Best Cheap Auto Insurance in Napoleon, MO (2021)

The average Napoleon, MO auto insurance rates are $279 per month. The minimum auto insurance in Napoleon is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Napoleon, 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

  • Average auto insurance rates in Napoleon, MO for senior drivers are $1,864 per year
  • The average commute length in Napoleon is 36.4 minutes
  • The cheapest auto insurance company in Napoleon is Nationwide

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

Compare auto insurance in Napoleon to other Missouri cities, including O’Fallon auto insurance rates, Springfield auto insurance rates, and St. Charles auto insurance rates to see how Napoleon, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Napoleon, Missouri

Napoleon, 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 Napoleon, Missouri.

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

Auto insurance rates in Napoleon, 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 Napoleon, 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 $2,799 $2,700 $2,530 $2,609 $7,989 $8,664 $2,660 $2,738
American Family $2,130 $2,130 $1,899 $1,899 $5,879 $7,635 $2,130 $2,485
Farmers $2,397 $2,380 $2,135 $2,265 $10,131 $10,468 $2,752 $2,877
GEICO $1,846 $2,076 $1,431 $1,857 $5,929 $6,259 $1,673 $1,671
Liberty Mutual $2,966 $3,218 $2,434 $2,732 $10,148 $11,278 $3,133 $3,353
Nationwide $1,448 $1,477 $1,298 $1,372 $3,721 $4,756 $1,657 $1,790
Progressive $2,010 $1,846 $1,648 $1,697 $6,759 $7,566 $2,438 $2,481
State Farm $1,637 $1,637 $1,465 $1,465 $4,781 $6,026 $1,843 $2,108
USAA $1,554 $1,543 $1,391 $1,422 $4,587 $5,609 $1,939 $2,160

Cheap Napoleon, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Napoleon, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,989 $8,664
American Family $5,879 $7,635
Farmers $10,131 $10,468
GEICO $5,929 $6,259
Liberty Mutual $10,148 $11,278
Nationwide $3,721 $4,756
Progressive $6,759 $7,566
State Farm $4,781 $6,026
USAA $4,587 $5,609

Cheap Napoleon, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Napoleon, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,530 $2,609
American Family $1,899 $1,899
Farmers $2,135 $2,265
GEICO $1,431 $1,857
Liberty Mutual $2,434 $2,732
Nationwide $1,298 $1,372
Progressive $1,648 $1,697
State Farm $1,465 $1,465
USAA $1,391 $1,422

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

Annual Napoleon, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,487 $3,950 $4,944 $3,963
American Family $2,440 $3,536 $4,326 $2,791
Farmers $3,796 $4,776 $4,665 $4,466
GEICO $2,180 $2,881 $3,932 $2,378
Liberty Mutual $3,567 $5,113 $5,280 $5,671
Nationwide $1,716 $2,208 $2,955 $1,880
Progressive $2,852 $3,849 $3,170 $3,351
State Farm $2,405 $2,836 $2,620 $2,620
USAA $2,036 $2,458 $3,392 $2,217

Cheap Napoleon, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Napoleon, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,944
American Family $4,326
Farmers $4,665
GEICO $3,932
Liberty Mutual $5,280
Nationwide $2,955
Progressive $3,170
State Farm $2,620
USAA $3,392

Cheap Napoleon, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Napoleon, Missouri

Insurance Company Poor Fair Good
Allstate $5,634 $3,630 $2,994
American Family $4,276 $3,008 $2,535
Farmers $5,046 $4,220 $4,011
GEICO $3,925 $2,557 $2,046
Liberty Mutual $7,056 $4,291 $3,376
Nationwide $2,580 $2,135 $1,855
Progressive $3,822 $3,171 $2,923
State Farm $3,609 $2,339 $1,913
USAA $4,216 $1,958 $1,402

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Cheap Napoleon, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Napoleon, Missouri

ZIP Code Average Annual Rates
64074 $2,757

Cheap Napoleon, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Napoleon, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,086 $4,086
American Family $3,241 $3,305
Farmers $4,426 $4,426
GEICO $2,792 $2,893
Liberty Mutual $4,908 $4,908
Nationwide $2,190 $2,190
Progressive $3,306 $3,306
State Farm $2,556 $2,685
USAA $2,433 $2,618

Cheap Napoleon, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Napoleon, Missouri

Insurance Company Low Medium High
Allstate $3,927 $4,077 $4,254
American Family $3,167 $3,376 $3,277
Farmers $4,155 $4,387 $4,735
GEICO $2,648 $2,869 $3,011
Liberty Mutual $4,643 $4,929 $5,151
Nationwide $2,057 $2,211 $2,301
Progressive $2,946 $3,317 $3,654
State Farm $2,457 $2,631 $2,773
USAA $2,420 $2,517 $2,640

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Best By Category: Cheapest Auto Insurance in Napoleon, Missouri

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

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

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

Average Annual Auto Insurance Rates by Company in Napoleon, Missouri

Insurance Company Average Annual Rates
Allstate $4,086
American Family $3,273
Farmers $4,426
GEICO $2,843
Liberty Mutual $4,908
Nationwide $2,190
Progressive $3,306
State Farm $2,620
USAA $2,526

What affects auto insurance rates in Napoleon, Missouri?

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

Napoleon Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Napoleon, Missouri commute length is 36.4 minutes according to City-Data.

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Compare Napoleon, Missouri Auto Insurance Quotes

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