Cheapest Car Insurance Quotes in Charlack

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Charlack Car Insurance

^$ 35

/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 Charlack

The car insurance rate in Charlack is $1397 for a six-month policy, which is $233 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $599, making it a popular choice for budget-conscious drivers. Rates in Charlack 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 Charlack

$1397

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Charlack

1st place: American Family

At $599 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 $805 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $827 for six months, making it the third cheapest auto insurance company in Charlack.

Charlack Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Charlack, MO is American Family, offering policies at just $599 for a six-month term. This is followed by USAA, which has an average six-month premium of $805.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3414 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Charlack drivers find the best deals.

Cheap Car Insurance Companies in Charlack, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$599	$102
USAA	$805	$136
Travelers	$827	$139
Encompass	$1127	$187
Shelter	$1162	$196
State Farm	$1268	$214
Electric	$1312	$223
Farm Bureau	$1348	$224
Missouri Farm Bureau	$1433	$244
Progressive	$1483	$250
Allstate	$1590	$268
Nationwide	$1796	$299
Farmers	$3414	$581

Key Takeaways

Way's key takeaways about car insurance in Charlack

The auto insurance costs in Charlack fall around $599 for six months.
The cheapest auto insurance company in Charlack is USAA.
Teen drivers pay the highest rate in Charlack at $1864 per month.

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Cheapest Minimum Liability Car Insurance in Charlack

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 Charlack are given below.

USAA provides the cheapest minimum car insurance coverage in Charlack. Their Average 6 Month Premium is $206. Farmers is the most expensive at $1226 for the same period.

Cheapest Liability Coverage in Charlack, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$206	$35
Missouri Farm Bureau	$228	$38
Electric	$293	$49
Travelers	$299	$50
Farm Bureau	$306	$52
American Family	$320	$54
Encompass	$335	$56
Progressive	$342	$58
Shelter	$420	$71
State Farm	$449	$76
Nationwide	$720	$120
Allstate	$749	$126
Farmers	$1226	$204

Cheapest Full Coverage Car Insurance in Charlack

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 Charlack is American Family at $102 per month and $599 for six months.

Cheapest Full Coverage Car Insurance Quotes in Charlack, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$599	$102
USAA	$805	$136
Travelers	$827	$139
Encompass	$1127	$187
Shelter	$1162	$196
State Farm	$1268	$214
Electric	$1312	$223
Farm Bureau	$1348	$224
Missouri Farm Bureau	$1433	$244
Progressive	$1483	$250
Allstate	$1590	$268
Nationwide	$1796	$299
Farmers	$3414	$581

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Average Car Insurance in Charlack 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 Charlack, MO increasing?

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

Car Insurance Premiums by Age in Charlack

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 Charlack,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 Charlack at $50 per month. At $11184 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	$299	$50
American Family	$342	$58
Travelers	$1297	$218
USAA	$1312	$221
Progressive	$2502	$421
State Farm	$2580	$434
Shelter	$2880	$485
Farm Bureau	$3500	$595
Allstate	$4548	$766
Nationwide	$5482	$932
Farmers	$11184	$1864

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 Charlack, Kemper is the cheapest car insurance provider. At $548 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 Charlack is Farmers, offering rates of around $6943 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$548	$94
American Family	$584	$97
Nationwide	$677	$115
Travelers	$1091	$184
USAA	$1261	$215
Progressive	$1590	$268
Shelter	$1825	$307
Farm Bureau	$2267	$378
Allstate	$2659	$448
State Farm	$4812	$802
Farmers	$6943	$1181

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Save up to $971/yr on car insurance rates in Charlack.

Car Insurance Rates with An Accident in Charlack

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

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

The cheapest car insurance companies after an at-fault accident in Charlack include Missouri Farm Bureau and Electric, offering $250 and $356, respectively. Farmers is an expensive provider with an average six-month premium of $4868.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$250	$42
Electric	$356	$61
American Family	$392	$65
Encompass	$456	$78
USAA	$649	$109
Travelers	$734	$124
Progressive	$1076	$181
State Farm	$1120	$188
Shelter	$1254	$211
Farm Bureau	$1739	$295
Nationwide	$2659	$443
Allstate	$3229	$544
Farmers	$4868	$811

Charlack Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Charlack MO. For example, the car insurance in Charlack after a DUI increases to $969 for a six month policy. While the rate increases by $334 for a six-month policy in the case of a speeding ticket.

