Best Cheap Auto Insurance in Caledonia, MO (2021)

The average Caledonia, MO auto insurance rates are $295 per month. The minimum auto insurance in Caledonia is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Caledonia, 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 average commute length in Caledonia is 32.3 minutes
  • The minimum auto insurance required in Caledonia, Missouri is 25/50/25
  • The most expensive auto insurance company in Caledonia for teen drivers is Farmers

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

Compare auto insurance in Caledonia to other Missouri cities, including St. Charles auto insurance rates, O’Fallon auto insurance rates, and St. Louis auto insurance rates to see how Caledonia, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Caledonia, Missouri

Caledonia, 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 Caledonia, Missouri.

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

Auto insurance rates in Caledonia, 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 Caledonia, 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 $2,984 $2,890 $2,679 $2,766 $8,255 $8,918 $2,864 $2,961
American Family $2,263 $2,263 $2,013 $2,013 $6,147 $8,009 $2,263 $2,651
Farmers $2,547 $2,545 $2,269 $2,401 $10,725 $11,139 $2,918 $3,063
GEICO $1,936 $2,196 $1,493 $1,937 $6,230 $6,645 $1,743 $1,763
Liberty Mutual $2,759 $2,989 $2,267 $2,541 $9,779 $10,860 $2,908 $3,104
Nationwide $1,476 $1,507 $1,320 $1,398 $3,784 $4,845 $1,688 $1,825
Progressive $2,386 $2,215 $1,953 $2,010 $8,018 $9,030 $2,923 $3,025
State Farm $1,868 $1,868 $1,668 $1,668 $5,371 $6,745 $2,100 $2,414
USAA $1,581 $1,564 $1,429 $1,449 $4,782 $5,836 $1,961 $2,176

Cheap Caledonia, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Caledonia, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,255 $8,918
American Family $6,147 $8,009
Farmers $10,725 $11,139
GEICO $6,230 $6,645
Liberty Mutual $9,779 $10,860
Nationwide $3,784 $4,845
Progressive $8,018 $9,030
State Farm $5,371 $6,745
USAA $4,782 $5,836

Cheap Caledonia, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Caledonia, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,679 $2,766
American Family $2,013 $2,013
Farmers $2,269 $2,401
GEICO $1,493 $1,937
Liberty Mutual $2,267 $2,541
Nationwide $1,320 $1,398
Progressive $1,953 $2,010
State Farm $1,668 $1,668
USAA $1,429 $1,449

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

Annual Caledonia, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,682 $4,153 $5,159 $4,165
American Family $2,607 $3,717 $4,524 $2,964
Farmers $4,056 $5,061 $4,948 $4,738
GEICO $2,296 $3,026 $4,141 $2,509
Liberty Mutual $3,368 $4,855 $4,998 $5,383
Nationwide $1,751 $2,249 $3,005 $1,917
Progressive $3,384 $4,611 $3,777 $4,008
State Farm $2,724 $3,202 $2,963 $2,963
USAA $2,066 $2,526 $3,531 $2,265

Cheap Caledonia, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Caledonia, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,159
American Family $4,524
Farmers $4,948
GEICO $4,141
Liberty Mutual $4,998
Nationwide $3,005
Progressive $3,777
State Farm $2,963
USAA $3,531

Cheap Caledonia, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Caledonia, Missouri

Insurance Company Poor Fair Good
Allstate $5,928 $3,802 $3,139
American Family $4,518 $3,172 $2,670
Farmers $5,364 $4,479 $4,259
GEICO $4,134 $2,692 $2,153
Liberty Mutual $6,679 $4,074 $3,201
Nationwide $2,630 $2,173 $1,889
Progressive $4,560 $3,781 $3,494
State Farm $4,059 $2,651 $2,179
USAA $4,316 $2,022 $1,453

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Cheap Caledonia, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Caledonia, Missouri

ZIP Code Average Annual Rates
63631 $2,922

Cheap Caledonia, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Caledonia, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,289 $4,289
American Family $3,418 $3,487
Farmers $4,701 $4,701
GEICO $2,939 $3,047
Liberty Mutual $4,651 $4,651
Nationwide $2,230 $2,230
Progressive $3,945 $3,945
State Farm $2,893 $3,032
USAA $2,504 $2,690

Cheap Caledonia, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Caledonia, Missouri

Insurance Company Low Medium High
Allstate $4,121 $4,280 $4,467
American Family $3,351 $3,562 $3,446
Farmers $4,392 $4,651 $5,059
GEICO $2,812 $3,011 $3,156
Liberty Mutual $4,389 $4,671 $4,893
Nationwide $2,095 $2,253 $2,344
Progressive $3,557 $3,949 $4,328
State Farm $2,798 $2,969 $3,122
USAA $2,480 $2,588 $2,724

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Best By Category: Cheapest Auto Insurance in Caledonia, Missouri

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

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

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

Average Annual Auto Insurance Rates by Company in Caledonia, Missouri

Insurance Company Average Annual Rates
Allstate $4,289
American Family $3,453
Farmers $4,701
GEICO $2,993
Liberty Mutual $4,651
Nationwide $2,231
Progressive $3,945
State Farm $2,963
USAA $2,597

What affects auto insurance rates in Caledonia, Missouri?

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

Caledonia Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Caledonia, Missouri commute length is 32.3 minutes according to City-Data.

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Compare Caledonia, Missouri Auto Insurance Quotes

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