Compare Winston, MO Car Insurance Rates (2021)

Car insurance in Winston, MO averages $267 a month. Winston, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Winston car insurance rates, compare quotes from the top car insurance companies in Winston, 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

  • The cheapest car insurance company in Winston is Nationwide
  • The cheapest car insurance company in Winston for teen drivers is Nationwide
  • Average car insurance rates in Winston, MO after a DUI are $3,736/year

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

You’ll find Winston car insurance rates, the cheapest Winston, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Winston, Missouri car insurance rates to Blue Springs car insurance rates, Columbia car insurance rates, and Independence car insurance rates.

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

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

How do age, gender, and marital status affect Winston, MO car insurance rates? Every Winston, 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 Winston, 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 $2,141 $2,141 $1,900 $1,900 $5,644 $7,378 $2,141 $2,527
Farmers $2,269 $2,265 $2,032 $2,147 $9,084 $9,401 $2,580 $2,704
GEICO $1,852 $2,064 $1,434 $1,805 $5,638 $5,996 $1,715 $1,742
Liberty Mutual $2,696 $2,926 $2,220 $2,488 $8,905 $9,888 $2,850 $3,054
Nationwide $1,431 $1,472 $1,271 $1,359 $3,564 $4,614 $1,628 $1,774
Progressive $1,999 $1,895 $1,634 $1,677 $5,949 $6,711 $2,445 $2,502
State Farm $1,602 $1,602 $1,412 $1,412 $4,343 $5,508 $1,794 $2,034
USAA $1,605 $1,589 $1,448 $1,469 $4,844 $5,914 $1,995 $2,214

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Minimum Car Insurance in Winston, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Winston, Missouri

Insurance Company Poor Fair Good
Allstate $5,571 $3,588 $2,962
American Family $4,215 $2,958 $2,491
Farmers $4,646 $3,861 $3,674
GEICO $3,839 $2,502 $2,002
Liberty Mutual $6,300 $3,822 $3,013
Nationwide $2,532 $2,076 $1,809
Progressive $3,605 $2,968 $2,731
State Farm $3,290 $2,228 $1,873
USAA $4,394 $2,045 $1,465

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

Annual Winston, 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 $2,465 $3,478 $4,161 $2,782
Farmers $3,540 $4,351 $4,259 $4,090
GEICO $2,198 $2,810 $3,742 $2,375
Liberty Mutual $3,192 $4,553 $4,714 $5,054
Nationwide $1,708 $2,156 $2,835 $1,857
Progressive $2,747 $3,524 $2,996 $3,139
State Farm $2,284 $2,644 $2,464 $2,464
USAA $2,100 $2,561 $3,578 $2,300

Cheapest Winston, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Winston, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,830 $8,498
American Family $5,644 $7,378
Farmers $9,084 $9,401
GEICO $5,638 $5,996
Liberty Mutual $8,905 $9,888
Nationwide $3,564 $4,614
Progressive $5,949 $6,711
State Farm $4,343 $5,508
USAA $4,844 $5,914

Cheapest Winston, MO Car Insurance for Seniors

Take a look at Winston, 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 Winston, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,514 $2,592
American Family $1,900 $1,900
Farmers $2,032 $2,147
GEICO $1,434 $1,805
Liberty Mutual $2,220 $2,488
Nationwide $1,271 $1,359
Progressive $1,634 $1,677
State Farm $1,412 $1,412
USAA $1,448 $1,469

Cheapest Winston, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Winston, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,875
American Family $4,161
Farmers $4,259
GEICO $3,742
Liberty Mutual $4,714
Nationwide $2,835
Progressive $2,996
State Farm $2,464
USAA $3,578

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Cheapest Winston, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Winston, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,040 $4,040
American Family $3,189 $3,254
Farmers $4,060 $4,060
GEICO $2,727 $2,835
Liberty Mutual $4,378 $4,378
Nationwide $2,139 $2,139
Progressive $3,102 $3,102
State Farm $2,404 $2,523
USAA $2,541 $2,729

The Best Cheap Car Insurance Companies in Winston, MO

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

Average Annual Car Insurance Rates by Company in Winston, Missouri

Insurance Company Average Annual Rates
Allstate $4,040
American Family $3,221
Farmers $4,060
GEICO $2,781
Liberty Mutual $4,378
Nationwide $2,139
Progressive $3,102
State Farm $2,464
USAA $2,635

Category Winners: Cheapest Car Insurance in Winston, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Winston, Missouri

Insurance Company Low Medium High
Allstate $3,900 $4,032 $4,189
American Family $3,148 $3,325 $3,191
Farmers $3,814 $4,023 $4,343
GEICO $2,625 $2,797 $2,921
Liberty Mutual $4,153 $4,397 $4,585
Nationwide $2,024 $2,157 $2,236
Progressive $2,816 $3,109 $3,380
State Farm $2,332 $2,470 $2,588
USAA $2,526 $2,626 $2,752

What affects car insurance rates in Winston, Missouri?

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

Commute Time in Winston

The more time you spend in your car the higher the risk of an accident. The average commute length in Winston, MO is 26.4 minutes according to City-Data.

Traffic in Winston

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Winston, MO traffic data from INRIX ranks Winston as the 841st-most congested in the world.

Compare Car Insurance Quotes in Winston, MO

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

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