Charlack auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1918	$319
One Med/PIP claim	$1918	$326
Not-at-fault accident	$1974	$329
One comp claim	$1988	$338
Two Med/PIP claims	$1988	$331
Two comp claims	$2117	$360
Failure to wear a seat belt	$2174	$362
Failure to show documents	$2182	$371
Child safety restraint	$2216	$370
Driving without lights	$2216	$377
Driving with expired registration	$2231	$372
Cell phone violation	$2245	$382
Driving too slowly	$2245	$374
Following too closely	$2245	$382
Speeding in school zone	$2245	$374
Failure to yield	$2252	$383
Speeding 11 - 15 MPH over limit	$2252	$376
Speeding 16 - 20 MPH over limit	$2252	$383
Speeding 6 - 10 MPH over limit	$2252	$376
Texting while driving	$2252	$383
Illegal turn	$2260	$377
Wrong way/wrong lane	$2260	$384
Failure to stop at a red light	$2267	$378
Improper passing	$2267	$385
Speeding 21 - 25 MPH over limit	$2267	$378
In 65 MPH zone	$2281	$388
Passing school bus	$2323	$388
Open container	$2395	$407
Operating a vehicle without permission	$2452	$409
At-fault accident - less than $1000	$2652	$451
At-fault accident - $1000-$2000	$2801	$467
At-fault accident - greater than $2000	$2801	$476
Refusal to submit to a chemical test	$2837	$473
DUI	$2887	$491
Driving with a suspended license	$2951	$492
Racing	$3023	$514
Leaving scene of an accident/hit and run	$3065	$511
Reckless driving	$3101	$527

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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 Charlack 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 Charlack.

The cheapest car insurance premiums in Charlack are offered by Missouri Farm Bureau at $299 for a six-month policy. However, it can be as expensive as $6244 with companies like Farmers.

Charlack car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$299	$50
American Family	$385	$64
Kemper	$478	$82
Travelers	$770	$130
USAA	$984	$166
Progressive	$1033	$174
Shelter	$1397	$235
State Farm	$1518	$256
Farm Bureau	$1639	$278
Allstate	$2645	$445
Nationwide	$3314	$564
Farmers	$6244	$1040

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 Charlack are offered by American Family at $385. However, it can be as expensive as $4334 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Charlack after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$385	$66
Travelers	$798	$134
USAA	$827	$140
Shelter	$919	$155
State Farm	$984	$166
Progressive	$1198	$202
Farm Bureau	$1390	$236
Allstate	$2402	$401
Farmers	$4334	$737

Car Insurance Price Trends in Charlack, Missouri

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

The average cost of full coverage in the Charlack rose by $268 in January compared to $156 of December. In other words, there has been an increase by $112 when you compare January and December.

The average cost of liability insurance in the Charlack rose to $67 in January, compared to $58 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 Charlack?

The car insurance in Charlack is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Charlack?

The cheapest car insurance in Charlack is $102 per month for full coverage.

How much is car insurance in Charlack for teenagers?

Car insurance for teenagers costs $299 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 Charlack?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $235 per month to insure your car in Charlack.

Is car insurance expensive in Charlack?

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

Cheapest Car Insurance Quotes in Charlack

Why you can trust Way?

How Much Is Car Insurance in Charlack

Avg. Car Insurance in Charlack

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Charlack

1st place: American Family

2nd place: USAA

3rd place: Travelers

Charlack Car Insurance Rates by Company

Cheap Car Insurance Companies in Charlack, MO

Way's key takeaways about car insurance in Charlack

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Charlack

Cheapest Liability Coverage in Charlack, MO

Cheapest Full Coverage Car Insurance in Charlack

Cheapest Full Coverage Car Insurance Quotes in Charlack, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Charlack by Rating Factor

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

Car Insurance Premiums by Age in Charlack

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Charlack,MO

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

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 Charlack

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

Charlack Car Insurance Rates by Violation

Charlack auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Charlack after a DUI

Charlack car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Charlack after Speeding ticket

Car Insurance Price Trends in Charlack, Missouri

Average Car Insurance Cost in Charlack by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Charlack, MO

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