Cheapest Car Insurance Quotes in Byrnes Mill

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Byrnes Mill 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 Byrnes Mill

The car insurance rate in Byrnes Mill is $1257 for a six-month policy, which is $93 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $539, making it a popular choice for budget-conscious drivers. Rates in Byrnes Mill 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 Byrnes Mill

$1257

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Byrnes Mill

1st place: American Family

At $539 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 $725 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $744 for six months, making it the third cheapest auto insurance company in Byrnes Mill.

Byrnes Mill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Byrnes Mill, MO is American Family, offering policies at just $539 for a six-month term. This is followed by USAA, which has an average six-month premium of $725.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3073 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Byrnes Mill drivers find the best deals.

Cheap Car Insurance Companies in Byrnes Mill, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$539	$92
USAA	$725	$122
Travelers	$744	$125
Encompass	$1014	$168
Shelter	$1045	$176
State Farm	$1142	$192
Electric	$1180	$201
Farm Bureau	$1213	$202
Missouri Farm Bureau	$1290	$219
Progressive	$1335	$225
Allstate	$1431	$241
Nationwide	$1617	$269
Farmers	$3073	$523

Key Takeaways

Way's key takeaways about car insurance in Byrnes Mill

The auto insurance costs in Byrnes Mill fall around $539 for six months.
The cheapest auto insurance company in Byrnes Mill is USAA.
Teen drivers pay the highest rate in Byrnes Mill at $1677 per month.

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Cheapest Minimum Liability Car Insurance in Byrnes Mill

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 Byrnes Mill are given below.

USAA provides the cheapest minimum car insurance coverage in Byrnes Mill. Their Average 6 Month Premium is $186. Farmers is the most expensive at $1104 for the same period.

Cheapest Liability Coverage in Byrnes Mill, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$186	$31
Missouri Farm Bureau	$205	$35
Electric	$264	$44
Travelers	$269	$45
Farm Bureau	$275	$46
American Family	$288	$49
Encompass	$301	$51
Progressive	$308	$52
Shelter	$378	$64
State Farm	$404	$68
Nationwide	$648	$108
Allstate	$674	$113
Farmers	$1104	$184

Cheapest Full Coverage Car Insurance in Byrnes Mill

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 Byrnes Mill is American Family at $92 per month and $539 for six months.

Cheapest Full Coverage Car Insurance Quotes in Byrnes Mill, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$539	$92
USAA	$725	$122
Travelers	$744	$125
Encompass	$1014	$168
Shelter	$1045	$176
State Farm	$1142	$192
Electric	$1180	$201
Farm Bureau	$1213	$202
Missouri Farm Bureau	$1290	$219
Progressive	$1335	$225
Allstate	$1431	$241
Nationwide	$1617	$269
Farmers	$3073	$523

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Average Car Insurance in Byrnes Mill 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 Byrnes Mill, MO increasing?

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

Car Insurance Premiums by Age in Byrnes Mill

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 Byrnes Mill,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 Byrnes Mill at $45 per month. At $10066 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	$269	$45
American Family	$308	$52
Travelers	$1167	$197
USAA	$1180	$199
Progressive	$2252	$379
State Farm	$2322	$391
Shelter	$2592	$436
Farm Bureau	$3150	$536
Allstate	$4093	$689
Nationwide	$4933	$839
Farmers	$10066	$1677

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 Byrnes Mill, Kemper is the cheapest car insurance provider. At $494 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 Byrnes Mill is Farmers, offering rates of around $6249 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$494	$84
American Family	$526	$87
Nationwide	$609	$104
Travelers	$982	$165
USAA	$1135	$193
Progressive	$1431	$241
Shelter	$1643	$276
Farm Bureau	$2040	$340
Allstate	$2393	$403
State Farm	$4331	$721
Farmers	$6249	$1063

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Car Insurance Rates with An Accident in Byrnes Mill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Byrnes Mill

The cheapest car insurance companies after an at-fault accident in Byrnes Mill include Missouri Farm Bureau and Electric, offering $225 and $321, respectively. Farmers is an expensive provider with an average six-month premium of $4382.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$225	$38
Electric	$321	$55
American Family	$353	$58
Encompass	$410	$70
USAA	$584	$98
Travelers	$661	$111
Progressive	$969	$163
State Farm	$1008	$170
Shelter	$1129	$190
Farm Bureau	$1565	$266
Nationwide	$2393	$399
Allstate	$2906	$489
Farmers	$4382	$730

Byrnes Mill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Byrnes Mill MO. For example, the car insurance in Byrnes Mill after a DUI increases to $872 for a six month policy. While the rate increases by $301 for a six-month policy in the case of a speeding ticket.

