Compare Shelbyville, MO Car Insurance Rates (2021)

Car insurance in Shelbyville, MO averages $264 a month. Shelbyville, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Shelbyville car insurance rates, compare quotes from the top car insurance companies in Shelbyville, 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 Shelbyville is Nationwide
  • Average car insurance rates in Shelbyville, MO are $3,169/year
  • Average car insurance rates in Shelbyville, MO after a DUI are $3,663/year

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

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

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

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

How do age, gender, and marital status affect Shelbyville, MO car insurance rates? Every Shelbyville, 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 Shelbyville, 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 $1,924 $1,924 $1,712 $1,712 $5,195 $6,763 $1,924 $2,253
Farmers $2,353 $2,353 $2,113 $2,226 $9,157 $9,484 $2,670 $2,807
GEICO $1,907 $2,104 $1,484 $1,834 $5,572 $5,914 $1,802 $1,835
Liberty Mutual $2,585 $2,802 $2,131 $2,385 $8,683 $9,634 $2,729 $2,918
Nationwide $1,368 $1,406 $1,218 $1,300 $3,384 $4,370 $1,554 $1,691
Progressive $2,064 $1,957 $1,686 $1,731 $6,169 $6,964 $2,527 $2,590
State Farm $1,814 $1,814 $1,581 $1,581 $4,682 $5,977 $2,026 $2,281
USAA $1,545 $1,541 $1,378 $1,418 $4,426 $5,428 $1,944 $2,178

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Minimum Car Insurance in Shelbyville, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Shelbyville, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,823 $2,689 $2,265
Farmers $4,752 $3,936 $3,747
GEICO $3,875 $2,525 $2,020
Liberty Mutual $6,082 $3,702 $2,917
Nationwide $2,409 $1,977 $1,723
Progressive $3,733 $3,072 $2,828
State Farm $3,552 $2,483 $2,124
USAA $4,157 $1,919 $1,371

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

Annual Shelbyville, 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 $2,201 $3,179 $3,821 $2,502
Farmers $3,639 $4,427 $4,338 $4,177
GEICO $2,267 $2,832 $3,697 $2,429
Liberty Mutual $3,082 $4,407 $4,555 $4,889
Nationwide $1,628 $2,052 $2,696 $1,769
Progressive $2,838 $3,654 $3,100 $3,252
State Farm $2,538 $2,901 $2,720 $2,720
USAA $2,027 $2,420 $3,284 $2,197

Cheapest Shelbyville, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Shelbyville, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,195 $6,763
Farmers $9,157 $9,484
GEICO $5,572 $5,914
Liberty Mutual $8,683 $9,634
Nationwide $3,384 $4,370
Progressive $6,169 $6,964
State Farm $4,682 $5,977
USAA $4,426 $5,428

Cheapest Shelbyville, MO Car Insurance for Seniors

Take a look at Shelbyville, 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 Shelbyville, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,712 $1,712
Farmers $2,113 $2,226
GEICO $1,484 $1,834
Liberty Mutual $2,131 $2,385
Nationwide $1,218 $1,300
Progressive $1,686 $1,731
State Farm $1,581 $1,581
USAA $1,378 $1,418

Cheapest Shelbyville, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Shelbyville, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,821
Farmers $4,338
GEICO $3,697
Liberty Mutual $4,555
Nationwide $2,696
Progressive $3,100
State Farm $2,720
USAA $3,284

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Cheapest Shelbyville, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Shelbyville, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,897 $2,955
Farmers $4,145 $4,145
GEICO $2,747 $2,866
Liberty Mutual $4,233 $4,233
Nationwide $2,036 $2,036
Progressive $3,211 $3,211
State Farm $2,654 $2,786
USAA $2,390 $2,574

The Best Cheap Car Insurance Companies in Shelbyville, MO

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

Average Annual Car Insurance Rates by Company in Shelbyville, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $2,926
Farmers $4,145
GEICO $2,806
Liberty Mutual $4,233
Nationwide $2,036
Progressive $3,211
State Farm $2,720
USAA $2,482

Category Winners: Cheapest Car Insurance in Shelbyville, Missouri

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

Best Annual Car Insurance Rates by Company in Shelbyville, Missouri

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

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Cheapest Shelbyville, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Shelbyville, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,838 $3,019 $2,920
Farmers $3,907 $4,109 $4,420
GEICO $2,652 $2,822 $2,946
Liberty Mutual $4,015 $4,253 $4,432
Nationwide $1,922 $2,053 $2,134
Progressive $2,915 $3,217 $3,501
State Farm $2,590 $2,727 $2,842
USAA $2,385 $2,474 $2,587

What affects car insurance rates in Shelbyville, Missouri?

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

Commute Time in Shelbyville

The more time you spend in your car the higher the risk of an accident. The average commute length in Shelbyville, MO is 23.6 minutes according to City-Data.

Compare Car Insurance Quotes in Shelbyville, MO

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

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