Grandview, MO Auto Insurance (2024)
The average Grandview, MO auto insurance rates are $307 per month. The minimum auto insurance in Grandview is at least 25/50/25 in coverage to comply with Missouri auto insurance laws. To find the best cheap auto insurance in Grandview, Missouri, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
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.
UPDATED: Jun 22, 2023
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.
On This Page
- The minimum auto insurance required in Grandview, Missouri is 25/50/25
- The average commute length in Grandview is 22.9 minutes
- Average auto insurance rates in Grandview, MO for senior drivers are $2,035 per year
Grandview, Missouri auto insurance requirements are 25/50/25 according to Missouri auto insurance laws. Finding cheap auto insurance in Grandview 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 Grandview, Missouri, including driving record, credit, commute time, and more.
Compare auto insurance in Grandview to other Missouri cities, including Springfield auto insurance rates, Independence auto insurance rates, and O’Fallon auto insurance rates to see how Grandview, Missouri auto insurance rates stack up.
Before you buy Grandview, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Grandview, Missouri auto insurance quotes.
Minimum Auto Insurance in Grandview, Missouri
Grandview, 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 Grandview, 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 Grandview, Missouri Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Grandview, Missouri are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| 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 | $3,140 | $3,025 | $2,829 | $2,919 | $9,034 | $9,779 | $2,985 | $3,079 |
| American Family | $2,328 | $2,328 | $2,077 | $2,077 | $6,535 | $8,472 | $2,328 | $2,707 |
| Farmers | $2,608 | $2,595 | $2,319 | $2,463 | $11,200 | $11,598 | $2,988 | $3,119 |
| Geico | $1,951 | $2,201 | $1,520 | $1,984 | $6,310 | $6,655 | $1,759 | $1,750 |
| Liberty Mutual | $3,005 | $3,254 | $2,467 | $2,770 | $10,861 | $12,066 | $3,162 | $3,364 |
| Nationwide | $1,689 | $1,718 | $1,518 | $1,599 | $4,401 | $5,601 | $1,939 | $2,088 |
| Progressive | $2,227 | $2,015 | $1,817 | $1,889 | $7,369 | $8,201 | $2,669 | $2,630 |
| State Farm | $1,967 | $1,967 | $1,785 | $1,785 | $5,932 | $7,441 | $2,218 | $2,540 |
| USAA | $1,554 | $1,543 | $1,391 | $1,422 | $4,587 | $5,609 | $1,939 | $2,160 |
Cheap Grandview, Missouri Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Grandview, Missouri is a challenge. Take a look at the annual teen auto insurance rates in Grandview, Missouri.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,034 | $9,779 |
| American Family | $6,535 | $8,472 |
| Farmers | $11,200 | $11,598 |
| Geico | $6,310 | $6,655 |
| Liberty Mutual | $10,861 | $12,066 |
| Nationwide | $4,401 | $5,601 |
| Progressive | $7,369 | $8,201 |
| State Farm | $5,932 | $7,441 |
| USAA | $4,587 | $5,609 |
Cheap Grandview, Missouri Auto Insurance for Seniors
What are senior auto insurance rates in Grandview, Missouri? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,829 | $2,919 |
| American Family | $2,077 | $2,077 |
| Farmers | $2,319 | $2,463 |
| Geico | $1,520 | $1,984 |
| Liberty Mutual | $2,467 | $2,770 |
| Nationwide | $1,518 | $1,599 |
| Progressive | $1,817 | $1,889 |
| State Farm | $1,785 | $1,785 |
| USAA | $1,391 | $1,422 |
Cheap Grandview, 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 Grandview, Missouri compared to the annual auto insurance rates with a clean record in Grandview, Missouri.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,913 | $4,437 | $5,585 | $4,460 |
| American Family | $2,669 | $3,878 | $4,811 | $3,068 |
| Farmers | $4,169 | $5,251 | $5,129 | $4,896 |
| Geico | $2,303 | $3,055 | $4,192 | $2,515 |
| Liberty Mutual | $3,704 | $5,351 | $5,497 | $5,922 |
| Nationwide | $1,997 | $2,591 | $3,493 | $2,195 |
| Progressive | $3,115 | $4,184 | $3,458 | $3,652 |
| State Farm | $2,927 | $3,483 | $3,205 | $3,205 |
| USAA | $2,036 | $2,458 | $3,392 | $2,217 |
Cheap Grandview, Missouri Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Grandview, Missouri is not easy. Compare the annual rates for DUI auto insurance in Grandview, Missouri to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,585 |
| American Family | $4,811 |
| Farmers | $5,129 |
| Geico | $4,192 |
| Liberty Mutual | $5,497 |
| Nationwide | $3,493 |
| Progressive | $3,458 |
| State Farm | $3,205 |
| USAA | $3,392 |
Cheap Grandview, Missouri Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Grandview, Missouri annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,355 | $4,080 | $3,361 |
| American Family | $4,711 | $3,316 | $2,792 |
| Farmers | $5,537 | $4,638 | $4,409 |
| Geico | $4,167 | $2,713 | $2,169 |
| Liberty Mutual | $7,330 | $4,494 | $3,532 |
| Nationwide | $3,026 | $2,508 | $2,173 |
| Progressive | $4,203 | $3,447 | $3,157 |
| State Farm | $4,480 | $2,841 | $2,292 |
| USAA | $4,216 | $1,958 | $1,402 |
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Cheap Grandview, Missouri Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Grandview, Missouri can vary. Compare the annual cost of auto insurance by ZIP code in Grandview, Missouri to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 64030 | $3,025 |
