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Finding the cheapest car insurance quotes in Cook Sta shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Cook Sta
The car insurance rate in Cook Sta 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 Cook Sta 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.
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 Cook Sta.
Cook Sta Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Cook Sta, 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 Cook Sta drivers find the best deals.
Way's key takeaways about car insurance in Cook Sta
The auto insurance costs in Cook Sta fall around $474 for six
months.
The cheapest auto insurance company in Cook Sta is USAA.
Teen drivers pay the highest rate in Cook Sta at $1475 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Cook Sta
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 Cook Sta are given below.
USAA provides
the cheapest minimum car insurance
coverage in Cook Sta. Their Average 6 Month Premium is $163.
Farmers is the most
expensive at $971 for the same
period.
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 Cook Sta is American Family
at $81 per month and $474
for six months.
Cheapest Full Coverage Car Insurance Quotes in Cook Sta,
MO
Get Your Car Insurance Quote in Cook Sta
Instantly!
Average Car Insurance in Cook Sta 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 Cook Sta, MO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Cook Sta, 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, Cook Sta's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Cook Sta
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Cook Sta,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 Cook Sta at $40
per
month. At $8854 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Cook Sta.
As young drivers face the highest rates in Cook Sta, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Cook Sta,
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
Cook Sta is Farmers, offering
rates of around $5497 for six
months.
Save up to $971/yr on car insurance rates in Cook Sta.
Car Insurance Rates with An Accident in Cook Sta
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 Cook Sta, MO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Cook Sta
The cheapest car insurance companies after an at-fault accident in
Cook Sta include Missouri Farm Bureau
and Electric, offering $198
and $282,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3854.
Here is a list of driving violations that can increase your car
insurance rates in Cook Sta MO. For example, the car
insurance in Cook Sta
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.
Cook Sta 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 Cook Sta 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 Cook Sta.
The cheapest car insurance premiums in
Cook Sta 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.
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 Cook Sta 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 Cook Sta after Speeding ticket
Car insurance rates in Cook Sta have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Cook Sta 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 Cook Sta rose to $53 in January,
compared to $46 in December.
This represents an increase of $7
when comparing January and December.
Average Car Insurance Cost in Cook Sta by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Cook Sta. At $2211 for a
six-month policy, insuring
your car at 65449 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Cook Sta?
The car insurance in Cook Sta is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Cook Sta?
The cheapest car insurance in Cook Sta
is $81 per month
for full coverage.
How much is car insurance in Cook Sta 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
Cook Sta?
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 Cook Sta.
Is car insurance expensive in Cook Sta?
Car insurance can be expensive in Cook Sta if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Cook Sta can be
affordable.
What is the best car insurance in Cook Sta,
MO?
The best car insurance company in Cook Sta
MO is
American Family, offering $474 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Cook Sta, MO
Car Insurance Rates by State in the USA (2025 Update)
Cook Sta Car Insurance
