Best Cheap Auto Insurance in Lock Springs, MO (2021)

The average Lock Springs, MO auto insurance rates are $263 per month. The minimum auto insurance in Lock Springs is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Lock Springs, 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

  • The cheapest auto insurance company in Lock Springs is Nationwide
  • The most expensive auto insurance company in Lock Springs for teen drivers is Farmers
  • The average commute length in Lock Springs is 44.7 minutes

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

Compare auto insurance in Lock Springs to other Missouri cities, including St. Peters auto insurance rates, St. Charles auto insurance rates, and Springfield auto insurance rates to see how Lock Springs, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Lock Springs, Missouri

Lock Springs, 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 Lock Springs, Missouri.

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

Auto insurance rates in Lock Springs, 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 Lock Springs, 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 $1,999 $1,999 $1,779 $1,779 $5,395 $7,027 $1,999 $2,345
Farmers $2,248 $2,242 $2,014 $2,128 $8,959 $9,264 $2,556 $2,679
GEICO $1,874 $2,089 $1,453 $1,830 $5,703 $6,060 $1,737 $1,762
Liberty Mutual $2,626 $2,852 $2,165 $2,429 $8,509 $9,453 $2,775 $2,972
Nationwide $1,431 $1,472 $1,271 $1,359 $3,564 $4,614 $1,628 $1,774
Progressive $2,025 $1,921 $1,656 $1,698 $6,025 $6,798 $2,478 $2,539
State Farm $1,602 $1,602 $1,412 $1,412 $4,343 $5,508 $1,794 $2,034
USAA $1,605 $1,589 $1,448 $1,469 $4,844 $5,914 $1,995 $2,214

Cheap Lock Springs, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lock Springs, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,395 $7,027
Farmers $8,959 $9,264
GEICO $5,703 $6,060
Liberty Mutual $8,509 $9,453
Nationwide $3,564 $4,614
Progressive $6,025 $6,798
State Farm $4,343 $5,508
USAA $4,844 $5,914

Cheap Lock Springs, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lock Springs, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,779 $1,779
Farmers $2,014 $2,128
GEICO $1,453 $1,830
Liberty Mutual $2,165 $2,429
Nationwide $1,271 $1,359
Progressive $1,656 $1,698
State Farm $1,412 $1,412
USAA $1,448 $1,469

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

Annual Lock Springs, 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 $2,290 $3,296 $3,971 $2,604
Farmers $3,498 $4,297 $4,207 $4,042
GEICO $2,224 $2,842 $3,785 $2,402
Liberty Mutual $3,086 $4,388 $4,547 $4,869
Nationwide $1,708 $2,156 $2,835 $1,857
Progressive $2,784 $3,570 $3,035 $3,181
State Farm $2,284 $2,644 $2,464 $2,464
USAA $2,100 $2,561 $3,578 $2,300

Cheap Lock Springs, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lock Springs, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,758
American Family $3,971
Farmers $4,207
GEICO $3,785
Liberty Mutual $4,547
Nationwide $2,835
Progressive $3,035
State Farm $2,464
USAA $3,578

Cheap Lock Springs, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lock Springs, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $3,973 $2,794 $2,354
Farmers $4,591 $3,813 $3,629
GEICO $3,884 $2,531 $2,025
Liberty Mutual $6,075 $3,685 $2,908
Nationwide $2,532 $2,076 $1,809
Progressive $3,653 $3,007 $2,768
State Farm $3,290 $2,228 $1,873
USAA $4,394 $2,045 $1,465

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Cheap Lock Springs, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lock Springs, Missouri

ZIP Code Average Annual Rates
64654 $2,594

Cheap Lock Springs, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lock Springs, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,962 $3,962
American Family $3,010 $3,071
Farmers $4,011 $4,011
GEICO $2,758 $2,868
Liberty Mutual $4,223 $4,223
Nationwide $2,139 $2,139
Progressive $3,143 $3,143
State Farm $2,404 $2,523
USAA $2,541 $2,729

Cheap Lock Springs, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lock Springs, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $2,954 $3,137 $3,030
Farmers $3,773 $3,976 $4,285
GEICO $2,652 $2,830 $2,958
Liberty Mutual $3,998 $4,242 $4,429
Nationwide $2,024 $2,157 $2,236
Progressive $2,859 $3,150 $3,419
State Farm $2,332 $2,470 $2,588
USAA $2,526 $2,626 $2,752

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Best By Category: Cheapest Auto Insurance in Lock Springs, Missouri

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

Best Annual Auto Insurance Rates by Company in Lock Springs, 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 Lock Springs, Missouri Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lock Springs, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $3,040
Farmers $4,011
GEICO $2,813
Liberty Mutual $4,223
Nationwide $2,139
Progressive $3,143
State Farm $2,464
USAA $2,635

What affects auto insurance rates in Lock Springs, Missouri?

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

Lock Springs Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lock Springs, Missouri commute length is 44.7 minutes according to City-Data.

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Compare Lock Springs, Missouri Auto Insurance Quotes

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