Compare Zalma, MO Car Insurance Rates (2021)

Car insurance in Zalma, MO averages $276 a month. Zalma, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Zalma car insurance rates, compare quotes from the top car insurance companies in Zalma, 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 Zalma, MO are $3,307/year
  • Average car insurance rates in Zalma, MO after a DUI are $3,858/year
  • The cheapest car insurance company in Zalma for teen drivers is Nationwide

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

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

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

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

How do age, gender, and marital status affect Zalma, MO car insurance rates? Every Zalma, 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 Zalma, 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 $2,130 $2,130 $1,899 $1,899 $5,879 $7,635 $2,130 $2,485
Farmers $2,271 $2,272 $2,029 $2,147 $9,322 $9,672 $2,582 $2,700
GEICO $1,880 $2,106 $1,462 $1,859 $5,788 $6,147 $1,734 $1,754
Liberty Mutual $2,642 $2,863 $2,176 $2,438 $9,195 $10,209 $2,783 $2,970
Nationwide $1,476 $1,507 $1,320 $1,398 $3,784 $4,845 $1,688 $1,825
Progressive $2,294 $2,147 $1,875 $1,928 $7,381 $8,319 $2,809 $2,906
State Farm $1,678 $1,678 $1,495 $1,495 $4,780 $6,035 $1,885 $2,149
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 Zalma, MO

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

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

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

Annual Car Insurance Rates by Credit Score in Zalma, Missouri

Insurance Company Poor Fair Good
Allstate $5,341 $3,435 $2,842
American Family $4,276 $3,008 $2,535
Farmers $4,712 $3,926 $3,735
GEICO $3,923 $2,556 $2,045
Liberty Mutual $6,332 $3,860 $3,036
Nationwide $2,630 $2,173 $1,889
Progressive $4,295 $3,550 $3,277
State Farm $3,612 $2,375 $1,961
USAA $4,414 $2,065 $1,482

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

Annual Zalma, 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 $2,440 $3,536 $4,326 $2,791
Farmers $3,588 $4,429 $4,334 $4,147
GEICO $2,232 $2,868 $3,849 $2,417
Liberty Mutual $3,199 $4,599 $4,739 $5,100
Nationwide $1,751 $2,249 $3,005 $1,917
Progressive $3,215 $4,293 $3,559 $3,763
State Farm $2,439 $2,859 $2,649 $2,649
USAA $2,107 $2,579 $3,619 $2,310

Cheapest Zalma, MO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Zalma, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,369 $7,979
American Family $5,879 $7,635
Farmers $9,322 $9,672
GEICO $5,788 $6,147
Liberty Mutual $9,195 $10,209
Nationwide $3,784 $4,845
Progressive $7,381 $8,319
State Farm $4,780 $6,035
USAA $4,904 $5,980

Cheapest Zalma, MO Car Insurance for Seniors

Take a look at Zalma, 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 Zalma, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,437 $2,515
American Family $1,899 $1,899
Farmers $2,029 $2,147
GEICO $1,462 $1,859
Liberty Mutual $2,176 $2,438
Nationwide $1,320 $1,398
Progressive $1,875 $1,928
State Farm $1,495 $1,495
USAA $1,457 $1,475

Cheapest Zalma, MO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Zalma, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,637
American Family $4,326
Farmers $4,334
GEICO $3,849
Liberty Mutual $4,739
Nationwide $3,005
Progressive $3,559
State Farm $2,649
USAA $3,619

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Cheapest Zalma, MO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Zalma, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,873 $3,873
American Family $3,241 $3,305
Farmers $4,124 $4,124
GEICO $2,786 $2,897
Liberty Mutual $4,409 $4,409
Nationwide $2,230 $2,230
Progressive $3,707 $3,707
State Farm $2,585 $2,714
USAA $2,559 $2,748

The Best Cheap Car Insurance Companies in Zalma, MO

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

Average Annual Car Insurance Rates by Company in Zalma, Missouri

Insurance Company Average Annual Rates
Allstate $3,873
American Family $3,273
Farmers $4,124
GEICO $2,841
Liberty Mutual $4,409
Nationwide $2,231
Progressive $3,707
State Farm $2,649
USAA $2,654

Category Winners: Cheapest Car Insurance in Zalma, Missouri

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

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

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

Annual Car Insurance Rates by Coverage Level in Zalma, Missouri

Insurance Company Low Medium High
Allstate $3,735 $3,865 $4,018
American Family $3,167 $3,376 $3,277
Farmers $3,849 $4,081 $4,443
GEICO $2,667 $2,858 $2,998
Liberty Mutual $4,161 $4,429 $4,638
Nationwide $2,095 $2,253 $2,344
Progressive $3,371 $3,713 $4,038
State Farm $2,490 $2,659 $2,800
USAA $2,536 $2,644 $2,781

What affects car insurance rates in Zalma, Missouri?

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

Commute Time in Zalma

The more time you spend in your car the higher the risk of an accident. The average commute length in Zalma, MO is 27.7 minutes according to City-Data.

Compare Car Insurance Quotes in Zalma, MO

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

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