Buy Cheap Kirksville, MO Auto Insurance in 2024
Kirksville, MO auto insurance rates average $254 a month. Minimum auto insurance requirements in Kirksville, Missouri are 25/50/25 to comply with Missouri laws. To buy cheap auto insurance in Kirksville, MO, compare Kirksville auto insurance quotes from top companies.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Kirksville, MO are $254/month
- The most expensive auto insurance company in Kirksville after a DUI is Allstate
- Average auto insurance rates in Kirksville, MO for teens drivers are $5,914/year
Finding affordable Kirksville, Missouri auto insurance can be challenging, but everything you need to know to buy cheap Kirksville, MO auto insurance with confidence is right here. Auto insurance rates in Kirksville are affected by local factors as well as personal ones like your driving record.
See how Kirksville, MO car insurance rates compare to St. Charles auto insurance rates, Lee’s Summit auto insurance rates, and Blue Springs auto insurance rates before you read more about the cost of auto insurance in Kirksville.
Don’t buy Kirksville, MO auto insurance until you’ve compared rates. Get free Kirksville, Missouri auto insurance quotes when you enter your ZIP code above.
Kirksville, MO Minimum Auto Insurance Requirements
The required auto insurance in Kirksville, MO is 25/50/25 according to the auto insurance laws in Missouri. The minimum auto insurance in Kirksville, Missouri is outlined here.
| 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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Find Cheap Kirksville, MO Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Kirksville, MO. Take a look at Kirksville, Missouri auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,465 | $3,514 | $2,906 |
| American Family | $3,772 | $2,656 | $2,238 |
| Farmers | $4,318 | $3,580 | $3,407 |
| Geico | $3,669 | $2,392 | $1,915 |
| Liberty Mutual | $6,235 | $3,791 | $2,989 |
| Nationwide | $2,356 | $1,943 | $1,693 |
| Progressive | $3,336 | $2,762 | $2,544 |
| State Farm | $3,312 | $2,226 | $1,863 |
| USAA | $4,157 | $1,919 | $1,371 |
Buy Cheap Kirksville, MO Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Kirksville, Missouri auto insurance rates? Find out how car insurance rates in Kirksville, MO are impacted by demographics.
| 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 | $2,766 | $2,681 | $2,482 | $2,562 | $7,583 | $8,206 | $2,661 | $2,753 |
| American Family | $1,895 | $1,895 | $1,688 | $1,688 | $5,144 | $6,689 | $1,895 | $2,217 |
| Farmers | $2,118 | $2,116 | $1,899 | $2,006 | $8,393 | $8,683 | $2,406 | $2,523 |
| Geico | $1,785 | $1,982 | $1,390 | $1,740 | $5,343 | $5,669 | $1,668 | $1,692 |
| Liberty Mutual | $2,666 | $2,893 | $2,197 | $2,464 | $8,841 | $9,819 | $2,815 | $3,011 |
| Nationwide | $1,340 | $1,371 | $1,199 | $1,273 | $3,338 | $4,284 | $1,525 | $1,651 |
| Progressive | $1,780 | $1,653 | $1,458 | $1,500 | $5,785 | $6,495 | $2,168 | $2,209 |
| State Farm | $1,592 | $1,592 | $1,408 | $1,408 | $4,376 | $5,549 | $1,786 | $2,024 |
| USAA | $1,545 | $1,541 | $1,378 | $1,418 | $4,426 | $5,428 | $1,944 | $2,178 |
Buy Cheap Kirksville, MO Auto Insurance for Teen Drivers
Auto insurance for teenagers in Kirksville can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Kirksville, MO are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,583 | $8,206 |
| American Family | $5,144 | $6,689 |
| Farmers | $8,393 | $8,683 |
| Geico | $5,343 | $5,669 |
| Liberty Mutual | $8,841 | $9,819 |
| Nationwide | $3,338 | $4,284 |
| Progressive | $5,785 | $6,495 |
| State Farm | $4,376 | $5,549 |
| USAA | $4,426 | $5,428 |
Buy Cheap Kirksville, MO Auto Insurance for Seniors
You can save on senior auto insurance rates in Kirksville, Missouri by comparing Kirksville senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Kirksville, MO here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,482 | $2,562 |
| American Family | $1,688 | $1,688 |
| Farmers | $1,899 | $2,006 |
| Geico | $1,390 | $1,740 |
| Liberty Mutual | $2,197 | $2,464 |
| Nationwide | $1,199 | $1,273 |
| Progressive | $1,458 | $1,500 |
| State Farm | $1,408 | $1,408 |
| USAA | $1,378 | $1,418 |
Find Cheap Auto Insurance Rates in Kirksville, MO by Coverage Level
The amount of coverage you choose is a big factor in the cost of Kirksville, Missouri auto insurance. Compare Kirksville, MO auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,825 | $3,954 | $4,107 |
| American Family | $2,800 | $2,980 | $2,886 |
| Farmers | $3,537 | $3,732 | $4,035 |
| Geico | $2,504 | $2,674 | $2,798 |
| Liberty Mutual | $4,107 | $4,359 | $4,550 |
| Nationwide | $1,875 | $2,015 | $2,102 |
| Progressive | $2,574 | $2,888 | $3,181 |
| State Farm | $2,327 | $2,475 | $2,598 |
| USAA | $2,385 | $2,474 | $2,587 |
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Find Cheap Kirksville, MO Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Kirksville. Compare auto insurance rates in Kirksville, MO by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,962 | $3,962 |
| American Family | $2,860 | $2,917 |
| Farmers | $3,768 | $3,768 |
| Geico | $2,605 | $2,712 |
| Liberty Mutual | $4,338 | $4,338 |
