Best Cheap Auto Insurance in Berger, MO (2021)

The average Berger, MO auto insurance rates are $291 per month. The minimum auto insurance in Berger is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Berger, Missouri, compare quotes from multiple companies.

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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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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 Berger for teen drivers is Farmers
  • The cheapest auto insurance company in Berger is Nationwide
  • Average auto insurance rates in Berger, MO for senior drivers are $1,939 per year

Berger, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Berger 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 Berger, Missouri, including driving record, credit, commute time, and more.

Compare auto insurance in Berger to other Missouri cities, including Lee’s Summit auto insurance rates, St. Peters auto insurance rates, and St. Louis auto insurance rates to see how Berger, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Berger, Missouri

Berger, 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 Berger, Missouri.

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

Auto insurance rates in Berger, 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 Berger, 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 $2,947 $2,837 $2,667 $2,750 $8,548 $9,279 $2,789 $2,867
American Family $2,138 $2,138 $1,905 $1,905 $5,877 $7,639 $2,138 $2,500
Farmers $2,499 $2,486 $2,230 $2,360 $10,381 $10,737 $2,867 $3,008
GEICO $2,047 $2,309 $1,592 $2,061 $6,503 $6,886 $1,864 $1,872
Liberty Mutual $2,703 $2,928 $2,220 $2,488 $9,518 $10,569 $2,853 $3,048
Nationwide $1,564 $1,597 $1,399 $1,481 $4,035 $5,163 $1,790 $1,935
Progressive $2,209 $2,053 $1,811 $1,861 $7,344 $8,259 $2,701 $2,787
State Farm $1,756 $1,756 $1,585 $1,585 $5,255 $6,603 $1,981 $2,270
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

Cheap Berger, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Berger, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,548 $9,279
American Family $5,877 $7,639
Farmers $10,381 $10,737
GEICO $6,503 $6,886
Liberty Mutual $9,518 $10,569
Nationwide $4,035 $5,163
Progressive $7,344 $8,259
State Farm $5,255 $6,603
USAA $5,002 $6,115

Cheap Berger, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Berger, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,667 $2,750
American Family $1,905 $1,905
Farmers $2,230 $2,360
GEICO $1,592 $2,061
Liberty Mutual $2,220 $2,488
Nationwide $1,399 $1,481
Progressive $1,811 $1,861
State Farm $1,585 $1,585
USAA $1,491 $1,518

Cheap Berger, 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 Berger, Missouri compared to the annual auto insurance rates with a clean record in Berger, Missouri.

Annual Berger, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,688 $4,187 $5,262 $4,203
American Family $2,451 $3,542 $4,326 $2,800
Farmers $3,938 $4,920 $4,809 $4,616
GEICO $2,429 $3,173 $4,323 $2,643
Liberty Mutual $3,293 $4,738 $4,881 $5,251
Nationwide $1,857 $2,391 $3,199 $2,035
Progressive $3,130 $4,222 $3,479 $3,681
State Farm $2,606 $3,092 $2,849 $2,849
USAA $2,179 $2,649 $3,694 $2,385

Cheap Berger, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Berger, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,262
American Family $4,326
Farmers $4,809
GEICO $4,323
Liberty Mutual $4,881
Nationwide $3,199
Progressive $3,479
State Farm $2,849
USAA $3,694

Cheap Berger, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Berger, Missouri

Insurance Company Poor Fair Good
Allstate $5,980 $3,852 $3,173
American Family $4,286 $3,015 $2,539
Farmers $5,219 $4,354 $4,140
GEICO $4,342 $2,825 $2,258
Liberty Mutual $6,515 $3,978 $3,129
Nationwide $2,798 $2,309 $2,004
Progressive $4,191 $3,479 $3,214
State Farm $3,966 $2,531 $2,050
USAA $4,567 $2,109 $1,505

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Cheap Berger, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Berger, Missouri

ZIP Code Average Annual Rates
63014 $2,871

Cheap Berger, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Berger, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,335 $4,335
American Family $3,248 $3,312
Farmers $4,571 $4,571
GEICO $3,082 $3,201
Liberty Mutual $4,541 $4,541
Nationwide $2,371 $2,371
Progressive $3,628 $3,628
State Farm $2,779 $2,919
USAA $2,630 $2,824

Cheap Berger, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Berger, Missouri

Insurance Company Low Medium High
Allstate $4,167 $4,326 $4,513
American Family $3,179 $3,384 $3,277
Farmers $4,298 $4,530 $4,884
GEICO $2,928 $3,166 $3,331
Liberty Mutual $4,297 $4,562 $4,763
Nationwide $2,234 $2,391 $2,487
Progressive $3,280 $3,636 $3,969
State Farm $2,655 $2,860 $3,032
USAA $2,627 $2,720 $2,834

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Best By Category: Cheapest Auto Insurance in Berger, Missouri

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

Best Annual Auto Insurance Rates by Company in Berger, 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 Berger, Missouri Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Berger, Missouri

Insurance Company Average Annual Rates
Allstate $4,335
American Family $3,280
Farmers $4,571
GEICO $3,142
Liberty Mutual $4,541
Nationwide $2,371
Progressive $3,628
State Farm $2,849
USAA $2,727

What affects auto insurance rates in Berger, Missouri?

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

Berger Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Berger, Missouri commute length is 25.7 minutes according to City-Data.

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Compare Berger, Missouri Auto Insurance Quotes

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

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

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