Best Richwoods, Missouri Auto Insurance in 2024
The average Richwoods, MO auto insurance rates are $296 per month. The minimum auto insurance in Richwoods is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Richwoods, Missouri, compare quotes from multiple companies.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Aug 21, 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: Aug 21, 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 Richwoods is Nationwide
- Average auto insurance rates in Richwoods, MO for senior drivers are $1,973 per year
- The minimum auto insurance required in Richwoods, Missouri is 25/50/25
Richwoods, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Richwoods 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 Richwoods, Missouri, including driving record, credit, commute time, and more.
Compare auto insurance in Richwoods to other Missouri cities, including Springfield auto insurance rates, O’Fallon auto insurance rates, and St. Peters auto insurance rates to see how Richwoods, Missouri auto insurance rates stack up.
Before you buy Richwoods, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Richwoods, Missouri auto insurance quotes.
Minimum Auto Insurance in Richwoods, Missouri
Richwoods, 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 Richwoods, 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 Richwoods, Missouri Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Richwoods, 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 | $3,119 | $3,016 | $2,808 | $2,897 | $8,761 | $9,509 | $2,981 | $3,075 |
| American Family | $2,213 | $2,213 | $1,971 | $1,971 | $6,087 | $7,918 | $2,213 | $2,586 |
| Farmers | $2,362 | $2,362 | $2,105 | $2,230 | $9,902 | $10,285 | $2,693 | $2,818 |
| Geico | $1,936 | $2,196 | $1,493 | $1,937 | $6,230 | $6,645 | $1,743 | $1,763 |
| Liberty Mutual | $2,754 | $2,983 | $2,263 | $2,537 | $9,746 | $10,821 | $2,902 | $3,098 |
| Nationwide | $1,476 | $1,507 | $1,320 | $1,398 | $3,784 | $4,845 | $1,688 | $1,825 |
| Progressive | $2,493 | $2,318 | $2,042 | $2,099 | $8,356 | $9,413 | $3,055 | $3,166 |
| State Farm | $2,082 | $2,082 | $1,851 | $1,851 | $5,890 | $7,416 | $2,337 | $2,680 |
| USAA | $1,503 | $1,488 | $1,359 | $1,379 | $4,499 | $5,488 | $1,862 | $2,065 |
Cheap Richwoods, Missouri Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Richwoods, Missouri is a challenge. Take a look at the annual teen auto insurance rates in Richwoods, Missouri.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,761 | $9,509 |
| American Family | $6,087 | $7,918 |
| Farmers | $9,902 | $10,285 |
| Geico | $6,230 | $6,645 |
| Liberty Mutual | $9,746 | $10,821 |
| Nationwide | $3,784 | $4,845 |
| Progressive | $8,356 | $9,413 |
| State Farm | $5,890 | $7,416 |
| USAA | $4,499 | $5,488 |
Cheap Richwoods, Missouri Auto Insurance for Seniors
What are senior auto insurance rates in Richwoods, 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 | $2,808 | $2,897 |
| American Family | $1,971 | $1,971 |
| Farmers | $2,105 | $2,230 |
| Geico | $1,493 | $1,937 |
| Liberty Mutual | $2,263 | $2,537 |
| Nationwide | $1,320 | $1,398 |
| Progressive | $2,042 | $2,099 |
| State Farm | $1,851 | $1,851 |
| USAA | $1,359 | $1,379 |
Cheap Richwoods, 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 Richwoods, Missouri compared to the annual auto insurance rates with a clean record in Richwoods, Missouri.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,873 | $4,376 | $5,447 | $4,387 |
| American Family | $2,544 | $3,661 | $4,477 | $2,904 |
| Farmers | $3,762 | $4,674 | $4,572 | $4,371 |
| Geico | $2,296 | $3,026 | $4,141 | $2,509 |
| Liberty Mutual | $3,359 | $4,841 | $4,984 | $5,368 |
| Nationwide | $1,751 | $2,249 | $3,005 | $1,917 |
| Progressive | $3,538 | $4,807 | $3,944 | $4,182 |
| State Farm | $3,017 | $3,531 | $3,274 | $3,274 |
| USAA | $1,960 | $2,389 | $3,328 | $2,146 |
Cheap Richwoods, Missouri Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Richwoods, Missouri is not easy. Compare the annual rates for DUI auto insurance in Richwoods, Missouri to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,447 |
| American Family | $4,477 |
| Farmers | $4,572 |
| Geico | $4,141 |
| Liberty Mutual | $4,984 |
| Nationwide | $3,005 |
| Progressive | $3,944 |
| State Farm | $3,274 |
| USAA | $3,328 |
Cheap Richwoods, Missouri Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Richwoods, Missouri annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,244 | $4,011 | $3,307 |