| Nationwide | $1,997 | $1,997 |
| Progressive | $2,881 | $2,881 |
| State Farm | $2,406 | $2,527 |
| USAA | $2,390 | $2,574 |
Find Cheap Kirksville, MO Auto Insurance Rates by Driving Record
Auto insurance rates in Kirksville, Missouri are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Kirksville, MO, take a look at the average cost for various violations versus rates for a clean driving record in Kirksville.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,406 | $3,835 | $4,758 | $3,848 |
| American Family | $2,164 | $3,142 | $3,784 | $2,465 |
| Farmers | $3,295 | $4,032 | $3,948 | $3,797 |
| Geico | $2,119 | $2,684 | $3,549 | $2,281 |
| Liberty Mutual | $3,164 | $4,514 | $4,669 | $5,006 |
| Nationwide | $1,586 | $2,014 | $2,662 | $1,728 |
| Progressive | $2,502 | $3,333 | $2,768 | $2,921 |
| State Farm | $2,283 | $2,651 | $2,467 | $2,467 |
| USAA | $2,027 | $2,420 | $3,284 | $2,197 |
Find Cheap Kirksville, MO Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Kirksville, Missouri is higher than for a clean driving record. You can buy auto insurance after a DUI in Kirksville for less when you shop around and compare rates from multiple Kirksville, MO auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $4,758 |
| American Family | $3,784 |
| Farmers | $3,948 |
| Geico | $3,549 |
| Liberty Mutual | $4,669 |
| Nationwide | $2,662 |
| Progressive | $2,768 |
| State Farm | $2,467 |
| USAA | $3,284 |
Winners by Category: Where to Buy Cheap Auto Insurance in Kirksville, MO
Compare rates from the cheapest auto insurance companies in Kirksville, MO for your needs. Take a look at how Kirksville, Missouri auto insurance companies stack up for each category.
| 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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Find Cheap Kirksville, Missouri Auto Insurance Companies
If you’re looking for the cheapest Kirksville, MO auto insurance companies overall, you can compare them here. Find the best price for Kirksville, Missouri car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,962 |
| American Family | $2,889 |
| Farmers | $3,768 |
| Geico | $2,659 |
| Liberty Mutual | $4,338 |
| Nationwide | $1,997 |
| Progressive | $2,881 |
| State Farm | $2,467 |
| USAA | $2,482 |
What affects Kirksville, Missouri auto insurance rates?
Local factors affect auto insurance rates in Kirksville, MO, including traffic, theft statistics, and commute length. Take a look at the things that impact Kirksville auto insurance rates.
Commute Times in Kirksville
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Kirksville, MO is 14.3 minutes according to City-Data.
Compare Auto Insurance Quotes in Kirksville, MO
You can buy cheap Kirksville, MO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Kirksville, Missouri auto insurance quotes from top companies.
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Frequently Asked Questions
How can I find cheap auto insurance in Kirksville, MO?
To find cheap auto insurance in Kirksville, MO, consider the following five steps:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a clean driving record and avoid traffic violations.
- Opt for a higher deductible, which can lower your premium.
- Take advantage of any discounts you may qualify for, such as safe driver discounts or multi-policy discounts.
- Consider bundling your auto insurance with other policies, such as homeowners or renters insurance, to potentially save money.
Are there any specific auto insurance requirements in Kirksville, MO?
Yes, Missouri state law requires all drivers to carry liability insurance with minimum coverage limits of 25/50/10. This means you must have at least $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident, and $10,000 for property damage liability per accident. Additionally, uninsured motorist coverage is also required.
Are there any additional coverage options I should consider?
While the bare minimum of liability coverage is required, you may wish to examine extra coverage alternatives for further security. These can include the four most typical types of coverage:
- collision coverage
- comprehensive coverage
- medical payments coverage
- roadside assistance coverage
Discuss your specific needs with insurance providers to determine the best coverage options for you.
Does my credit score affect my auto insurance premium in Kirksville, MO?
Yes, in most states, including Missouri, insurance companies often consider your credit history when determining your auto insurance premium. Generally, individuals with better credit scores tend to receive lower insurance rates. It’s important to maintain good credit to potentially get cheaper auto insurance rates.
Can I get discounts on my auto insurance in Kirksville, MO?
Yes, many insurance companies offer various discounts that can help reduce your auto insurance premium. Four common discounts include:
- safe driver discounts
- good student discounts
- multi-policy discounts
- discounts for certain safety features in your car
Check with different insurance providers to see which discounts you may qualify for.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.