Compare Westphalia, MO Car Insurance Rates (2021)

Car insurance in Westphalia, MO averages $263 a month. Westphalia, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Westphalia car insurance rates, compare quotes from the top car insurance companies in Westphalia, 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 Westphalia is Nationwide
  • Average car insurance rates in Westphalia, MO after a DUI are $3,680/year
  • The cheapest car insurance company in Westphalia for teen drivers is Nationwide

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

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

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

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

How do age, gender, and marital status affect Westphalia, MO car insurance rates? Every Westphalia, 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 Westphalia, 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 $2,086 $2,086 $1,854 $1,854 $5,582 $7,284 $2,086 $2,450
Farmers $2,190 $2,181 $1,956 $2,073 $8,995 $9,298 $2,495 $2,605
GEICO $1,646 $1,851 $1,280 $1,651 $5,205 $5,511 $1,499 $1,504
Liberty Mutual $2,657 $2,879 $2,187 $2,451 $9,172 $10,183 $2,800 $2,990
Nationwide $1,410 $1,443 $1,259 $1,338 $3,551 $4,564 $1,607 $1,742
Progressive $1,889 $1,764 $1,545 $1,590 $6,035 $6,788 $2,306 $2,359
State Farm $1,637 $1,637 $1,451 $1,451 $4,575 $5,775 $1,837 $2,099
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

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Minimum Car Insurance in Westphalia, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Westphalia, Missouri

Insurance Company Poor Fair Good
Allstate $5,341 $3,435 $2,842
American Family $4,136 $2,902 $2,443
Farmers $4,539 $3,784 $3,599
GEICO $3,473 $2,267 $1,815
Liberty Mutual $6,339 $3,864 $3,041
Nationwide $2,496 $2,057 $1,790
Progressive $3,519 $2,907 $2,678
State Farm $3,460 $2,301 $1,912
USAA $4,567 $2,109 $1,505

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

Annual Westphalia, 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 $2,401 $3,416 $4,106 $2,718
Farmers $3,442 $4,273 $4,179 $4,002
GEICO $1,946 $2,549 $3,461 $2,118
Liberty Mutual $3,206 $4,603 $4,747 $5,104
Nationwide $1,674 $2,131 $2,825 $1,826
Progressive $2,641 $3,503 $2,917 $3,077
State Farm $2,361 $2,754 $2,558 $2,558
USAA $2,179 $2,649 $3,694 $2,385

Cheapest Westphalia, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Westphalia, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,369 $7,979
American Family $5,582 $7,284
Farmers $8,995 $9,298
GEICO $5,205 $5,511
Liberty Mutual $9,172 $10,183
Nationwide $3,551 $4,564
Progressive $6,035 $6,788
State Farm $4,575 $5,775
USAA $5,002 $6,115

Cheapest Westphalia, MO Car Insurance for Seniors

Take a look at Westphalia, 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 Westphalia, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,437 $2,515
American Family $1,854 $1,854
Farmers $1,956 $2,073
GEICO $1,280 $1,651
Liberty Mutual $2,187 $2,451
Nationwide $1,259 $1,338
Progressive $1,545 $1,590
State Farm $1,451 $1,451
USAA $1,491 $1,518

Cheapest Westphalia, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Westphalia, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,637
American Family $4,106
Farmers $4,179
GEICO $3,461
Liberty Mutual $4,747
Nationwide $2,825
Progressive $2,917
State Farm $2,558
USAA $3,694

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Cheapest Westphalia, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Westphalia, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,873 $3,873
American Family $3,128 $3,192
Farmers $3,974 $3,974
GEICO $2,472 $2,565
Liberty Mutual $4,415 $4,415
Nationwide $2,114 $2,114
Progressive $3,035 $3,035
State Farm $2,497 $2,619
USAA $2,630 $2,824

The Best Cheap Car Insurance Companies in Westphalia, MO

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

Average Annual Car Insurance Rates by Company in Westphalia, Missouri

Insurance Company Average Annual Rates
Allstate $3,873
American Family $3,160
Farmers $3,974
GEICO $2,518
Liberty Mutual $4,415
Nationwide $2,114
Progressive $3,035
State Farm $2,558
USAA $2,727

Category Winners: Cheapest Car Insurance in Westphalia, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Westphalia, Missouri

Insurance Company Low Medium High
Allstate $3,735 $3,865 $4,018
American Family $3,071 $3,261 $3,149
Farmers $3,724 $3,937 $4,261
GEICO $2,352 $2,537 $2,666
Liberty Mutual $4,171 $4,435 $4,638
Nationwide $1,993 $2,132 $2,217
Progressive $2,725 $3,041 $3,338
State Farm $2,422 $2,564 $2,686
USAA $2,627 $2,720 $2,834

What affects car insurance rates in Westphalia, Missouri?

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

Commute Time in Westphalia

The more time you spend in your car the higher the risk of an accident. The average commute length in Westphalia, MO is 20.9 minutes according to City-Data.

Compare Car Insurance Quotes in Westphalia, MO

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

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