Best Cheap Auto Insurance in Ladue, MO (2021)

The average Ladue, MO auto insurance rates are $314 per month. The minimum auto insurance in Ladue is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Ladue, 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 minimum auto insurance required in Ladue, Missouri is 25/50/25
  • The most expensive auto insurance company in Ladue for teen drivers is Farmers
  • The cheapest auto insurance company in Ladue is Nationwide

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

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

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

Minimum Auto Insurance in Ladue, Missouri

Ladue, 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 Ladue, Missouri.

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

Auto insurance rates in Ladue, 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 Ladue, 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 $3,594 $3,467 $3,240 $3,343 $10,344 $11,243 $3,418 $3,522
American Family $2,415 $2,415 $2,154 $2,154 $6,772 $8,788 $2,415 $2,813
Farmers $2,716 $2,700 $2,415 $2,567 $11,594 $12,001 $3,089 $3,204
GEICO $1,966 $2,203 $1,532 $1,998 $6,360 $6,664 $1,781 $1,760
Liberty Mutual $2,947 $3,193 $2,426 $2,726 $10,440 $11,600 $3,097 $3,290
Nationwide $1,655 $1,684 $1,487 $1,567 $4,293 $5,472 $1,899 $2,047
Progressive $2,083 $1,904 $1,722 $1,763 $7,520 $8,426 $2,543 $2,617
State Farm $1,858 $1,858 $1,690 $1,690 $5,816 $7,287 $2,103 $2,426
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

Cheap Ladue, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Ladue, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,344 $11,243
American Family $6,772 $8,788
Farmers $11,594 $12,001
GEICO $6,360 $6,664
Liberty Mutual $10,440 $11,600
Nationwide $4,293 $5,472
Progressive $7,520 $8,426
State Farm $5,816 $7,287
USAA $5,002 $6,115

Cheap Ladue, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Ladue, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,240 $3,343
American Family $2,154 $2,154
Farmers $2,415 $2,567
GEICO $1,532 $1,998
Liberty Mutual $2,426 $2,726
Nationwide $1,487 $1,567
Progressive $1,722 $1,763
State Farm $1,690 $1,690
USAA $1,491 $1,518

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

Annual Ladue, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,494 $5,093 $6,386 $5,112
American Family $2,775 $4,015 $4,986 $3,187
Farmers $4,331 $5,443 $5,317 $5,052
GEICO $2,315 $3,079 $4,212 $2,526
Liberty Mutual $3,601 $5,187 $5,332 $5,739
Nationwide $1,956 $2,535 $3,412 $2,149
Progressive $3,044 $4,208 $3,416 $3,621
State Farm $2,810 $3,371 $3,091 $3,091
USAA $2,179 $2,649 $3,694 $2,385

Cheap Ladue, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Ladue, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,386
American Family $4,986
Farmers $5,317
GEICO $4,212
Liberty Mutual $5,332
Nationwide $3,412
Progressive $3,416
State Farm $3,091
USAA $3,694

Cheap Ladue, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Ladue, Missouri

Insurance Company Poor Fair Good
Allstate $7,291 $4,676 $3,846
American Family $4,890 $3,438 $2,895
Farmers $5,726 $4,808 $4,573
GEICO $4,190 $2,728 $2,181
Liberty Mutual $7,108 $4,357 $3,429
Nationwide $2,957 $2,453 $2,129
Progressive $4,090 $3,440 $3,187
State Farm $4,378 $2,724 $2,170
USAA $4,567 $2,109 $1,505

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Cheap Ladue, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Ladue, Missouri

ZIP Code Average Annual Rates
63124 $3,100

Cheap Ladue, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Ladue, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,271 $5,271
American Family $3,704 $3,778
Farmers $5,036 $5,036
GEICO $2,980 $3,086
Liberty Mutual $4,965 $4,965
Nationwide $2,513 $2,513
Progressive $3,572 $3,572
State Farm $3,014 $3,168
USAA $2,630 $2,824

Cheap Ladue, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Ladue, Missouri

Insurance Company Low Medium High
Allstate $5,081 $5,260 $5,473
American Family $3,617 $3,858 $3,748
Farmers $4,695 $4,988 $5,424
GEICO $2,802 $3,068 $3,229
Liberty Mutual $4,662 $4,995 $5,238
Nationwide $2,352 $2,538 $2,650
Progressive $3,200 $3,584 $3,933
State Farm $2,872 $3,107 $3,294
USAA $2,627 $2,720 $2,834

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Best By Category: Cheapest Auto Insurance in Ladue, Missouri

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

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

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

Average Annual Auto Insurance Rates by Company in Ladue, Missouri

Insurance Company Average Annual Rates
Allstate $5,271
American Family $3,741
Farmers $5,036
GEICO $3,033
Liberty Mutual $4,965
Nationwide $2,513
Progressive $3,572
State Farm $3,091
USAA $2,727

What affects auto insurance rates in Ladue, Missouri?

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

Ladue Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Ladue, Missouri commute length is 17.7 minutes according to City-Data.

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Compare Ladue, Missouri Auto Insurance Quotes

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