Cheap Grandview, Missouri Auto Insurance Rates By Commute
Commute length and annual mileage affect Grandview, Missouri auto insurance. Find the cheapest annual Grandview, Missouri auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,599 | $4,599 |
| American Family | $3,571 | $3,642 |
| Farmers | $4,861 | $4,861 |
| Geico | $2,963 | $3,070 |
| Liberty Mutual | $5,119 | $5,119 |
| Nationwide | $2,569 | $2,569 |
| Progressive | $3,602 | $3,602 |
| State Farm | $3,126 | $3,283 |
| USAA | $2,433 | $2,618 |
Cheap Grandview, Missouri Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Grandview, Missouri? Check out the comparison of annual Grandview, Missouri auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,436 | $4,590 | $4,770 |
| American Family | $3,483 | $3,719 | $3,616 |
| Farmers | $4,536 | $4,812 | $5,236 |
| Geico | $2,798 | $3,044 | $3,207 |
| Liberty Mutual | $4,820 | $5,147 | $5,389 |
| Nationwide | $2,403 | $2,594 | $2,710 |
| Progressive | $3,083 | $3,618 | $4,105 |
| State Farm | $2,974 | $3,217 | $3,422 |
| USAA | $2,420 | $2,517 | $2,640 |
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Best By Category: Cheapest Auto Insurance in Grandview, Missouri
Compare the cheapest auto insurance companies in Grandview, Missouri in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | USAA |
| Clean Record | Nationwide |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
The Cheapest Grandview, Missouri Auto Insurance Companies
What auto insurance companies in Grandview, Missouri are the cheapest? Compare the top Grandview, Missouri auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,599 |
| American Family | $3,606 |
| Farmers | $4,861 |
| Geico | $3,016 |
| Liberty Mutual | $5,119 |
| Nationwide | $2,569 |
| Progressive | $3,602 |
| State Farm | $3,205 |
| USAA | $2,526 |
What affects auto insurance rates in Grandview, Missouri?
There are a lot of reasons why auto insurance rates in Grandview, Missouri are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Grandview, Missouri. Many local factors may affect your Grandview auto insurance rates.
Grandview Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Grandview, Missouri commute length is 22.9 minutes according to City-Data.
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Compare Grandview, Missouri Auto Insurance Quotes
Before you buy Grandview, Missouri auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Grandview, Missouri auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Grandview, MO?
Yes, auto insurance is mandatory in Grandview, MO. All drivers are required to carry liability insurance that meets the state’s minimum coverage requirements.
What are the minimum auto insurance requirements in Grandview, MO?
In Grandview, MO, drivers must carry liability insurance with the following minimum coverage limits:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $10,000 for property damage per accident
What factors affect auto insurance rates in Grandview, MO?
Several factors can influence your auto insurance rates in Grandview, MO, including:
- Your driving record and claims history
- Your age, gender, and marital status
- The type of vehicle you drive
- Your credit score
- The coverage limits and deductibles you choose
- The location where you live and park your vehicle
Can I get discounts on my auto insurance in Grandview, MO?
Yes, many insurance companies offer various discounts that can help reduce your auto insurance premiums. Some common discounts include:
- Multi-policy discount (bundling auto insurance with other policies)
- Good driver discount (for maintaining a clean driving record)
- Good student discount (for students with excellent grades)
- Safety feature discounts (for vehicles equipped with safety features)
- Low mileage discount (for drivers who don’t drive frequently)
What should I do after a car accident in Grandview, MO?
After a car accident in Grandview, MO, it’s important to take the following steps:
- Ensure your safety and the safety of others involved.
- Call the police to report the accident.
- Exchange information with the other party, including names, contact details, and insurance information.
- Take photos of the accident scene, if possible.
- Notify your insurance provider and provide them with all necessary details.
What is the difference between comprehensive and collision coverage?
Comprehensive coverage and collision coverage are both optional types of auto insurance coverage. However, they provide different protections:
- Comprehensive coverage protects against damages caused by events other than collisions, such as theft, vandalism, fire, or natural disasters.
- Collision coverage covers damages to your vehicle resulting from a collision with another vehicle or object.
Can I change my auto insurance policy at any time?
Yes, you can generally make changes to your auto insurance policy at any time. However, it’s important to review the terms and conditions, including any potential fees or penalties for making changes, before making adjustments to your policy.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.