Best Cheap Auto Insurance in Washington, MO (2021)

The average Washington, MO auto insurance rates are $283 per month. The minimum auto insurance in Washington is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Washington, 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 Washington, MO for senior drivers are $1,885 per year
  • The average commute length in Washington is 21.6 minutes
  • The minimum auto insurance required in Washington, Missouri is 25/50/25

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

Compare auto insurance in Washington to other Missouri cities, including St. Joseph auto insurance rates, St. Peters auto insurance rates, and Lee’s Summit auto insurance rates to see how Washington, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Washington, Missouri

Washington, 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 Washington, Missouri.

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

Auto insurance rates in Washington, 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 Washington, 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 $2,953 $2,843 $2,673 $2,756 $8,554 $9,285 $2,795 $2,873
American Family $2,243 $2,243 $2,000 $2,000 $6,230 $8,088 $2,243 $2,616
Farmers $2,347 $2,332 $2,092 $2,221 $9,810 $10,132 $2,678 $2,792
GEICO $1,972 $2,230 $1,535 $2,000 $6,328 $6,695 $1,786 $1,788
Liberty Mutual $2,826 $3,061 $2,320 $2,606 $10,157 $11,289 $2,973 $3,165
Nationwide $1,457 $1,483 $1,311 $1,381 $3,753 $4,776 $1,668 $1,796
Progressive $1,890 $1,738 $1,551 $1,595 $6,464 $7,245 $2,300 $2,362
State Farm $1,746 $1,746 $1,574 $1,574 $5,201 $6,535 $1,968 $2,256
USAA $1,503 $1,488 $1,359 $1,379 $4,499 $5,488 $1,862 $2,065

Cheap Washington, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Washington, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,554 $9,285
American Family $6,230 $8,088
Farmers $9,810 $10,132
GEICO $6,328 $6,695
Liberty Mutual $10,157 $11,289
Nationwide $3,753 $4,776
Progressive $6,464 $7,245
State Farm $5,201 $6,535
USAA $4,499 $5,488

Cheap Washington, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Washington, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,673 $2,756
American Family $2,000 $2,000
Farmers $2,092 $2,221
GEICO $1,535 $2,000
Liberty Mutual $2,320 $2,606
Nationwide $1,311 $1,381
Progressive $1,551 $1,595
State Farm $1,574 $1,574
USAA $1,359 $1,379

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

Annual Washington, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,695 $4,194 $5,269 $4,209
American Family $2,572 $3,725 $4,588 $2,947
Farmers $3,706 $4,635 $4,530 $4,331
GEICO $2,337 $3,071 $4,210 $2,548
Liberty Mutual $3,476 $5,016 $5,154 $5,553
Nationwide $1,721 $2,222 $2,982 $1,888
Progressive $2,699 $3,674 $3,010 $3,189
State Farm $2,585 $3,065 $2,825 $2,825
USAA $1,960 $2,389 $3,328 $2,146

Cheap Washington, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Washington, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,269
American Family $4,588
Farmers $4,530
GEICO $4,210
Liberty Mutual $5,154
Nationwide $2,982
Progressive $3,010
State Farm $2,825
USAA $3,328

Cheap Washington, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Washington, Missouri

Insurance Company Poor Fair Good
Allstate $5,991 $3,857 $3,177
American Family $4,518 $3,179 $2,678
Farmers $4,906 $4,099 $3,897
GEICO $4,202 $2,735 $2,187
Liberty Mutual $6,877 $4,211 $3,311
Nationwide $2,595 $2,150 $1,866
Progressive $3,626 $3,017 $2,786
State Farm $3,926 $2,511 $2,038
USAA $4,080 $1,912 $1,375

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Cheap Washington, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Washington, Missouri

ZIP Code Average Annual Rates
63090 $2,787

Cheap Washington, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Washington, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,342 $4,342
American Family $3,424 $3,492
Farmers $4,300 $4,300
GEICO $2,985 $3,098
Liberty Mutual $4,800 $4,800
Nationwide $2,203 $2,203
Progressive $3,143 $3,143
State Farm $2,756 $2,894
USAA $2,367 $2,544

Cheap Washington, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Washington, Missouri

Insurance Company Low Medium High
Allstate $4,171 $4,332 $4,522
American Family $3,347 $3,567 $3,460
Farmers $4,026 $4,261 $4,614
GEICO $2,828 $3,066 $3,231
Liberty Mutual $4,513 $4,824 $5,062
Nationwide $2,067 $2,223 $2,320
Progressive $2,826 $3,153 $3,451
State Farm $2,636 $2,835 $3,003
USAA $2,344 $2,446 $2,576

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Best By Category: Cheapest Auto Insurance in Washington, Missouri

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

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

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

Average Annual Auto Insurance Rates by Company in Washington, Missouri

Insurance Company Average Annual Rates
Allstate $4,342
American Family $3,458
Farmers $4,300
GEICO $3,042
Liberty Mutual $4,800
Nationwide $2,203
Progressive $3,143
State Farm $2,825
USAA $2,456

What affects auto insurance rates in Washington, Missouri?

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

Washington Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Washington, Missouri commute length is 21.6 minutes according to City-Data.

Washington Traffic

How does Washington, Missouri rank for traffic? According to Inrix Washington, Missouri is the 89th most congested worldwide.

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Compare Washington, Missouri Auto Insurance Quotes

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