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: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Warsaw, MO are $269/month
  • The cheapest car insurance company in Warsaw for teen drivers is Nationwide
  • The cheapest car insurance company in Warsaw after a DUI is State Farm

Average car insurance rates in Warsaw, Missouri are $269 a month. But with a little research you can get a great deal from the top car insurance companies in Warsaw, MO. Before you buy Warsaw, Missouri car insurance, make sure your coverage meets or exceeds the Missouri minimum of 25/50/25.

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

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

Warsaw, MO Minimum Car Insurance Coverage

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

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

Annual Car Insurance Rates by Coverage Level in Warsaw, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $3,077 $3,278 $3,178
Farmers $3,983 $4,208 $4,556
GEICO $2,505 $2,695 $2,834
Liberty Mutual $3,966 $4,222 $4,419
Nationwide $2,145 $2,310 $2,407
Progressive $2,982 $3,300 $3,598
State Farm $2,447 $2,611 $2,755
USAA $2,451 $2,542 $2,656

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

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Warsaw, 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 $2,713 $2,507 $2,587 $7,621 $8,247 $2,695 $2,790
American Family $2,064 $2,064 $1,840 $1,840 $5,720 $7,421 $2,064 $2,408
Farmers $2,348 $2,341 $2,099 $2,222 $9,584 $9,909 $2,681 $2,809
GEICO $1,783 $1,988 $1,397 $1,768 $5,431 $5,743 $1,651 $1,661
Liberty Mutual $2,537 $2,750 $2,092 $2,344 $8,708 $9,667 $2,672 $2,851
Nationwide $1,516 $1,549 $1,356 $1,437 $3,870 $4,960 $1,733 $1,876
Progressive $2,079 $1,958 $1,700 $1,746 $6,444 $7,264 $2,544 $2,611
State Farm $1,677 $1,677 $1,489 $1,489 $4,632 $5,861 $1,879 $2,130
USAA $1,579 $1,572 $1,409 $1,446 $4,580 $5,613 $1,982 $2,217

Warsaw, MO Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Warsaw, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $5,720 $7,421
Farmers $9,584 $9,909
GEICO $5,431 $5,743
Liberty Mutual $8,708 $9,667
Nationwide $3,870 $4,960
Progressive $6,444 $7,264
State Farm $4,632 $5,861
USAA $4,580 $5,613

Warsaw, MO Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Warsaw, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,840 $1,840
Farmers $2,099 $2,222
GEICO $1,397 $1,768
Liberty Mutual $2,092 $2,344
Nationwide $1,356 $1,437
Progressive $1,700 $1,746
State Farm $1,489 $1,489
USAA $1,409 $1,446

Warsaw, MO Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Warsaw, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $4,148 $2,923 $2,462
Farmers $4,862 $4,042 $3,844
GEICO $3,695 $2,409 $1,929
Liberty Mutual $6,032 $3,679 $2,897
Nationwide $2,698 $2,227 $1,936
Progressive $3,821 $3,153 $2,905
State Farm $3,509 $2,347 $1,957
USAA $4,271 $1,971 $1,407

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Warsaw, MO Car Insurance Rates by Driver History

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

Annual Warsaw, Missouri Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,439 $3,868 $4,790 $3,881
American Family $2,357 $3,439 $4,212 $2,702
Farmers $3,685 $4,562 $4,463 $4,287
GEICO $2,110 $2,707 $3,614 $2,280
Liberty Mutual $3,054 $4,381 $4,518 $4,857
Nationwide $1,799 $2,306 $3,075 $1,968
Progressive $2,887 $3,777 $3,172 $3,337
State Farm $2,407 $2,802 $2,604 $2,604
USAA $2,072 $2,484 $3,393 $2,250

Warsaw, MO Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Warsaw, Missouri

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,790
American Family $4,212
Farmers $4,463
GEICO $3,614
Liberty Mutual $4,518
Nationwide $3,075
Progressive $3,172
State Farm $2,604
USAA $3,393

Warsaw, MO Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Warsaw, Missouri

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,995 $3,995
American Family $3,146 $3,209
Farmers $4,249 $4,249
GEICO $2,626 $2,730
Liberty Mutual $4,203 $4,203
Nationwide $2,287 $2,287
Progressive $3,293 $3,293
State Farm $2,541 $2,668
USAA $2,456 $2,643

Warsaw, MO Cheapest Car Insurance Rates

How do the top Warsaw, Missouri car insurance companies’ average rates stack up against the Warsaw average monthly car insurance rates of $269? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Warsaw, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $3,178
Farmers $4,249
GEICO $2,678
Liberty Mutual $4,203
Nationwide $2,287
Progressive $3,293
State Farm $2,604
USAA $2,550

Other Factors Affecting Warsaw, MO Car Insurance Rates

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

Warsaw, MO Commute Time

How does your Warsaw, MO commute time compare with the average driver? In Warsaw, the average commute is 16.7 minutes.

Warsaw, MO Traffic

Spending time in Warsaw traffic can lead to higher car insurance rates. According to INRIX data, Warsaw, MO ranks as the 40th-most congested with traffic in the world.

Warsaw, MO Car Insurance Quotes

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