865
Nationwide $1,728 $2,222 $2,972 $1,893
Progressive $2,727 $3,656 $3,024 $3,196
State Farm $2,475 $2,921 $2,698 $2,698
USAA $1,870 $2,251 $3,082 $2,035

Cheapest Polk, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Polk, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,459 $8,072
American Family $5,700 $7,399
Farmers $9,433 $9,761
GEICO $6,022 $6,405
Liberty Mutual $8,699 $9,659
Nationwide $3,741 $4,784
Progressive $6,351 $7,136
State Farm $4,927 $6,199
USAA $4,154 $5,080

Cheapest Polk, MO Car Insurance for Seniors

Take a look at Polk, 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 Polk, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,401 $2,477
American Family $1,842 $1,842
Farmers $2,054 $2,173
GEICO $1,523 $1,925
Liberty Mutual $2,102 $2,356
Nationwide $1,307 $1,382
Progressive $1,584 $1,629
State Farm $1,512 $1,512
USAA $1,288 $1,317

Cheapest Polk, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Polk, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,651
American Family $4,199
Farmers $4,387
GEICO $3,996
Liberty Mutual $4,529
Nationwide $2,972
Progressive $3,024
State Farm $2,698
USAA $3,082

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Cheapest Polk, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Polk, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,854 $3,854
American Family $3,143 $3,206
Farmers $4,174 $4,174
GEICO $2,905 $3,022
Liberty Mutual $4,212 $4,212
Nationwide $2,204 $2,204
Progressive $3,151 $3,151
State Farm $2,632 $2,764
USAA $2,224 $2,394

The Best Cheap Car Insurance Companies in Polk, MO

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

Average Annual Car Insurance Rates by Company in Polk, Missouri

Insurance Company Average Annual Rates
Allstate $3,854
American Family $3,175
Farmers $4,174
GEICO $2,964
Liberty Mutual $4,212
Nationwide $2,204
Progressive $3,151
State Farm $2,698
USAA $2,309

Category Winners: Cheapest Car Insurance in Polk, Missouri

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

Best Annual Car Insurance Rates by Company in Polk, Missouri

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

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Cheapest Polk, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Polk, Missouri

Insurance Company Low Medium High
Allstate $3,717 $3,846 $3,999
American Family $3,078 $3,275 $3,171
Farmers $3,917 $4,135 $4,471
GEICO $2,793 $2,981 $3,116
Liberty Mutual $3,981 $4,232 $4,423
Nationwide $2,066 $2,226 $2,319
Progressive $2,830 $3,158 $3,464
State Farm $2,524 $2,707 $2,863
USAA $2,204 $2,301 $2,423

Compare Car Insurance Quotes in Polk, MO

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

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