Cheapest Car Insurance Quotes in Bridgeton

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Bridgeton Car Insurance

^$ 32

/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 Bridgeton

The car insurance rate in Bridgeton is $1069 for a six-month policy, which is $88 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $544, making it a popular choice for budget-conscious drivers. Rates in Bridgeton 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 Bridgeton

$1069

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Bridgeton

1st place: American Family

At $544 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 $687 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $764 for six months, making it the third cheapest auto insurance company in Bridgeton.

Bridgeton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bridgeton, MO is American Family, offering policies at just $544 for a six-month term. This is followed by Travelers, which has an average six-month premium of $687.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1632 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bridgeton drivers find the best deals.

Cheap Car Insurance Companies in Bridgeton, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$544	$93
Travelers	$687	$116
USAA	$764	$129
Shelter	$1017	$171
Encompass	$1024	$174
State Farm	$1081	$182
Electric	$1191	$203
Allstate	$1231	$207
Progressive	$1295	$218
Missouri Farm Bureau	$1301	$217
Nationwide	$1632	$278

Key Takeaways

Way's key takeaways about car insurance in Bridgeton

The auto insurance costs in Bridgeton fall around $544 for six months.
The cheapest auto insurance company in Bridgeton is USAA.
Teen drivers pay the highest rate in Bridgeton at $829 per month.

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Cheapest Minimum Liability Car Insurance in Bridgeton

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 Bridgeton are given below.

USAA provides the cheapest minimum car insurance coverage in Bridgeton. Their Average 6 Month Premium is $187. Nationwide is the most expensive at $654 for the same period.

Cheapest Liability Coverage in Bridgeton, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$187	$32
Missouri Farm Bureau	$207	$35
Travelers	$253	$43
Electric	$266	$45
Progressive	$284	$48
American Family	$291	$49
Encompass	$304	$51
Shelter	$363	$61
State Farm	$388	$65
Allstate	$583	$99
Nationwide	$654	$109

Cheapest Full Coverage Car Insurance in Bridgeton

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 Bridgeton is American Family at $93 per month and $544 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bridgeton, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$544	$93
Travelers	$687	$116
USAA	$764	$129
Shelter	$1017	$171
Encompass	$1024	$174
State Farm	$1081	$182
Electric	$1191	$203
Allstate	$1231	$207
Progressive	$1295	$218
Missouri Farm Bureau	$1301	$217
Nationwide	$1632	$278

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Average Car Insurance in Bridgeton 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 Bridgeton, MO increasing?

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

Car Insurance Premiums by Age in Bridgeton

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 Bridgeton,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 Bridgeton at $46 per month. At $4979 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	$271	$46
American Family	$311	$52
Travelers	$744	$125
USAA	$1146	$193
Progressive	$1671	$281
State Farm	$1872	$315
Shelter	$2208	$368
Allstate	$4448	$756
Nationwide	$4979	$829

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 Bridgeton, Progressive is the cheapest car insurance provider. At $395 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 Bridgeton is Allstate, offering rates of around $634 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$395	$68
Travelers	$408	$68
Kemper	$498	$85
American Family	$531	$88
Shelter	$557	$95
Nationwide	$615	$102
Allstate	$634	$108

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Car Insurance Rates with An Accident in Bridgeton

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

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

The cheapest car insurance companies after an at-fault accident in Bridgeton include Missouri Farm Bureau and Electric, offering $227 and $324, respectively. Allstate is an expensive provider with an average six-month premium of $2623.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$227	$38
Electric	$324	$56
American Family	$356	$59
Encompass	$414	$71
Travelers	$492	$83
USAA	$505	$85
Progressive	$705	$119
State Farm	$855	$144
Shelter	$958	$161
Nationwide	$2415	$411
Allstate	$2623	$437

Bridgeton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bridgeton MO. For example, the car insurance in Bridgeton after a DUI increases to $881 for a six month policy. While the rate increases by $304 for a six-month policy in the case of a speeding ticket.

