Best Cheap Auto Insurance in Herculaneum, MO (2021)

The average Herculaneum, MO auto insurance rates are $305 per month. The minimum auto insurance in Herculaneum is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Herculaneum, 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 Herculaneum for teen drivers is Farmers
  • The cheapest auto insurance company in Herculaneum is USAA
  • Average auto insurance rates in Herculaneum, MO for senior drivers are $2,017 per year

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

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

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

Minimum Auto Insurance in Herculaneum, Missouri

Herculaneum, 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 Herculaneum, Missouri.

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

Auto insurance rates in Herculaneum, 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 Herculaneum, 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 $2,953 $2,843 $2,673 $2,756 $8,554 $9,285 $2,795 $2,873
American Family $2,398 $2,398 $2,139 $2,139 $6,700 $8,693 $2,398 $2,793
Farmers $2,660 $2,650 $2,367 $2,515 $11,349 $11,754 $3,038 $3,166
GEICO $1,968 $2,214 $1,532 $1,991 $6,310 $6,651 $1,788 $1,783
Liberty Mutual $3,012 $3,263 $2,478 $2,784 $10,819 $12,020 $3,163 $3,362
Nationwide $1,697 $1,728 $1,521 $1,606 $4,432 $5,656 $1,948 $2,102
Progressive $2,313 $2,125 $1,902 $1,955 $8,141 $9,144 $2,830 $2,912
State Farm $1,771 $1,771 $1,603 $1,603 $5,364 $6,733 $1,999 $2,294
USAA $1,503 $1,488 $1,359 $1,379 $4,499 $5,488 $1,862 $2,065

Cheap Herculaneum, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Herculaneum, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,554 $9,285
American Family $6,700 $8,693
Farmers $11,349 $11,754
GEICO $6,310 $6,651
Liberty Mutual $10,819 $12,020
Nationwide $4,432 $5,656
Progressive $8,141 $9,144
State Farm $5,364 $6,733
USAA $4,499 $5,488

Cheap Herculaneum, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Herculaneum, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,673 $2,756
American Family $2,139 $2,139
Farmers $2,367 $2,515
GEICO $1,532 $1,991
Liberty Mutual $2,478 $2,784
Nationwide $1,521 $1,606
Progressive $1,902 $1,955
State Farm $1,603 $1,603
USAA $1,359 $1,379

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

Annual Herculaneum, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,695 $4,194 $5,269 $4,209
American Family $2,753 $3,980 $4,936 $3,160
Farmers $4,248 $5,328 $5,206 $4,968
GEICO $2,327 $3,070 $4,187 $2,536
Liberty Mutual $3,699 $5,344 $5,490 $5,919
Nationwide $2,012 $2,609 $3,513 $2,211
Progressive $3,336 $4,606 $3,744 $3,976
State Farm $2,641 $3,144 $2,892 $2,892
USAA $1,960 $2,389 $3,328 $2,146

Cheap Herculaneum, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Herculaneum, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,269
American Family $4,936
Farmers $5,206
GEICO $4,187
Liberty Mutual $5,490
Nationwide $3,513
Progressive $3,744
State Farm $2,892
USAA $3,328

Cheap Herculaneum, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Herculaneum, Missouri

Insurance Company Poor Fair Good
Allstate $5,991 $3,857 $3,177
American Family $4,844 $3,409 $2,870
Farmers $5,627 $4,708 $4,476
GEICO $4,186 $2,725 $2,179
Liberty Mutual $7,330 $4,485 $3,523
Nationwide $3,048 $2,523 $2,188
Progressive $4,506 $3,761 $3,479
State Farm $4,046 $2,564 $2,067
USAA $4,080 $1,912 $1,375

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Cheap Herculaneum, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Herculaneum, Missouri

ZIP Code Average Annual Rates
63048 $3,031

Cheap Herculaneum, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Herculaneum, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,342 $4,342
American Family $3,671 $3,744
Farmers $4,937 $4,937
GEICO $2,975 $3,085
Liberty Mutual $5,113 $5,113
Nationwide $2,586 $2,586
Progressive $3,915 $3,915
State Farm $2,821 $2,964
USAA $2,367 $2,544

Cheap Herculaneum, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Herculaneum, Missouri

Insurance Company Low Medium High
Allstate $4,171 $4,332 $4,522
American Family $3,586 $3,824 $3,712
Farmers $4,597 $4,885 $5,330
GEICO $2,813 $3,058 $3,219
Liberty Mutual $4,795 $5,139 $5,403
Nationwide $2,423 $2,612 $2,723
Progressive $3,492 $3,922 $4,332
State Farm $2,690 $2,904 $3,082
USAA $2,344 $2,446 $2,576

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Best By Category: Cheapest Auto Insurance in Herculaneum, Missouri

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

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

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

Average Annual Auto Insurance Rates by Company in Herculaneum, Missouri

Insurance Company Average Annual Rates
Allstate $4,342
American Family $3,707
Farmers $4,937
GEICO $3,030
Liberty Mutual $5,113
Nationwide $2,586
Progressive $3,915
State Farm $2,892
USAA $2,456

What affects auto insurance rates in Herculaneum, Missouri?

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

Herculaneum Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Herculaneum, Missouri commute length is 29.5 minutes according to City-Data.

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Compare Herculaneum, Missouri Auto Insurance Quotes

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