Compare Waynesville, MO Car Insurance Rates (2021)

Car insurance in Waynesville, MO averages $257 a month. Waynesville, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Waynesville car insurance rates, compare quotes from the top car insurance companies in Waynesville, 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 Waynesville for teen drivers is Nationwide
  • The cheapest car insurance company in Waynesville is Nationwide
  • Average car insurance rates in Waynesville, MO after a DUI are $3,598/year

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

You’ll find Waynesville car insurance rates, the cheapest Waynesville, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Waynesville, Missouri car insurance rates to Florissant car insurance rates, Columbia car insurance rates, and St. Louis car insurance rates.

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

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

How do age, gender, and marital status affect Waynesville, MO car insurance rates? Every Waynesville, 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 Waynesville, 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 $2,716 $2,637 $2,437 $2,515 $7,369 $7,979 $2,618 $2,710
American Family $1,940 $1,940 $1,732 $1,732 $5,362 $6,952 $1,940 $2,262
Farmers $2,218 $2,208 $1,980 $2,097 $9,134 $9,445 $2,533 $2,652
GEICO $1,613 $1,815 $1,252 $1,608 $5,096 $5,411 $1,466 $1,476
Liberty Mutual $2,560 $2,774 $2,110 $2,363 $8,836 $9,804 $2,698 $2,881
Nationwide $1,313 $1,338 $1,180 $1,245 $3,358 $4,280 $1,501 $1,618
Progressive $1,877 $1,730 $1,541 $1,586 $6,374 $7,150 $2,288 $2,333
State Farm $1,507 $1,507 $1,349 $1,349 $4,409 $5,538 $1,697 $1,953
USAA $1,581 $1,564 $1,429 $1,449 $4,782 $5,836 $1,961 $2,176

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Minimum Car Insurance in Waynesville, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Waynesville, Missouri

Insurance Company Poor Fair Good
Allstate $5,341 $3,435 $2,842
American Family $3,889 $2,745 $2,315
Farmers $4,609 $3,840 $3,652
GEICO $3,402 $2,221 $1,779
Liberty Mutual $6,106 $3,724 $2,930
Nationwide $2,328 $1,930 $1,679
Progressive $3,589 $2,986 $2,755
State Farm $3,328 $2,153 $1,759
USAA $4,316 $2,022 $1,453

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

Annual Waynesville, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,338 $3,753 $4,637 $3,763
American Family $2,208 $3,240 $3,950 $2,533
Farmers $3,488 $4,337 $4,241 $4,067
GEICO $1,907 $2,496 $3,389 $2,077
Liberty Mutual $3,088 $4,434 $4,573 $4,918
Nationwide $1,552 $1,996 $2,669 $1,700
Progressive $2,676 $3,628 $2,981 $3,154
State Farm $2,214 $2,613 $2,413 $2,413
USAA $2,066 $2,526 $3,531 $2,265

Cheapest Waynesville, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Waynesville, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,369 $7,979
American Family $5,362 $6,952
Farmers $9,134 $9,445
GEICO $5,096 $5,411
Liberty Mutual $8,836 $9,804
Nationwide $3,358 $4,280
Progressive $6,374 $7,150
State Farm $4,409 $5,538
USAA $4,782 $5,836

Cheapest Waynesville, MO Car Insurance for Seniors

Take a look at Waynesville, 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 Waynesville, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,437 $2,515
American Family $1,732 $1,732
Farmers $1,980 $2,097
GEICO $1,252 $1,608
Liberty Mutual $2,110 $2,363
Nationwide $1,180 $1,245
Progressive $1,541 $1,586
State Farm $1,349 $1,349
USAA $1,429 $1,449

Cheapest Waynesville, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Waynesville, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,637
American Family $3,950
Farmers $4,241
GEICO $3,389
Liberty Mutual $4,573
Nationwide $2,669
Progressive $2,981
State Farm $2,413
USAA $3,531

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Cheapest Waynesville, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Waynesville, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,873 $3,873
American Family $2,954 $3,012
Farmers $4,033 $4,033
GEICO $2,423 $2,512
Liberty Mutual $4,253 $4,253
Nationwide $1,979 $1,979
Progressive $3,110 $3,110
State Farm $2,356 $2,471
USAA $2,504 $2,690

The Best Cheap Car Insurance Companies in Waynesville, MO

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

Average Annual Car Insurance Rates by Company in Waynesville, Missouri

Insurance Company Average Annual Rates
Allstate $3,873
American Family $2,983
Farmers $4,033
GEICO $2,467
Liberty Mutual $4,253
Nationwide $1,979
Progressive $3,110
State Farm $2,413
USAA $2,597

Category Winners: Cheapest Car Insurance in Waynesville, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Waynesville, Missouri

Insurance Company Low Medium High
Allstate $3,735 $3,865 $4,018
American Family $2,887 $3,077 $2,984
Farmers $3,783 $3,996 $4,322
GEICO $2,314 $2,483 $2,604
Liberty Mutual $4,022 $4,273 $4,465
Nationwide $1,858 $1,998 $2,081
Progressive $2,762 $3,117 $3,450
State Farm $2,276 $2,421 $2,544
USAA $2,480 $2,588 $2,724

What affects car insurance rates in Waynesville, Missouri?

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

Commute Time in Waynesville

The more time you spend in your car the higher the risk of an accident. The average commute length in Waynesville, MO is 21.9 minutes according to City-Data.

Compare Car Insurance Quotes in Waynesville, MO

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

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