Cheapest Car Insurance Quotes in Cape Girardeau

Cheapest Minimum Liability Car Insurance in Cape Girardeau

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 Girardeau are given below. 

USAA provides the cheapest minimum car insurance coverage in Cape Girardeau. Their Average 6 Month Premium is $157. Nationwide is the most expensive at $546 for the same period. 

Cheapest Liability Coverage in Cape Girardeau, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$157	$26
Missouri Farm Bureau	$173	$29
Travelers	$211	$35
Electric	$222	$37
Progressive	$238	$40
American Family	$243	$41
Encompass	$254	$43
Shelter	$303	$51
State Farm	$324	$55
Allstate	$487	$83
Nationwide	$546	$91

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Cheapest Full Coverage Car Insurance in Cape Girardeau

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 Girardeau is American Family at $77 per month and $454 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Cape Girardeau, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$454	$77
Travelers	$573	$96
USAA	$638	$107
Shelter	$849	$143
Encompass	$854	$146
State Farm	$903	$152
Electric	$995	$169
Allstate	$1027	$173
Progressive	$1081	$182
Missouri Farm Bureau	$1087	$181
Nationwide	$1362	$232

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Car Insurance Premiums by Age in Cape Girardeau

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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Age Group	Cheapest Companies	Avg. 6 Mo. Premium

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Cape Girardeau Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cape Girardeau MO. For example, the car insurance in Cape Girardeau after a DUI increases to $735 for a six month policy. While the rate increases by $254 for a six-month policy in the case of a speeding ticket.  

Cape Girardeau auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1454	$242
One Med/PIP claim	$1454	$248
Not-at-fault accident	$1497	$249
One comp claim	$1508	$257
Two Med/PIP claims	$1508	$251
Two comp claims	$1605	$273
Failure to wear a seat belt	$1649	$275
Failure to show documents	$1654	$281
Child safety restraint	$1681	$280
Driving without lights	$1681	$286
Driving with expired registration	$1692	$282
Cell phone violation	$1703	$289
Driving too slowly	$1703	$284
Following too closely	$1703	$289
Speeding in school zone	$1703	$284
Failure to yield	$1708	$290
Speeding 11 - 15 MPH over limit	$1708	$285
Speeding 16 - 20 MPH over limit	$1708	$290
Speeding 6 - 10 MPH over limit	$1708	$285
Texting while driving	$1708	$290
Illegal turn	$1714	$286
Wrong way/wrong lane	$1714	$291
Failure to stop at a red light	$1719	$287
Improper passing	$1719	$292
Speeding 21 - 25 MPH over limit	$1719	$287
In 65 MPH zone	$1730	$294
Passing school bus	$1762	$294
Open container	$1816	$308
Operating a vehicle without permission	$1859	$310
At-fault accident - less than $1000	$2011	$342
At-fault accident - $1000-$2000	$2124	$354
At-fault accident - greater than $2000	$2124	$361
Refusal to submit to a chemical test	$2151	$359
DUI	$2189	$372
Driving with a suspended license	$2238	$373
Racing	$2292	$389
Leaving scene of an accident/hit and run	$2324	$388
Reckless driving	$2351	$399

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