Cheapest Car Insurance Quotes in Centerville

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Centerville Car Insurance

^$ 32

/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 Centerville

The car insurance rate in Centerville is $1280 for a six-month policy, which is $116 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $549, making it a popular choice for budget-conscious drivers. Rates in Centerville 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 Centerville

$1280

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Centerville

1st place: American Family

At $549 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 $738 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $758 for six months, making it the third cheapest auto insurance company in Centerville.

Centerville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Centerville, MO is American Family, offering policies at just $549 for a six-month term. This is followed by USAA, which has an average six-month premium of $738.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3130 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Centerville drivers find the best deals.

Cheap Car Insurance Companies in Centerville, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$549	$94
USAA	$738	$124
Travelers	$758	$128
Encompass	$1033	$172
Shelter	$1065	$179
State Farm	$1163	$196
Electric	$1202	$205
Farm Bureau	$1235	$206
Missouri Farm Bureau	$1313	$223
Progressive	$1360	$229
Allstate	$1458	$245
Nationwide	$1647	$274
Farmers	$3130	$532

Key Takeaways

Way's key takeaways about car insurance in Centerville

The auto insurance costs in Centerville fall around $549 for six months.
The cheapest auto insurance company in Centerville is USAA.
Teen drivers pay the highest rate in Centerville at $1708 per month.

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Cheapest Minimum Liability Car Insurance in Centerville

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 Centerville are given below.

USAA provides the cheapest minimum car insurance coverage in Centerville. Their Average 6 Month Premium is $189. Farmers is the most expensive at $1124 for the same period.

Cheapest Liability Coverage in Centerville, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$189	$32
Missouri Farm Bureau	$209	$35
Electric	$268	$45
Travelers	$274	$46
Farm Bureau	$281	$47
American Family	$294	$50
Encompass	$307	$52
Progressive	$314	$53
Shelter	$385	$65
State Farm	$411	$69
Nationwide	$660	$110
Allstate	$686	$116
Farmers	$1124	$187

Cheapest Full Coverage Car Insurance in Centerville

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 Centerville is American Family at $94 per month and $549 for six months.

Cheapest Full Coverage Car Insurance Quotes in Centerville, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$549	$94
USAA	$738	$124
Travelers	$758	$128
Encompass	$1033	$172
Shelter	$1065	$179
State Farm	$1163	$196
Electric	$1202	$205
Farm Bureau	$1235	$206
Missouri Farm Bureau	$1313	$223
Progressive	$1360	$229
Allstate	$1458	$245
Nationwide	$1647	$274
Farmers	$3130	$532

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Average Car Insurance in Centerville 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 Centerville, MO increasing?

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

Car Insurance Premiums by Age in Centerville

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 Centerville,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 Centerville at $46 per month. At $10252 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	$274	$46
American Family	$314	$53
Travelers	$1189	$200
USAA	$1202	$202
Progressive	$2294	$386
State Farm	$2365	$398
Shelter	$2640	$444
Farm Bureau	$3209	$546
Allstate	$4169	$702
Nationwide	$5025	$855
Farmers	$10252	$1708

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 Centerville, Kemper is the cheapest car insurance provider. At $503 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 Centerville is Farmers, offering rates of around $6365 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$503	$86
American Family	$536	$89
Nationwide	$620	$106
Travelers	$1000	$168
USAA	$1156	$197
Progressive	$1458	$245
Shelter	$1673	$282
Farm Bureau	$2078	$347
Allstate	$2438	$410
State Farm	$4411	$735
Farmers	$6365	$1082

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Car Insurance Rates with An Accident in Centerville

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

Cheapest Car Insurance Companies after an At-Fault Accident in Centerville

The cheapest car insurance companies after an at-fault accident in Centerville include Missouri Farm Bureau and Electric, offering $229 and $327, respectively. Farmers is an expensive provider with an average six-month premium of $4463.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$229	$39
Electric	$327	$56
American Family	$360	$59
Encompass	$418	$72
USAA	$595	$100
Travelers	$673	$113
Progressive	$987	$166
State Farm	$1026	$173
Shelter	$1150	$194
Farm Bureau	$1594	$271
Nationwide	$2438	$406
Allstate	$2960	$498
Farmers	$4463	$744

Centerville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Centerville MO. For example, the car insurance in Centerville after a DUI increases to $889 for a six month policy. While the rate increases by $307 for a six-month policy in the case of a speeding ticket.

