A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

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: Jun 7, 2022

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Just What's Essential

  • The cheapest car insurance company in Macon for teen drivers is Nationwide
  • The cheapest car insurance company in Macon after a DUI is State Farm
  • Average car insurance rates in Macon, MO are $258/month

Average car insurance rates in Macon, Missouri are $258 a month. But with a little research you can get a great deal from the top car insurance companies in Macon, MO. Before you buy Macon, Missouri car insurance, make sure your coverage meets or exceeds the Missouri minimum of 25/50/25.

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

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

Macon, MO Minimum Car Insurance Coverage

Macon, 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 Macon, 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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Macon, MO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Macon, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,878 $3,061 $2,962
Farmers $3,899 $4,115 $4,447
GEICO $2,504 $2,674 $2,798
Liberty Mutual $3,994 $4,238 $4,419
Nationwide $1,922 $2,053 $2,134
Progressive $2,857 $3,183 $3,489
State Farm $2,137 $2,258 $2,361
USAA $2,385 $2,474 $2,587

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Macon, 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 $1,942 $1,942 $1,729 $1,729 $5,296 $6,883 $1,942 $2,272
Farmers $2,321 $2,319 $2,078 $2,195 $9,289 $9,623 $2,637 $2,765
GEICO $1,785 $1,982 $1,390 $1,740 $5,343 $5,669 $1,668 $1,692
Liberty Mutual $2,580 $2,797 $2,126 $2,383 $8,634 $9,584 $2,723 $2,910
Nationwide $1,368 $1,406 $1,218 $1,300 $3,384 $4,370 $1,554 $1,691
Progressive $1,981 $1,853 $1,622 $1,667 $6,302 $7,091 $2,420 $2,477
State Farm $1,488 $1,488 $1,304 $1,304 $3,912 $4,980 $1,663 $1,876
USAA $1,545 $1,541 $1,378 $1,418 $4,426 $5,428 $1,944 $2,178

Macon, MO Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Macon, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,296 $6,883
Farmers $9,289 $9,623
GEICO $5,343 $5,669
Liberty Mutual $8,634 $9,584
Nationwide $3,384 $4,370
Progressive $6,302 $7,091
State Farm $3,912 $4,980
USAA $4,426 $5,428

Macon, MO Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Macon, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,729 $1,729
Farmers $2,078 $2,195
GEICO $1,390 $1,740
Liberty Mutual $2,126 $2,383
Nationwide $1,218 $1,300
Progressive $1,622 $1,667
State Farm $1,304 $1,304
USAA $1,378 $1,418

Macon, MO Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Macon, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,873 $2,728 $2,299
Farmers $4,752 $3,950 $3,759
GEICO $3,669 $2,392 $1,915
Liberty Mutual $6,054 $3,688 $2,908
Nationwide $2,409 $1,977 $1,723
Progressive $3,680 $3,044 $2,805
State Farm $2,967 $2,048 $1,741
USAA $4,157 $1,919 $1,371

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Macon, MO Car Insurance Rates by Driver History

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

Annual Macon, 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 $2,217 $3,222 $3,898 $2,530
Farmers $3,625 $4,450 $4,357 $4,182
GEICO $2,119 $2,684 $3,549 $2,281
Liberty Mutual $3,073 $4,390 $4,537 $4,867
Nationwide $1,628 $2,052 $2,696 $1,769
Progressive $2,770 $3,661 $3,055 $3,220
State Farm $2,096 $2,408 $2,252 $2,252
USAA $2,027 $2,420 $3,284 $2,197

Macon, MO Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Macon, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,758
American Family $3,898
Farmers $4,357
GEICO $3,549
Liberty Mutual $4,537
Nationwide $2,696
Progressive $3,055
State Farm $2,252
USAA $3,284

Macon, MO Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Macon, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,938 $2,996
Farmers $4,153 $4,153
GEICO $2,605 $2,712
Liberty Mutual $4,217 $4,217
Nationwide $2,036 $2,036
Progressive $3,177 $3,177
State Farm $2,197 $2,307
USAA $2,390 $2,574

Macon, MO Cheapest Car Insurance Rates

How do the top Macon, Missouri car insurance companies’ average rates stack up against the Macon average monthly car insurance rates of $258? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Macon, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $2,967
Farmers $4,153
GEICO $2,659
Liberty Mutual $4,217
Nationwide $2,036
Progressive $3,177
State Farm $2,252
USAA $2,482

Other Factors Affecting Macon, MO Car Insurance Rates

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

Macon, MO Commute Time

How does your Macon, MO commute time compare with the average driver? In Macon, the average commute is 17.2 minutes.

Macon, MO Traffic

Spending time in Macon traffic can lead to higher car insurance rates. According to INRIX data, Macon, MO ranks as the 527th-most congested with traffic in the world.

Macon, MO Car Insurance Quotes

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