Compare Urbana, MO Car Insurance Rates (2021)

Car insurance in Urbana, MO averages $268 a month. Urbana, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Urbana car insurance rates, compare quotes from the top car insurance companies in Urbana, 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 Urbana is Nationwide
  • Average car insurance rates in Urbana, MO after a DUI are $3,753/year
  • Average car insurance rates in Urbana, MO are $3,218/year

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

You’ll find Urbana car insurance rates, the cheapest Urbana, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Urbana, Missouri car insurance rates to St. Joseph car insurance rates, St. Charles car insurance rates, and Lee’s Summit car insurance rates.

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

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

How do age, gender, and marital status affect Urbana, MO car insurance rates? Every Urbana, 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 Urbana, 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 $2,796 $2,713 $2,507 $2,587 $7,621 $8,247 $2,695 $2,790
American Family $2,138 $2,138 $1,905 $1,905 $5,877 $7,639 $2,138 $2,500
Farmers $2,268 $2,264 $2,026 $2,144 $9,329 $9,663 $2,594 $2,723
GEICO $1,967 $2,198 $1,523 $1,925 $6,022 $6,405 $1,820 $1,849
Liberty Mutual $2,579 $2,796 $2,124 $2,380 $8,810 $9,782 $2,721 $2,906
Nationwide $1,458 $1,488 $1,307 $1,382 $3,741 $4,784 $1,669 $1,803
Progressive $1,915 $1,775 $1,566 $1,613 $6,339 $7,122 $2,336 $2,400
State Farm $1,712 $1,712 $1,525 $1,525 $4,820 $6,087 $1,922 $2,187
USAA $1,433 $1,425 $1,288 $1,317 $4,154 $5,080 $1,787 $1,992

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Minimum Car Insurance in Urbana, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Urbana, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $4,286 $3,015 $2,539
Farmers $4,719 $3,927 $3,734
GEICO $4,093 $2,666 $2,132
Liberty Mutual $6,119 $3,730 $2,938
Nationwide $2,596 $2,148 $1,867
Progressive $3,629 $3,002 $2,768
State Farm $3,647 $2,413 $1,999
USAA $3,840 $1,796 $1,291

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

Annual Urbana, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,439 $3,868 $4,790 $3,881
American Family $2,451 $3,542 $4,326 $2,800
Farmers $3,574 $4,432 $4,336 $4,164
GEICO $2,338 $2,993 $3,996 $2,528
Liberty Mutual $3,100 $4,441 $4,584 $4,924
Nationwide $1,728 $2,222 $2,972 $1,893
Progressive $2,701 $3,647 $3,004 $3,181
State Farm $2,477 $2,896 $2,686 $2,686
USAA $1,870 $2,251 $3,082 $2,035

Cheapest Urbana, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Urbana, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $5,877 $7,639
Farmers $9,329 $9,663
GEICO $6,022 $6,405
Liberty Mutual $8,810 $9,782
Nationwide $3,741 $4,784
Progressive $6,339 $7,122
State Farm $4,820 $6,087
USAA $4,154 $5,080

Cheapest Urbana, MO Car Insurance for Seniors

Take a look at Urbana, 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 Urbana, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,905 $1,905
Farmers $2,026 $2,144
GEICO $1,523 $1,925
Liberty Mutual $2,124 $2,380
Nationwide $1,307 $1,382
Progressive $1,566 $1,613
State Farm $1,525 $1,525
USAA $1,288 $1,317

Cheapest Urbana, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Urbana, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,790
American Family $4,326
Farmers $4,336
GEICO $3,996
Liberty Mutual $4,584
Nationwide $2,972
Progressive $3,004
State Farm $2,686
USAA $3,082

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Cheapest Urbana, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Urbana, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,995 $3,995
American Family $3,248 $3,312
Farmers $4,127 $4,127
GEICO $2,905 $3,022
Liberty Mutual $4,262 $4,262
Nationwide $2,204 $2,204
Progressive $3,133 $3,133
State Farm $2,621 $2,752
USAA $2,224 $2,394

The Best Cheap Car Insurance Companies in Urbana, MO

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

Average Annual Car Insurance Rates by Company in Urbana, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $3,280
Farmers $4,127
GEICO $2,964
Liberty Mutual $4,262
Nationwide $2,204
Progressive $3,133
State Farm $2,686
USAA $2,309

Category Winners: Cheapest Car Insurance in Urbana, Missouri

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

Best Annual Car Insurance Rates by Company in Urbana, Missouri

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

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Cheapest Urbana, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Urbana, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $3,179 $3,384 $3,277
Farmers $3,867 $4,085 $4,427
GEICO $2,793 $2,981 $3,116
Liberty Mutual $4,031 $4,282 $4,473
Nationwide $2,066 $2,226 $2,319
Progressive $2,816 $3,139 $3,444
State Farm $2,524 $2,694 $2,840
USAA $2,204 $2,301 $2,423

What affects car insurance rates in Urbana, Missouri?

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

Commute Time in Urbana

The more time you spend in your car the higher the risk of an accident. The average commute length in Urbana, MO is 28.2 minutes according to City-Data.

Compare Car Insurance Quotes in Urbana, MO

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

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