Cheap Quotes for Tipton, MO Car Insurance (2021)

Tipton, Missouri car insurance rates average $259 a month and Missouri law requires coverage of at least 25/50/25. By comparing rates from multiple Tipton, MO companies, you can find cheap Tipton 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 Tipton, MO for senior drivers are $1,753/year
  • Average car insurance rates in Tipton, MO after a DUI are $3,630/year
  • Tipton has an average commute time of 28.3 minutes

How do the Tipton, Missouri monthly average car insurance rates of $259/month compare to nearby cities like Springfield car insurance rates, St. Joseph 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 Tipton, MO.

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

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

What are the minimum Tipton, MO car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Tipton, 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 $1,900 $1,900 $1,696 $1,696 $5,258 $6,818 $1,900 $2,215
Farmers $2,027 $2,017 $1,808 $1,923 $8,476 $8,748 $2,309 $2,402
GEICO $1,814 $2,025 $1,413 $1,793 $5,572 $5,898 $1,676 $1,690
Liberty Mutual $2,661 $2,886 $2,190 $2,457 $9,008 $10,006 $2,808 $3,002
Nationwide $1,377 $1,411 $1,230 $1,307 $3,461 $4,451 $1,569 $1,702
Progressive $1,967 $1,830 $1,609 $1,656 $6,407 $7,203 $2,400 $2,464
State Farm $1,568 $1,568 $1,390 $1,390 $4,349 $5,505 $1,759 $1,999
USAA $1,604 $1,598 $1,429 $1,469 $4,629 $5,676 $2,017 $2,258

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

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

Annual Car Insurance Rates for Teen Drivers in Tipton, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $5,258 $6,818
Farmers $8,476 $8,748
GEICO $5,572 $5,898
Liberty Mutual $9,008 $10,006
Nationwide $3,461 $4,451
Progressive $6,407 $7,203
State Farm $4,349 $5,505
USAA $4,629 $5,676

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

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

Annual Car Insurance Rates for Senior Drivers in Tipton, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,696 $1,696
Farmers $1,808 $1,923
GEICO $1,413 $1,793
Liberty Mutual $2,190 $2,457
Nationwide $1,230 $1,307
Progressive $1,609 $1,656
State Farm $1,390 $1,390
USAA $1,429 $1,469

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

Annual Car Insurance Rates by Coverage Level in Tipton, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $2,826 $3,015 $2,927
Farmers $3,458 $3,675 $4,009
GEICO $2,563 $2,754 $2,889
Liberty Mutual $4,137 $4,396 $4,599
Nationwide $1,946 $2,082 $2,163
Progressive $2,873 $3,199 $3,504
State Farm $2,302 $2,448 $2,572
USAA $2,491 $2,578 $2,686

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

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

Annual Tipton, 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 $2,163 $3,179 $3,868 $2,481
Farmers $3,207 $3,999 $3,910 $3,740
GEICO $2,149 $2,765 $3,701 $2,325
Liberty Mutual $3,185 $4,559 $4,709 $5,056
Nationwide $1,636 $2,080 $2,754 $1,784
Progressive $2,765 $3,700 $3,064 $3,238
State Farm $2,256 $2,626 $2,441 $2,441
USAA $2,105 $2,518 $3,432 $2,285

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

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

Annual Car Insurance Rates After a DUI in Tipton, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,790
American Family $3,868
Farmers $3,910
GEICO $3,701
Liberty Mutual $4,709
Nationwide $2,754
Progressive $3,064
State Farm $2,441
USAA $3,432

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

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

Annual Car Insurance Rates by Credit Score in Tipton, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $3,813 $2,689 $2,267
Farmers $4,243 $3,536 $3,362
GEICO $3,775 $2,461 $1,969
Liberty Mutual $6,291 $3,827 $3,014
Nationwide $2,436 $2,007 $1,748
Progressive $3,696 $3,059 $2,820
State Farm $3,291 $2,199 $1,833
USAA $4,340 $1,994 $1,421

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

Tipton, 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 Tipton if you’re financing.

Annual Car Insurance Rates by Commute Length in Tipton, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,995 $3,995
American Family $2,894 $2,951
Farmers $3,714 $3,714
GEICO $2,682 $2,788
Liberty Mutual $4,377 $4,377
Nationwide $2,063 $2,063
Progressive $3,192 $3,192
State Farm $2,382 $2,500
USAA $2,491 $2,680

Who has the cheapest Tipton, MO car insurance rates?

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

Best Annual Car Insurance Rates by Company in Tipton, 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 Tipton, MO car insurance companies?

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

Average Annual Car Insurance Rates by Company in Tipton, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $2,923
Farmers $3,714
GEICO $2,735
Liberty Mutual $4,377
Nationwide $2,063
Progressive $3,192
State Farm $2,441
USAA $2,585

What factors affect Tipton, MO car insurance rates?

Why are Tipton, Missouri car insurance rates different than rates in Springfield or St. Joseph? 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 Tipton, MO?

More time spent behind the wheel can lead to higher Tipton, Missouri car insurance rates. In Tipton, MO, the average commute length is 28.3 minutes.

Car Insurance Quotes for Tipton, MO

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