Cheapest Car Insurance Quotes in Cedar Hill Lakes

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Cedar Hill Lakes Car Insurance

^$ 33

/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 Cedar Hill Lakes

The car insurance rate in Cedar Hill Lakes is $1327 for a six-month policy, which is $163 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $569, making it a popular choice for budget-conscious drivers. Rates in Cedar Hill Lakes 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 Cedar Hill Lakes

$1327

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Cedar Hill Lakes

1st place: American Family

At $569 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 $765 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $785 for six months, making it the third cheapest auto insurance company in Cedar Hill Lakes.

Cedar Hill Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cedar Hill Lakes, MO is American Family, offering policies at just $569 for a six-month term. This is followed by USAA, which has an average six-month premium of $765.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3243 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedar Hill Lakes drivers find the best deals.

Cheap Car Insurance Companies in Cedar Hill Lakes, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$569	$97
USAA	$765	$129
Travelers	$785	$132
Encompass	$1070	$178
Shelter	$1104	$186
State Farm	$1205	$203
Electric	$1246	$212
Farm Bureau	$1280	$213
Missouri Farm Bureau	$1361	$231
Progressive	$1409	$237
Allstate	$1510	$254
Nationwide	$1707	$284
Farmers	$3243	$552

Key Takeaways

Way's key takeaways about car insurance in Cedar Hill Lakes

The auto insurance costs in Cedar Hill Lakes fall around $569 for six months.
The cheapest auto insurance company in Cedar Hill Lakes is USAA.
Teen drivers pay the highest rate in Cedar Hill Lakes at $1770 per month.

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Cheapest Minimum Liability Car Insurance in Cedar Hill Lakes

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 Cedar Hill Lakes are given below.

USAA provides the cheapest minimum car insurance coverage in Cedar Hill Lakes. Their Average 6 Month Premium is $196. Farmers is the most expensive at $1165 for the same period.

Cheapest Liability Coverage in Cedar Hill Lakes, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$196	$33
Missouri Farm Bureau	$217	$36
Electric	$278	$47
Travelers	$284	$48
Farm Bureau	$291	$49
American Family	$304	$51
Encompass	$318	$54
Progressive	$325	$55
Shelter	$399	$67
State Farm	$426	$72
Nationwide	$684	$114
Allstate	$711	$120
Farmers	$1165	$194

Cheapest Full Coverage Car Insurance in Cedar Hill Lakes

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 Cedar Hill Lakes is American Family at $97 per month and $569 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cedar Hill Lakes, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$569	$97
USAA	$765	$129
Travelers	$785	$132
Encompass	$1070	$178
Shelter	$1104	$186
State Farm	$1205	$203
Electric	$1246	$212
Farm Bureau	$1280	$213
Missouri Farm Bureau	$1361	$231
Progressive	$1409	$237
Allstate	$1510	$254
Nationwide	$1707	$284
Farmers	$3243	$552

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Average Car Insurance in Cedar Hill Lakes 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 Cedar Hill Lakes, MO increasing?

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

Car Insurance Premiums by Age in Cedar Hill Lakes

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 Cedar Hill Lakes,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 Cedar Hill Lakes at $48 per month. At $10625 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	$284	$48
American Family	$325	$55
Travelers	$1232	$207
USAA	$1246	$210
Progressive	$2377	$400
State Farm	$2451	$413
Shelter	$2736	$461
Farm Bureau	$3325	$565
Allstate	$4321	$727
Nationwide	$5208	$886
Farmers	$10625	$1770

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 Cedar Hill Lakes, Kemper is the cheapest car insurance provider. At $521 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 Cedar Hill Lakes is Farmers, offering rates of around $6596 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$521	$89
American Family	$555	$92
Nationwide	$643	$109
Travelers	$1036	$174
USAA	$1198	$204
Progressive	$1510	$254
Shelter	$1734	$292
Farm Bureau	$2153	$359
Allstate	$2526	$425
State Farm	$4571	$762
Farmers	$6596	$1122

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Save up to $971/yr on car insurance rates in Cedar Hill Lakes.

Car Insurance Rates with An Accident in Cedar Hill Lakes

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 Cedar Hill Lakes, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Hill Lakes

The cheapest car insurance companies after an at-fault accident in Cedar Hill Lakes include Missouri Farm Bureau and Electric, offering $237 and $339, respectively. Farmers is an expensive provider with an average six-month premium of $4625.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$237	$40
Electric	$339	$58
American Family	$373	$62
Encompass	$433	$74
USAA	$617	$104
Travelers	$698	$117
Progressive	$1023	$172
State Farm	$1064	$179
Shelter	$1191	$201
Farm Bureau	$1652	$280
Nationwide	$2526	$421
Allstate	$3068	$516
Farmers	$4625	$771

Cedar Hill Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cedar Hill Lakes MO. For example, the car insurance in Cedar Hill Lakes after a DUI increases to $921 for a six month policy. While the rate increases by $318 for a six-month policy in the case of a speeding ticket.

