Best Cheap Auto Insurance in Annapolis, MO (2021)

The average Annapolis, MO auto insurance rates are $289 per month. The minimum auto insurance in Annapolis is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Annapolis, Missouri, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Annapolis for teen drivers is Farmers
  • Average auto insurance rates in Annapolis, MO for senior drivers are $1,938 per year
  • The average commute length in Annapolis is 33.5 minutes

Annapolis, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Annapolis can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Annapolis, Missouri, including driving record, credit, commute time, and more.

Compare auto insurance in Annapolis to other Missouri cities, including St. Charles auto insurance rates, Independence auto insurance rates, and Lee’s Summit auto insurance rates to see how Annapolis, Missouri auto insurance rates stack up.

Before you buy Annapolis, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Annapolis, Missouri auto insurance quotes.

Minimum Auto Insurance in Annapolis, Missouri

Annapolis, Missouri auto insurance laws require that you have at least the Missouri minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Annapolis, Missouri.

Minimum Required Auto Insurance Coverage in Annapolis, 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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Cheap Annapolis, Missouri Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Annapolis, Missouri are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Annapolis, 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 $2,716 $2,637 $2,437 $2,515 $7,369 $7,979 $2,618 $2,710
American Family $2,177 $2,177 $1,940 $1,940 $5,997 $7,793 $2,177 $2,542
Farmers $2,613 $2,606 $2,337 $2,466 $10,616 $10,991 $3,001 $3,164
GEICO $2,058 $2,317 $1,584 $2,022 $6,437 $6,875 $1,884 $1,918
Liberty Mutual $2,683 $2,908 $2,205 $2,472 $9,413 $10,456 $2,829 $3,023
Nationwide $1,476 $1,507 $1,320 $1,398 $3,784 $4,845 $1,688 $1,825
Progressive $2,453 $2,291 $2,003 $2,060 $8,023 $9,043 $3,005 $3,133
State Farm $1,912 $1,912 $1,693 $1,693 $5,273 $6,656 $2,142 $2,443
USAA $1,545 $1,541 $1,378 $1,418 $4,426 $5,428 $1,944 $2,178

Cheap Annapolis, Missouri Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Annapolis, Missouri is a challenge. Take a look at the annual teen auto insurance rates in Annapolis, Missouri.

Annual Auto Insurance Rates for Teen Drivers in Annapolis, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,369 $7,979
American Family $5,997 $7,793
Farmers $10,616 $10,991
GEICO $6,437 $6,875
Liberty Mutual $9,413 $10,456
Nationwide $3,784 $4,845
Progressive $8,023 $9,043
State Farm $5,273 $6,656
USAA $4,426 $5,428

Cheap Annapolis, Missouri Auto Insurance for Seniors

What are senior auto insurance rates in Annapolis, Missouri? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Annapolis, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,437 $2,515
American Family $1,940 $1,940
Farmers $2,337 $2,466
GEICO $1,584 $2,022
Liberty Mutual $2,205 $2,472
Nationwide $1,320 $1,398
Progressive $2,003 $2,060
State Farm $1,693 $1,693
USAA $1,378 $1,418

Cheap Annapolis, Missouri Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Annapolis, Missouri compared to the annual auto insurance rates with a clean record in Annapolis, Missouri.

Annual Annapolis, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,338 $3,753 $4,637 $3,763
American Family $2,497 $3,606 $4,414 $2,854
Farmers $4,090 $5,069 $4,959 $4,779
GEICO $2,449 $3,168 $4,271 $2,660
Liberty Mutual $3,262 $4,693 $4,836 $5,205
Nationwide $1,751 $2,249 $3,005 $1,917
Progressive $3,448 $4,658 $3,834 $4,066
State Farm $2,742 $3,189 $2,966 $2,966
USAA $2,027 $2,420 $3,284 $2,197

Cheap Annapolis, Missouri Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Annapolis, Missouri is not easy. Compare the annual rates for DUI auto insurance in Annapolis, Missouri to find the best deal.

Annual Auto Insurance Rates After a DUI in Annapolis, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,637
American Family $4,414
Farmers $4,959
GEICO $4,271
Liberty Mutual $4,836
Nationwide $3,005
Progressive $3,834
State Farm $2,966
USAA $3,284

Cheap Annapolis, Missouri Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Annapolis, Missouri annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Annapolis, Missouri

Insurance Company Poor Fair Good
Allstate $5,341 $3,435 $2,842
American Family $4,368 $3,073 $2,588
Farmers $5,406 $4,493 $4,273
GEICO $4,335 $2,821 $2,255
Liberty Mutual $6,462 $3,938 $3,096
Nationwide $2,630 $2,173 $1,889
Progressive $4,636 $3,830 $3,539
State Farm $3,993 $2,673 $2,231
USAA $4,157 $1,919 $1,371

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Cheap Annapolis, Missouri Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Annapolis, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in Annapolis, Missouri to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Annapolis, Missouri

ZIP Code Average Annual Rates
63620 $2,878

Cheap Annapolis, Missouri Auto Insurance Rates By Commute

Commute length and annual mileage affect Annapolis, Missouri auto insurance. Find the cheapest annual Annapolis, Missouri auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Annapolis, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,873 $3,873
American Family $3,310 $3,376
Farmers $4,724 $4,724
GEICO $3,077 $3,197
Liberty Mutual $4,499 $4,499
Nationwide $2,230 $2,230
Progressive $4,001 $4,001
State Farm $2,895 $3,036
USAA $2,390 $2,574

Cheap Annapolis, Missouri Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Annapolis, Missouri? Check out the comparison of annual Annapolis, Missouri auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Annapolis, Missouri

Insurance Company Low Medium High
Allstate $3,735 $3,865 $4,018
American Family $3,237 $3,448 $3,343
Farmers $4,456 $4,682 $5,034
GEICO $2,963 $3,154 $3,294
Liberty Mutual $4,248 $4,517 $4,732
Nationwide $2,095 $2,253 $2,344
Progressive $3,667 $4,007 $4,331
State Farm $2,806 $2,971 $3,120
USAA $2,385 $2,474 $2,587

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Best By Category: Cheapest Auto Insurance in Annapolis, Missouri

Compare the cheapest auto insurance companies in Annapolis, Missouri in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Annapolis, 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

The Cheapest Annapolis, Missouri Auto Insurance Companies

What auto insurance companies in Annapolis, Missouri are the cheapest? Compare the top Annapolis, Missouri auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Annapolis, Missouri

Insurance Company Average Annual Rates
Allstate $3,873
American Family $3,343
Farmers $4,724
GEICO $3,137
Liberty Mutual $4,499
Nationwide $2,231
Progressive $4,001
State Farm $2,966
USAA $2,482

What affects auto insurance rates in Annapolis, Missouri?

There are a lot of reasons why auto insurance rates in Annapolis, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Annapolis, Missouri. Many local factors may affect your Annapolis auto insurance rates.

Annapolis Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Annapolis, Missouri commute length is 33.5 minutes according to City-Data.

Annapolis Traffic

How does Annapolis, Missouri rank for traffic? According to Inrix Annapolis, Missouri is the 651st most congested worldwide.

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Compare Annapolis, Missouri Auto Insurance Quotes

Before you buy Annapolis, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Annapolis, Missouri auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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