Compare Santa Fe, MO Car Insurance Rates (2021)

Car insurance in Santa Fe, MO averages $261 a month. Santa Fe, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Santa Fe car insurance rates, compare quotes from the top car insurance companies in Santa Fe, 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 Santa Fe, MO are $3,132/year
  • The cheapest car insurance company in Santa Fe is Nationwide
  • The cheapest car insurance company in Santa Fe for teen drivers is Nationwide

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

You’ll find Santa Fe car insurance rates, the cheapest Santa Fe, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Santa Fe, Missouri car insurance rates to St. Louis car insurance rates, Independence car insurance rates, and Kansas City car insurance rates.

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

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

How do age, gender, and marital status affect Santa Fe, MO car insurance rates? Every Santa Fe, 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 Santa Fe, 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 $1,921 $1,921 $1,714 $1,714 $5,294 $6,871 $1,921 $2,241
Farmers $2,365 $2,368 $2,112 $2,234 $9,710 $10,085 $2,691 $2,819
GEICO $1,785 $1,982 $1,390 $1,740 $5,343 $5,669 $1,668 $1,692
Liberty Mutual $2,594 $2,813 $2,137 $2,395 $8,737 $9,700 $2,738 $2,928
Nationwide $1,352 $1,386 $1,206 $1,284 $3,368 $4,336 $1,538 $1,669
Progressive $1,928 $1,808 $1,576 $1,622 $6,048 $6,809 $2,356 $2,410
State Farm $1,697 $1,697 $1,490 $1,490 $4,512 $5,747 $1,899 $2,139
USAA $1,489 $1,481 $1,339 $1,371 $4,285 $5,244 $1,860 $2,077

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Minimum Car Insurance in Santa Fe, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Santa Fe, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,849 $2,713 $2,287
Farmers $4,913 $4,090 $3,892
GEICO $3,669 $2,392 $1,915
Liberty Mutual $6,113 $3,721 $2,932
Nationwide $2,383 $1,961 $1,708
Progressive $3,563 $2,939 $2,707
State Farm $3,420 $2,346 $1,986
USAA $3,981 $1,861 $1,337

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

Annual Santa Fe, 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 $2,190 $3,206 $3,895 $2,508
Farmers $3,741 $4,613 $4,515 $4,324
GEICO $2,119 $2,684 $3,549 $2,281
Liberty Mutual $3,098 $4,431 $4,578 $4,914
Nationwide $1,605 $2,034 $2,683 $1,748
Progressive $2,683 $3,529 $2,954 $3,112
State Farm $2,402 $2,766 $2,584 $2,584
USAA $1,942 $2,335 $3,183 $2,113

Cheapest Santa Fe, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Santa Fe, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,294 $6,871
Farmers $9,710 $10,085
GEICO $5,343 $5,669
Liberty Mutual $8,737 $9,700
Nationwide $3,368 $4,336
Progressive $6,048 $6,809
State Farm $4,512 $5,747
USAA $4,285 $5,244

Cheapest Santa Fe, MO Car Insurance for Seniors

Take a look at Santa Fe, 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 Santa Fe, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,714 $1,714
Farmers $2,112 $2,234
GEICO $1,390 $1,740
Liberty Mutual $2,137 $2,395
Nationwide $1,206 $1,284
Progressive $1,576 $1,622
State Farm $1,490 $1,490
USAA $1,339 $1,371

Cheapest Santa Fe, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Santa Fe, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,895
Farmers $4,515
GEICO $3,549
Liberty Mutual $4,578
Nationwide $2,683
Progressive $2,954
State Farm $2,584
USAA $3,183

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Cheapest Santa Fe, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Santa Fe, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,921 $2,979
Farmers $4,298 $4,298
GEICO $2,605 $2,712
Liberty Mutual $4,255 $4,255
Nationwide $2,017 $2,017
Progressive $3,070 $3,070
State Farm $2,520 $2,648
USAA $2,305 $2,481

The Best Cheap Car Insurance Companies in Santa Fe, MO

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

Average Annual Car Insurance Rates by Company in Santa Fe, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $2,950
Farmers $4,298
GEICO $2,659
Liberty Mutual $4,255
Nationwide $2,017
Progressive $3,070
State Farm $2,584
USAA $2,393

Category Winners: Cheapest Car Insurance in Santa Fe, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Santa Fe, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,854 $3,043 $2,953
Farmers $4,009 $4,251 $4,634
GEICO $2,504 $2,674 $2,798
Liberty Mutual $4,029 $4,275 $4,461
Nationwide $1,901 $2,035 $2,117
Progressive $2,760 $3,076 $3,373
State Farm $2,443 $2,592 $2,716
USAA $2,283 $2,385 $2,512

What affects car insurance rates in Santa Fe, Missouri?

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

Traffic in Santa Fe

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Santa Fe, MO traffic data from INRIX ranks Santa Fe as the 775th-most congested in the world.

Compare Car Insurance Quotes in Santa Fe, MO

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

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