Compare Union, MO Car Insurance Rates (2021)

Car insurance in Union, MO averages $293 a month. Union, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Union car insurance rates, compare quotes from the top car insurance companies in Union, 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 Union, MO are $3,515/year
  • The cheapest car insurance company in Union is USAA
  • The cheapest car insurance company in Union for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Union, MO car insurance rates? Every Union, 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 Union, 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 $2,953 $2,843 $2,673 $2,756 $8,554 $9,285 $2,795 $2,873
American Family $2,283 $2,283 $2,033 $2,033 $6,302 $8,191 $2,283 $2,667
Farmers $2,466 $2,457 $2,198 $2,329 $10,348 $10,720 $2,821 $2,950
GEICO $1,972 $2,230 $1,535 $2,000 $6,328 $6,695 $1,786 $1,788
Liberty Mutual $2,826 $3,061 $2,320 $2,606 $10,157 $11,289 $2,973 $3,165
Nationwide $1,703 $1,732 $1,527 $1,610 $4,487 $5,721 $1,959 $2,112
Progressive $2,073 $1,904 $1,705 $1,753 $7,233 $8,115 $2,530 $2,591
State Farm $1,763 $1,763 $1,588 $1,588 $5,253 $6,597 $1,987 $2,280
USAA $1,503 $1,488 $1,359 $1,379 $4,499 $5,488 $1,862 $2,065

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Minimum Car Insurance in Union, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Union, Missouri

Insurance Company Poor Fair Good
Allstate $5,991 $3,857 $3,177
American Family $4,589 $3,224 $2,715
Farmers $5,174 $4,324 $4,111
GEICO $4,202 $2,735 $2,187
Liberty Mutual $6,877 $4,211 $3,311
Nationwide $3,066 $2,546 $2,207
Progressive $4,015 $3,352 $3,097
State Farm $3,964 $2,536 $2,057
USAA $4,080 $1,912 $1,375

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

Annual Union, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,695 $4,194 $5,269 $4,209
American Family $2,623 $3,776 $4,640 $2,998
Farmers $3,911 $4,887 $4,777 $4,570
GEICO $2,337 $3,071 $4,210 $2,548
Liberty Mutual $3,476 $5,016 $5,154 $5,553
Nationwide $2,019 $2,629 $3,555 $2,222
Progressive $2,984 $4,091 $3,339 $3,539
State Farm $2,610 $3,095 $2,852 $2,852
USAA $1,960 $2,389 $3,328 $2,146

Cheapest Union, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Union, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,554 $9,285
American Family $6,302 $8,191
Farmers $10,348 $10,720
GEICO $6,328 $6,695
Liberty Mutual $10,157 $11,289
Nationwide $4,487 $5,721
Progressive $7,233 $8,115
State Farm $5,253 $6,597
USAA $4,499 $5,488

Cheapest Union, MO Car Insurance for Seniors

Take a look at Union, 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 Union, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,673 $2,756
American Family $2,033 $2,033
Farmers $2,198 $2,329
GEICO $1,535 $2,000
Liberty Mutual $2,320 $2,606
Nationwide $1,527 $1,610
Progressive $1,705 $1,753
State Farm $1,588 $1,588
USAA $1,359 $1,379

Cheapest Union, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Union, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,269
American Family $4,640
Farmers $4,777
GEICO $4,210
Liberty Mutual $5,154
Nationwide $3,555
Progressive $3,339
State Farm $2,852
USAA $3,328

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Cheapest Union, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Union, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,342 $4,342
American Family $3,475 $3,544
Farmers $4,536 $4,536
GEICO $2,985 $3,098
Liberty Mutual $4,800 $4,800
Nationwide $2,606 $2,606
Progressive $3,488 $3,488
State Farm $2,783 $2,922
USAA $2,367 $2,544

The Best Cheap Car Insurance Companies in Union, MO

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

Average Annual Car Insurance Rates by Company in Union, Missouri

Insurance Company Average Annual Rates
Allstate $4,342
American Family $3,509
Farmers $4,536
GEICO $3,042
Liberty Mutual $4,800
Nationwide $2,606
Progressive $3,488
State Farm $2,852
USAA $2,456

Category Winners: Cheapest Car Insurance in Union, Missouri

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

Best Annual Car Insurance Rates by Company in Union, Missouri

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

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Cheapest Union, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Union, Missouri

Insurance Company Low Medium High
Allstate $4,171 $4,332 $4,522
American Family $3,400 $3,620 $3,508
Farmers $4,246 $4,492 $4,870
GEICO $2,828 $3,066 $3,231
Liberty Mutual $4,513 $4,824 $5,062
Nationwide $2,441 $2,635 $2,743
Progressive $3,102 $3,496 $3,866
State Farm $2,665 $2,863 $3,029
USAA $2,344 $2,446 $2,576

What affects car insurance rates in Union, Missouri?

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

Commute Time in Union

The more time you spend in your car the higher the risk of an accident. The average commute length in Union, MO is 39.0 minutes according to City-Data.

Compare Car Insurance Quotes in Union, MO

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

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