Byrnes Mill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1726	$287
One Med/PIP claim	$1726	$294
Not-at-fault accident	$1777	$296
One comp claim	$1790	$305
Two Med/PIP claims	$1790	$298
Two comp claims	$1905	$324
Failure to wear a seat belt	$1957	$326
Failure to show documents	$1963	$334
Child safety restraint	$1995	$333
Driving without lights	$1995	$339
Driving with expired registration	$2008	$335
Cell phone violation	$2021	$343
Driving too slowly	$2021	$337
Following too closely	$2021	$343
Speeding in school zone	$2021	$337
Failure to yield	$2027	$345
Speeding 11 - 15 MPH over limit	$2027	$338
Speeding 16 - 20 MPH over limit	$2027	$345
Speeding 6 - 10 MPH over limit	$2027	$338
Texting while driving	$2027	$345
Illegal turn	$2034	$339
Wrong way/wrong lane	$2034	$346
Failure to stop at a red light	$2040	$340
Improper passing	$2040	$347
Speeding 21 - 25 MPH over limit	$2040	$340
In 65 MPH zone	$2053	$349
Passing school bus	$2091	$349
Open container	$2156	$366
Operating a vehicle without permission	$2206	$368
At-fault accident - less than $1000	$2387	$406
At-fault accident - $1000-$2000	$2521	$420
At-fault accident - greater than $2000	$2521	$429
Refusal to submit to a chemical test	$2553	$426
DUI	$2598	$442
Driving with a suspended license	$2656	$443
Racing	$2721	$462
Leaving scene of an accident/hit and run	$2758	$460
Reckless driving	$2791	$474

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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 Byrnes Mill 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 Byrnes Mill.

The cheapest car insurance premiums in Byrnes Mill are offered by Missouri Farm Bureau at $269 for a six-month policy. However, it can be as expensive as $5619 with companies like Farmers.

Byrnes Mill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$269	$45
American Family	$347	$57
Kemper	$430	$73
Travelers	$693	$117
USAA	$886	$149
Progressive	$930	$157
Shelter	$1257	$212
State Farm	$1366	$230
Farm Bureau	$1475	$251
Allstate	$2380	$401
Nationwide	$2983	$508
Farmers	$5619	$936

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 Byrnes Mill are offered by American Family at $347. However, it can be as expensive as $3901 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Byrnes Mill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$347	$59
Travelers	$718	$121
USAA	$744	$126
Shelter	$827	$139
State Farm	$886	$149
Progressive	$1078	$181
Farm Bureau	$1251	$213
Allstate	$2162	$361
Farmers	$3901	$663

Car Insurance Price Trends in Byrnes Mill, Missouri

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

The average cost of full coverage in the Byrnes Mill rose by $241 in January compared to $140 of December. In other words, there has been an increase by $101 when you compare January and December.

The average cost of liability insurance in the Byrnes Mill rose to $60 in January, compared to $52 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Byrnes Mill?

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

What is the cheapest car insurance in Byrnes Mill?

The cheapest car insurance in Byrnes Mill is $92 per month for full coverage.

How much is car insurance in Byrnes Mill for teenagers?

Car insurance for teenagers costs $269 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 Byrnes Mill?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $212 per month to insure your car in Byrnes Mill.

Is car insurance expensive in Byrnes Mill?

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

Cheapest Car Insurance Quotes in Byrnes Mill

Why you can trust Way?

How Much Is Car Insurance in Byrnes Mill

Avg. Car Insurance in Byrnes Mill

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Byrnes Mill

1st place: American Family

2nd place: USAA

3rd place: Travelers

Byrnes Mill Car Insurance Rates by Company

Cheap Car Insurance Companies in Byrnes Mill, MO

Way's key takeaways about car insurance in Byrnes Mill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Byrnes Mill

Cheapest Liability Coverage in Byrnes Mill, MO

Cheapest Full Coverage Car Insurance in Byrnes Mill

Cheapest Full Coverage Car Insurance Quotes in Byrnes Mill, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Byrnes Mill by Rating Factor

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

Car Insurance Premiums by Age in Byrnes Mill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Byrnes Mill,MO

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

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 Byrnes Mill

Cheapest Car Insurance Companies after an At-Fault Accident in Byrnes Mill

Byrnes Mill Car Insurance Rates by Violation

Byrnes Mill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Byrnes Mill after a DUI

Byrnes Mill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Byrnes Mill after Speeding ticket

Car Insurance Price Trends in Byrnes Mill, Missouri

Average Car Insurance Cost in Byrnes Mill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Byrnes Mill, MO

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

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