Best Cheap Auto Insurance in Fayette, MO (2021)

The average Fayette, MO auto insurance rates are $260 per month. The minimum auto insurance in Fayette is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Fayette, 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 average commute length in Fayette is 19.7 minutes
  • The most expensive auto insurance company in Fayette for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Fayette, Missouri is 25/50/25

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

Compare auto insurance in Fayette to other Missouri cities, including O’Fallon auto insurance rates, Lee’s Summit auto insurance rates, and St. Joseph auto insurance rates to see how Fayette, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Fayette, Missouri

Fayette, 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 Fayette, Missouri.

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

Auto insurance rates in Fayette, 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 Fayette, 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 $2,766 $2,681 $2,482 $2,562 $7,583 $8,206 $2,661 $2,753
American Family $1,974 $1,974 $1,759 $1,759 $5,380 $6,991 $1,974 $2,311
Farmers $2,152 $2,145 $1,924 $2,037 $8,747 $9,042 $2,452 $2,567
GEICO $1,874 $2,089 $1,453 $1,830 $5,703 $6,060 $1,737 $1,762
Liberty Mutual $2,568 $2,788 $2,118 $2,377 $8,465 $9,405 $2,709 $2,896
Nationwide $1,377 $1,411 $1,230 $1,307 $3,461 $4,451 $1,569 $1,702
Progressive $1,981 $1,867 $1,620 $1,664 $6,079 $6,848 $2,421 $2,480
State Farm $1,628 $1,628 $1,438 $1,438 $4,451 $5,642 $1,824 $2,070
USAA $1,604 $1,598 $1,429 $1,469 $4,629 $5,676 $2,017 $2,258

Cheap Fayette, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fayette, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,380 $6,991
Farmers $8,747 $9,042
GEICO $5,703 $6,060
Liberty Mutual $8,465 $9,405
Nationwide $3,461 $4,451
Progressive $6,079 $6,848
State Farm $4,451 $5,642
USAA $4,629 $5,676

Cheap Fayette, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fayette, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,759 $1,759
Farmers $1,924 $2,037
GEICO $1,453 $1,830
Liberty Mutual $2,118 $2,377
Nationwide $1,230 $1,307
Progressive $1,620 $1,664
State Farm $1,438 $1,438
USAA $1,429 $1,469

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

Annual Fayette, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,406 $3,835 $4,758 $3,848
American Family $2,254 $3,272 $3,963 $2,573
Farmers $3,371 $4,169 $4,079 $3,914
GEICO $2,224 $2,842 $3,785 $2,402
Liberty Mutual $3,041 $4,334 $4,483 $4,806
Nationwide $1,636 $2,080 $2,754 $1,784
Progressive $2,744 $3,568 $3,008 $3,160
State Farm $2,328 $2,701 $2,515 $2,515
USAA $2,105 $2,518 $3,432 $2,285

Cheap Fayette, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fayette, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,758
American Family $3,963
Farmers $4,079
GEICO $3,785
Liberty Mutual $4,483
Nationwide $2,754
Progressive $3,008
State Farm $2,515
USAA $3,432

Cheap Fayette, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Fayette, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,935 $2,773 $2,337
Farmers $4,441 $3,694 $3,514
GEICO $3,884 $2,531 $2,025
Liberty Mutual $5,987 $3,639 $2,872
Nationwide $2,436 $2,007 $1,748
Progressive $3,622 $2,987 $2,751
State Farm $3,370 $2,271 $1,903
USAA $4,340 $1,994 $1,421

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Cheap Fayette, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Fayette, Missouri

ZIP Code Average Annual Rates
65248 $2,564

Cheap Fayette, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fayette, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,962 $3,962
American Family $2,985 $3,045
Farmers $3,883 $3,883
GEICO $2,758 $2,868
Liberty Mutual $4,166 $4,166
Nationwide $2,063 $2,063
Progressive $3,120 $3,120
State Farm $2,454 $2,576
USAA $2,491 $2,680

Cheap Fayette, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Fayette, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,927 $3,111 $3,008
Farmers $3,643 $3,847 $4,160
GEICO $2,652 $2,830 $2,958
Liberty Mutual $3,933 $4,185 $4,379
Nationwide $1,946 $2,082 $2,163
Progressive $2,827 $3,128 $3,406
State Farm $2,378 $2,522 $2,645
USAA $2,491 $2,578 $2,686

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Best By Category: Cheapest Auto Insurance in Fayette, Missouri

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

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

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

Average Annual Auto Insurance Rates by Company in Fayette, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $3,015
Farmers $3,883
GEICO $2,813
Liberty Mutual $4,166
Nationwide $2,063
Progressive $3,120
State Farm $2,515
USAA $2,585

What affects auto insurance rates in Fayette, Missouri?

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

Fayette Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fayette, Missouri commute length is 19.7 minutes according to City-Data.

Fayette Traffic

How does Fayette, Missouri rank for traffic? According to Inrix Fayette, Missouri is the 799th most congested worldwide.

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Compare Fayette, Missouri Auto Insurance Quotes

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