Cheapest Car Insurance Quotes in Dardenne Prairie

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Dardenne Prairie Car Insurance

^$ 27

/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 Dardenne Prairie

The car insurance rate in Dardenne Prairie is $1083 for a six-month policy, which is $81 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $464, making it a popular choice for budget-conscious drivers. Rates in Dardenne Prairie 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 Dardenne Prairie

$1083

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Dardenne Prairie

1st place: American Family

At $464 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 $624 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $641 for six months, making it the third cheapest auto insurance company in Dardenne Prairie.

Dardenne Prairie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dardenne Prairie, MO is American Family, offering policies at just $464 for a six-month term. This is followed by USAA, which has an average six-month premium of $624.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2646 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dardenne Prairie drivers find the best deals.

Cheap Car Insurance Companies in Dardenne Prairie, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$464	$79
USAA	$624	$105
Travelers	$641	$108
Encompass	$873	$145
Shelter	$900	$152
State Farm	$983	$166
Electric	$1016	$173
Farm Bureau	$1044	$174
Missouri Farm Bureau	$1110	$189
Progressive	$1149	$193
Allstate	$1232	$207
Nationwide	$1392	$232
Farmers	$2646	$450

Key Takeaways

Way's key takeaways about car insurance in Dardenne Prairie

The auto insurance costs in Dardenne Prairie fall around $464 for six months.
The cheapest auto insurance company in Dardenne Prairie is USAA.
Teen drivers pay the highest rate in Dardenne Prairie at $1444 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 Dardenne Prairie

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 Dardenne Prairie are given below.

USAA provides the cheapest minimum car insurance coverage in Dardenne Prairie. Their Average 6 Month Premium is $160. Farmers is the most expensive at $950 for the same period.

Cheapest Liability Coverage in Dardenne Prairie, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$160	$27
Missouri Farm Bureau	$177	$30
Electric	$227	$38
Travelers	$232	$39
Farm Bureau	$237	$40
American Family	$248	$42
Encompass	$259	$44
Progressive	$265	$45
Shelter	$326	$55
State Farm	$348	$59
Nationwide	$558	$93
Allstate	$580	$98
Farmers	$950	$158

Cheapest Full Coverage Car Insurance in Dardenne Prairie

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 Dardenne Prairie is American Family at $79 per month and $464 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dardenne Prairie, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$464	$79
USAA	$624	$105
Travelers	$641	$108
Encompass	$873	$145
Shelter	$900	$152
State Farm	$983	$166
Electric	$1016	$173
Farm Bureau	$1044	$174
Missouri Farm Bureau	$1110	$189
Progressive	$1149	$193
Allstate	$1232	$207
Nationwide	$1392	$232
Farmers	$2646	$450

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Average Car Insurance in Dardenne Prairie 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 Dardenne Prairie, MO increasing?

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

Car Insurance Premiums by Age in Dardenne Prairie

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 Dardenne Prairie,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 Dardenne Prairie at $39 per month. At $8668 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	$232	$39
American Family	$265	$45
Travelers	$1005	$169
USAA	$1016	$171
Progressive	$1939	$326
State Farm	$2000	$337
Shelter	$2232	$376
Farm Bureau	$2713	$461
Allstate	$3525	$593
Nationwide	$4248	$723
Farmers	$8668	$1444

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 Dardenne Prairie, Kemper is the cheapest car insurance provider. At $425 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 Dardenne Prairie is Farmers, offering rates of around $5381 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$425	$73
American Family	$453	$75
Nationwide	$525	$89
Travelers	$845	$142
USAA	$977	$166
Progressive	$1232	$207
Shelter	$1415	$238
Farm Bureau	$1757	$293
Allstate	$2061	$347
State Farm	$3729	$621
Farmers	$5381	$915

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

Car Insurance Rates with An Accident in Dardenne Prairie

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

Cheapest Car Insurance Companies after an At-Fault Accident in Dardenne Prairie

The cheapest car insurance companies after an at-fault accident in Dardenne Prairie include Missouri Farm Bureau and Electric, offering $193 and $276, respectively. Farmers is an expensive provider with an average six-month premium of $3773.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$193	$33
Electric	$276	$47
American Family	$304	$50
Encompass	$353	$60
USAA	$503	$85
Travelers	$569	$96
Progressive	$834	$140
State Farm	$868	$146
Shelter	$972	$164
Farm Bureau	$1348	$229
Nationwide	$2061	$343
Allstate	$2503	$421
Farmers	$3773	$629

Dardenne Prairie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dardenne Prairie MO. For example, the car insurance in Dardenne Prairie after a DUI increases to $752 for a six month policy. While the rate increases by $260 for a six-month policy in the case of a speeding ticket.

