Cheap Quotes for Waynesville, MO Car Insurance (2021)

Waynesville, Missouri car insurance rates average $257 a month and Missouri law requires coverage of at least 25/50/25. By comparing rates from multiple Waynesville, MO companies, you can find cheap Waynesville 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 Waynesville, MO for senior drivers are $1,720/year
  • The cheapest car insurance company in Waynesville is Nationwide
  • Waynesville has an average commute time of 21.9 minutes

How do the Waynesville, Missouri monthly average car insurance rates of $257/month compare to nearby cities like Blue Springs car insurance rates, St. Joseph car insurance rates, and Springfield car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Waynesville, MO.

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

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

What are the minimum Waynesville, MO car insurance requirements?

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

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Waynesville, 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 $1,940 $1,940 $1,732 $1,732 $5,362 $6,952 $1,940 $2,262
Farmers $2,218 $2,208 $1,980 $2,097 $9,134 $9,445 $2,533 $2,652
GEICO $1,613 $1,815 $1,252 $1,608 $5,096 $5,411 $1,466 $1,476
Liberty Mutual $2,560 $2,774 $2,110 $2,363 $8,836 $9,804 $2,698 $2,881
Nationwide $1,313 $1,338 $1,180 $1,245 $3,358 $4,280 $1,501 $1,618
Progressive $1,877 $1,730 $1,541 $1,586 $6,374 $7,150 $2,288 $2,333
State Farm $1,507 $1,507 $1,349 $1,349 $4,409 $5,538 $1,697 $1,953
USAA $1,581 $1,564 $1,429 $1,449 $4,782 $5,836 $1,961 $2,176

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

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

Annual Car Insurance Rates for Teen Drivers in Waynesville, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,369 $7,979
American Family $5,362 $6,952
Farmers $9,134 $9,445
GEICO $5,096 $5,411
Liberty Mutual $8,836 $9,804
Nationwide $3,358 $4,280
Progressive $6,374 $7,150
State Farm $4,409 $5,538
USAA $4,782 $5,836

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

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

Annual Car Insurance Rates for Senior Drivers in Waynesville, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,437 $2,515
American Family $1,732 $1,732
Farmers $1,980 $2,097
GEICO $1,252 $1,608
Liberty Mutual $2,110 $2,363
Nationwide $1,180 $1,245
Progressive $1,541 $1,586
State Farm $1,349 $1,349
USAA $1,429 $1,449

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

Annual Car Insurance Rates by Coverage Level in Waynesville, Missouri

Insurance Company Low Medium High
Allstate $3,735 $3,865 $4,018
American Family $2,887 $3,077 $2,984
Farmers $3,783 $3,996 $4,322
GEICO $2,314 $2,483 $2,604
Liberty Mutual $4,022 $4,273 $4,465
Nationwide $1,858 $1,998 $2,081
Progressive $2,762 $3,117 $3,450
State Farm $2,276 $2,421 $2,544
USAA $2,480 $2,588 $2,724

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

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

Annual Waynesville, 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 $2,208 $3,240 $3,950 $2,533
Farmers $3,488 $4,337 $4,241 $4,067
GEICO $1,907 $2,496 $3,389 $2,077
Liberty Mutual $3,088 $4,434 $4,573 $4,918
Nationwide $1,552 $1,996 $2,669 $1,700
Progressive $2,676 $3,628 $2,981 $3,154
State Farm $2,214 $2,613 $2,413 $2,413
USAA $2,066 $2,526 $3,531 $2,265

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

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

Annual Car Insurance Rates After a DUI in Waynesville, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,637
American Family $3,950
Farmers $4,241
GEICO $3,389
Liberty Mutual $4,573
Nationwide $2,669
Progressive $2,981
State Farm $2,413
USAA $3,531

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

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

Annual Car Insurance Rates by Credit Score in Waynesville, Missouri

Insurance Company Poor Fair Good
Allstate $5,341 $3,435 $2,842
American Family $3,889 $2,745 $2,315
Farmers $4,609 $3,840 $3,652
GEICO $3,402 $2,221 $1,779
Liberty Mutual $6,106 $3,724 $2,930
Nationwide $2,328 $1,930 $1,679
Progressive $3,589 $2,986 $2,755
State Farm $3,328 $2,153 $1,759
USAA $4,316 $2,022 $1,453

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

Waynesville, 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 Waynesville if you’re financing.

Annual Car Insurance Rates by Commute Length in Waynesville, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,873 $3,873
American Family $2,954 $3,012
Farmers $4,033 $4,033
GEICO $2,423 $2,512
Liberty Mutual $4,253 $4,253
Nationwide $1,979 $1,979
Progressive $3,110 $3,110
State Farm $2,356 $2,471
USAA $2,504 $2,690

Who has the cheapest Waynesville, MO car insurance rates?

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

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

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

Average Annual Car Insurance Rates by Company in Waynesville, Missouri

Insurance Company Average Annual Rates
Allstate $3,873
American Family $2,983
Farmers $4,033
GEICO $2,467
Liberty Mutual $4,253
Nationwide $1,979
Progressive $3,110
State Farm $2,413
USAA $2,597

What factors affect Waynesville, MO car insurance rates?

Why are Waynesville, Missouri car insurance rates different than rates in Blue Springs 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 Waynesville, MO?

More time spent behind the wheel can lead to higher Waynesville, Missouri car insurance rates. In Waynesville, MO, the average commute length is 21.9 minutes.

Car Insurance Quotes for Waynesville, MO

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