Best Cheap Auto Insurance in Bernie, MO (2021)

The average Bernie, MO auto insurance rates are $258 per month. The minimum auto insurance in Bernie is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Bernie, 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 cheapest auto insurance company in Bernie is Nationwide
  • Average auto insurance rates in Bernie, MO for senior drivers are $1,738 per year
  • The average commute length in Bernie is 22.3 minutes

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

Compare auto insurance in Bernie to other Missouri cities, including Lee’s Summit auto insurance rates, Kansas City auto insurance rates, and Columbia auto insurance rates to see how Bernie, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Bernie, Missouri

Bernie, 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 Bernie, Missouri.

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

Auto insurance rates in Bernie, 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 Bernie, 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 $1,987 $1,987 $1,772 $1,772 $5,488 $7,118 $1,987 $2,318
Farmers $2,102 $2,102 $1,878 $1,989 $8,652 $8,971 $2,393 $2,506
GEICO $1,661 $1,873 $1,304 $1,689 $5,247 $5,541 $1,516 $1,516
Liberty Mutual $2,515 $2,726 $2,078 $2,331 $8,726 $9,690 $2,641 $2,812
Nationwide $1,504 $1,532 $1,349 $1,425 $3,871 $4,940 $1,722 $1,858
Progressive $1,780 $1,645 $1,454 $1,501 $5,920 $6,647 $2,168 $2,217
State Farm $1,513 $1,513 $1,362 $1,362 $4,393 $5,526 $1,701 $1,941
USAA $1,612 $1,594 $1,457 $1,475 $4,904 $5,980 $1,996 $2,211

Cheap Bernie, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Bernie, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,621 $8,247
American Family $5,488 $7,118
Farmers $8,652 $8,971
GEICO $5,247 $5,541
Liberty Mutual $8,726 $9,690
Nationwide $3,871 $4,940
Progressive $5,920 $6,647
State Farm $4,393 $5,526
USAA $4,904 $5,980

Cheap Bernie, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Bernie, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,507 $2,587
American Family $1,772 $1,772
Farmers $1,878 $1,989
GEICO $1,304 $1,689
Liberty Mutual $2,078 $2,331
Nationwide $1,349 $1,425
Progressive $1,454 $1,501
State Farm $1,362 $1,362
USAA $1,457 $1,475

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

Annual Bernie, Missouri Auto 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 $2,264 $3,312 $4,043 $2,595
Farmers $3,323 $4,105 $4,018 $3,850
GEICO $1,967 $2,569 $3,499 $2,138
Liberty Mutual $3,042 $4,371 $4,500 $4,846
Nationwide $1,779 $2,294 $3,076 $1,951
Progressive $2,510 $3,399 $2,795 $2,962
State Farm $2,216 $2,612 $2,414 $2,414
USAA $2,107 $2,579 $3,619 $2,310

Cheap Bernie, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Bernie, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,790
American Family $4,043
Farmers $4,018
GEICO $3,499
Liberty Mutual $4,500
Nationwide $3,076
Progressive $2,795
State Farm $2,414
USAA $3,619

Cheap Bernie, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Bernie, Missouri

Insurance Company Poor Fair Good
Allstate $5,511 $3,542 $2,930
American Family $3,983 $2,810 $2,368
Farmers $4,373 $3,638 $3,461
GEICO $3,508 $2,289 $1,833
Liberty Mutual $6,011 $3,670 $2,888
Nationwide $2,679 $2,219 $1,927
Progressive $3,381 $2,795 $2,575
State Farm $3,324 $2,155 $1,764
USAA $4,414 $2,065 $1,482

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Cheap Bernie, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Bernie, Missouri

ZIP Code Average Annual Rates
63822 $2,535

Cheap Bernie, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Bernie, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,995 $3,995
American Family $3,024 $3,084
Farmers $3,824 $3,824
GEICO $2,495 $2,591
Liberty Mutual $4,190 $4,190
Nationwide $2,275 $2,275
Progressive $2,917 $2,917
State Farm $2,355 $2,473
USAA $2,559 $2,748

Cheap Bernie, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Bernie, Missouri

Insurance Company Low Medium High
Allstate $3,857 $3,987 $4,140
American Family $2,958 $3,150 $3,053
Farmers $3,565 $3,782 $4,126
GEICO $2,359 $2,562 $2,709
Liberty Mutual $3,932 $4,210 $4,427
Nationwide $2,131 $2,298 $2,396
Progressive $2,599 $2,922 $3,229
State Farm $2,248 $2,420 $2,574
USAA $2,536 $2,644 $2,781

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Best By Category: Cheapest Auto Insurance in Bernie, Missouri

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

Best Annual Auto Insurance Rates by Company in Bernie, Missouri

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

The Cheapest Bernie, Missouri Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Bernie, Missouri

Insurance Company Average Annual Rates
Allstate $3,995
American Family $3,054
Farmers $3,824
GEICO $2,543
Liberty Mutual $4,190
Nationwide $2,275
Progressive $2,917
State Farm $2,414
USAA $2,654

What affects auto insurance rates in Bernie, Missouri?

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

Bernie Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Bernie, Missouri commute length is 22.3 minutes according to City-Data.

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Compare Bernie, Missouri Auto Insurance Quotes

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

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