Best Cheap Auto Insurance in Westphalia, MO (2021)

The average Westphalia, MO auto insurance rates are $263 per month. The minimum auto insurance in Westphalia is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Westphalia, 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

  • The most expensive auto insurance company in Westphalia for teen drivers is Liberty Mutual
  • Average auto insurance rates in Westphalia, MO for senior drivers are $1,772 per year
  • The minimum auto insurance required in Westphalia, Missouri is 25/50/25

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

Compare auto insurance in Westphalia to other Missouri cities, including Independence auto insurance rates, St. Charles auto insurance rates, and St. Louis auto insurance rates to see how Westphalia, Missouri auto insurance rates stack up.

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

Minimum Auto Insurance in Westphalia, Missouri

Westphalia, 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 Westphalia, Missouri.

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

Auto insurance rates in Westphalia, 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 Westphalia, 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 $2,716 $2,637 $2,437 $2,515 $7,369 $7,979 $2,618 $2,710
American Family $2,086 $2,086 $1,854 $1,854 $5,582 $7,284 $2,086 $2,450
Farmers $2,190 $2,181 $1,956 $2,073 $8,995 $9,298 $2,495 $2,605
GEICO $1,646 $1,851 $1,280 $1,651 $5,205 $5,511 $1,499 $1,504
Liberty Mutual $2,657 $2,879 $2,187 $2,451 $9,172 $10,183 $2,800 $2,990
Nationwide $1,410 $1,443 $1,259 $1,338 $3,551 $4,564 $1,607 $1,742
Progressive $1,889 $1,764 $1,545 $1,590 $6,035 $6,788 $2,306 $2,359
State Farm $1,637 $1,637 $1,451 $1,451 $4,575 $5,775 $1,837 $2,099
USAA $1,661 $1,646 $1,491 $1,518 $5,002 $6,115 $2,074 $2,307

Cheap Westphalia, Missouri Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Westphalia, Missouri

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,369 $7,979
American Family $5,582 $7,284
Farmers $8,995 $9,298
GEICO $5,205 $5,511
Liberty Mutual $9,172 $10,183
Nationwide $3,551 $4,564
Progressive $6,035 $6,788
State Farm $4,575 $5,775
USAA $5,002 $6,115

Cheap Westphalia, Missouri Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Westphalia, Missouri

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,437 $2,515
American Family $1,854 $1,854
Farmers $1,956 $2,073
GEICO $1,280 $1,651
Liberty Mutual $2,187 $2,451
Nationwide $1,259 $1,338
Progressive $1,545 $1,590
State Farm $1,451 $1,451
USAA $1,491 $1,518

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

Annual Westphalia, Missouri Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,338 $3,753 $4,637 $3,763
American Family $2,401 $3,416 $4,106 $2,718
Farmers $3,442 $4,273 $4,179 $4,002
GEICO $1,946 $2,549 $3,461 $2,118
Liberty Mutual $3,206 $4,603 $4,747 $5,104
Nationwide $1,674 $2,131 $2,825 $1,826
Progressive $2,641 $3,503 $2,917 $3,077
State Farm $2,361 $2,754 $2,558 $2,558
USAA $2,179 $2,649 $3,694 $2,385

Cheap Westphalia, Missouri Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Westphalia, Missouri

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,637
American Family $4,106
Farmers $4,179
GEICO $3,461
Liberty Mutual $4,747
Nationwide $2,825
Progressive $2,917
State Farm $2,558
USAA $3,694

Cheap Westphalia, Missouri Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Westphalia, Missouri

Insurance Company Poor Fair Good
Allstate $5,341 $3,435 $2,842
American Family $4,136 $2,902 $2,443
Farmers $4,539 $3,784 $3,599
GEICO $3,473 $2,267 $1,815
Liberty Mutual $6,339 $3,864 $3,041
Nationwide $2,496 $2,057 $1,790
Progressive $3,519 $2,907 $2,678
State Farm $3,460 $2,301 $1,912
USAA $4,567 $2,109 $1,505

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Cheap Westphalia, Missouri Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Westphalia, Missouri

ZIP Code Average Annual Rates
65085 $2,584

Cheap Westphalia, Missouri Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Westphalia, Missouri

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,873 $3,873
American Family $3,128 $3,192
Farmers $3,974 $3,974
GEICO $2,472 $2,565
Liberty Mutual $4,415 $4,415
Nationwide $2,114 $2,114
Progressive $3,035 $3,035
State Farm $2,497 $2,619
USAA $2,630 $2,824

Cheap Westphalia, Missouri Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Westphalia, Missouri

Insurance Company Low Medium High
Allstate $3,735 $3,865 $4,018
American Family $3,071 $3,261 $3,149
Farmers $3,724 $3,937 $4,261
GEICO $2,352 $2,537 $2,666
Liberty Mutual $4,171 $4,435 $4,638
Nationwide $1,993 $2,132 $2,217
Progressive $2,725 $3,041 $3,338
State Farm $2,422 $2,564 $2,686
USAA $2,627 $2,720 $2,834

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Best By Category: Cheapest Auto Insurance in Westphalia, Missouri

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

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

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

Average Annual Auto Insurance Rates by Company in Westphalia, Missouri

Insurance Company Average Annual Rates
Allstate $3,873
American Family $3,160
Farmers $3,974
GEICO $2,518
Liberty Mutual $4,415
Nationwide $2,114
Progressive $3,035
State Farm $2,558
USAA $2,727

What affects auto insurance rates in Westphalia, Missouri?

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

Westphalia Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Westphalia, Missouri commute length is 20.9 minutes according to City-Data.

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Compare Westphalia, Missouri Auto Insurance Quotes

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