Cheap Quotes for Bell City, MO Car Insurance (2021)

Bell City, Missouri car insurance rates average $260 a month and Missouri law requires coverage of at least 25/50/25. By comparing rates from multiple Bell City, MO companies, you can find cheap Bell City car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 20, 2022

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Things to Know

  • Average car insurance rates in Bell City, MO after a DUI are $3,669/year
  • Average car insurance rates in Bell City, MO are $260/month
  • Average car insurance rates in Bell City, MO for senior drivers are $1,751/year

How do the Bell City, Missouri monthly average car insurance rates of $260/month compare to nearby cities like Independence car insurance rates, Kansas City car insurance rates, and Blue Springs car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Bell City, MO.

We’ll cover the Missouri minimum coverage requirements, Missouri car insurance laws, and Bell City, MO statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Bell City, Missouri companies to find the most affordable Bell City car insurance rates.

Enter your ZIP code above to find cheap Bell City, MO car insurance quotes today.

What are the minimum Bell City, MO car insurance requirements?

To meet Missouri minimum car insurance coverage requirements, Bell City, MO drivers need to carry at least 25/50/25 coverage.

Minimum Required Car Insurance Coverage in Bell City, 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

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How do age, gender, and marital status affect Bell City, MO car insurance rates?

Three of the criteria that most affect car insurance rates in Bell City, Missouri are age, gender, and marital status. Let’s take a look at how each of these stack up with top Bell City car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Bell City, 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 $2,076 $2,076 $1,848 $1,848 $5,646 $7,346 $2,076 $2,432
Farmers $2,160 $2,158 $1,924 $2,042 $9,117 $9,455 $2,465 $2,575
GEICO $1,634 $1,840 $1,281 $1,653 $5,140 $5,435 $1,491 $1,493
Liberty Mutual $2,546 $2,760 $2,101 $2,357 $8,887 $9,870 $2,676 $2,848
Nationwide $1,504 $1,532 $1,349 $1,425 $3,871 $4,940 $1,722 $1,858
Progressive $1,856 $1,721 $1,517 $1,564 $6,105 $6,860 $2,263 $2,319
State Farm $1,441 $1,441 $1,293 $1,293 $4,115 $5,186 $1,617 $1,838
USAA $1,612 $1,594 $1,457 $1,475 $4,904 $5,980 $1,996 $2,211

How much do teen drivers pay for car insurance in Bell City, MO?

Bell City, Missouri car insurance rates for teens are often higher than rates for other drivers. Compare Bell City car insurance rates from multiple Bell City, Missouri car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Bell City, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $5,646 $7,346
Farmers $9,117 $9,455
GEICO $5,140 $5,435
Liberty Mutual $8,887 $9,870
Nationwide $3,871 $4,940
Progressive $6,105 $6,860
State Farm $4,115 $5,186
USAA $4,904 $5,980

How much do senior drivers pay for car insurance in Bell City, MO?

With a little research, seniors can find affordable car insurance in Bell City, Missouri. Here’s a look at how the top Bell City car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Bell City, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,848 $1,848
Farmers $1,924 $2,042
GEICO $1,281 $1,653
Liberty Mutual $2,101 $2,357
Nationwide $1,349 $1,425
Progressive $1,517 $1,564
State Farm $1,293 $1,293
USAA $1,457 $1,475

How does coverage level affect Bell City, MO car insurance rates?

How much coverage do you need? Are you comfortable with the Missouri minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Bell City, MO car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Bell City, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $3,077 $3,269 $3,160
Farmers $3,708 $3,942 $4,310
GEICO $2,322 $2,513 $2,653
Liberty Mutual $3,997 $4,276 $4,494
Nationwide $2,131 $2,298 $2,396
Progressive $2,707 $3,031 $3,339
State Farm $2,120 $2,283 $2,431
USAA $2,536 $2,644 $2,781

How does your driving record affect Bell City, MO car insurance rates?

Safe driving pays off. The more traffic violations you have in Bell City, MO, the higher your car insurance rates will be. Compare rates based on driving infractions from top Bell City, Missouri companies.

Annual Bell City, 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 $2,379 $3,428 $4,158 $2,710
Farmers $3,444 $4,293 $4,198 $4,012
GEICO $1,933 $2,523 $3,427 $2,101
Liberty Mutual $3,089 $4,441 $4,571 $4,922
Nationwide $1,779 $2,294 $3,076 $1,951
Progressive $2,611 $3,518 $2,902 $3,072
State Farm $2,095 $2,461 $2,278 $2,278
USAA $2,107 $2,579 $3,619 $2,310

How does a DUI affect Bell City, MO car insurance rates?

With even one DUI on your record, you can see an increase in your Bell City, MO car insurance rates.

Annual Car Insurance Rates After a DUI in Bell City, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,790
American Family $4,158
Farmers $4,198
GEICO $3,427
Liberty Mutual $4,571
Nationwide $3,076
Progressive $2,902
State Farm $2,278
USAA $3,619

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How does your credit history affect Bell City, MO car insurance rates?

Take a look at the data here to see how your Bell City, Missouri car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Bell City, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $4,140 $2,913 $2,453
Farmers $4,550 $3,798 $3,612
GEICO $3,442 $2,246 $1,799
Liberty Mutual $6,103 $3,729 $2,935
Nationwide $2,679 $2,219 $1,927
Progressive $3,508 $2,898 $2,671
State Farm $3,116 $2,039 $1,678
USAA $4,414 $2,065 $1,482

How does your commute affect Bell City, MO car insurance rates?

Bell City, MO car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Missouri can be seen here. Remember, though, that you may have to carry substantially more car insurance in Bell City if you’re financing.

Annual Car Insurance Rates by Commute Length in Bell City, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,995 $3,995
American Family $3,137 $3,200
Farmers $3,987 $3,987
GEICO $2,449 $2,543
Liberty Mutual $4,256 $4,256
Nationwide $2,275 $2,275
Progressive $3,026 $3,026
State Farm $2,222 $2,334
USAA $2,559 $2,748

Who has the cheapest Bell City, MO car insurance rates?

Here’s a breakdown of Bell City, Missouri car insurance rates by company. You can see which company offers the cheapest Bell City car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Bell City, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors State Farm
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

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What are the top Bell City, MO car insurance companies?

Which Bell City, Missouri car insurance company will best fit your needs and budget? Check out this comparison of the top Bell City companies to find the one for you.

Average Annual Car Insurance Rates by Company in Bell City, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $3,169
Farmers $3,987
GEICO $2,496
Liberty Mutual $4,256
Nationwide $2,275
Progressive $3,026
State Farm $2,278
USAA $2,654

What factors affect Bell City, MO car insurance rates?

Why are Bell City, Missouri car insurance rates different than rates in Independence or Kansas City? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Bell City, MO?

More time spent behind the wheel can lead to higher Bell City, Missouri car insurance rates. In Bell City, MO, the average commute length is 26.1 minutes.

Car Insurance Quotes for Bell City, MO

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