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 Theodosia after a DUI is State Farm
  • Average car insurance rates in Theodosia, MO for senior drivers are $1,912/year
  • Average car insurance rates in Theodosia, MO are $284/month

Average car insurance rates in Theodosia, Missouri are $284 a month. But with a little research you can get a great deal from the top car insurance companies in Theodosia, MO. Before you buy Theodosia, Missouri car insurance, make sure your coverage meets or exceeds the Missouri minimum of 25/50/25.

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

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

Theodosia, MO Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Theodosia, Missouri

Insurance Company Low Medium High
Allstate $3,916 $4,066 $4,243
American Family $3,077 $3,278 $3,178
Farmers $4,331 $4,557 $4,908
GEICO $2,930 $3,129 $3,268
Liberty Mutual $4,206 $4,456 $4,646
Nationwide $1,970 $2,118 $2,208
Progressive $3,522 $3,828 $4,115
State Farm $2,663 $2,832 $2,977
USAA $2,414 $2,520 $2,654

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Theodosia, 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 $2,796 $2,698 $2,526 $2,605 $7,952 $8,623 $2,660 $2,739
American Family $2,064 $2,064 $1,840 $1,840 $5,720 $7,421 $2,064 $2,408
Farmers $2,581 $2,582 $2,313 $2,438 $10,228 $10,607 $2,941 $3,097
GEICO $2,083 $2,313 $1,614 $2,024 $6,264 $6,648 $1,947 $1,978
Liberty Mutual $2,683 $2,908 $2,206 $2,471 $9,173 $10,183 $2,834 $3,032
Nationwide $1,393 $1,421 $1,251 $1,321 $3,555 $4,537 $1,592 $1,717
Progressive $2,386 $2,243 $1,946 $2,000 $7,532 $8,497 $2,922 $3,046
State Farm $1,789 $1,789 $1,594 $1,594 $5,097 $6,420 $2,010 $2,300
USAA $1,556 $1,542 $1,404 $1,428 $4,603 $5,620 $1,932 $2,146

Theodosia, MO Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Theodosia, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,952 $8,623
American Family $5,720 $7,421
Farmers $10,228 $10,607
GEICO $6,264 $6,648
Liberty Mutual $9,173 $10,183
Nationwide $3,555 $4,537
Progressive $7,532 $8,497
State Farm $5,097 $6,420
USAA $4,603 $5,620

Theodosia, MO Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Theodosia, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,526 $2,605
American Family $1,840 $1,840
Farmers $2,313 $2,438
GEICO $1,614 $2,024
Liberty Mutual $2,206 $2,471
Nationwide $1,251 $1,321
Progressive $1,946 $2,000
State Farm $1,594 $1,594
USAA $1,404 $1,428

Theodosia, MO Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Theodosia, Missouri

Insurance Company Poor Fair Good
Allstate $5,619 $3,619 $2,986
American Family $4,148 $2,923 $2,462
Farmers $5,267 $4,370 $4,159
GEICO $4,296 $2,796 $2,235
Liberty Mutual $6,374 $3,880 $3,054
Nationwide $2,473 $2,045 $1,777
Progressive $4,436 $3,655 $3,374
State Farm $3,853 $2,531 $2,088
USAA $4,206 $1,968 $1,413

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Theodosia, MO Car Insurance Rates by Driver History

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

Annual Theodosia, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,480 $3,940 $4,926 $3,953
American Family $2,357 $3,439 $4,212 $2,702
Farmers $4,019 $4,919 $4,818 $4,638
GEICO $2,477 $3,138 $4,152 $2,668
Liberty Mutual $3,224 $4,622 $4,772 $5,126
Nationwide $1,648 $2,116 $2,826 $1,804
Progressive $3,321 $4,415 $3,669 $3,880
State Farm $2,600 $3,048 $2,824 $2,824
USAA $2,029 $2,462 $3,409 $2,217

Theodosia, MO Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Theodosia, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,926
American Family $4,212
Farmers $4,818
GEICO $4,152
Liberty Mutual $4,772
Nationwide $2,826
Progressive $3,669
State Farm $2,824
USAA $3,409

Theodosia, MO Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Theodosia, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,075 $4,075
American Family $3,146 $3,209
Farmers $4,599 $4,599
GEICO $3,046 $3,172
Liberty Mutual $4,436 $4,436
Nationwide $2,099 $2,099
Progressive $3,822 $3,822
State Farm $2,757 $2,892
USAA $2,437 $2,620

Theodosia, MO Cheapest Car Insurance Rates

How do the top Theodosia, Missouri car insurance companies’ average rates stack up against the Theodosia average monthly car insurance rates of $284? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Theodosia, Missouri

Insurance Company Average Annual Rates
Allstate $4,075
American Family $3,178
Farmers $4,599
GEICO $3,109
Liberty Mutual $4,436
Nationwide $2,099
Progressive $3,822
State Farm $2,824
USAA $2,529

Other Factors Affecting Theodosia, MO Car Insurance Rates

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

Theodosia, MO Commute Time

How does your Theodosia, MO commute time compare with the average driver? In Theodosia, the average commute is 15.4 minutes.

Theodosia, MO Car Insurance Quotes

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