Best Cheap Auto Insurance in Lucerne, MO (2021)

The average Lucerne, MO auto insurance rates are $268 per month. The minimum auto insurance in Lucerne is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Lucerne, 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: Jul 18, 2021

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Things to Remember

  • The cheapest auto insurance company in Lucerne is Nationwide
  • The minimum auto insurance required in Lucerne, Missouri is 25/50/25
  • The most expensive auto insurance company in Lucerne for teen drivers is Farmers

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

Compare auto insurance in Lucerne to other Missouri cities, including Springfield auto insurance rates, St. Louis auto insurance rates, and St. Joseph auto insurance rates to see how Lucerne, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Lucerne, Missouri

Lucerne, 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 Lucerne, Missouri.

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

Auto insurance rates in Lucerne, 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 Lucerne, 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 $2,050 $2,050 $1,818 $1,818 $5,392 $7,044 $2,050 $2,421
Farmers $2,584 $2,574 $2,319 $2,442 $10,102 $10,436 $2,950 $3,108
GEICO $1,907 $2,104 $1,484 $1,834 $5,572 $5,914 $1,802 $1,835
Liberty Mutual $2,589 $2,810 $2,135 $2,392 $8,469 $9,402 $2,737 $2,932
Nationwide $1,397 $1,439 $1,239 $1,328 $3,413 $4,434 $1,583 $1,729
Progressive $2,123 $2,018 $1,734 $1,779 $6,277 $7,090 $2,600 $2,675
State Farm $1,651 $1,651 $1,450 $1,450 $4,407 $5,604 $1,848 $2,088
USAA $1,545 $1,541 $1,378 $1,418 $4,426 $5,428 $1,944 $2,178

Cheap Lucerne, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lucerne, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,583 $8,206
American Family $5,392 $7,044
Farmers $10,102 $10,436
GEICO $5,572 $5,914
Liberty Mutual $8,469 $9,402
Nationwide $3,413 $4,434
Progressive $6,277 $7,090
State Farm $4,407 $5,604
USAA $4,426 $5,428

Cheap Lucerne, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lucerne, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,482 $2,562
American Family $1,818 $1,818
Farmers $2,319 $2,442
GEICO $1,484 $1,834
Liberty Mutual $2,135 $2,392
Nationwide $1,239 $1,328
Progressive $1,734 $1,779
State Farm $1,450 $1,450
USAA $1,378 $1,418

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

Annual Lucerne, 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 $2,352 $3,334 $3,979 $2,656
Farmers $3,982 $4,882 $4,780 $4,613
GEICO $2,267 $2,832 $3,697 $2,429
Liberty Mutual $3,053 $4,349 $4,504 $4,826
Nationwide $1,667 $2,086 $2,722 $1,807
Progressive $2,912 $3,734 $3,174 $3,328
State Farm $2,340 $2,697 $2,519 $2,519
USAA $2,027 $2,420 $3,284 $2,197

Cheap Lucerne, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lucerne, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,758
American Family $3,979
Farmers $4,780
GEICO $3,697
Liberty Mutual $4,504
Nationwide $2,722
Progressive $3,174
State Farm $2,519
USAA $3,284

Cheap Lucerne, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lucerne, Missouri

Insurance Company Poor Fair Good
Allstate $5,465 $3,514 $2,906
American Family $4,026 $2,830 $2,384
Farmers $5,230 $4,336 $4,126
GEICO $3,875 $2,525 $2,020
Liberty Mutual $6,018 $3,651 $2,880
Nationwide $2,454 $2,006 $1,751
Progressive $3,823 $3,143 $2,894
State Farm $3,339 $2,285 $1,932
USAA $4,157 $1,919 $1,371

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Cheap Lucerne, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lucerne, Missouri

ZIP Code Average Annual Rates
64655 $2,656

Cheap Lucerne, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lucerne, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,962 $3,962
American Family $3,049 $3,112
Farmers $4,564 $4,564
GEICO $2,747 $2,866
Liberty Mutual $4,183 $4,183
Nationwide $2,070 $2,070
Progressive $3,287 $3,287
State Farm $2,457 $2,580
USAA $2,390 $2,574

Cheap Lucerne, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lucerne, Missouri

Insurance Company Low Medium High
Allstate $3,825 $3,954 $4,107
American Family $3,015 $3,180 $3,046
Farmers $4,330 $4,531 $4,831
GEICO $2,652 $2,822 $2,946
Liberty Mutual $3,968 $4,202 $4,380
Nationwide $1,958 $2,087 $2,166
Progressive $3,007 $3,294 $3,560
State Farm $2,387 $2,526 $2,643
USAA $2,385 $2,474 $2,587

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Best By Category: Cheapest Auto Insurance in Lucerne, Missouri

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

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

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

Average Annual Auto Insurance Rates by Company in Lucerne, Missouri

Insurance Company Average Annual Rates
Allstate $3,962
American Family $3,080
Farmers $4,564
GEICO $2,806
Liberty Mutual $4,183
Nationwide $2,070
Progressive $3,287
State Farm $2,519
USAA $2,482

What affects auto insurance rates in Lucerne, Missouri?

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

Lucerne Traffic

How does Lucerne, Missouri rank for traffic? According to Inrix Lucerne, Missouri is the 326th most congested worldwide.

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Compare Lucerne, Missouri Auto Insurance Quotes

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