Cheapest Car Insurance Quotes in Cool Valley

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Cool Valley Car Insurance

^$ 44

/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 Cool Valley

The car insurance rate in Cool Valley is $1781 for a six-month policy, which is $617 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $763, making it a popular choice for budget-conscious drivers. Rates in Cool Valley 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 Cool Valley

$1781

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Cool Valley

1st place: American Family

At $763 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 $1027 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1054 for six months, making it the third cheapest auto insurance company in Cool Valley.

Cool Valley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cool Valley, MO is American Family, offering policies at just $763 for a six-month term. This is followed by USAA, which has an average six-month premium of $1027.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $4353 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cool Valley drivers find the best deals.

Cheap Car Insurance Companies in Cool Valley, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$763	$130
USAA	$1027	$173
Travelers	$1054	$177
Encompass	$1437	$239
Shelter	$1481	$249
State Farm	$1617	$272
Electric	$1672	$285
Farm Bureau	$1718	$286
Missouri Farm Bureau	$1827	$311
Progressive	$1891	$318
Allstate	$2027	$341
Nationwide	$2290	$381
Farmers	$4353	$741

Key Takeaways

Way's key takeaways about car insurance in Cool Valley

The auto insurance costs in Cool Valley fall around $763 for six months.
The cheapest auto insurance company in Cool Valley is USAA.
Teen drivers pay the highest rate in Cool Valley at $2376 per month.

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Cheapest Minimum Liability Car Insurance in Cool Valley

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 Cool Valley are given below.

USAA provides the cheapest minimum car insurance coverage in Cool Valley. Their Average 6 Month Premium is $263. Farmers is the most expensive at $1564 for the same period.

Cheapest Liability Coverage in Cool Valley, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$263	$44
Missouri Farm Bureau	$291	$49
Electric	$373	$63
Travelers	$381	$64
Farm Bureau	$390	$66
American Family	$409	$69
Encompass	$427	$72
Progressive	$436	$73
Shelter	$536	$90
State Farm	$572	$96
Nationwide	$918	$153
Allstate	$955	$161
Farmers	$1564	$260

Cheapest Full Coverage Car Insurance in Cool Valley

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 Cool Valley is American Family at $130 per month and $763 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cool Valley, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$763	$130
USAA	$1027	$173
Travelers	$1054	$177
Encompass	$1437	$239
Shelter	$1481	$249
State Farm	$1617	$272
Electric	$1672	$285
Farm Bureau	$1718	$286
Missouri Farm Bureau	$1827	$311
Progressive	$1891	$318
Allstate	$2027	$341
Nationwide	$2290	$381
Farmers	$4353	$741

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Average Car Insurance in Cool Valley 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 Cool Valley, MO increasing?

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

Car Insurance Premiums by Age in Cool Valley

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 Cool Valley,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 Cool Valley at $64 per month. At $14260 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	$381	$64
American Family	$436	$73
Travelers	$1654	$278
USAA	$1672	$282
Progressive	$3190	$537
State Farm	$3290	$554
Shelter	$3672	$618
Farm Bureau	$4463	$759
Allstate	$5799	$976
Nationwide	$6989	$1189
Farmers	$14260	$2376

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 Cool Valley, Kemper is the cheapest car insurance provider. At $699 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 Cool Valley is Farmers, offering rates of around $8853 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$699	$119
American Family	$745	$124
Nationwide	$863	$147
Travelers	$1391	$234
USAA	$1608	$274
Progressive	$2027	$341
Shelter	$2327	$392
Farm Bureau	$2890	$482
Allstate	$3390	$571
State Farm	$6135	$1022
Farmers	$8853	$1506

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Car Insurance Rates with An Accident in Cool Valley

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cool Valley

The cheapest car insurance companies after an at-fault accident in Cool Valley include Missouri Farm Bureau and Electric, offering $318 and $454, respectively. Farmers is an expensive provider with an average six-month premium of $6207.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$318	$54
Electric	$454	$78
American Family	$500	$83
Encompass	$581	$99
USAA	$828	$139
Travelers	$936	$158
Progressive	$1372	$231
State Farm	$1427	$240
Shelter	$1599	$269
Farm Bureau	$2217	$376
Nationwide	$3390	$565
Allstate	$4117	$693
Farmers	$6207	$1034

Cool Valley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cool Valley MO. For example, the car insurance in Cool Valley after a DUI increases to $1236 for a six month policy. While the rate increases by $427 for a six-month policy in the case of a speeding ticket.