| American Family | $4,443 | $3,120 | $2,627 |
| Farmers | $4,959 | $4,138 | $3,937 |
| Geico | $4,134 | $2,692 | $2,153 |
| Liberty Mutual | $6,660 | $4,062 | $3,192 |
| Nationwide | $2,630 | $2,173 | $1,889 |
| Progressive | $4,756 | $3,947 | $3,649 |
| State Farm | $4,454 | $2,938 | $2,430 |
| USAA | $4,080 | $1,912 | $1,375 |
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Cheap Richwoods, Missouri Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Richwoods, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in Richwoods, Missouri to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 63071 | $2,936 |
Cheap Richwoods, Missouri Auto Insurance Rates By Commute
Commute length and annual mileage affect Richwoods, Missouri auto insurance. Find the cheapest annual Richwoods, Missouri auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,521 | $4,521 |
| American Family | $3,363 | $3,430 |
| Farmers | $4,345 | $4,345 |
| Geico | $2,939 | $3,047 |
| Liberty Mutual | $4,638 | $4,638 |
| Nationwide | $2,230 | $2,230 |
| Progressive | $4,118 | $4,118 |
| State Farm | $3,196 | $3,351 |
| USAA | $2,367 | $2,544 |
Cheap Richwoods, Missouri Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Richwoods, Missouri? Check out the comparison of annual Richwoods, Missouri auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,350 | $4,511 | $4,702 |
| American Family | $3,289 | $3,504 | $3,397 |
| Farmers | $4,045 | $4,296 | $4,692 |
| Geico | $2,812 | $3,011 | $3,156 |
| Liberty Mutual | $4,378 | $4,658 | $4,877 |
| Nationwide | $2,095 | $2,253 | $2,344 |
| Progressive | $3,726 | $4,123 | $4,504 |
| State Farm | $3,097 | $3,281 | $3,444 |
| USAA | $2,344 | $2,446 | $2,576 |
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Best By Category: Cheapest Auto Insurance in Richwoods, Missouri
Compare the cheapest auto insurance companies in Richwoods, 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 | Nationwide |
| With 1 Speeding Violation | Nationwide |
The Cheapest Richwoods, Missouri Auto Insurance Companies
What auto insurance companies in Richwoods, Missouri are the cheapest? Compare the top Richwoods, Missouri auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,521 |
| American Family | $3,397 |
| Farmers | $4,345 |
| Geico | $2,993 |
| Liberty Mutual | $4,638 |
| Nationwide | $2,231 |
| Progressive | $4,118 |
| State Farm | $3,274 |
| USAA | $2,456 |
Compare Richwoods, Missouri Auto Insurance Quotes
Before you buy Richwoods, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Richwoods, Missouri auto insurance quotes.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What is the minimum auto insurance coverage required in Richwoods, Missouri?
According to Missouri auto insurance laws, the minimum coverage required in Richwoods is 25/50/25, which means $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $25,000 property damage liability.
How do demographics like age, gender, and marital status affect auto insurance rates in Richwoods, Missouri?
Demographics such as age, gender, and marital status can impact auto insurance rates in Richwoods. Younger drivers, male drivers, and unmarried individuals may generally have higher insurance rates compared to older drivers, female drivers, and married individuals.
Are there affordable auto insurance options for teen drivers in Richwoods, Missouri?
Finding cheap auto insurance for teen drivers in Richwoods can be challenging. However, it’s important to compare rates from multiple companies to find the best options available. Teen drivers typically have higher insurance rates due to their lack of driving experience.
What are the average auto insurance rates for seniors in Richwoods, Missouri?
The average auto insurance rates for seniors in Richwoods, Missouri can vary depending on factors such as driving history, vehicle type, and coverage needs. It’s recommended for seniors to compare quotes from different insurers to find the most affordable rates.
How does a driving record affect auto insurance rates in Richwoods, Missouri?
Your driving record has a significant impact on auto insurance rates in Richwoods. Having a clean driving record with no accidents or traffic violations generally leads to lower insurance premiums. On the other hand, a bad driving record with incidents like accidents or speeding tickets can result in higher insurance rates.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
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.