Cheapest Car Insurance Quotes in Bernie

Finding the cheapest car insurance quotes in Bernie shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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401,895 Policies Sold

Bernie Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bernie

The car insurance rate in Bernie is $883 for a six-month policy, which is $98 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $449, making it a popular choice for budget-conscious drivers. Rates in Bernie can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bernie

$883

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Bernie

1st place: American Family

At $449 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $567 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $631 for six months, making it the third cheapest auto insurance company in Bernie.

Bernie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bernie, MO is American Family, offering policies at just $449 for a six-month term. This is followed by Travelers, which has an average six-month premium of $567.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1347 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bernie drivers find the best deals.

Cheap Car Insurance Companies in Bernie, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$449	$77
Travelers	$567	$95
USAA	$631	$106
Shelter	$840	$141
Encompass	$845	$144
State Farm	$893	$150
Electric	$984	$167
Allstate	$1016	$171
Progressive	$1069	$180
Missouri Farm Bureau	$1075	$179
Nationwide	$1347	$230

Key Takeaways

Way's key takeaways about car insurance in Bernie

The auto insurance costs in Bernie fall around $449 for six months.
The cheapest auto insurance company in Bernie is USAA.
Teen drivers pay the highest rate in Bernie at $685 per month.

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Cheapest Minimum Liability Car Insurance in Bernie

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bernie are given below.

USAA provides the cheapest minimum car insurance coverage in Bernie. Their Average 6 Month Premium is $155. Nationwide is the most expensive at $540 for the same period.

Cheapest Liability Coverage in Bernie, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$155	$26
Missouri Farm Bureau	$171	$29
Travelers	$209	$35
Electric	$220	$37
Progressive	$235	$40
American Family	$240	$41
Encompass	$251	$42
Shelter	$300	$50
State Farm	$320	$54
Allstate	$482	$82
Nationwide	$540	$90

Cheapest Full Coverage Car Insurance in Bernie

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bernie is American Family at $77 per month and $449 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bernie, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$449	$77
Travelers	$567	$95
USAA	$631	$106
Shelter	$840	$141
Encompass	$845	$144
State Farm	$893	$150
Electric	$984	$167
Allstate	$1016	$171
Progressive	$1069	$180
Missouri Farm Bureau	$1075	$179
Nationwide	$1347	$230

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Average Car Insurance in Bernie by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bernie, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Bernie, Missouri, may be increasing due to several external factors. Missouri has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bernie's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bernie

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Bernie,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Bernie at $38 per month. At $4111 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$224	$38
American Family	$257	$43
Travelers	$615	$104
USAA	$946	$159
Progressive	$1380	$232
State Farm	$1545	$260
Shelter	$1823	$304
Allstate	$3673	$625
Nationwide	$4111	$685

Teen Car Insurance Rates in MO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bernie, Progressive is the cheapest car insurance provider. At $326 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bernie is Allstate, offering rates of around $524 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$326	$56
Travelers	$337	$56
Kemper	$411	$70
American Family	$438	$73
Shelter	$460	$78
Nationwide	$508	$85
Allstate	$524	$89

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Car Insurance Rates with An Accident in Bernie

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bernie, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bernie

The cheapest car insurance companies after an at-fault accident in Bernie include Missouri Farm Bureau and Electric, offering $187 and $267, respectively. Allstate is an expensive provider with an average six-month premium of $2165.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$187	$32
Electric	$267	$46
American Family	$294	$49
Encompass	$342	$59
Travelers	$406	$68
USAA	$417	$70
Progressive	$582	$98
State Farm	$706	$119
Shelter	$791	$133
Nationwide	$1994	$339
Allstate	$2165	$361

Bernie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bernie MO. For example, the car insurance in Bernie after a DUI increases to $727 for a six month policy. While the rate increases by $251 for a six-month policy in the case of a speeding ticket.

Bernie auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1438	$239
One Med/PIP claim	$1438	$245
Not-at-fault accident	$1481	$247
One comp claim	$1491	$254
Two Med/PIP claims	$1491	$248
Two comp claims	$1588	$270
Failure to wear a seat belt	$1631	$272
Failure to show documents	$1636	$278
Child safety restraint	$1662	$277
Driving without lights	$1662	$283
Driving with expired registration	$1673	$279
Cell phone violation	$1684	$286
Driving too slowly	$1684	$281
Following too closely	$1684	$286
Speeding in school zone	$1684	$281
Failure to yield	$1689	$287
Speeding 11 - 15 MPH over limit	$1689	$282
Speeding 16 - 20 MPH over limit	$1689	$287
Speeding 6 - 10 MPH over limit	$1689	$282
Texting while driving	$1689	$287
Illegal turn	$1695	$283
Wrong way/wrong lane	$1695	$288
Failure to stop at a red light	$1700	$284
Improper passing	$1700	$289
Speeding 21 - 25 MPH over limit	$1700	$284
In 65 MPH zone	$1711	$291
Passing school bus	$1742	$291
Open container	$1796	$305
Operating a vehicle without permission	$1839	$307
At-fault accident - less than $1000	$1989	$338
At-fault accident - $1000-$2000	$2101	$350
At-fault accident - greater than $2000	$2101	$357
Refusal to submit to a chemical test	$2128	$355
DUI	$2165	$368
Driving with a suspended license	$2213	$369
Racing	$2267	$385
Leaving scene of an accident/hit and run	$2299	$383
Reckless driving	$2326	$395

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bernie after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bernie.

The cheapest car insurance premiums in Bernie are offered by Missouri Farm Bureau at $224 for a six-month policy. However, it can be as expensive as $2486 with companies like Nationwide.

Bernie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$224	$38
American Family	$289	$48
Kemper	$358	$61
Travelers	$433	$73
Progressive	$535	$90
USAA	$663	$112
State Farm	$749	$126
Shelter	$871	$147
Allstate	$1882	$320
Nationwide	$2486	$414

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bernie are offered by Progressive at $257. However, it can be as expensive as $385 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Bernie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$257	$43
Travelers	$273	$45
American Family	$289	$50
State Farm	$320	$53
Shelter	$385	$66

Car Insurance Price Trends in Bernie, Missouri

Car insurance rates in Bernie have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bernie remained steady at $117 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Bernie remained steady at $43 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Bernie?

The car insurance in Bernie is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Bernie?

The cheapest car insurance in Bernie is $77 per month for full coverage.

How much is car insurance in Bernie for teenagers?

Car insurance for teenagers costs $224 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bernie?

The average cost of car insurance is $981 for a six-month policy. It will cost around $149 per month to insure your car in Bernie.

Is car insurance expensive in Bernie?

Car insurance can be expensive in Bernie if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bernie can be affordable.

Cheapest Car Insurance Quotes in Bernie

Why you can trust Way?

How Much Is Car Insurance in Bernie

Avg. Car Insurance in Bernie

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Bernie

1st place: American Family

2nd place: Travelers

3rd place: USAA

Bernie Car Insurance Rates by Company

Cheap Car Insurance Companies in Bernie, MO

Way's key takeaways about car insurance in Bernie

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bernie

Cheapest Liability Coverage in Bernie, MO

Cheapest Full Coverage Car Insurance in Bernie

Cheapest Full Coverage Car Insurance Quotes in Bernie, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bernie by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bernie, MO increasing?

Car Insurance Premiums by Age in Bernie

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bernie,MO

If you are in your twenties N/A is the best choice for car insurance in Bernie.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Bernie

Cheapest Car Insurance Companies after an At-Fault Accident in Bernie

Bernie Car Insurance Rates by Violation

Bernie auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bernie after a DUI

Bernie car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bernie after Speeding ticket

Car Insurance Price Trends in Bernie, Missouri

Average Car Insurance Cost in Bernie by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bernie, MO

Car Insurance Rates by State in the USA (2025 Update)

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