Cheap Quotes for Clarkton, MO Car Insurance (2021)

Clarkton, Missouri car insurance rates average $263 a month and Missouri law requires coverage of at least 25/50/25. By comparing rates from multiple Clarkton, MO companies, you can find cheap Clarkton 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

UPDATED: Aug 4, 2021

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Things to Know

  • Clarkton has an average commute time of 35.0 minutes
  • Average car insurance rates in Clarkton, MO are $263/month
  • Average car insurance rates in Clarkton, MO after a DUI are $3,722/year

How do the Clarkton, Missouri monthly average car insurance rates of $263/month compare to nearby cities like Independence car insurance rates, Lee’s Summit car insurance rates, and St. Charles car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Clarkton, MO.

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

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

What are the minimum Clarkton, MO car insurance requirements?

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

Minimum Required Car Insurance Coverage in Clarkton, 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 Clarkton, MO car insurance rates?

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Clarkton, 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 $2,053 $2,053 $1,832 $1,832 $5,700 $7,391 $2,053 $2,394
Farmers $2,160 $2,158 $1,929 $2,044 $8,912 $9,236 $2,455 $2,563
GEICO $1,661 $1,873 $1,304 $1,689 $5,247 $5,541 $1,516 $1,516
Liberty Mutual $2,517 $2,728 $2,082 $2,335 $8,713 $9,673 $2,642 $2,811
Nationwide $1,656 $1,688 $1,484 $1,567 $4,356 $5,559 $1,903 $2,053
Progressive $1,715 $1,577 $1,404 $1,450 $5,824 $6,531 $2,088 $2,124
State Farm $1,584 $1,584 $1,426 $1,426 $4,656 $5,860 $1,783 $2,035
USAA $1,642 $1,624 $1,486 $1,505 $4,976 $6,070 $2,032 $2,253

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

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

Annual Car Insurance Rates for Teen Drivers in Clarkton, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $5,700 $7,391
Farmers $8,912 $9,236
GEICO $5,247 $5,541
Liberty Mutual $8,713 $9,673
Nationwide $4,356 $5,559
Progressive $5,824 $6,531
State Farm $4,656 $5,860
USAA $4,976 $6,070

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

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

Annual Car Insurance Rates for Senior Drivers in Clarkton, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,832 $1,832
Farmers $1,929 $2,044
GEICO $1,304 $1,689
Liberty Mutual $2,082 $2,335
Nationwide $1,484 $1,567
Progressive $1,404 $1,450
State Farm $1,426 $1,426
USAA $1,486 $1,505

How does coverage level affect Clarkton, 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 Clarkton, MO car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Clarkton, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $3,062 $3,263 $3,165
Farmers $3,664 $3,890 $4,242
GEICO $2,359 $2,562 $2,709
Liberty Mutual $3,929 $4,208 $4,426
Nationwide $2,381 $2,558 $2,660
Progressive $2,505 $2,844 $3,168
State Farm $2,369 $2,554 $2,711
USAA $2,564 $2,687 $2,844

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

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

Annual Clarkton, 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 $2,342 $3,425 $4,198 $2,688
Farmers $3,416 $4,225 $4,134 $3,954
GEICO $1,967 $2,569 $3,499 $2,138
Liberty Mutual $3,040 $4,369 $4,498 $4,844
Nationwide $1,968 $2,555 $3,446 $2,164
Progressive $2,435 $3,320 $2,719 $2,883
State Farm $2,332 $2,756 $2,544 $2,544
USAA $2,145 $2,626 $3,673 $2,350

How does a DUI affect Clarkton, MO car insurance rates?

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

Annual Car Insurance Rates After a DUI in Clarkton, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,790
American Family $4,198
Farmers $4,134
GEICO $3,499
Liberty Mutual $4,498
Nationwide $3,446
Progressive $2,719
State Farm $2,544
USAA $3,673

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

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

Annual Car Insurance Rates by Credit Score in Clarkton, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $4,127 $2,910 $2,453
Farmers $4,492 $3,743 $3,561
GEICO $3,508 $2,289 $1,833
Liberty Mutual $6,008 $3,668 $2,887
Nationwide $2,987 $2,471 $2,141
Progressive $3,286 $2,723 $2,508
State Farm $3,517 $2,267 $1,848
USAA $4,472 $2,106 $1,517

How does your commute affect Clarkton, MO car insurance rates?

Clarkton, 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 Clarkton if you’re financing.

Annual Car Insurance Rates by Commute Length in Clarkton, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,995 $3,995
American Family $3,132 $3,194
Farmers $3,932 $3,932
GEICO $2,495 $2,591
Liberty Mutual $4,188 $4,188
Nationwide $2,533 $2,533
Progressive $2,839 $2,839
State Farm $2,482 $2,607
USAA $2,600 $2,797

Who has the cheapest Clarkton, MO car insurance rates?

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

Best Annual Car Insurance Rates by Company in Clarkton, Missouri

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

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What are the top Clarkton, MO car insurance companies?

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

Average Annual Car Insurance Rates by Company in Clarkton, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $3,163
Farmers $3,932
GEICO $2,543
Liberty Mutual $4,188
Nationwide $2,533
Progressive $2,839
State Farm $2,544
USAA $2,699

What factors affect Clarkton, MO car insurance rates?

Why are Clarkton, Missouri car insurance rates different than rates in Independence or Lee’s Summit? 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 Clarkton, MO?

More time spent behind the wheel can lead to higher Clarkton, Missouri car insurance rates. In Clarkton, MO, the average commute length is 35.0 minutes.

Car Insurance Quotes for Clarkton, MO

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