Cedar Hill Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1822	$303
One Med/PIP claim	$1822	$310
Not-at-fault accident	$1875	$312
One comp claim	$1889	$321
Two Med/PIP claims	$1889	$315
Two comp claims	$2011	$342
Failure to wear a seat belt	$2066	$344
Failure to show documents	$2073	$352
Child safety restraint	$2106	$351
Driving without lights	$2106	$358
Driving with expired registration	$2119	$353
Cell phone violation	$2133	$363
Driving too slowly	$2133	$356
Following too closely	$2133	$363
Speeding in school zone	$2133	$356
Failure to yield	$2140	$364
Speeding 11 - 15 MPH over limit	$2140	$357
Speeding 16 - 20 MPH over limit	$2140	$364
Speeding 6 - 10 MPH over limit	$2140	$357
Texting while driving	$2140	$364
Illegal turn	$2147	$358
Wrong way/wrong lane	$2147	$365
Failure to stop at a red light	$2153	$359
Improper passing	$2153	$366
Speeding 21 - 25 MPH over limit	$2153	$359
In 65 MPH zone	$2167	$368
Passing school bus	$2207	$368
Open container	$2275	$386
Operating a vehicle without permission	$2329	$389
At-fault accident - less than $1000	$2519	$429
At-fault accident - $1000-$2000	$2661	$443
At-fault accident - greater than $2000	$2661	$453
Refusal to submit to a chemical test	$2695	$449
DUI	$2743	$466
Driving with a suspended license	$2803	$467
Racing	$2872	$488
Leaving scene of an accident/hit and run	$2912	$486
Reckless driving	$2946	$500

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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 Cedar Hill Lakes 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 Cedar Hill Lakes.

The cheapest car insurance premiums in Cedar Hill Lakes are offered by Missouri Farm Bureau at $284 for a six-month policy. However, it can be as expensive as $5931 with companies like Farmers.

Cedar Hill Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$284	$48
American Family	$366	$60
Kemper	$454	$78
Travelers	$732	$123
USAA	$935	$157
Progressive	$982	$165
Shelter	$1327	$223
State Farm	$1442	$243
Farm Bureau	$1557	$264
Allstate	$2513	$423
Nationwide	$3149	$536
Farmers	$5931	$988

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 Cedar Hill Lakes are offered by American Family at $366. However, it can be as expensive as $4118 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cedar Hill Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$366	$63
Travelers	$758	$128
USAA	$785	$133
Shelter	$873	$147
State Farm	$935	$157
Progressive	$1138	$192
Farm Bureau	$1320	$225
Allstate	$2282	$381
Farmers	$4118	$700

Car Insurance Price Trends in Cedar Hill Lakes, Missouri

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

The average cost of full coverage in the Cedar Hill Lakes rose by $254 in January compared to $148 of December. In other words, there has been an increase by $106 when you compare January and December.

The average cost of liability insurance in the Cedar Hill Lakes rose to $64 in January, compared to $55 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cedar Hill Lakes?

The car insurance in Cedar Hill Lakes is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Cedar Hill Lakes?

The cheapest car insurance in Cedar Hill Lakes is $97 per month for full coverage.

How much is car insurance in Cedar Hill Lakes for teenagers?

Car insurance for teenagers costs $284 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 Cedar Hill Lakes?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $223 per month to insure your car in Cedar Hill Lakes.

Is car insurance expensive in Cedar Hill Lakes?

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

Cheapest Car Insurance Quotes in Cedar Hill Lakes

Why you can trust Way?

How Much Is Car Insurance in Cedar Hill Lakes

Avg. Car Insurance in Cedar Hill Lakes

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Cedar Hill Lakes

1st place: American Family

2nd place: USAA

3rd place: Travelers

Cedar Hill Lakes Car Insurance Rates by Company

Cheap Car Insurance Companies in Cedar Hill Lakes, MO

Way's key takeaways about car insurance in Cedar Hill Lakes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cedar Hill Lakes

Cheapest Liability Coverage in Cedar Hill Lakes, MO

Cheapest Full Coverage Car Insurance in Cedar Hill Lakes

Cheapest Full Coverage Car Insurance Quotes in Cedar Hill Lakes, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cedar Hill Lakes by Rating Factor

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

Car Insurance Premiums by Age in Cedar Hill Lakes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cedar Hill Lakes,MO

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

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 Cedar Hill Lakes

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Hill Lakes

Cedar Hill Lakes Car Insurance Rates by Violation

Cedar Hill Lakes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cedar Hill Lakes after a DUI

Cedar Hill Lakes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cedar Hill Lakes after Speeding ticket

Car Insurance Price Trends in Cedar Hill Lakes, Missouri

Average Car Insurance Cost in Cedar Hill Lakes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cedar Hill Lakes, MO

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

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