Compare Whitewater, MO Car Insurance Rates (2021)

Car insurance in Whitewater, MO averages $266 a month. Whitewater, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Whitewater car insurance rates, compare quotes from the top car insurance companies in Whitewater, MO.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Whitewater, MO after a DUI are $3,746/year
  • The cheapest car insurance company in Whitewater is Nationwide
  • Average car insurance rates in Whitewater, MO are $3,193/year

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

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

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

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

How do age, gender, and marital status affect Whitewater, MO car insurance rates? Every Whitewater, 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 Whitewater, 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 $2,191 $2,191 $1,948 $1,948 $5,884 $7,675 $2,191 $2,574
Farmers $2,194 $2,190 $1,959 $2,077 $9,039 $9,360 $2,491 $2,597
GEICO $1,712 $1,924 $1,343 $1,739 $5,424 $5,709 $1,562 $1,554
Liberty Mutual $2,647 $2,866 $2,180 $2,442 $9,385 $10,416 $2,786 $2,968
Nationwide $1,478 $1,502 $1,331 $1,401 $3,804 $4,837 $1,693 $1,822
Progressive $1,829 $1,695 $1,497 $1,543 $6,042 $6,784 $2,230 $2,277
State Farm $1,540 $1,540 $1,383 $1,383 $4,536 $5,708 $1,735 $1,986
USAA $1,612 $1,594 $1,457 $1,475 $4,904 $5,980 $1,996 $2,211

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Minimum Car Insurance in Whitewater, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Whitewater, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $4,350 $3,054 $2,572
Farmers $4,554 $3,798 $3,613
GEICO $3,616 $2,358 $1,888
Liberty Mutual $6,393 $3,913 $3,077
Nationwide $2,625 $2,182 $1,895
Progressive $3,459 $2,864 $2,639
State Farm $3,425 $2,206 $1,798
USAA $4,414 $2,065 $1,482

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

Annual Whitewater, 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 $2,522 $3,585 $4,334 $2,860
Farmers $3,463 $4,287 $4,194 $4,008
GEICO $2,022 $2,653 $3,609 $2,199
Liberty Mutual $3,233 $4,659 $4,793 $5,161
Nationwide $1,741 $2,253 $3,028 $1,912
Progressive $2,580 $3,471 $2,866 $3,031
State Farm $2,270 $2,683 $2,476 $2,476
USAA $2,107 $2,579 $3,619 $2,310

Cheapest Whitewater, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Whitewater, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $5,884 $7,675
Farmers $9,039 $9,360
GEICO $5,424 $5,709
Liberty Mutual $9,385 $10,416
Nationwide $3,804 $4,837
Progressive $6,042 $6,784
State Farm $4,536 $5,708
USAA $4,904 $5,980

Cheapest Whitewater, MO Car Insurance for Seniors

Take a look at Whitewater, 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 Whitewater, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,948 $1,948
Farmers $1,959 $2,077
GEICO $1,343 $1,739
Liberty Mutual $2,180 $2,442
Nationwide $1,331 $1,401
Progressive $1,497 $1,543
State Farm $1,383 $1,383
USAA $1,457 $1,475

Cheapest Whitewater, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Whitewater, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,790
American Family $4,334
Farmers $4,194
GEICO $3,609
Liberty Mutual $4,793
Nationwide $3,028
Progressive $2,866
State Farm $2,476
USAA $3,619

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Cheapest Whitewater, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Whitewater, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,995 $3,995
American Family $3,292 $3,359
Farmers $3,988 $3,988
GEICO $2,572 $2,669
Liberty Mutual $4,461 $4,461
Nationwide $2,234 $2,234
Progressive $2,987 $2,987
State Farm $2,416 $2,537
USAA $2,559 $2,748

The Best Cheap Car Insurance Companies in Whitewater, MO

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

Average Annual Car Insurance Rates by Company in Whitewater, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $3,325
Farmers $3,988
GEICO $2,621
Liberty Mutual $4,461
Nationwide $2,234
Progressive $2,987
State Farm $2,476
USAA $2,654

Category Winners: Cheapest Car Insurance in Whitewater, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Whitewater, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $3,236 $3,431 $3,309
Farmers $3,721 $3,948 $4,296
GEICO $2,427 $2,643 $2,792
Liberty Mutual $4,211 $4,484 $4,689
Nationwide $2,082 $2,257 $2,362
Progressive $2,663 $2,993 $3,305
State Farm $2,317 $2,486 $2,627
USAA $2,536 $2,644 $2,781

What affects car insurance rates in Whitewater, Missouri?

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

Commute Time in Whitewater

The more time you spend in your car the higher the risk of an accident. The average commute length in Whitewater, MO is 28.0 minutes according to City-Data.

Compare Car Insurance Quotes in Whitewater, MO

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

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