Cheap Quotes for Hardin, MO Car Insurance (2021)

Hardin, Missouri car insurance rates average $267 a month and Missouri law requires coverage of at least 25/50/25. By comparing rates from multiple Hardin, MO companies, you can find cheap Hardin 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

  • Average car insurance rates in Hardin, MO for senior drivers are $1,798/year
  • Average car insurance rates in Hardin, MO after a DUI are $3,734/year
  • Hardin has an average commute time of 31.5 minutes

How do the Hardin, Missouri monthly average car insurance rates of $267/month compare to nearby cities like St. Charles car insurance rates, Independence car insurance rates, and St. Louis car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Hardin, MO.

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

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

What are the minimum Hardin, MO car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hardin, 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 $1,921 $1,921 $1,714 $1,714 $5,294 $6,871 $1,921 $2,241
Farmers $2,288 $2,281 $2,045 $2,164 $9,337 $9,661 $2,607 $2,728
GEICO $1,960 $2,185 $1,519 $1,922 $6,013 $6,375 $1,813 $1,834
Liberty Mutual $2,797 $3,035 $2,301 $2,581 $9,389 $10,427 $2,955 $3,161
Nationwide $1,364 $1,397 $1,218 $1,295 $3,422 $4,398 $1,553 $1,684
Progressive $1,881 $1,749 $1,541 $1,585 $6,130 $6,887 $2,294 $2,345
State Farm $1,591 $1,591 $1,421 $1,421 $4,585 $5,791 $1,790 $2,039
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

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

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

Annual Car Insurance Rates for Teen Drivers in Hardin, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,830 $8,498
American Family $5,294 $6,871
Farmers $9,337 $9,661
GEICO $6,013 $6,375
Liberty Mutual $9,389 $10,427
Nationwide $3,422 $4,398
Progressive $6,130 $6,887
State Farm $4,585 $5,791
USAA $4,587 $5,609

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

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

Annual Car Insurance Rates for Senior Drivers in Hardin, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,514 $2,592
American Family $1,714 $1,714
Farmers $2,045 $2,164
GEICO $1,519 $1,922
Liberty Mutual $2,301 $2,581
Nationwide $1,218 $1,295
Progressive $1,541 $1,585
State Farm $1,421 $1,421
USAA $1,391 $1,422

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

Annual Car Insurance Rates by Coverage Level in Hardin, Missouri

Insurance Company Low Medium High
Allstate $3,900 $4,032 $4,189
American Family $2,854 $3,043 $2,953
Farmers $3,881 $4,100 $4,435
GEICO $2,776 $2,973 $3,109
Liberty Mutual $4,340 $4,603 $4,799
Nationwide $1,923 $2,059 $2,142
Progressive $2,731 $3,058 $3,364
State Farm $2,369 $2,539 $2,679
USAA $2,420 $2,517 $2,640

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

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

Annual Hardin, 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 $2,190 $3,206 $3,895 $2,508
Farmers $3,592 $4,445 $4,349 $4,169
GEICO $2,324 $2,987 $3,986 $2,513
Liberty Mutual $3,336 $4,769 $4,930 $5,288
Nationwide $1,619 $2,058 $2,723 $1,765
Progressive $2,647 $3,534 $2,931 $3,094
State Farm $2,325 $2,732 $2,529 $2,529
USAA $2,036 $2,458 $3,392 $2,217

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

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

Annual Car Insurance Rates After a DUI in Hardin, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,875
American Family $3,895
Farmers $4,349
GEICO $3,986
Liberty Mutual $4,930
Nationwide $2,723
Progressive $2,931
State Farm $2,529
USAA $3,392

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

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

Annual Car Insurance Rates by Credit Score in Hardin, Missouri

Insurance Company Poor Fair Good
Allstate $5,571 $3,588 $2,962
American Family $3,849 $2,713 $2,287
Farmers $4,730 $3,939 $3,747
GEICO $4,078 $2,656 $2,124
Liberty Mutual $6,582 $4,005 $3,156
Nationwide $2,410 $1,985 $1,729
Progressive $3,532 $2,926 $2,696
State Farm $3,463 $2,263 $1,860
USAA $4,216 $1,958 $1,402

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

Hardin, 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 Hardin if you’re financing.

Annual Car Insurance Rates by Commute Length in Hardin, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,040 $4,040
American Family $2,921 $2,979
Farmers $4,139 $4,139
GEICO $2,895 $3,010
Liberty Mutual $4,581 $4,581
Nationwide $2,041 $2,041
Progressive $3,051 $3,051
State Farm $2,466 $2,591
USAA $2,433 $2,618

Who has the cheapest Hardin, MO car insurance rates?

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

Best Annual Car Insurance Rates by Company in Hardin, 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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What are the top Hardin, MO car insurance companies?

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

Average Annual Car Insurance Rates by Company in Hardin, Missouri

Insurance Company Average Annual Rates
Allstate $4,040
American Family $2,950
Farmers $4,139
GEICO $2,953
Liberty Mutual $4,581
Nationwide $2,041
Progressive $3,051
State Farm $2,529
USAA $2,526

What factors affect Hardin, MO car insurance rates?

Why are Hardin, Missouri car insurance rates different than rates in St. Charles or Independence? 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 Hardin, MO?

More time spent behind the wheel can lead to higher Hardin, Missouri car insurance rates. In Hardin, MO, the average commute length is 31.5 minutes.

Car Insurance Quotes for Hardin, MO

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