Cheapest Car Insurance Quotes in Carl Junction

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Carl Junction Car Insurance

^$ 28

/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 Carl Junction

The car insurance rate in Carl Junction is $1106 for a six-month policy, which is $58 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $474, making it a popular choice for budget-conscious drivers. Rates in Carl Junction 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 Carl Junction

$1106

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Carl Junction

1st place: American Family

At $474 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 $637 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $655 for six months, making it the third cheapest auto insurance company in Carl Junction.

Carl Junction Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carl Junction, MO is American Family, offering policies at just $474 for a six-month term. This is followed by USAA, which has an average six-month premium of $637.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2703 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carl Junction drivers find the best deals.

Cheap Car Insurance Companies in Carl Junction, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$474	$81
USAA	$637	$107
Travelers	$655	$110
Encompass	$892	$148
Shelter	$920	$155
State Farm	$1004	$169
Electric	$1038	$177
Farm Bureau	$1067	$178
Missouri Farm Bureau	$1134	$193
Progressive	$1174	$198
Allstate	$1259	$212
Nationwide	$1422	$237
Farmers	$2703	$460

Key Takeaways

Way's key takeaways about car insurance in Carl Junction

The auto insurance costs in Carl Junction fall around $474 for six months.
The cheapest auto insurance company in Carl Junction is USAA.
Teen drivers pay the highest rate in Carl Junction at $1475 per month.

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Cheapest Minimum Liability Car Insurance in Carl Junction

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 Carl Junction are given below.

USAA provides the cheapest minimum car insurance coverage in Carl Junction. Their Average 6 Month Premium is $163. Farmers is the most expensive at $971 for the same period.

Cheapest Liability Coverage in Carl Junction, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$163	$28
Missouri Farm Bureau	$181	$30
Electric	$232	$39
Travelers	$237	$40
Farm Bureau	$242	$41
American Family	$254	$43
Encompass	$265	$45
Progressive	$271	$46
Shelter	$333	$56
State Farm	$355	$60
Nationwide	$570	$95
Allstate	$593	$100
Farmers	$971	$162

Cheapest Full Coverage Car Insurance in Carl Junction

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 Carl Junction is American Family at $81 per month and $474 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carl Junction, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$474	$81
USAA	$637	$107
Travelers	$655	$110
Encompass	$892	$148
Shelter	$920	$155
State Farm	$1004	$169
Electric	$1038	$177
Farm Bureau	$1067	$178
Missouri Farm Bureau	$1134	$193
Progressive	$1174	$198
Allstate	$1259	$212
Nationwide	$1422	$237
Farmers	$2703	$460

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Average Car Insurance in Carl Junction 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 Carl Junction, MO increasing?

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

Car Insurance Premiums by Age in Carl Junction

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 Carl Junction,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 Carl Junction at $40 per month. At $8854 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	$237	$40
American Family	$271	$46
Travelers	$1027	$173
USAA	$1038	$175
Progressive	$1981	$333
State Farm	$2043	$344
Shelter	$2280	$384
Farm Bureau	$2771	$471
Allstate	$3601	$606
Nationwide	$4340	$738
Farmers	$8854	$1475

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 Carl Junction, Kemper is the cheapest car insurance provider. At $434 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 Carl Junction is Farmers, offering rates of around $5497 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$434	$74
American Family	$463	$77
Nationwide	$536	$91
Travelers	$864	$145
USAA	$998	$170
Progressive	$1259	$212
Shelter	$1445	$243
Farm Bureau	$1795	$299
Allstate	$2105	$354
State Farm	$3810	$635
Farmers	$5497	$935

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Car Insurance Rates with An Accident in Carl Junction

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

Cheapest Car Insurance Companies after an At-Fault Accident in Carl Junction

The cheapest car insurance companies after an at-fault accident in Carl Junction include Missouri Farm Bureau and Electric, offering $198 and $282, respectively. Farmers is an expensive provider with an average six-month premium of $3854.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$198	$33
Electric	$282	$48
American Family	$311	$51
Encompass	$361	$62
USAA	$514	$86
Travelers	$581	$98
Progressive	$852	$143
State Farm	$886	$149
Shelter	$993	$167
Farm Bureau	$1377	$234
Nationwide	$2105	$351
Allstate	$2556	$430
Farmers	$3854	$642

Carl Junction Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carl Junction MO. For example, the car insurance in Carl Junction after a DUI increases to $768 for a six month policy. While the rate increases by $265 for a six-month policy in the case of a speeding ticket.

