Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Hannibal for teen drivers is Nationwide
  • Average car insurance rates in Hannibal, MO for senior drivers are $1,747/year
  • The cheapest car insurance company in Hannibal after a DUI is State Farm

Average car insurance rates in Hannibal, Missouri are $257 a month. But with a little research you can get a great deal from the top car insurance companies in Hannibal, MO. Before you buy Hannibal, Missouri car insurance, make sure your coverage meets or exceeds the Missouri minimum of 25/50/25.

It may even be helpful to compare Hannibal car insurance rates with St. Louis car insurance rates, St. Charles car insurance rates, or St. Joseph car insurance rates to make sure you’re getting the best Hannibal, MO car insurance quotes available.

Need affordable Hannibal, MO car insurance? Enter your ZIP code to compare Hannibal car insurance quotes from multiple car insurance companies near you.

Hannibal, MO Minimum Car Insurance Coverage

Hannibal, Missouri law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Hannibal, 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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Hannibal, MO Car Insurance Rates by Coverage Level

Some Hannibal drivers can get by with the Missouri minimum coverage of 25/50/25. Other drivers may need more. See how much your Hannibal, Missouri car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Hannibal, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,811 $2,991 $2,895
Farmers $3,669 $3,871 $4,179
GEICO $2,504 $2,674 $2,798
Liberty Mutual $3,959 $4,215 $4,409
Nationwide $1,843 $1,974 $2,054
Progressive $2,754 $3,077 $3,377
State Farm $2,440 $2,607 $2,744
USAA $2,442 $2,545 $2,673

Hannibal, MO Car Insurance Rates by Age, Gender, and Marital Status

Hannibal, Missouri car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Hannibal, MO car insurance, get quotes from multiple car insurance companies in the Hannibal area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Hannibal, 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 $2,766 $2,681 $2,482 $2,562 $7,583 $8,206 $2,661 $2,753
American Family $1,903 $1,903 $1,694 $1,694 $5,159 $6,711 $1,903 $2,227
Farmers $2,193 $2,188 $1,965 $2,077 $8,720 $9,017 $2,488 $2,603
GEICO $1,785 $1,982 $1,390 $1,740 $5,343 $5,669 $1,668 $1,692
Liberty Mutual $2,566 $2,785 $2,115 $2,374 $8,583 $9,535 $2,706 $2,890
Nationwide $1,312 $1,343 $1,173 $1,246 $3,271 $4,201 $1,492 $1,617
Progressive $1,899 $1,769 $1,556 $1,600 $6,143 $6,903 $2,317 $2,368
State Farm $1,647 $1,647 $1,466 $1,466 $4,679 $5,916 $1,851 $2,106
USAA $1,568 $1,555 $1,412 $1,439 $4,644 $5,677 $1,954 $2,176

Hannibal, MO Car Insurance Rates for Teens

How much is Hannibal, Missouri car insurance for teens? Compare rates from top Hannibal car insurance companies below to help find the cheapest teen car insurance in Hannibal, MO.

Annual Car Insurance Rates for Teen Drivers in Hannibal, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,159 $6,711
Farmers $8,720 $9,017
GEICO $5,343 $5,669
Liberty Mutual $8,583 $9,535
Nationwide $3,271 $4,201
Progressive $6,143 $6,903
State Farm $4,679 $5,916
USAA $4,644 $5,677

Hannibal, MO Car Insurance Rates for Seniors

Before seniors buy Hannibal, Missouri car insurance, they should make sure to shop around. Some Hannibal, MO car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Hannibal, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,694 $1,694
Farmers $1,965 $2,077
GEICO $1,390 $1,740
Liberty Mutual $2,115 $2,374
Nationwide $1,173 $1,246
Progressive $1,556 $1,600
State Farm $1,466 $1,466
USAA $1,412 $1,439

Hannibal, MO Car Insurance Rates by Credit History

How does your credit history affect Hannibal, MO car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Hannibal, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,787 $2,665 $2,246
Farmers $4,471 $3,714 $3,534
GEICO $3,669 $2,392 $1,915
Liberty Mutual $6,020 $3,669 $2,894
Nationwide $2,309 $1,903 $1,658
Progressive $3,553 $2,943 $2,712
State Farm $3,536 $2,330 $1,926
USAA $4,253 $1,984 $1,423

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Hannibal, MO Car Insurance Rates by Driver History

How does a single speeding ticket affect your Hannibal, Missouri car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Hannibal.

Annual Hannibal, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,406 $3,835 $4,758 $3,848
American Family $2,174 $3,153 $3,794 $2,476
Farmers $3,412 $4,184 $4,097 $3,932
GEICO $2,119 $2,684 $3,549 $2,281
Liberty Mutual $3,059 $4,367 $4,512 $4,840
Nationwide $1,554 $1,972 $2,607 $1,694
Progressive $2,669 $3,547 $2,950 $3,111
State Farm $2,393 $2,802 $2,597 $2,597
USAA $2,050 $2,486 $3,437 $2,240

Hannibal, MO Car Insurance Rates With a DUI

Even a single DUI can increase your Hannibal, MO car insurance rates. Compare rates below to see which Hannibal car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Hannibal, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,794
Farmers $4,097
GEICO $3,549
Liberty Mutual $4,512
Nationwide $2,607
Progressive $2,950
State Farm $2,597
USAA $3,437

Hannibal, MO Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Hannibal, MO car insurance rates may be. Let’s take a look at average car insurance rates from top Hannibal companies based on commute time.

Annual Car Insurance Rates by Commute Length in Hannibal, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,871 $2,928
Farmers $3,906 $3,906
GEICO $2,605 $2,712
Liberty Mutual $4,194 $4,194
Nationwide $1,957 $1,957
Progressive $3,069 $3,069
State Farm $2,533 $2,661
USAA $2,461 $2,646

Hannibal, MO Cheapest Car Insurance Rates

How do the top Hannibal, Missouri car insurance companies’ average rates stack up against the Hannibal average monthly car insurance rates of $257? Take a look and see.

Best Annual Car Insurance Rates by Company in Hannibal, 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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Hannibal, MO Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Hannibal, Missouri car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Hannibal, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $2,899
Farmers $3,906
GEICO $2,659
Liberty Mutual $4,194
Nationwide $1,957
Progressive $3,069
State Farm $2,597
USAA $2,553

Other Factors Affecting Hannibal, MO Car Insurance Rates

Before you buy Hannibal, Missouri car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Hannibal, MO Commute Time

How does your Hannibal, MO commute time compare with the average driver? In Hannibal, the average commute is 15.7 minutes.

Hannibal, MO Car Insurance Quotes

Compare Hannibal, MO car insurance quotes from multiple companies by entering your ZIP code now.