Best Cheap Auto Insurance in Richwoods, MO (2021)

The average Richwoods, MO auto insurance rates are $296 per month. The minimum auto insurance in Richwoods is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Richwoods, 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 Daniel Walker

UPDATED: May 4, 2022

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Things to Remember

  • The cheapest auto insurance company in Richwoods is Nationwide
  • Average auto insurance rates in Richwoods, MO for senior drivers are $1,973 per year
  • The minimum auto insurance required in Richwoods, Missouri is 25/50/25

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

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

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

Minimum Auto Insurance in Richwoods, Missouri

Richwoods, 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 Richwoods, Missouri.

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

Auto insurance rates in Richwoods, 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 Richwoods, 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 $3,119 $3,016 $2,808 $2,897 $8,761 $9,509 $2,981 $3,075
American Family $2,213 $2,213 $1,971 $1,971 $6,087 $7,918 $2,213 $2,586
Farmers $2,362 $2,362 $2,105 $2,230 $9,902 $10,285 $2,693 $2,818
GEICO $1,936 $2,196 $1,493 $1,937 $6,230 $6,645 $1,743 $1,763
Liberty Mutual $2,754 $2,983 $2,263 $2,537 $9,746 $10,821 $2,902 $3,098
Nationwide $1,476 $1,507 $1,320 $1,398 $3,784 $4,845 $1,688 $1,825
Progressive $2,493 $2,318 $2,042 $2,099 $8,356 $9,413 $3,055 $3,166
State Farm $2,082 $2,082 $1,851 $1,851 $5,890 $7,416 $2,337 $2,680
USAA $1,503 $1,488 $1,359 $1,379 $4,499 $5,488 $1,862 $2,065

Cheap Richwoods, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Richwoods, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,761 $9,509
American Family $6,087 $7,918
Farmers $9,902 $10,285
GEICO $6,230 $6,645
Liberty Mutual $9,746 $10,821
Nationwide $3,784 $4,845
Progressive $8,356 $9,413
State Farm $5,890 $7,416
USAA $4,499 $5,488

Cheap Richwoods, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Richwoods, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,808 $2,897
American Family $1,971 $1,971
Farmers $2,105 $2,230
GEICO $1,493 $1,937
Liberty Mutual $2,263 $2,537
Nationwide $1,320 $1,398
Progressive $2,042 $2,099
State Farm $1,851 $1,851
USAA $1,359 $1,379

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

Annual Richwoods, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,873 $4,376 $5,447 $4,387
American Family $2,544 $3,661 $4,477 $2,904
Farmers $3,762 $4,674 $4,572 $4,371
GEICO $2,296 $3,026 $4,141 $2,509
Liberty Mutual $3,359 $4,841 $4,984 $5,368
Nationwide $1,751 $2,249 $3,005 $1,917
Progressive $3,538 $4,807 $3,944 $4,182
State Farm $3,017 $3,531 $3,274 $3,274
USAA $1,960 $2,389 $3,328 $2,146

Cheap Richwoods, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Richwoods, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,447
American Family $4,477
Farmers $4,572
GEICO $4,141
Liberty Mutual $4,984
Nationwide $3,005
Progressive $3,944
State Farm $3,274
USAA $3,328

Cheap Richwoods, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Richwoods, Missouri

Insurance Company Poor Fair Good
Allstate $6,244 $4,011 $3,307
American Family $4,443 $3,120 $2,627
Farmers $4,959 $4,138 $3,937
GEICO $4,134 $2,692 $2,153
Liberty Mutual $6,660 $4,062 $3,192
Nationwide $2,630 $2,173 $1,889
Progressive $4,756 $3,947 $3,649
State Farm $4,454 $2,938 $2,430
USAA $4,080 $1,912 $1,375

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Cheap Richwoods, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Richwoods, Missouri

ZIP Code Average Annual Rates
63071 $2,936

Cheap Richwoods, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Richwoods, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,521 $4,521
American Family $3,363 $3,430
Farmers $4,345 $4,345
GEICO $2,939 $3,047
Liberty Mutual $4,638 $4,638
Nationwide $2,230 $2,230
Progressive $4,118 $4,118
State Farm $3,196 $3,351
USAA $2,367 $2,544

Cheap Richwoods, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Richwoods, Missouri

Insurance Company Low Medium High
Allstate $4,350 $4,511 $4,702
American Family $3,289 $3,504 $3,397
Farmers $4,045 $4,296 $4,692
GEICO $2,812 $3,011 $3,156
Liberty Mutual $4,378 $4,658 $4,877
Nationwide $2,095 $2,253 $2,344
Progressive $3,726 $4,123 $4,504
State Farm $3,097 $3,281 $3,444
USAA $2,344 $2,446 $2,576

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Best By Category: Cheapest Auto Insurance in Richwoods, Missouri

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

Best Annual Auto Insurance Rates by Company in Richwoods, Missouri

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

The Cheapest Richwoods, Missouri Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Richwoods, Missouri

Insurance Company Average Annual Rates
Allstate $4,521
American Family $3,397
Farmers $4,345
GEICO $2,993
Liberty Mutual $4,638
Nationwide $2,231
Progressive $4,118
State Farm $3,274
USAA $2,456

Compare Richwoods, Missouri Auto Insurance Quotes

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