Best Hermann, Missouri Auto Insurance in 2024
The average Hermann, MO auto insurance rates are $277 per month. The minimum auto insurance in Hermann is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Hermann, Missouri, compare quotes from multiple companies.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Sep 10, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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: Sep 10, 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 partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different 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
- The cheapest auto insurance company in Hermann is Nationwide
- The average commute length in Hermann is 22.0 minutes
- The most expensive auto insurance company in Hermann for teen drivers is Liberty Mutual
Hermann, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Hermann can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Hermann, Missouri, including driving record, credit, commute time, and more.
Compare auto insurance in Hermann to other Missouri cities, including O’Fallon auto insurance rates, St. Joseph auto insurance rates, and St. Charles auto insurance rates to see how Hermann, Missouri auto insurance rates stack up.
Before you buy Hermann, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Hermann, Missouri auto insurance quotes.
Minimum Auto Insurance in Hermann, Missouri
Hermann, Missouri auto insurance laws require that you have at least the Missouri minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Hermann, 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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Cheap Hermann, Missouri Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Hermann, Missouri are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $2,927 | $2,833 | $2,639 | $2,723 | $8,173 | $8,881 | $2,797 | $2,883 |
| American Family | $2,170 | $2,170 | $1,927 | $1,927 | $5,764 | $7,532 | $2,170 | $2,553 |
| Farmers | $2,328 | $2,322 | $2,083 | $2,201 | $9,376 | $9,702 | $2,657 | $2,791 |
| Geico | $1,969 | $2,196 | $1,528 | $1,925 | $5,977 | $6,355 | $1,825 | $1,853 |
| Liberty Mutual | $2,669 | $2,892 | $2,195 | $2,460 | $9,263 | $10,286 | $2,816 | $3,007 |
| Nationwide | $1,410 | $1,443 | $1,259 | $1,338 | $3,551 | $4,564 | $1,607 | $1,742 |
| Progressive | $2,116 | $1,984 | $1,729 | $1,776 | $6,690 | $7,533 | $2,586 | $2,676 |
| State Farm | $1,702 | $1,702 | $1,502 | $1,502 | $4,653 | $5,892 | $1,908 | $2,169 |
| USAA | $1,661 | $1,646 | $1,491 | $1,518 | $5,002 | $6,115 | $2,074 | $2,307 |
Cheap Hermann, Missouri Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Hermann, Missouri is a challenge. Take a look at the annual teen auto insurance rates in Hermann, Missouri.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,173 | $8,881 |
| American Family | $5,764 | $7,532 |
| Farmers | $9,376 | $9,702 |
| Geico | $5,977 | $6,355 |
| Liberty Mutual | $9,263 | $10,286 |
| Nationwide | $3,551 | $4,564 |
| Progressive | $6,690 | $7,533 |
| State Farm | $4,653 | $5,892 |
| USAA | $5,002 | $6,115 |
Cheap Hermann, Missouri Auto Insurance for Seniors
What are senior auto insurance rates in Hermann, Missouri? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,639 | $2,723 |
| American Family | $1,927 | $1,927 |
| Farmers | $2,083 | $2,201 |
| Geico | $1,528 | $1,925 |
| Liberty Mutual | $2,195 | $2,460 |
| Nationwide | $1,259 | $1,338 |
| Progressive | $1,729 | $1,776 |
| State Farm | $1,502 | $1,502 |
| USAA | $1,491 | $1,518 |
Cheap Hermann, Missouri Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Hermann, Missouri compared to the annual auto insurance rates with a clean record in Hermann, Missouri.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,633 | $4,101 | $5,086 | $4,108 |
| American Family | $2,502 | $3,534 | $4,244 | $2,827 |
| Farmers | $3,636 | $4,484 | $4,389 | $4,221 |
| Geico | $2,338 | $2,981 | $3,971 | $2,525 |
| Liberty Mutual | $3,231 | $4,639 | $4,783 | $5,142 |
| Nationwide | $1,674 | $2,131 | $2,825 | $1,826 |
| Progressive | $2,950 | $3,905 | $3,254 | $3,435 |
| State Farm | $2,434 | $2,823 | $2,629 | $2,629 |
| USAA | $2,179 | $2,649 | $3,694 | $2,385 |
Cheap Hermann, Missouri Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Hermann, Missouri is not easy. Compare the annual rates for DUI auto insurance in Hermann, Missouri to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,086 |
| American Family | $4,244 |
| Farmers | $4,389 |
| Geico | $3,971 |
| Liberty Mutual | $4,783 |
| Nationwide | $2,825 |
| Progressive | $3,254 |
| State Farm | $2,629 |
| USAA | $3,694 |
Cheap Hermann, Missouri Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Hermann, Missouri annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,838 | $3,757 | $3,101 |
| American Family | $4,289 | $3,008 | $2,533 |
| Farmers | $4,787 | $3,977 | $3,783 |
| Geico | $4,079 | $2,657 | $2,125 |
| Liberty Mutual | $6,384 | $3,896 | $3,066 |
| Nationwide | $2,496 | $2,057 | $1,790 |
| Progressive | $3,928 | $3,241 | $2,990 |
| State Farm | $3,522 | $2,374 | $1,990 |
| USAA | $4,567 | $2,109 | $1,505 |
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Cheap Hermann, Missouri Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Hermann, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in Hermann, Missouri to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 65041 | $2,734 |
Cheap Hermann, Missouri Auto Insurance Rates By Commute
Commute length and annual mileage affect Hermann, Missouri auto insurance. Find the cheapest annual Hermann, Missouri auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,232 | $4,232 |
| American Family | $3,243 | $3,310 |
| Farmers | $4,183 | $4,183 |
| Geico | $2,895 | $3,012 |
| Liberty Mutual | $4,449 | $4,449 |
| Nationwide | $2,114 | $2,114 |
| Progressive | $3,386 | $3,386 |
| State Farm | $2,566 | $2,692 |
| USAA | $2,630 | $2,824 |
Cheap Hermann, Missouri Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Hermann, Missouri? Check out the comparison of annual Hermann, Missouri auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,064 | $4,223 | $4,410 |
| American Family | $3,191 | $3,381 | $3,258 |
| Farmers | $3,934 | $4,144 | $4,469 |
| Geico | $2,783 | $2,970 | $3,107 |
| Liberty Mutual | $4,208 | $4,470 | $4,668 |
| Nationwide | $1,993 | $2,132 | $2,217 |
| Progressive | $3,099 | $3,394 | $3,666 |
| State Farm | $2,491 | $2,636 | $2,759 |
| USAA | $2,627 | $2,720 | $2,834 |
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Best By Category: Cheapest Auto Insurance in Hermann, Missouri
Compare the cheapest auto insurance companies in Hermann, Missouri in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | Nationwide |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
The Cheapest Hermann, Missouri Auto Insurance Companies
What auto insurance companies in Hermann, Missouri are the cheapest? Compare the top Hermann, Missouri auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,232 |
| American Family | $3,277 |
| Farmers | $4,183 |
| Geico | $2,954 |
| Liberty Mutual | $4,449 |
| Nationwide | $2,114 |
| Progressive | $3,386 |
| State Farm | $2,629 |
| USAA | $2,727 |
What affects auto insurance rates in Hermann, Missouri?
There are a lot of reasons why auto insurance rates in Hermann, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Hermann, Missouri. Many local factors may affect your Hermann auto insurance rates.
Hermann Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Hermann, Missouri commute length is 22.0 minutes according to City-Data.
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Compare Hermann, Missouri Auto Insurance Quotes
Before you buy Hermann, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Hermann, Missouri auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Hermann, MO?
Yes, auto insurance is mandatory in Hermann, MO, as it is in most states. The state requires drivers to carry liability insurance to cover damages they may cause to others in an accident.
What is liability insurance?
Liability insurance covers the cost of damages and injuries you cause to others in an accident. It typically includes bodily injury liability and property damage liability coverage.
What is collision coverage?
Collision coverage pays for the repair or replacement of your vehicle if it is damaged in a collision, regardless of who is at fault.
How are auto insurance rates determined in Hermann, MO?
Auto insurance rates in Hermann, MO, are determined by various factors, including your driving record, age, gender, marital status, vehicle make and model, annual mileage, coverage limits, and deductibles. Insurance providers also consider local factors like crime rates and accident statistics.
Can I customize my auto insurance policy?
Yes, you can customize your auto insurance policy to suit your specific needs. Insurance providers offer various coverage options and allow you to adjust your coverage limits, deductibles, and additional endorsements.
How can I find affordable auto insurance in Hermann, MO?
To find affordable auto insurance in Hermann, MO, you should compare quotes from multiple insurance providers. It’s also helpful to maintain a good driving record, consider higher deductibles, ask about discounts, and bundle your auto insurance with other policies.
What should I do after an accident in Hermann, MO?
After an accident in Hermann, MO, you should prioritize the safety of all parties involved. Then, exchange information with the other driver, gather evidence, and report the incident to your insurance provider. It’s crucial to cooperate with the claims process and provide accurate information.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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.