Best Cheap Auto Insurance in Kearney, MO (2021)

The average Kearney, MO auto insurance rates are $281 per month. The minimum auto insurance in Kearney is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Kearney, 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

  • Average auto insurance rates in Kearney, MO for senior drivers are $1,880 per year
  • The cheapest auto insurance company in Kearney is Nationwide
  • The average commute length in Kearney is 25.9 minutes

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

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

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

Minimum Auto Insurance in Kearney, Missouri

Kearney, 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 Kearney, Missouri.

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

Auto insurance rates in Kearney, 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 Kearney, 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 $2,752 $2,657 $2,485 $2,562 $7,786 $8,450 $2,622 $2,703
American Family $2,177 $2,177 $1,940 $1,940 $5,997 $7,793 $2,177 $2,542
Farmers $2,361 $2,349 $2,106 $2,233 $9,792 $10,125 $2,692 $2,810
GEICO $1,840 $2,071 $1,440 $1,873 $5,877 $6,186 $1,673 $1,664
Liberty Mutual $2,914 $3,157 $2,395 $2,688 $10,282 $11,420 $3,070 $3,272
Nationwide $1,533 $1,564 $1,374 $1,453 $3,941 $5,040 $1,755 $1,897
Progressive $2,114 $1,964 $1,738 $1,782 $7,011 $7,877 $2,582 $2,646
State Farm $1,670 $1,670 $1,507 $1,507 $4,973 $6,243 $1,882 $2,160
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

Cheap Kearney, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Kearney, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,786 $8,450
American Family $5,997 $7,793
Farmers $9,792 $10,125
GEICO $5,877 $6,186
Liberty Mutual $10,282 $11,420
Nationwide $3,941 $5,040
Progressive $7,011 $7,877
State Farm $4,973 $6,243
USAA $4,587 $5,609

Cheap Kearney, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Kearney, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,485 $2,562
American Family $1,940 $1,940
Farmers $2,106 $2,233
GEICO $1,440 $1,873
Liberty Mutual $2,395 $2,688
Nationwide $1,374 $1,453
Progressive $1,738 $1,782
State Farm $1,507 $1,507
USAA $1,391 $1,422

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

Annual Kearney, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,421 $3,868 $4,837 $3,883
American Family $2,497 $3,606 $4,414 $2,854
Farmers $3,722 $4,639 $4,535 $4,337
GEICO $2,174 $2,862 $3,909 $2,368
Liberty Mutual $3,553 $5,115 $5,266 $5,665
Nationwide $1,817 $2,339 $3,131 $1,991
Progressive $3,003 $4,017 $3,328 $3,509
State Farm $2,472 $2,931 $2,702 $2,702
USAA $2,036 $2,458 $3,392 $2,217

Cheap Kearney, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Kearney, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,837
American Family $4,414
Farmers $4,535
GEICO $3,909
Liberty Mutual $5,266
Nationwide $3,131
Progressive $3,328
State Farm $2,702
USAA $3,392

Cheap Kearney, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Kearney, Missouri

Insurance Company Poor Fair Good
Allstate $5,516 $3,555 $2,935
American Family $4,368 $3,073 $2,588
Farmers $4,915 $4,105 $3,904
GEICO $3,905 $2,544 $2,035
Liberty Mutual $7,024 $4,296 $3,379
Nationwide $2,733 $2,261 $1,964
Progressive $3,994 $3,327 $3,072
State Farm $3,755 $2,401 $1,948
USAA $4,216 $1,958 $1,402

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Cheap Kearney, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Kearney, Missouri

ZIP Code Average Annual Rates
64060 $2,776

Cheap Kearney, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Kearney, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,002 $4,002
American Family $3,310 $3,376
Farmers $4,308 $4,308
GEICO $2,776 $2,880
Liberty Mutual $4,900 $4,900
Nationwide $2,320 $2,320
Progressive $3,464 $3,464
State Farm $2,636 $2,767
USAA $2,433 $2,618

Cheap Kearney, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Kearney, Missouri

Insurance Company Low Medium High
Allstate $3,862 $3,994 $4,151
American Family $3,237 $3,448 $3,343
Farmers $4,038 $4,269 $4,617
GEICO $2,617 $2,854 $3,013
Liberty Mutual $4,624 $4,926 $5,150
Nationwide $2,179 $2,341 $2,438
Progressive $3,112 $3,474 $3,806
State Farm $2,522 $2,711 $2,872
USAA $2,420 $2,517 $2,640

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Best By Category: Cheapest Auto Insurance in Kearney, Missouri

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

Best Annual Auto Insurance Rates by Company in Kearney, Missouri

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

The Cheapest Kearney, Missouri Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Kearney, Missouri

Insurance Company Average Annual Rates
Allstate $4,002
American Family $3,343
Farmers $4,308
GEICO $2,828
Liberty Mutual $4,900
Nationwide $2,320
Progressive $3,464
State Farm $2,702
USAA $2,526

What affects auto insurance rates in Kearney, Missouri?

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

Kearney Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Kearney, Missouri commute length is 25.9 minutes according to City-Data.

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Compare Kearney, Missouri Auto Insurance Quotes

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