Best Cheap Auto Insurance in Montrose, MO (2021)

The average Montrose, MO auto insurance rates are $262 per month. The minimum auto insurance in Montrose is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Montrose, 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 average commute length in Montrose is 32.4 minutes
  • The minimum auto insurance required in Montrose, Missouri is 25/50/25
  • Average auto insurance rates in Montrose, MO for senior drivers are $1,775 per year

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

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

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

Minimum Auto Insurance in Montrose, Missouri

Montrose, 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 Montrose, Missouri.

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

Auto insurance rates in Montrose, 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 Montrose, 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 $2,034 $2,034 $1,813 $1,813 $5,611 $7,283 $2,034 $2,375
Farmers $2,234 $2,227 $1,997 $2,114 $9,129 $9,441 $2,549 $2,670
GEICO $1,802 $2,006 $1,408 $1,783 $5,510 $5,819 $1,667 $1,675
Liberty Mutual $2,570 $2,788 $2,121 $2,379 $8,546 $9,490 $2,709 $2,893
Nationwide $1,356 $1,383 $1,218 $1,287 $3,437 $4,389 $1,548 $1,671
Progressive $1,959 $1,824 $1,603 $1,649 $6,354 $7,145 $2,391 $2,452
State Farm $1,532 $1,532 $1,368 $1,368 $4,357 $5,510 $1,721 $1,953
USAA $1,547 $1,532 $1,398 $1,418 $4,668 $5,698 $1,921 $2,132

Cheap Montrose, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Montrose, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,835 $8,472
American Family $5,611 $7,283
Farmers $9,129 $9,441
GEICO $5,510 $5,819
Liberty Mutual $8,546 $9,490
Nationwide $3,437 $4,389
Progressive $6,354 $7,145
State Farm $4,357 $5,510
USAA $4,668 $5,698

Cheap Montrose, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Montrose, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,563 $2,646
American Family $1,813 $1,813
Farmers $1,997 $2,114
GEICO $1,408 $1,783
Liberty Mutual $2,121 $2,379
Nationwide $1,218 $1,287
Progressive $1,603 $1,649
State Farm $1,368 $1,368
USAA $1,398 $1,418

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

Annual Montrose, 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 $2,322 $3,384 $4,133 $2,659
Farmers $3,507 $4,345 $4,250 $4,078
GEICO $2,130 $2,742 $3,660 $2,303
Liberty Mutual $3,052 $4,358 $4,504 $4,833
Nationwide $1,602 $2,053 $2,736 $1,753
Progressive $2,751 $3,673 $3,046 $3,218
State Farm $2,226 $2,609 $2,418 $2,418
USAA $2,023 $2,470 $3,448 $2,216

Cheap Montrose, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Montrose, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,908
American Family $4,133
Farmers $4,250
GEICO $3,660
Liberty Mutual $4,504
Nationwide $2,736
Progressive $3,046
State Farm $2,418
USAA $3,448

Cheap Montrose, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Montrose, Missouri

Insurance Company Poor Fair Good
Allstate $5,647 $3,626 $2,996
American Family $4,077 $2,874 $2,422
Farmers $4,625 $3,850 $3,661
GEICO $3,738 $2,437 $1,951
Liberty Mutual $6,015 $3,660 $2,886
Nationwide $2,398 $1,984 $1,726
Progressive $3,674 $3,040 $2,802
State Farm $3,295 $2,168 $1,790
USAA $4,222 $1,976 $1,420

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Cheap Montrose, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Montrose, Missouri

ZIP Code Average Annual Rates
64770 $2,587

Cheap Montrose, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Montrose, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,089 $4,089
American Family $3,094 $3,155
Farmers $4,045 $4,045
GEICO $2,657 $2,761
Liberty Mutual $4,187 $4,187
Nationwide $2,036 $2,036
Progressive $3,172 $3,172
State Farm $2,357 $2,478
USAA $2,448 $2,630

Cheap Montrose, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Montrose, Missouri

Insurance Company Low Medium High
Allstate $3,930 $4,081 $4,258
American Family $3,028 $3,223 $3,122
Farmers $3,795 $4,007 $4,333
GEICO $2,533 $2,729 $2,864
Liberty Mutual $3,952 $4,207 $4,402
Nationwide $1,912 $2,055 $2,142
Progressive $2,851 $3,179 $3,486
State Farm $2,260 $2,427 $2,566
USAA $2,426 $2,530 $2,661

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Best By Category: Cheapest Auto Insurance in Montrose, Missouri

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

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

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

Average Annual Auto Insurance Rates by Company in Montrose, Missouri

Insurance Company Average Annual Rates
Allstate $4,089
American Family $3,124
Farmers $4,045
GEICO $2,709
Liberty Mutual $4,187
Nationwide $2,036
Progressive $3,172
State Farm $2,418
USAA $2,539

What affects auto insurance rates in Montrose, Missouri?

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

Montrose Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Montrose, Missouri commute length is 32.4 minutes according to City-Data.

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Compare Montrose, Missouri Auto Insurance Quotes

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