Centerville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1758	$293
One Med/PIP claim	$1758	$299
Not-at-fault accident	$1810	$301
One comp claim	$1823	$310
Two Med/PIP claims	$1823	$304
Two comp claims	$1940	$330
Failure to wear a seat belt	$1993	$332
Failure to show documents	$2000	$340
Child safety restraint	$2032	$339
Driving without lights	$2032	$345
Driving with expired registration	$2045	$341
Cell phone violation	$2058	$350
Driving too slowly	$2058	$343
Following too closely	$2058	$350
Speeding in school zone	$2058	$343
Failure to yield	$2065	$351
Speeding 11 - 15 MPH over limit	$2065	$344
Speeding 16 - 20 MPH over limit	$2065	$351
Speeding 6 - 10 MPH over limit	$2065	$344
Texting while driving	$2065	$351
Illegal turn	$2071	$345
Wrong way/wrong lane	$2071	$352
Failure to stop at a red light	$2078	$347
Improper passing	$2078	$353
Speeding 21 - 25 MPH over limit	$2078	$347
In 65 MPH zone	$2091	$355
Passing school bus	$2130	$355
Open container	$2196	$373
Operating a vehicle without permission	$2247	$375
At-fault accident - less than $1000	$2431	$414
At-fault accident - $1000-$2000	$2567	$428
At-fault accident - greater than $2000	$2567	$437
Refusal to submit to a chemical test	$2600	$433
DUI	$2647	$450
Driving with a suspended license	$2705	$451
Racing	$2771	$471
Leaving scene of an accident/hit and run	$2809	$469
Reckless driving	$2842	$483

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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 Centerville 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 Centerville.

The cheapest car insurance premiums in Centerville are offered by Missouri Farm Bureau at $274 for a six-month policy. However, it can be as expensive as $5723 with companies like Farmers.

Centerville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$274	$46
American Family	$353	$58
Kemper	$438	$75
Travelers	$706	$119
USAA	$902	$152
Progressive	$947	$160
Shelter	$1280	$216
State Farm	$1392	$234
Farm Bureau	$1503	$255
Allstate	$2424	$408
Nationwide	$3038	$517
Farmers	$5723	$954

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 Centerville are offered by American Family at $353. However, it can be as expensive as $3973 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Centerville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$353	$61
Travelers	$732	$123
USAA	$758	$129
Shelter	$843	$142
State Farm	$902	$152
Progressive	$1098	$185
Farm Bureau	$1274	$217
Allstate	$2202	$367
Farmers	$3973	$675

Car Insurance Price Trends in Centerville, Missouri

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

The average cost of full coverage in the Centerville rose by $245 in January compared to $143 of December. In other words, there has been an increase by $102 when you compare January and December.

The average cost of liability insurance in the Centerville rose to $62 in January, compared to $53 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 Centerville?

The car insurance in Centerville is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Centerville?

The cheapest car insurance in Centerville is $94 per month for full coverage.

How much is car insurance in Centerville for teenagers?

Car insurance for teenagers costs $274 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 Centerville?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $216 per month to insure your car in Centerville.

Is car insurance expensive in Centerville?

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

Cheapest Car Insurance Quotes in Centerville

Why you can trust Way?

How Much Is Car Insurance in Centerville

Avg. Car Insurance in Centerville

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Centerville

1st place: American Family

2nd place: USAA

3rd place: Travelers

Centerville Car Insurance Rates by Company

Cheap Car Insurance Companies in Centerville, MO

Way's key takeaways about car insurance in Centerville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Centerville

Cheapest Liability Coverage in Centerville, MO

Cheapest Full Coverage Car Insurance in Centerville

Cheapest Full Coverage Car Insurance Quotes in Centerville, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Centerville by Rating Factor

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

Car Insurance Premiums by Age in Centerville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Centerville,MO

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

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 Centerville

Cheapest Car Insurance Companies after an At-Fault Accident in Centerville

Centerville Car Insurance Rates by Violation

Centerville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Centerville after a DUI

Centerville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Centerville after Speeding ticket

Car Insurance Price Trends in Centerville, Missouri

Average Car Insurance Cost in Centerville by ZIP Code

Frequently Asked Questions

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