Compare Elkland, MO Car Insurance Rates [2023]
Car insurance in Elkland, MO averages $262 a month. Elkland, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Elkland car insurance rates, compare quotes from the top car insurance companies in Elkland, MO.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
UPDATED: Jun 10, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Jun 10, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Elkland for teen drivers is Nationwide
- The cheapest car insurance company in Elkland is Nationwide
- Average car insurance rates in Elkland, MO are $3,147/year
If you need to buy Elkland, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Elkland, MO is right here.
You’ll find Elkland car insurance rates, the cheapest Elkland, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Elkland, Missouri car insurance rates to Springfield car insurance rates, St. Joseph car insurance rates, and Blue Springs car insurance rates.
Ready to find affordable Elkland, MO car insurance today? Enter your ZIP code for fast, free Elkland car insurance quotes.
Cheapest Elkland, MO Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Elkland, MO car insurance rates? Every Elkland, Missouri car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $2,666 | $2,577 | $2,401 | $2,477 | $7,459 | $8,072 | $2,550 | $2,632 |
| American Family | $2,053 | $2,053 | $1,832 | $1,832 | $5,700 | $7,391 | $2,053 | $2,394 |
| Farmers | $2,161 | $2,150 | $1,925 | $2,043 | $9,115 | $9,427 | $2,474 | $2,586 |
| Geico | $1,849 | $2,083 | $1,431 | $1,845 | $5,862 | $6,224 | $1,683 | $1,698 |
| Liberty Mutual | $2,556 | $2,768 | $2,102 | $2,355 | $9,091 | $10,095 | $2,693 | $2,872 |
| Nationwide | $1,458 | $1,488 | $1,307 | $1,382 | $3,741 | $4,784 | $1,669 | $1,803 |
| Progressive | $1,837 | $1,700 | $1,503 | $1,549 | $6,098 | $6,845 | $2,238 | $2,292 |
| State Farm | $1,676 | $1,676 | $1,496 | $1,496 | $4,769 | $6,014 | $1,883 | $2,148 |
| USAA | $1,433 | $1,425 | $1,288 | $1,317 | $4,154 | $5,080 | $1,787 | $1,992 |
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Minimum Car Insurance in Elkland, MO
Every driver must carry the minimum car insurance in Elkland, MO. Take a look at the Missouri car insurance requirements.
| 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 |
Cheapest Elkland, MO Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Elkland, MO. Compare credit history car insurance rates in Elkland from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,313 | $3,422 | $2,828 |
| American Family | $4,127 | $2,910 | $2,453 |
| Farmers | $4,548 | $3,797 | $3,610 |
| Geico | $3,913 | $2,550 | $2,040 |
| Liberty Mutual | $6,190 | $3,784 | $2,976 |
| Nationwide | $2,596 | $2,148 | $1,867 |
| Progressive | $3,482 | $2,884 | $2,658 |
| State Farm | $3,607 | $2,371 | $1,957 |
| USAA | $3,840 | $1,796 | $1,291 |
Cheapest Elkland, MO Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Elkland, MO to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,299 | $3,726 | $4,651 | $3,741 |
| American Family | $2,342 | $3,425 | $4,198 | $2,688 |
| Farmers | $3,429 | $4,295 | $4,198 | $4,019 |
| Geico | $2,192 | $2,865 | $3,893 | $2,386 |
| Liberty Mutual | $3,128 | $4,507 | $4,637 | $4,994 |
| Nationwide | $1,728 | $2,222 | $2,972 | $1,893 |
| Progressive | $2,595 | $3,500 | $2,884 | $3,053 |
| State Farm | $2,435 | $2,854 | $2,645 | $2,645 |
| USAA | $1,870 | $2,251 | $3,082 | $2,035 |
Cheapest Elkland, MO Car Insurance for Teen Drivers
Teen car insurance in Elkland, MO can be expensive. Take a look at rates from the top car insurance companies in Elkland for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,459 | $8,072 |
| American Family | $5,700 | $7,391 |
| Farmers | $9,115 | $9,427 |
| Geico | $5,862 | $6,224 |
| Liberty Mutual | $9,091 | $10,095 |
| Nationwide | $3,741 | $4,784 |
| Progressive | $6,098 | $6,845 |
| State Farm | $4,769 | $6,014 |
| USAA | $4,154 | $5,080 |
Cheapest Elkland, MO Car Insurance for Seniors
Take a look at Elkland, MO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,401 | $2,477 |
| American Family | $1,832 | $1,832 |
| Farmers | $1,925 | $2,043 |
| Geico | $1,431 | $1,845 |
| Liberty Mutual | $2,102 | $2,355 |
| Nationwide | $1,307 | $1,382 |
| Progressive | $1,503 | $1,549 |
| State Farm | $1,496 | $1,496 |
| USAA | $1,288 | $1,317 |
Cheapest Elkland, MO Car Insurance Rates After a DUI
A DUI in Elkland, MO increases car insurance rates. Compare Elkland, Missouri DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,651 |
| American Family | $4,198 |
| Farmers | $4,198 |
| Geico | $3,893 |
| Liberty Mutual | $4,637 |
| Nationwide | $2,972 |
| Progressive | $2,884 |
| State Farm | $2,645 |
| USAA | $3,082 |
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Cheapest Elkland, MO Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Elkland, MO by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,854 | $3,854 |
| American Family | $3,132 | $3,194 |
| Farmers | $3,985 | $3,985 |
| Geico | $2,781 | $2,887 |
| Liberty Mutual | $4,317 | $4,317 |
| Nationwide | $2,204 | $2,204 |
| Progressive | $3,008 | $3,008 |
| State Farm | $2,581 | $2,709 |
| USAA | $2,224 | $2,394 |
The Best Cheap Car Insurance Companies in Elkland, MO
