Best Cheap Auto Insurance in Lamar, MO (2021)

The average Lamar, MO auto insurance rates are $261 per month. The minimum auto insurance in Lamar is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Lamar, 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 Lamar, Missouri is 25/50/25
  • The cheapest auto insurance company in Lamar is Nationwide
  • The average commute length in Lamar is 20.0 minutes

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

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

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

Minimum Auto Insurance in Lamar, Missouri

Lamar, 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 Lamar, Missouri.

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

Auto insurance rates in Lamar, 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 Lamar, 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 $2,855 $2,767 $2,563 $2,646 $7,835 $8,472 $2,743 $2,836
American Family $2,005 $2,005 $1,785 $1,785 $5,441 $7,082 $2,005 $2,347
Farmers $2,180 $2,173 $1,946 $2,062 $8,983 $9,295 $2,484 $2,597
GEICO $1,681 $1,897 $1,308 $1,692 $5,345 $5,668 $1,526 $1,534
Liberty Mutual $2,608 $2,830 $2,148 $2,410 $8,687 $9,650 $2,753 $2,943
Nationwide $1,415 $1,449 $1,263 $1,342 $3,561 $4,579 $1,612 $1,749
Progressive $1,950 $1,832 $1,593 $1,638 $6,061 $6,826 $2,382 $2,443
State Farm $1,576 $1,576 $1,396 $1,396 $4,370 $5,538 $1,768 $2,007
USAA $1,547 $1,532 $1,398 $1,418 $4,668 $5,698 $1,921 $2,132

Cheap Lamar, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lamar, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,835 $8,472
American Family $5,441 $7,082
Farmers $8,983 $9,295
GEICO $5,345 $5,668
Liberty Mutual $8,687 $9,650
Nationwide $3,561 $4,579
Progressive $6,061 $6,826
State Farm $4,370 $5,538
USAA $4,668 $5,698

Cheap Lamar, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lamar, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,563 $2,646
American Family $1,785 $1,785
Farmers $1,946 $2,062
GEICO $1,308 $1,692
Liberty Mutual $2,148 $2,410
Nationwide $1,263 $1,342
Progressive $1,593 $1,638
State Farm $1,396 $1,396
USAA $1,398 $1,418

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

Annual Lamar, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,516 $3,961 $4,908 $3,972
American Family $2,297 $3,313 $4,002 $2,615
Farmers $3,435 $4,262 $4,169 $3,993
GEICO $1,990 $2,611 $3,557 $2,168
Liberty Mutual $3,102 $4,427 $4,577 $4,908
Nationwide $1,680 $2,138 $2,833 $1,833
Progressive $2,705 $3,549 $2,975 $3,133
State Farm $2,267 $2,639 $2,453 $2,453
USAA $2,023 $2,470 $3,448 $2,216

Cheap Lamar, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lamar, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,908
American Family $4,002
Farmers $4,169
GEICO $3,557
Liberty Mutual $4,577
Nationwide $2,833
Progressive $2,975
State Farm $2,453
USAA $3,448

Cheap Lamar, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lamar, Missouri

Insurance Company Poor Fair Good
Allstate $5,647 $3,626 $2,996
American Family $3,995 $2,809 $2,367
Farmers $4,530 $3,775 $3,590
GEICO $3,561 $2,323 $1,860
Liberty Mutual $6,110 $3,718 $2,932
Nationwide $2,504 $2,063 $1,796
Progressive $3,589 $2,958 $2,724
State Farm $3,306 $2,210 $1,843
USAA $4,222 $1,976 $1,420

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Cheap Lamar, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lamar, Missouri

ZIP Code Average Annual Rates
64759 $2,572

Cheap Lamar, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lamar, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,089 $4,089
American Family $3,027 $3,087
Farmers $3,965 $3,965
GEICO $2,534 $2,629
Liberty Mutual $4,253 $4,253
Nationwide $2,121 $2,121
Progressive $3,090 $3,090
State Farm $2,393 $2,514
USAA $2,448 $2,630

Cheap Lamar, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lamar, Missouri

Insurance Company Low Medium High
Allstate $3,930 $4,081 $4,258
American Family $2,965 $3,154 $3,052
Farmers $3,709 $3,926 $4,260
GEICO $2,411 $2,599 $2,734
Liberty Mutual $4,022 $4,274 $4,464
Nationwide $1,996 $2,141 $2,227
Progressive $2,794 $3,097 $3,380
State Farm $2,312 $2,462 $2,586
USAA $2,426 $2,530 $2,661

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Best By Category: Cheapest Auto Insurance in Lamar, Missouri

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

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

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

Average Annual Auto Insurance Rates by Company in Lamar, Missouri

Insurance Company Average Annual Rates
Allstate $4,089
American Family $3,057
Farmers $3,965
GEICO $2,581
Liberty Mutual $4,253
Nationwide $2,121
Progressive $3,091
State Farm $2,453
USAA $2,539

What affects auto insurance rates in Lamar, Missouri?

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

Lamar Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lamar, Missouri commute length is 20.0 minutes according to City-Data.

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Compare Lamar, Missouri Auto Insurance Quotes

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