Bridgeton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1742	$290
One Med/PIP claim	$1742	$296
Not-at-fault accident	$1793	$299
One comp claim	$1806	$307
Two Med/PIP claims	$1806	$301
Two comp claims	$1923	$327
Failure to wear a seat belt	$1975	$329
Failure to show documents	$1982	$337
Child safety restraint	$2013	$336
Driving without lights	$2013	$342
Driving with expired registration	$2026	$338
Cell phone violation	$2039	$347
Driving too slowly	$2039	$340
Following too closely	$2039	$347
Speeding in school zone	$2039	$340
Failure to yield	$2046	$348
Speeding 11 - 15 MPH over limit	$2046	$341
Speeding 16 - 20 MPH over limit	$2046	$348
Speeding 6 - 10 MPH over limit	$2046	$341
Texting while driving	$2046	$348
Illegal turn	$2052	$342
Wrong way/wrong lane	$2052	$349
Failure to stop at a red light	$2059	$343
Improper passing	$2059	$350
Speeding 21 - 25 MPH over limit	$2059	$343
In 65 MPH zone	$2072	$352
Passing school bus	$2110	$352
Open container	$2176	$370
Operating a vehicle without permission	$2227	$372
At-fault accident - less than $1000	$2409	$410
At-fault accident - $1000-$2000	$2544	$424
At-fault accident - greater than $2000	$2544	$433
Refusal to submit to a chemical test	$2577	$429
DUI	$2623	$446
Driving with a suspended license	$2680	$447
Racing	$2746	$467
Leaving scene of an accident/hit and run	$2784	$464
Reckless driving	$2817	$479

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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 Bridgeton 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 Bridgeton.

The cheapest car insurance premiums in Bridgeton are offered by Missouri Farm Bureau at $271 for a six-month policy. However, it can be as expensive as $3011 with companies like Nationwide.

Bridgeton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$271	$46
American Family	$350	$58
Kemper	$434	$74
Travelers	$524	$88
Progressive	$647	$109
USAA	$803	$135
State Farm	$907	$153
Shelter	$1055	$178
Allstate	$2279	$388
Nationwide	$3011	$501

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 Bridgeton are offered by Progressive at $311. However, it can be as expensive as $467 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Bridgeton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$311	$52
Travelers	$330	$55
American Family	$350	$60
State Farm	$388	$64
Shelter	$467	$80

Car Insurance Price Trends in Bridgeton, Missouri

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

The average cost of full coverage in the Bridgeton remained steady at $142 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Bridgeton remained steady at $52 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Bridgeton?

The car insurance in Bridgeton is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Bridgeton?

The cheapest car insurance in Bridgeton is $93 per month for full coverage.

How much is car insurance in Bridgeton for teenagers?

Car insurance for teenagers costs $271 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 Bridgeton?

The average cost of car insurance is $981 for a six-month policy. It will cost around $180 per month to insure your car in Bridgeton.

Is car insurance expensive in Bridgeton?

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

Cheapest Car Insurance Quotes in Bridgeton

Why you can trust Way?

How Much Is Car Insurance in Bridgeton

Avg. Car Insurance in Bridgeton

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Bridgeton

1st place: American Family

2nd place: Travelers

3rd place: USAA

Bridgeton Car Insurance Rates by Company

Cheap Car Insurance Companies in Bridgeton, MO

Way's key takeaways about car insurance in Bridgeton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bridgeton

Cheapest Liability Coverage in Bridgeton, MO

Cheapest Full Coverage Car Insurance in Bridgeton

Cheapest Full Coverage Car Insurance Quotes in Bridgeton, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bridgeton by Rating Factor

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

Car Insurance Premiums by Age in Bridgeton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bridgeton,MO

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

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 Bridgeton

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

Bridgeton Car Insurance Rates by Violation

Bridgeton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bridgeton after a DUI

Bridgeton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bridgeton after Speeding ticket

Car Insurance Price Trends in Bridgeton, Missouri

Average Car Insurance Cost in Bridgeton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bridgeton, MO

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

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