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Finding the cheapest car insurance quotes in Cape Fair 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.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Cape Fair
The car insurance rate in Cape Fair is $1094 for a six-month policy, which is $70 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $469, making it a popular choice for budget-conscious drivers. Rates in Cape Fair 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.
At $469 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 $631 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $648
for six months, making it
the third cheapest auto insurance company in Cape Fair.
Cape Fair Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cape Fair, MO is American Family, offering policies at just $469 for a six-month term. This is followed by USAA, which has an average six-month premium of $631.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2674 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cape Fair drivers find the best deals.
Way's key takeaways about car insurance in Cape Fair
The auto insurance costs in Cape Fair fall around $469 for six
months.
The cheapest auto insurance company in Cape Fair is USAA.
Teen drivers pay the highest rate in Cape Fair at $1460 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Cape Fair
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 Cape Fair are given below.
USAA provides
the cheapest minimum car insurance
coverage in Cape Fair. Their Average 6 Month Premium is $162.
Farmers is the most
expensive at $961 for the same
period.
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 Cape Fair is American Family
at $80 per month and $469
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cape Fair,
MO
Get Your Car Insurance Quote in Cape Fair
Instantly!
Average Car Insurance in Cape Fair 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 Cape Fair, MO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cape Fair, 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, Cape Fair's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cape Fair
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Cape Fair,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 Cape Fair at $39
per
month. At $8761 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Cape Fair.
As young drivers face the highest rates in Cape Fair, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Cape Fair,
Kemper is
the cheapest car insurance provider. At $430 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
Cape Fair is Farmers, offering
rates of around $5439 for six
months.
Save up to $971/yr on car insurance rates in Cape Fair.
Car Insurance Rates with An Accident in Cape Fair
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 Cape Fair, MO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cape Fair
The cheapest car insurance companies after an at-fault accident in
Cape Fair include Missouri Farm Bureau
and Electric, offering $196
and $279,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3814.
Here is a list of driving violations that can increase your car
insurance rates in Cape Fair MO. For example, the car
insurance in Cape Fair
after a DUI increases to $760 for a six
month policy. While the rate increases by $262 for a six-month policy in the case of
a speeding ticket.
Cape Fair auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1502
$250
One Med/PIP claim
$1502
$256
Not-at-fault accident
$1546
$258
One comp claim
$1558
$265
Two Med/PIP claims
$1558
$259
Two comp claims
$1658
$282
Failure to wear a seat belt
$1703
$284
Failure to show documents
$1709
$290
Child safety restraint
$1736
$290
Driving without lights
$1736
$295
Driving with expired registration
$1747
$291
Cell phone violation
$1759
$299
Driving too slowly
$1759
$293
Following too closely
$1759
$299
Speeding in school zone
$1759
$293
Failure to yield
$1764
$300
Speeding 11 - 15 MPH over limit
$1764
$294
Speeding 16 - 20 MPH over limit
$1764
$300
Speeding 6 - 10 MPH over limit
$1764
$294
Texting while driving
$1764
$300
Illegal turn
$1770
$295
Wrong way/wrong lane
$1770
$301
Failure to stop at a red light
$1776
$296
Improper passing
$1776
$302
Speeding 21 - 25 MPH over limit
$1776
$296
In 65 MPH zone
$1787
$304
Passing school bus
$1820
$304
Open container
$1876
$319
Operating a vehicle without permission
$1920
$321
At-fault accident - less than $1000
$2077
$353
At-fault accident - $1000-$2000
$2194
$366
At-fault accident - greater than $2000
$2194
$373
Refusal to submit to a chemical test
$2222
$370
DUI
$2262
$384
Driving with a suspended license
$2311
$385
Racing
$2368
$402
Leaving scene of an accident/hit and run
$2401
$400
Reckless driving
$2429
$413
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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 Cape Fair 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 Cape Fair.
The cheapest car insurance premiums in
Cape Fair are
offered by Missouri Farm Bureau at $234 for a six-month policy.
However, it can be as
expensive as $4891 with companies
like Farmers.
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 Cape Fair are offered by American Family
at $302. However,
it can be as expensive as $3395
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Cape Fair after Speeding ticket
Car insurance rates in Cape Fair have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cape Fair rose by
$210 in January
compared to $122 of December. In other words, there has been an increase by $88 when you
compare January and December.
The average cost of liability insurance in the Cape Fair rose to $53 in January,
compared to $45 in December.
This represents an increase of $8
when comparing January and December.
Average Car Insurance Cost in Cape Fair by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cape Fair. At $2188 for a
six-month policy, insuring
your car at 65624 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cape Fair?
The car insurance in Cape Fair is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Cape Fair?
The cheapest car insurance in Cape Fair
is $80 per month
for full coverage.
How much is car insurance in Cape Fair for teenagers?
Car insurance for teenagers costs $234 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
Cape Fair?
The average cost of car insurance is $1164 for a six-month
policy. It will cost around $184 per month to insure your
car in Cape Fair.
Is car insurance expensive in Cape Fair?
Car insurance can be expensive in Cape Fair if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cape Fair can be
affordable.
What is the best car insurance in Cape Fair,
MO?
The best car insurance company in Cape Fair
MO is
American Family, offering $469 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Cape Fair, MO
Car Insurance Rates by State in the USA (2025 Update)
Cape Fair Car Insurance
