Compare Saginaw, MO Car Insurance Rates (2021)

Car insurance in Saginaw, MO averages $274 a month. Saginaw, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Saginaw car insurance rates, compare quotes from the top car insurance companies in Saginaw, 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 Saginaw, MO are $3,289/year
  • The cheapest car insurance company in Saginaw for teen drivers is Nationwide
  • The cheapest car insurance company in Saginaw is Nationwide

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

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

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

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

How do age, gender, and marital status affect Saginaw, MO car insurance rates? Every Saginaw, 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 Saginaw, 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 $2,822 $2,736 $2,532 $2,613 $7,715 $8,346 $2,716 $2,810
American Family $2,183 $2,183 $1,946 $1,946 $6,062 $7,874 $2,183 $2,545
Farmers $2,441 $2,430 $2,173 $2,305 $10,321 $10,689 $2,795 $2,922
GEICO $1,780 $2,007 $1,385 $1,807 $5,725 $6,039 $1,616 $1,613
Liberty Mutual $2,541 $2,754 $2,092 $2,346 $8,733 $9,700 $2,677 $2,859
Nationwide $1,457 $1,487 $1,306 $1,381 $3,720 $4,759 $1,665 $1,800
Progressive $1,928 $1,794 $1,582 $1,626 $6,296 $7,075 $2,354 $2,397
State Farm $1,684 $1,684 $1,512 $1,512 $4,927 $6,199 $1,896 $2,169
USAA $1,641 $1,624 $1,481 $1,502 $4,991 $6,094 $2,038 $2,263

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Minimum Car Insurance in Saginaw, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Saginaw, Missouri

Insurance Company Poor Fair Good
Allstate $5,571 $3,579 $2,959
American Family $4,400 $3,092 $2,604
Farmers $5,141 $4,300 $4,088
GEICO $3,791 $2,471 $1,977
Liberty Mutual $6,049 $3,687 $2,903
Nationwide $2,589 $2,141 $1,861
Progressive $3,620 $3,005 $2,770
State Farm $3,722 $2,406 $1,966
USAA $4,495 $2,106 $1,513

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

Annual Saginaw, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,473 $3,909 $4,842 $3,921
American Family $2,505 $3,630 $4,458 $2,868
Farmers $3,879 $4,863 $4,752 $4,544
GEICO $2,107 $2,780 $3,803 $2,297
Liberty Mutual $3,062 $4,391 $4,529 $4,869
Nationwide $1,725 $2,215 $2,958 $1,889
Progressive $2,720 $3,622 $3,010 $3,173
State Farm $2,475 $2,921 $2,698 $2,698
USAA $2,150 $2,630 $3,681 $2,356

Cheapest Saginaw, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Saginaw, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,715 $8,346
American Family $6,062 $7,874
Farmers $10,321 $10,689
GEICO $5,725 $6,039
Liberty Mutual $8,733 $9,700
Nationwide $3,720 $4,759
Progressive $6,296 $7,075
State Farm $4,927 $6,199
USAA $4,991 $6,094

Cheapest Saginaw, MO Car Insurance for Seniors

Take a look at Saginaw, 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 Saginaw, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,532 $2,613
American Family $1,946 $1,946
Farmers $2,173 $2,305
GEICO $1,385 $1,807
Liberty Mutual $2,092 $2,346
Nationwide $1,306 $1,381
Progressive $1,582 $1,626
State Farm $1,512 $1,512
USAA $1,481 $1,502

Cheapest Saginaw, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Saginaw, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,842
American Family $4,458
Farmers $4,752
GEICO $3,803
Liberty Mutual $4,529
Nationwide $2,958
Progressive $3,010
State Farm $2,698
USAA $3,681

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Cheapest Saginaw, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Saginaw, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,036 $4,036
American Family $3,332 $3,398
Farmers $4,510 $4,510
GEICO $2,696 $2,797
Liberty Mutual $4,213 $4,213
Nationwide $2,197 $2,197
Progressive $3,131 $3,131
State Farm $2,632 $2,764
USAA $2,607 $2,802

The Best Cheap Car Insurance Companies in Saginaw, MO

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

Average Annual Car Insurance Rates by Company in Saginaw, Missouri

Insurance Company Average Annual Rates
Allstate $4,036
American Family $3,365
Farmers $4,510
GEICO $2,747
Liberty Mutual $4,213
Nationwide $2,197
Progressive $3,131
State Farm $2,698
USAA $2,704

Category Winners: Cheapest Car Insurance in Saginaw, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Saginaw, Missouri

Insurance Company Low Medium High
Allstate $3,889 $4,028 $4,191
American Family $3,252 $3,471 $3,373
Farmers $4,219 $4,466 $4,844
GEICO $2,548 $2,771 $2,920
Liberty Mutual $3,975 $4,231 $4,432
Nationwide $2,064 $2,217 $2,309
Progressive $2,789 $3,139 $3,467
State Farm $2,524 $2,707 $2,863
USAA $2,581 $2,694 $2,838

What affects car insurance rates in Saginaw, Missouri?

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

Commute Time in Saginaw

The more time you spend in your car the higher the risk of an accident. The average commute length in Saginaw, MO is 19.3 minutes according to City-Data.

Traffic in Saginaw

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Saginaw, MO traffic data from INRIX ranks Saginaw as the 939th-most congested in the world.

Compare Car Insurance Quotes in Saginaw, MO

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

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