Compare Saint Thomas, MO Car Insurance Rates (2021)

Car insurance in Saint Thomas, MO averages $257 a month. Saint Thomas, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Saint Thomas car insurance rates, compare quotes from the top car insurance companies in Saint Thomas, 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 Saint Thomas, MO after a DUI are $3,613/year
  • Average car insurance rates in Saint Thomas, MO are $3,089/year
  • The cheapest car insurance company in Saint Thomas for teen drivers is Nationwide

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

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

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

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

How do age, gender, and marital status affect Saint Thomas, MO car insurance rates? Every Saint Thomas, 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 Saint Thomas, 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 $2,716 $2,637 $2,437 $2,515 $7,369 $7,979 $2,618 $2,710
American Family $1,903 $1,903 $1,694 $1,694 $5,159 $6,711 $1,903 $2,227
Farmers $2,188 $2,182 $1,957 $2,072 $8,880 $9,182 $2,486 $2,596
GEICO $1,790 $1,998 $1,396 $1,772 $5,501 $5,819 $1,655 $1,667
Liberty Mutual $2,665 $2,886 $2,192 $2,457 $9,393 $10,429 $2,806 $2,994
Nationwide $1,378 $1,406 $1,237 $1,307 $3,502 $4,472 $1,574 $1,699
Progressive $1,799 $1,676 $1,471 $1,515 $5,768 $6,482 $2,193 $2,240
State Farm $1,392 $1,392 $1,245 $1,245 $4,033 $5,074 $1,565 $1,793
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

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Minimum Car Insurance in Saint Thomas, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Saint Thomas, Missouri

Insurance Company Poor Fair Good
Allstate $5,341 $3,435 $2,842
American Family $3,787 $2,665 $2,246
Farmers $4,507 $3,752 $3,570
GEICO $3,726 $2,429 $1,944
Liberty Mutual $6,427 $3,923 $3,084
Nationwide $2,440 $2,019 $1,756
Progressive $3,356 $2,772 $2,552
State Farm $3,047 $1,981 $1,624
USAA $4,567 $2,109 $1,505

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

Annual Saint Thomas, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,338 $3,753 $4,637 $3,763
American Family $2,174 $3,153 $3,794 $2,476
Farmers $3,429 $4,233 $4,142 $3,967
GEICO $2,120 $2,731 $3,654 $2,294
Liberty Mutual $3,245 $4,673 $4,812 $5,181
Nationwide $1,629 $2,089 $2,787 $1,782
Progressive $2,516 $3,342 $2,780 $2,934
State Farm $2,037 $2,398 $2,217 $2,217
USAA $2,179 $2,649 $3,694 $2,385

Cheapest Saint Thomas, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Saint Thomas, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,369 $7,979
American Family $5,159 $6,711
Farmers $8,880 $9,182
GEICO $5,501 $5,819
Liberty Mutual $9,393 $10,429
Nationwide $3,502 $4,472
Progressive $5,768 $6,482
State Farm $4,033 $5,074
USAA $5,002 $6,115

Cheapest Saint Thomas, MO Car Insurance for Seniors

Take a look at Saint Thomas, 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 Saint Thomas, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,437 $2,515
American Family $1,694 $1,694
Farmers $1,957 $2,072
GEICO $1,396 $1,772
Liberty Mutual $2,192 $2,457
Nationwide $1,237 $1,307
Progressive $1,471 $1,515
State Farm $1,245 $1,245
USAA $1,491 $1,518

Cheapest Saint Thomas, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Saint Thomas, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,637
American Family $3,794
Farmers $4,142
GEICO $3,654
Liberty Mutual $4,812
Nationwide $2,787
Progressive $2,780
State Farm $2,217
USAA $3,694

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Cheapest Saint Thomas, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Saint Thomas, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,873 $3,873
American Family $2,871 $2,928
Farmers $3,943 $3,943
GEICO $2,648 $2,752
Liberty Mutual $4,478 $4,478
Nationwide $2,072 $2,072
Progressive $2,893 $2,893
State Farm $2,164 $2,271
USAA $2,630 $2,824

The Best Cheap Car Insurance Companies in Saint Thomas, MO

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

Average Annual Car Insurance Rates by Company in Saint Thomas, Missouri

Insurance Company Average Annual Rates
Allstate $3,873
American Family $2,899
Farmers $3,943
GEICO $2,700
Liberty Mutual $4,478
Nationwide $2,072
Progressive $2,893
State Farm $2,217
USAA $2,727

Category Winners: Cheapest Car Insurance in Saint Thomas, Missouri

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

Best Annual Car Insurance Rates by Company in Saint Thomas, Missouri

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

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Cheapest Saint Thomas, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Saint Thomas, Missouri

Insurance Company Low Medium High
Allstate $3,735 $3,865 $4,018
American Family $2,811 $2,991 $2,895
Farmers $3,694 $3,906 $4,229
GEICO $2,527 $2,719 $2,853
Liberty Mutual $4,225 $4,498 $4,711
Nationwide $1,945 $2,091 $2,180
Progressive $2,594 $2,900 $3,186
State Farm $2,083 $2,224 $2,345
USAA $2,627 $2,720 $2,834

Compare Car Insurance Quotes in Saint Thomas, MO

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

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