Compare Watson, MO Car Insurance Rates (2021)

Car insurance in Watson, MO averages $263 a month. Watson, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Watson car insurance rates, compare quotes from the top car insurance companies in Watson, 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 Watson for teen drivers is Nationwide
  • Average car insurance rates in Watson, MO after a DUI are $3,670/year
  • Average car insurance rates in Watson, MO are $3,158/year

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

You’ll find Watson car insurance rates, the cheapest Watson, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Watson, Missouri car insurance rates to Columbia car insurance rates, St. Charles car insurance rates, and Kansas City car insurance rates.

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

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

How do age, gender, and marital status affect Watson, MO car insurance rates? Every Watson, 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 Watson, 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 $2,787 $2,694 $2,514 $2,592 $7,830 $8,498 $2,662 $2,746
American Family $1,988 $1,988 $1,767 $1,767 $5,306 $6,919 $1,988 $2,337
Farmers $2,277 $2,275 $2,037 $2,153 $9,210 $9,544 $2,593 $2,719
GEICO $1,852 $2,064 $1,434 $1,805 $5,638 $5,996 $1,715 $1,742
Liberty Mutual $2,696 $2,928 $2,221 $2,491 $8,769 $9,740 $2,851 $3,055
Nationwide $1,387 $1,427 $1,233 $1,317 $3,449 $4,463 $1,577 $1,718
Progressive $2,032 $1,923 $1,659 $1,704 $6,110 $6,893 $2,486 $2,554
State Farm $1,602 $1,602 $1,412 $1,412 $4,343 $5,508 $1,794 $2,034
USAA $1,513 $1,506 $1,349 $1,383 $4,400 $5,387 $1,896 $2,116

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Minimum Car Insurance in Watson, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Watson, Missouri

Insurance Company Poor Fair Good
Allstate $5,571 $3,588 $2,962
American Family $3,931 $2,763 $2,329
Farmers $4,691 $3,900 $3,711
GEICO $3,839 $2,502 $2,002
Liberty Mutual $6,251 $3,791 $2,991
Nationwide $2,452 $2,010 $1,752
Progressive $3,687 $3,032 $2,792
State Farm $3,290 $2,228 $1,873
USAA $4,100 $1,886 $1,345

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

Annual Watson, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,459 $3,906 $4,875 $3,922
American Family $2,280 $3,261 $3,907 $2,583
Farmers $3,570 $4,397 $4,304 $4,131
GEICO $2,198 $2,810 $3,742 $2,375
Liberty Mutual $3,173 $4,515 $4,678 $5,010
Nationwide $1,655 $2,087 $2,744 $1,799
Progressive $2,796 $3,615 $3,058 $3,212
State Farm $2,284 $2,644 $2,464 $2,464
USAA $1,984 $2,378 $3,259 $2,154

Cheapest Watson, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Watson, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,830 $8,498
American Family $5,306 $6,919
Farmers $9,210 $9,544
GEICO $5,638 $5,996
Liberty Mutual $8,769 $9,740
Nationwide $3,449 $4,463
Progressive $6,110 $6,893
State Farm $4,343 $5,508
USAA $4,400 $5,387

Cheapest Watson, MO Car Insurance for Seniors

Take a look at Watson, 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 Watson, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,514 $2,592
American Family $1,767 $1,767
Farmers $2,037 $2,153
GEICO $1,434 $1,805
Liberty Mutual $2,221 $2,491
Nationwide $1,233 $1,317
Progressive $1,659 $1,704
State Farm $1,412 $1,412
USAA $1,349 $1,383

Cheapest Watson, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Watson, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,875
American Family $3,907
Farmers $4,304
GEICO $3,742
Liberty Mutual $4,678
Nationwide $2,744
Progressive $3,058
State Farm $2,464
USAA $3,259

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Cheapest Watson, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Watson, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,040 $4,040
American Family $2,977 $3,038
Farmers $4,101 $4,101
GEICO $2,727 $2,835
Liberty Mutual $4,344 $4,344
Nationwide $2,071 $2,071
Progressive $3,170 $3,170
State Farm $2,404 $2,523
USAA $2,355 $2,532

The Best Cheap Car Insurance Companies in Watson, MO

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

Average Annual Car Insurance Rates by Company in Watson, Missouri

Insurance Company Average Annual Rates
Allstate $4,040
American Family $3,008
Farmers $4,101
GEICO $2,781
Liberty Mutual $4,344
Nationwide $2,071
Progressive $3,170
State Farm $2,464
USAA $2,444

Category Winners: Cheapest Car Insurance in Watson, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Watson, Missouri

Insurance Company Low Medium High
Allstate $3,900 $4,032 $4,189
American Family $2,927 $3,104 $2,992
Farmers $3,844 $4,061 $4,397
GEICO $2,625 $2,797 $2,921
Liberty Mutual $4,119 $4,363 $4,549
Nationwide $1,965 $2,087 $2,162
Progressive $2,887 $3,177 $3,446
State Farm $2,332 $2,470 $2,588
USAA $2,356 $2,436 $2,539

What affects car insurance rates in Watson, Missouri?

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

Commute Time in Watson

The more time you spend in your car the higher the risk of an accident. The average commute length in Watson, MO is 25.0 minutes according to City-Data.

Traffic in Watson

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Watson, MO traffic data from INRIX ranks Watson as the 704th-most congested in the world.

Compare Car Insurance Quotes in Watson, MO

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

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