Best Cheap Auto Insurance in Polk, MO (2021)

The average Polk, MO auto insurance rates are $266 per month. The minimum auto insurance in Polk is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Polk, Missouri, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The most expensive auto insurance company in Polk for teen drivers is Farmers
  • Average auto insurance rates in Polk, MO for senior drivers are $1,790 per year
  • The cheapest auto insurance company in Polk is Nationwide

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

Compare auto insurance in Polk to other Missouri cities, including Kansas City auto insurance rates, St. Peters auto insurance rates, and Columbia auto insurance rates to see how Polk, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Polk, Missouri

Polk, 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 Polk, Missouri.

Minimum Required Auto Insurance Coverage in Polk, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Polk, Missouri Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Polk, 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 Polk, 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 $2,666 $2,577 $2,401 $2,477 $7,459 $8,072 $2,550 $2,632
American Family $2,067 $2,067 $1,842 $1,842 $5,700 $7,399 $2,067 $2,415
Farmers $2,299 $2,291 $2,054 $2,173 $9,433 $9,761 $2,627 $2,754
GEICO $1,967 $2,198 $1,523 $1,925 $6,022 $6,405 $1,820 $1,849
Liberty Mutual $2,551 $2,766 $2,102 $2,356 $8,699 $9,659 $2,690 $2,873
Nationwide $1,458 $1,488 $1,307 $1,382 $3,741 $4,784 $1,669 $1,803
Progressive $1,934 $1,796 $1,584 $1,629 $6,351 $7,136 $2,359 $2,418
State Farm $1,684 $1,684 $1,512 $1,512 $4,927 $6,199 $1,896 $2,169
USAA $1,433 $1,425 $1,288 $1,317 $4,154 $5,080 $1,787 $1,992

Cheap Polk, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Polk, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,459 $8,072
American Family $5,700 $7,399
Farmers $9,433 $9,761
GEICO $6,022 $6,405
Liberty Mutual $8,699 $9,659
Nationwide $3,741 $4,784
Progressive $6,351 $7,136
State Farm $4,927 $6,199
USAA $4,154 $5,080

Cheap Polk, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Polk, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,401 $2,477
American Family $1,842 $1,842
Farmers $2,054 $2,173
GEICO $1,523 $1,925
Liberty Mutual $2,102 $2,356
Nationwide $1,307 $1,382
Progressive $1,584 $1,629
State Farm $1,512 $1,512
USAA $1,288 $1,317

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

Annual Polk, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,299 $3,726 $4,651 $3,741
American Family $2,361 $3,436 $4,199 $2,703
Farmers $3,614 $4,485 $4,387 $4,210
GEICO $2,338 $2,993 $3,996 $2,528
Liberty Mutual $3,064 $4,389 $4,529 $4,865
Nationwide $1,728 $2,222 $2,972 $1,893
Progressive $2,727 $3,656 $3,024 $3,196
State Farm $2,475 $2,921 $2,698 $2,698
USAA $1,870 $2,251 $3,082 $2,035

Cheap Polk, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Polk, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,651
American Family $4,199
Farmers $4,387
GEICO $3,996
Liberty Mutual $4,529
Nationwide $2,972
Progressive $3,024
State Farm $2,698
USAA $3,082

Cheap Polk, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Polk, Missouri

Insurance Company Poor Fair Good
Allstate $5,313 $3,422 $2,828
American Family $4,144 $2,920 $2,460
Farmers $4,771 $3,973 $3,778
GEICO $4,093 $2,666 $2,132
Liberty Mutual $6,045 $3,686 $2,904
Nationwide $2,596 $2,148 $1,867
Progressive $3,646 $3,021 $2,786
State Farm $3,722 $2,406 $1,966
USAA $3,840 $1,796 $1,291

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Polk, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Polk, Missouri

ZIP Code Average Annual Rates
65727 $2,631

Cheap Polk, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Polk, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,854 $3,854
American Family $3,143 $3,206
Farmers $4,174 $4,174
GEICO $2,905 $3,022
Liberty Mutual $4,212 $4,212
Nationwide $2,204 $2,204
Progressive $3,151 $3,151
State Farm $2,632 $2,764
USAA $2,224 $2,394

Cheap Polk, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Polk, Missouri

Insurance Company Low Medium High
Allstate $3,717 $3,846 $3,999
American Family $3,078 $3,275 $3,171
Farmers $3,917 $4,135 $4,471
GEICO $2,793 $2,981 $3,116
Liberty Mutual $3,981 $4,232 $4,423
Nationwide $2,066 $2,226 $2,319
Progressive $2,830 $3,158 $3,464
State Farm $2,524 $2,707 $2,863
USAA $2,204 $2,301 $2,423

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Polk, Missouri

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

Best Annual Auto Insurance Rates by Company in Polk, Missouri

Category Insurance Company
Teenagers Nationwide
Seniors USAA
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI State Farm
With 1 Speeding Violation Nationwide

The Cheapest Polk, Missouri Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Polk, Missouri

Insurance Company Average Annual Rates
Allstate $3,854
American Family $3,175
Farmers $4,174
GEICO $2,964
Liberty Mutual $4,212
Nationwide $2,204
Progressive $3,151
State Farm $2,698
USAA $2,309

Compare Polk, Missouri Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption