Cheapest Car Insurance Quotes in Birch Tree

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Birch Tree Car Insurance

^$ 31

/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 Birch Tree

The car insurance rate in Birch Tree is $1245 for a six-month policy, which is $81 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $534, making it a popular choice for budget-conscious drivers. Rates in Birch Tree 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 Birch Tree

$1245

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Birch Tree

1st place: American Family

At $534 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $718 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $737 for six months, making it the third cheapest auto insurance company in Birch Tree.

Birch Tree Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Birch Tree, MO is American Family, offering policies at just $534 for a six-month term. This is followed by USAA, which has an average six-month premium of $718.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3044 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Birch Tree drivers find the best deals.

Cheap Car Insurance Companies in Birch Tree, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$534	$91
USAA	$718	$121
Travelers	$737	$124
Encompass	$1005	$167
Shelter	$1036	$174
State Farm	$1131	$190
Electric	$1170	$199
Farm Bureau	$1202	$200
Missouri Farm Bureau	$1278	$217
Progressive	$1323	$223
Allstate	$1418	$239
Nationwide	$1602	$266
Farmers	$3044	$518

Key Takeaways

Way's key takeaways about car insurance in Birch Tree

The auto insurance costs in Birch Tree fall around $534 for six months.
The cheapest auto insurance company in Birch Tree is USAA.
Teen drivers pay the highest rate in Birch Tree at $1662 per month.

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Cheapest Minimum Liability Car Insurance in Birch Tree

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 Birch Tree are given below.

USAA provides the cheapest minimum car insurance coverage in Birch Tree. Their Average 6 Month Premium is $184. Farmers is the most expensive at $1094 for the same period.

Cheapest Liability Coverage in Birch Tree, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$184	$31
Missouri Farm Bureau	$203	$34
Electric	$261	$44
Travelers	$266	$45
Farm Bureau	$273	$46
American Family	$286	$48
Encompass	$299	$50
Progressive	$305	$51
Shelter	$375	$63
State Farm	$400	$67
Nationwide	$642	$107
Allstate	$668	$112
Farmers	$1094	$182

Cheapest Full Coverage Car Insurance in Birch Tree

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 Birch Tree is American Family at $91 per month and $534 for six months.

Cheapest Full Coverage Car Insurance Quotes in Birch Tree, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$534	$91
USAA	$718	$121
Travelers	$737	$124
Encompass	$1005	$167
Shelter	$1036	$174
State Farm	$1131	$190
Electric	$1170	$199
Farm Bureau	$1202	$200
Missouri Farm Bureau	$1278	$217
Progressive	$1323	$223
Allstate	$1418	$239
Nationwide	$1602	$266
Farmers	$3044	$518

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Average Car Insurance in Birch Tree 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 Birch Tree, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Birch Tree, 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, Birch Tree's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Birch Tree

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 Birch Tree,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 Birch Tree at $45 per month. At $9972 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$266	$45
American Family	$305	$51
Travelers	$1157	$195
USAA	$1170	$197
Progressive	$2231	$376
State Farm	$2301	$387
Shelter	$2568	$432
Farm Bureau	$3121	$531
Allstate	$4055	$683
Nationwide	$4888	$831
Farmers	$9972	$1662

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 Birch Tree, Kemper is the cheapest car insurance provider. At $489 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 Birch Tree is Farmers, offering rates of around $6191 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$489	$83
American Family	$521	$87
Nationwide	$603	$103
Travelers	$973	$164
USAA	$1125	$192
Progressive	$1418	$239
Shelter	$1627	$274
Farm Bureau	$2021	$337
Allstate	$2371	$399
State Farm	$4291	$715
Farmers	$6191	$1053

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Car Insurance Rates with An Accident in Birch Tree

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 Birch Tree, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Birch Tree

The cheapest car insurance companies after an at-fault accident in Birch Tree include Missouri Farm Bureau and Electric, offering $223 and $318, respectively. Farmers is an expensive provider with an average six-month premium of $4341.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$223	$37
Electric	$318	$55
American Family	$350	$58
Encompass	$407	$70
USAA	$579	$97
Travelers	$655	$110
Progressive	$960	$162
State Farm	$998	$168
Shelter	$1118	$188
Farm Bureau	$1550	$263
Nationwide	$2371	$395
Allstate	$2879	$485
Farmers	$4341	$723

Birch Tree Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Birch Tree MO. For example, the car insurance in Birch Tree after a DUI increases to $864 for a six month policy. While the rate increases by $298 for a six-month policy in the case of a speeding ticket.

Birch Tree auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1710	$285
One Med/PIP claim	$1710	$291
Not-at-fault accident	$1760	$293
One comp claim	$1773	$302
Two Med/PIP claims	$1773	$295
Two comp claims	$1887	$321
Failure to wear a seat belt	$1939	$323
Failure to show documents	$1945	$331
Child safety restraint	$1976	$330
Driving without lights	$1976	$336
Driving with expired registration	$1989	$332
Cell phone violation	$2002	$340
Driving too slowly	$2002	$334
Following too closely	$2002	$340
Speeding in school zone	$2002	$334
Failure to yield	$2008	$341
Speeding 11 - 15 MPH over limit	$2008	$335
Speeding 16 - 20 MPH over limit	$2008	$341
Speeding 6 - 10 MPH over limit	$2008	$335
Texting while driving	$2008	$341
Illegal turn	$2015	$336
Wrong way/wrong lane	$2015	$342
Failure to stop at a red light	$2021	$337
Improper passing	$2021	$343
Speeding 21 - 25 MPH over limit	$2021	$337
In 65 MPH zone	$2034	$346
Passing school bus	$2072	$346
Open container	$2136	$363
Operating a vehicle without permission	$2186	$365
At-fault accident - less than $1000	$2365	$402
At-fault accident - $1000-$2000	$2497	$416
At-fault accident - greater than $2000	$2497	$425
Refusal to submit to a chemical test	$2529	$422
DUI	$2574	$438
Driving with a suspended license	$2631	$439
Racing	$2695	$458
Leaving scene of an accident/hit and run	$2733	$456
Reckless driving	$2765	$470

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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 Birch Tree 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 Birch Tree.

The cheapest car insurance premiums in Birch Tree are offered by Missouri Farm Bureau at $266 for a six-month policy. However, it can be as expensive as $5567 with companies like Farmers.

Birch Tree car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$266	$45
American Family	$343	$57
Kemper	$426	$73
Travelers	$687	$116
USAA	$877	$148
Progressive	$921	$155
Shelter	$1245	$210
State Farm	$1354	$228
Farm Bureau	$1462	$248
Allstate	$2358	$397
Nationwide	$2955	$503
Farmers	$5567	$928

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 Birch Tree are offered by American Family at $343. However, it can be as expensive as $3865 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Birch Tree after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$343	$59
Travelers	$712	$120
USAA	$737	$125
Shelter	$820	$138
State Farm	$877	$148
Progressive	$1068	$180
Farm Bureau	$1239	$211
Allstate	$2142	$357
Farmers	$3865	$657

Car Insurance Price Trends in Birch Tree, Missouri

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

The average cost of full coverage in the Birch Tree rose by $239 in January compared to $139 of December. In other words, there has been an increase by $100 when you compare January and December.

The average cost of liability insurance in the Birch Tree rose to $60 in January, compared to $51 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Birch Tree?

The car insurance in Birch Tree is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Birch Tree?

The cheapest car insurance in Birch Tree is $91 per month for full coverage.

How much is car insurance in Birch Tree for teenagers?

Car insurance for teenagers costs $266 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 Birch Tree?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $210 per month to insure your car in Birch Tree.

Is car insurance expensive in Birch Tree?

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

Cheapest Car Insurance Quotes in Birch Tree

Why you can trust Way?

How Much Is Car Insurance in Birch Tree

Avg. Car Insurance in Birch Tree

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Birch Tree

1st place: American Family

2nd place: USAA

3rd place: Travelers

Birch Tree Car Insurance Rates by Company

Cheap Car Insurance Companies in Birch Tree, MO

Way's key takeaways about car insurance in Birch Tree

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Birch Tree

Cheapest Liability Coverage in Birch Tree, MO

Cheapest Full Coverage Car Insurance in Birch Tree

Cheapest Full Coverage Car Insurance Quotes in Birch Tree, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Birch Tree by Rating Factor

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

Car Insurance Premiums by Age in Birch Tree

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Birch Tree,MO

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

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 Birch Tree

Cheapest Car Insurance Companies after an At-Fault Accident in Birch Tree

Birch Tree Car Insurance Rates by Violation

Birch Tree auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Birch Tree after a DUI

Birch Tree car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Birch Tree after Speeding ticket

Car Insurance Price Trends in Birch Tree, Missouri

Average Car Insurance Cost in Birch Tree by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Birch Tree, MO

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

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