Take a look at a side-by-side comparison of the top car insurance companies in Elkland, MO to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,854 |
| American Family | $3,163 |
| Farmers | $3,985 |
| Geico | $2,834 |
| Liberty Mutual | $4,317 |
| Nationwide | $2,204 |
| Progressive | $3,008 |
| State Farm | $2,645 |
| USAA | $2,309 |
Category Winners: Cheapest Car Insurance in Elkland, Missouri
Find the cheapest car insurance companies in Elkland, MO for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | USAA |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
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Cheapest Elkland, MO Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Elkland car insurance rates. Find the cheapest Elkland, MO car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,717 | $3,846 | $3,999 |
| American Family | $3,062 | $3,263 | $3,165 |
| Farmers | $3,724 | $3,945 | $4,286 |
| Geico | $2,655 | $2,854 | $2,993 |
| Liberty Mutual | $4,073 | $4,336 | $4,540 |
| Nationwide | $2,066 | $2,226 | $2,319 |
| Progressive | $2,693 | $3,015 | $3,316 |
| State Farm | $2,484 | $2,653 | $2,798 |
| USAA | $2,204 | $2,301 | $2,423 |
Compare Car Insurance Quotes in Elkland, MO
Ready to find affordable Elkland, Missouri car insurance today? Enter your ZIP code for fast, free Elkland, MO car insurance quotes.
Frequently Asked Questions
How are car insurance rates determined in Elkland, MO?
Car insurance rates in Elkland, MO, are determined by various factors. These factors include the driver’s age, driving record, credit history, location within Elkland, coverage options chosen, deductible amount, annual mileage, and the make, model, and year of the vehicle. Insurance companies also consider local factors such as accident rates, theft rates, and the cost of repairs and medical services in the area.
Are car insurance rates higher in Elkland, MO compared to other areas?
Car insurance rates can vary depending on multiple factors, so it’s challenging to make a general statement about rates in Elkland, MO compared to other areas. Rates can be influenced by local factors such as the number of accidents and thefts in the area, as well as state-specific regulations and insurance market conditions. Additionally, your personal driving profile and the coverage options you select will play a significant role in determining your insurance rates.
How can I find the best car insurance rates in Elkland, MO?
To find the best car insurance rates in Elkland, MO, it’s recommended to shop around and compare quotes from multiple insurance providers. You can contact different insurance companies directly or use online comparison tools that allow you to receive quotes from multiple insurers simultaneously. Providing accurate and consistent information when requesting quotes will help ensure you receive accurate rates for comparison.
What can I do to lower my car insurance rates in Elkland, MO?
There are several strategies you can employ to potentially lower your car insurance rates in Elkland, MO:
- Maintain a clean driving record and avoid traffic violations or accidents.
- Consider increasing your deductible, which is the amount you pay out of pocket in the event of a claim.
- Inquire about available discounts such as multi-policy discounts, good driver discounts, or discounts for safety features on your vehicle.
- Evaluate your coverage options and consider whether you need additional coverage beyond the mandatory requirements.
- If feasible, install anti-theft devices or security systems that may reduce the risk of theft.
Are there any specific considerations for insuring a vehicle in Elkland, MO?
When insuring a vehicle in Elkland, MO, it’s important to consider factors such as the local weather conditions, traffic patterns, and potential risks in the area. If you live in an area prone to severe weather events like tornadoes or hailstorms, you may want to consider additional coverage to protect your vehicle against such risks. Understanding the specific insurance requirements and regulations in Missouri is essential to ensure you meet the minimum coverage requirements.
Are there any local insurance providers in Elkland, MO?
While there may be local insurance providers in Elkland, MO, most areas have a mix of local, regional, and national insurance companies. Local providers may offer unique coverage options or be familiar with specific factors that affect insurance rates in the area. It’s recommended to research and compare both local and national insurance providers to find the best coverage and rates for your needs.
Should I consider specialized coverage for my vehicle in Elkland, MO?
The decision to add specialized coverage to your vehicle in Elkland, MO depends on your specific circumstances and preferences. It’s advisable to evaluate factors such as the age and value of your vehicle, your driving habits, and potential risks in the area. Specialized coverage options such as comprehensive and collision insurance may provide additional protection beyond the mandatory liability coverage. Consider your needs and consult with insurance providers to determine the appropriate coverage for your vehicle.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...
Founder & CFP®
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.