Carl Junction auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1518	$253
One Med/PIP claim	$1518	$258
Not-at-fault accident	$1563	$260
One comp claim	$1574	$268
Two Med/PIP claims	$1574	$262
Two comp claims	$1676	$285
Failure to wear a seat belt	$1721	$287
Failure to show documents	$1727	$294
Child safety restraint	$1755	$293
Driving without lights	$1755	$298
Driving with expired registration	$1766	$295
Cell phone violation	$1777	$302
Driving too slowly	$1777	$296
Following too closely	$1777	$302
Speeding in school zone	$1777	$296
Failure to yield	$1783	$303
Speeding 11 - 15 MPH over limit	$1783	$297
Speeding 16 - 20 MPH over limit	$1783	$303
Speeding 6 - 10 MPH over limit	$1783	$297
Texting while driving	$1783	$303
Illegal turn	$1789	$298
Wrong way/wrong lane	$1789	$304
Failure to stop at a red light	$1795	$299
Improper passing	$1795	$305
Speeding 21 - 25 MPH over limit	$1795	$299
In 65 MPH zone	$1806	$307
Passing school bus	$1839	$307
Open container	$1896	$322
Operating a vehicle without permission	$1941	$324
At-fault accident - less than $1000	$2100	$357
At-fault accident - $1000-$2000	$2217	$370
At-fault accident - greater than $2000	$2217	$377
Refusal to submit to a chemical test	$2246	$374
DUI	$2286	$389
Driving with a suspended license	$2336	$390
Racing	$2393	$407
Leaving scene of an accident/hit and run	$2426	$405
Reckless driving	$2455	$417

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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 Carl Junction 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 Carl Junction.

The cheapest car insurance premiums in Carl Junction are offered by Missouri Farm Bureau at $237 for a six-month policy. However, it can be as expensive as $4943 with companies like Farmers.

Carl Junction car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$237	$40
American Family	$305	$50
Kemper	$378	$65
Travelers	$610	$103
USAA	$779	$131
Progressive	$818	$138
Shelter	$1106	$186
State Farm	$1202	$202
Farm Bureau	$1298	$220
Allstate	$2094	$352
Nationwide	$2624	$447
Farmers	$4943	$824

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 Carl Junction are offered by American Family at $305. However, it can be as expensive as $3431 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Carl Junction after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$305	$52
Travelers	$632	$106
USAA	$655	$111
Shelter	$728	$123
State Farm	$779	$131
Progressive	$948	$160
Farm Bureau	$1100	$187
Allstate	$1902	$317
Farmers	$3431	$583

Car Insurance Price Trends in Carl Junction, Missouri

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

The average cost of full coverage in the Carl Junction rose by $212 in January compared to $124 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 Carl Junction rose to $53 in January, compared to $46 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Carl Junction?

The car insurance in Carl Junction is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Carl Junction?

The cheapest car insurance in Carl Junction is $81 per month for full coverage.

How much is car insurance in Carl Junction for teenagers?

Car insurance for teenagers costs $237 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 Carl Junction?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $186 per month to insure your car in Carl Junction.

Is car insurance expensive in Carl Junction?

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

Cheapest Car Insurance Quotes in Carl Junction

Why you can trust Way?

How Much Is Car Insurance in Carl Junction

Avg. Car Insurance in Carl Junction

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Carl Junction

1st place: American Family

2nd place: USAA

3rd place: Travelers

Carl Junction Car Insurance Rates by Company

Cheap Car Insurance Companies in Carl Junction, MO

Way's key takeaways about car insurance in Carl Junction

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Carl Junction

Cheapest Liability Coverage in Carl Junction, MO

Cheapest Full Coverage Car Insurance in Carl Junction

Cheapest Full Coverage Car Insurance Quotes in Carl Junction, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Carl Junction by Rating Factor

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

Car Insurance Premiums by Age in Carl Junction

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Carl Junction,MO

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

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 Carl Junction

Cheapest Car Insurance Companies after an At-Fault Accident in Carl Junction

Carl Junction Car Insurance Rates by Violation

Carl Junction auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Carl Junction after a DUI

Carl Junction car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Carl Junction after Speeding ticket

Car Insurance Price Trends in Carl Junction, Missouri

Average Car Insurance Cost in Carl Junction by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Carl Junction, MO

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

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