Best Cheap Auto Insurance in Saginaw, MO (2021)

The average Saginaw, MO auto insurance rates are $274 per month. The minimum auto insurance in Saginaw is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Saginaw, Missouri, compare quotes from multiple companies.

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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.

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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 Saginaw, MO for senior drivers are $1,836 per year
  • The cheapest auto insurance company in Saginaw is Nationwide
  • The most expensive auto insurance company in Saginaw for teen drivers is Farmers

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

Compare auto insurance in Saginaw to other Missouri cities, including St. Joseph auto insurance rates, Kansas City auto insurance rates, and O’Fallon auto insurance rates to see how Saginaw, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Saginaw, Missouri

Saginaw, 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 Saginaw, Missouri.

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

Auto insurance rates in Saginaw, 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 Saginaw, 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 $2,822 $2,736 $2,532 $2,613 $7,715 $8,346 $2,716 $2,810
American Family $2,183 $2,183 $1,946 $1,946 $6,062 $7,874 $2,183 $2,545
Farmers $2,441 $2,430 $2,173 $2,305 $10,321 $10,689 $2,795 $2,922
GEICO $1,780 $2,007 $1,385 $1,807 $5,725 $6,039 $1,616 $1,613
Liberty Mutual $2,541 $2,754 $2,092 $2,346 $8,733 $9,700 $2,677 $2,859
Nationwide $1,457 $1,487 $1,306 $1,381 $3,720 $4,759 $1,665 $1,800
Progressive $1,928 $1,794 $1,582 $1,626 $6,296 $7,075 $2,354 $2,397
State Farm $1,684 $1,684 $1,512 $1,512 $4,927 $6,199 $1,896 $2,169
USAA $1,641 $1,624 $1,481 $1,502 $4,991 $6,094 $2,038 $2,263

Cheap Saginaw, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Saginaw, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,715 $8,346
American Family $6,062 $7,874
Farmers $10,321 $10,689
GEICO $5,725 $6,039
Liberty Mutual $8,733 $9,700
Nationwide $3,720 $4,759
Progressive $6,296 $7,075
State Farm $4,927 $6,199
USAA $4,991 $6,094

Cheap Saginaw, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Saginaw, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,532 $2,613
American Family $1,946 $1,946
Farmers $2,173 $2,305
GEICO $1,385 $1,807
Liberty Mutual $2,092 $2,346
Nationwide $1,306 $1,381
Progressive $1,582 $1,626
State Farm $1,512 $1,512
USAA $1,481 $1,502

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

Annual Saginaw, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,473 $3,909 $4,842 $3,921
American Family $2,505 $3,630 $4,458 $2,868
Farmers $3,879 $4,863 $4,752 $4,544
GEICO $2,107 $2,780 $3,803 $2,297
Liberty Mutual $3,062 $4,391 $4,529 $4,869
Nationwide $1,725 $2,215 $2,958 $1,889
Progressive $2,720 $3,622 $3,010 $3,173
State Farm $2,475 $2,921 $2,698 $2,698
USAA $2,150 $2,630 $3,681 $2,356

Cheap Saginaw, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Saginaw, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,842
American Family $4,458
Farmers $4,752
GEICO $3,803
Liberty Mutual $4,529
Nationwide $2,958
Progressive $3,010
State Farm $2,698
USAA $3,681

Cheap Saginaw, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Saginaw, Missouri

Insurance Company Poor Fair Good
Allstate $5,571 $3,579 $2,959
American Family $4,400 $3,092 $2,604
Farmers $5,141 $4,300 $4,088
GEICO $3,791 $2,471 $1,977
Liberty Mutual $6,049 $3,687 $2,903
Nationwide $2,589 $2,141 $1,861
Progressive $3,620 $3,005 $2,770
State Farm $3,722 $2,406 $1,966
USAA $4,495 $2,106 $1,513

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Cheap Saginaw, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Saginaw, Missouri

ZIP Code Average Annual Rates
64864 $2,707

Cheap Saginaw, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Saginaw, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,036 $4,036
American Family $3,332 $3,398
Farmers $4,510 $4,510
GEICO $2,696 $2,797
Liberty Mutual $4,213 $4,213
Nationwide $2,197 $2,197
Progressive $3,131 $3,131
State Farm $2,632 $2,764
USAA $2,607 $2,802

Cheap Saginaw, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Saginaw, Missouri

Insurance Company Low Medium High
Allstate $3,889 $4,028 $4,191
American Family $3,252 $3,471 $3,373
Farmers $4,219 $4,466 $4,844
GEICO $2,548 $2,771 $2,920
Liberty Mutual $3,975 $4,231 $4,432
Nationwide $2,064 $2,217 $2,309
Progressive $2,789 $3,139 $3,467
State Farm $2,524 $2,707 $2,863
USAA $2,581 $2,694 $2,838

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Best By Category: Cheapest Auto Insurance in Saginaw, Missouri

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

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

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

Average Annual Auto Insurance Rates by Company in Saginaw, Missouri

Insurance Company Average Annual Rates
Allstate $4,036
American Family $3,365
Farmers $4,510
GEICO $2,747
Liberty Mutual $4,213
Nationwide $2,197
Progressive $3,131
State Farm $2,698
USAA $2,704

What affects auto insurance rates in Saginaw, Missouri?

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

Saginaw Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Saginaw, Missouri commute length is 19.3 minutes according to City-Data.

Saginaw Traffic

How does Saginaw, Missouri rank for traffic? According to Inrix Saginaw, Missouri is the 939th most congested worldwide.

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Compare Saginaw, Missouri Auto Insurance Quotes

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