Cool Valley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2445	$407
One Med/PIP claim	$2445	$416
Not-at-fault accident	$2517	$419
One comp claim	$2535	$431
Two Med/PIP claims	$2535	$422
Two comp claims	$2699	$459
Failure to wear a seat belt	$2772	$462
Failure to show documents	$2782	$473
Child safety restraint	$2826	$471
Driving without lights	$2826	$480
Driving with expired registration	$2844	$474
Cell phone violation	$2863	$487
Driving too slowly	$2863	$477
Following too closely	$2863	$487
Speeding in school zone	$2863	$477
Failure to yield	$2872	$488
Speeding 11 - 15 MPH over limit	$2872	$479
Speeding 16 - 20 MPH over limit	$2872	$488
Speeding 6 - 10 MPH over limit	$2872	$479
Texting while driving	$2872	$488
Illegal turn	$2881	$480
Wrong way/wrong lane	$2881	$490
Failure to stop at a red light	$2890	$482
Improper passing	$2890	$491
Speeding 21 - 25 MPH over limit	$2890	$482
In 65 MPH zone	$2909	$494
Passing school bus	$2962	$494
Open container	$3054	$519
Operating a vehicle without permission	$3126	$522
At-fault accident - less than $1000	$3381	$575
At-fault accident - $1000-$2000	$3571	$595
At-fault accident - greater than $2000	$3571	$607
Refusal to submit to a chemical test	$3617	$603
DUI	$3681	$626
Driving with a suspended license	$3762	$627
Racing	$3854	$655
Leaving scene of an accident/hit and run	$3908	$652
Reckless driving	$3954	$672

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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 Cool Valley 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 Cool Valley.

The cheapest car insurance premiums in Cool Valley are offered by Missouri Farm Bureau at $381 for a six-month policy. However, it can be as expensive as $7961 with companies like Farmers.

Cool Valley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$381	$64
American Family	$491	$81
Kemper	$609	$104
Travelers	$982	$165
USAA	$1255	$211
Progressive	$1317	$222
Shelter	$1781	$300
State Farm	$1935	$326
Farm Bureau	$2090	$355
Allstate	$3372	$568
Nationwide	$4226	$719
Farmers	$7961	$1327

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 Cool Valley are offered by American Family at $491. However, it can be as expensive as $5526 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cool Valley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$491	$84
Travelers	$1017	$171
USAA	$1054	$179
Shelter	$1172	$197
State Farm	$1255	$211
Progressive	$1527	$257
Farm Bureau	$1772	$301
Allstate	$3063	$511
Farmers	$5526	$939

Car Insurance Price Trends in Cool Valley, Missouri

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

The average cost of full coverage in the Cool Valley rose by $341 in January compared to $199 of December. In other words, there has been an increase by $142 when you compare January and December.

The average cost of liability insurance in the Cool Valley rose to $86 in January, compared to $73 in December. This represents an increase of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cool Valley?

The car insurance in Cool Valley is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Cool Valley?

The cheapest car insurance in Cool Valley is $130 per month for full coverage.

How much is car insurance in Cool Valley for teenagers?

Car insurance for teenagers costs $381 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 Cool Valley?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $300 per month to insure your car in Cool Valley.

Is car insurance expensive in Cool Valley?

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

Cheapest Car Insurance Quotes in Cool Valley

Why you can trust Way?

How Much Is Car Insurance in Cool Valley

Avg. Car Insurance in Cool Valley

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Cool Valley

1st place: American Family

2nd place: USAA

3rd place: Travelers

Cool Valley Car Insurance Rates by Company

Cheap Car Insurance Companies in Cool Valley, MO

Way's key takeaways about car insurance in Cool Valley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cool Valley

Cheapest Liability Coverage in Cool Valley, MO

Cheapest Full Coverage Car Insurance in Cool Valley

Cheapest Full Coverage Car Insurance Quotes in Cool Valley, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cool Valley by Rating Factor

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

Car Insurance Premiums by Age in Cool Valley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cool Valley,MO

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

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 Cool Valley

Cheapest Car Insurance Companies after an At-Fault Accident in Cool Valley

Cool Valley Car Insurance Rates by Violation

Cool Valley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cool Valley after a DUI

Cool Valley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cool Valley after Speeding ticket

Car Insurance Price Trends in Cool Valley, Missouri

Average Car Insurance Cost in Cool Valley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cool Valley, MO

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