Best Cheap Auto Insurance in Berkeley, MO (2021)

The average Berkeley, MO auto insurance rates are $351 per month. The minimum auto insurance in Berkeley is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Berkeley, 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

  • Average auto insurance rates in Berkeley, MO for senior drivers are $2,359 per year
  • The average commute length in Berkeley is 24.9 minutes
  • The most expensive auto insurance company in Berkeley for teen drivers is Liberty Mutual

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

Compare auto insurance in Berkeley to other Missouri cities, including St. Charles auto insurance rates, Kansas City auto insurance rates, and St. Joseph auto insurance rates to see how Berkeley, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Berkeley, Missouri

Berkeley, 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 Berkeley, Missouri.

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

Auto insurance rates in Berkeley, 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 Berkeley, 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 $3,764 $3,625 $3,404 $3,513 $10,972 $11,902 $3,559 $3,657
American Family $2,659 $2,659 $2,370 $2,370 $7,368 $9,568 $2,659 $3,102
Farmers $2,844 $2,835 $2,536 $2,698 $11,935 $12,337 $3,230 $3,356
GEICO $2,428 $2,746 $1,904 $2,487 $7,819 $8,245 $2,189 $2,176
Liberty Mutual $3,371 $3,660 $2,782 $3,135 $11,787 $13,107 $3,533 $3,749
Nationwide $1,995 $2,037 $1,782 $1,890 $5,107 $6,554 $2,283 $2,473
Progressive $2,923 $2,626 $2,374 $2,485 $9,290 $10,291 $3,469 $3,323
State Farm $2,042 $2,042 $1,861 $1,861 $6,264 $7,853 $2,305 $2,641
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

Cheap Berkeley, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Berkeley, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,972 $11,902
American Family $7,368 $9,568
Farmers $11,935 $12,337
GEICO $7,819 $8,245
Liberty Mutual $11,787 $13,107
Nationwide $5,107 $6,554
Progressive $9,290 $10,291
State Farm $6,264 $7,853
USAA $5,002 $6,115

Cheap Berkeley, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Berkeley, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,404 $3,513
American Family $2,370 $2,370
Farmers $2,536 $2,698
GEICO $1,904 $2,487
Liberty Mutual $2,782 $3,135
Nationwide $1,782 $1,890
Progressive $2,374 $2,485
State Farm $1,861 $1,861
USAA $1,491 $1,518

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

Annual Berkeley, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,721 $5,367 $6,732 $5,379
American Family $3,062 $4,374 $5,437 $3,504
Farmers $4,517 $5,622 $5,498 $5,248
GEICO $2,871 $3,787 $5,206 $3,133
Liberty Mutual $4,089 $5,890 $6,057 $6,525
Nationwide $2,367 $3,041 $4,062 $2,591
Progressive $4,011 $5,297 $4,424 $4,658
State Farm $3,060 $3,657 $3,359 $3,359
USAA $2,179 $2,649 $3,694 $2,385

Cheap Berkeley, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Berkeley, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,732
American Family $5,437
Farmers $5,498
GEICO $5,206
Liberty Mutual $6,057
Nationwide $4,062
Progressive $4,424
State Farm $3,359
USAA $3,694

Cheap Berkeley, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Berkeley, Missouri

Insurance Company Poor Fair Good
Allstate $7,689 $4,920 $4,040
American Family $5,349 $3,764 $3,169
Farmers $5,962 $4,973 $4,729
GEICO $5,188 $3,370 $2,690
Liberty Mutual $8,096 $4,941 $3,885
Nationwide $3,563 $2,936 $2,547
Progressive $5,414 $4,386 $3,993
State Farm $4,727 $2,969 $2,380
USAA $4,567 $2,109 $1,505

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Cheap Berkeley, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Berkeley, Missouri

ZIP Code Average Annual Rates
63134 $3,459

Cheap Berkeley, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Berkeley, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,550 $5,550
American Family $4,054 $4,134
Farmers $5,221 $5,221
GEICO $3,680 $3,818
Liberty Mutual $5,641 $5,641
Nationwide $3,015 $3,015
Progressive $4,598 $4,598
State Farm $3,275 $3,442
USAA $2,630 $2,824

Cheap Berkeley, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Berkeley, Missouri

Insurance Company Low Medium High
Allstate $5,295 $5,536 $5,819
American Family $3,971 $4,222 $4,089
Farmers $4,845 $5,163 $5,655
GEICO $3,466 $3,782 $3,999
Liberty Mutual $5,256 $5,672 $5,994
Nationwide $2,806 $3,048 $3,192
Progressive $3,814 $4,623 $5,355
State Farm $3,105 $3,374 $3,598
USAA $2,627 $2,720 $2,834

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Best By Category: Cheapest Auto Insurance in Berkeley, Missouri

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

Best Annual Auto Insurance Rates by Company in Berkeley, Missouri

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Berkeley, Missouri Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Berkeley, Missouri

Insurance Company Average Annual Rates
Allstate $5,550
American Family $4,094
Farmers $5,221
GEICO $3,749
Liberty Mutual $5,641
Nationwide $3,015
Progressive $4,598
State Farm $3,359
USAA $2,727

What affects auto insurance rates in Berkeley, Missouri?

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

Berkeley Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Berkeley, Missouri commute length is 24.9 minutes according to City-Data.

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Compare Berkeley, Missouri Auto Insurance Quotes

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