Dardenne Prairie auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1486	$247
One Med/PIP claim	$1486	$253
Not-at-fault accident	$1530	$255
One comp claim	$1541	$262
Two Med/PIP claims	$1541	$257
Two comp claims	$1641	$279
Failure to wear a seat belt	$1685	$281
Failure to show documents	$1691	$287
Child safety restraint	$1718	$286
Driving without lights	$1718	$292
Driving with expired registration	$1729	$288
Cell phone violation	$1740	$296
Driving too slowly	$1740	$290
Following too closely	$1740	$296
Speeding in school zone	$1740	$290
Failure to yield	$1746	$297
Speeding 11 - 15 MPH over limit	$1746	$291
Speeding 16 - 20 MPH over limit	$1746	$297
Speeding 6 - 10 MPH over limit	$1746	$291
Texting while driving	$1746	$297
Illegal turn	$1751	$292
Wrong way/wrong lane	$1751	$298
Failure to stop at a red light	$1757	$293
Improper passing	$1757	$299
Speeding 21 - 25 MPH over limit	$1757	$293
In 65 MPH zone	$1768	$300
Passing school bus	$1800	$300
Open container	$1856	$315
Operating a vehicle without permission	$1900	$317
At-fault accident - less than $1000	$2055	$350
At-fault accident - $1000-$2000	$2171	$362
At-fault accident - greater than $2000	$2171	$369
Refusal to submit to a chemical test	$2199	$366
DUI	$2238	$380
Driving with a suspended license	$2287	$381
Racing	$2343	$398
Leaving scene of an accident/hit and run	$2375	$396
Reckless driving	$2403	$408

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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 Dardenne Prairie 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 Dardenne Prairie.

The cheapest car insurance premiums in Dardenne Prairie are offered by Missouri Farm Bureau at $232 for a six-month policy. However, it can be as expensive as $4839 with companies like Farmers.

Dardenne Prairie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$232	$39
American Family	$299	$49
Kemper	$370	$63
Travelers	$597	$100
USAA	$763	$128
Progressive	$801	$135
Shelter	$1083	$182
State Farm	$1176	$198
Farm Bureau	$1270	$216
Allstate	$2050	$345
Nationwide	$2569	$437
Farmers	$4839	$806

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 Dardenne Prairie are offered by American Family at $299. However, it can be as expensive as $3359 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dardenne Prairie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$299	$51
Travelers	$618	$104
USAA	$641	$109
Shelter	$712	$120
State Farm	$763	$128
Progressive	$928	$156
Farm Bureau	$1077	$183
Allstate	$1862	$311
Farmers	$3359	$571

Car Insurance Price Trends in Dardenne Prairie, Missouri

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

The average cost of full coverage in the Dardenne Prairie rose by $207 in January compared to $121 of December. In other words, there has been an increase by $86 when you compare January and December.

The average cost of liability insurance in the Dardenne Prairie rose to $52 in January, compared to $45 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Dardenne Prairie?

The car insurance in Dardenne Prairie is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Dardenne Prairie?

The cheapest car insurance in Dardenne Prairie is $79 per month for full coverage.

How much is car insurance in Dardenne Prairie for teenagers?

Car insurance for teenagers costs $232 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 Dardenne Prairie?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $182 per month to insure your car in Dardenne Prairie.

Is car insurance expensive in Dardenne Prairie?

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

Cheapest Car Insurance Quotes in Dardenne Prairie

Why you can trust Way?

How Much Is Car Insurance in Dardenne Prairie

Avg. Car Insurance in Dardenne Prairie

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Dardenne Prairie

1st place: American Family

2nd place: USAA

3rd place: Travelers

Dardenne Prairie Car Insurance Rates by Company

Cheap Car Insurance Companies in Dardenne Prairie, MO

Way's key takeaways about car insurance in Dardenne Prairie

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dardenne Prairie

Cheapest Liability Coverage in Dardenne Prairie, MO

Cheapest Full Coverage Car Insurance in Dardenne Prairie

Cheapest Full Coverage Car Insurance Quotes in Dardenne Prairie, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dardenne Prairie by Rating Factor

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

Car Insurance Premiums by Age in Dardenne Prairie

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dardenne Prairie,MO

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

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 Dardenne Prairie

Cheapest Car Insurance Companies after an At-Fault Accident in Dardenne Prairie

Dardenne Prairie Car Insurance Rates by Violation

Dardenne Prairie auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dardenne Prairie after a DUI

Dardenne Prairie car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dardenne Prairie after Speeding ticket

Car Insurance Price Trends in Dardenne Prairie, Missouri

Average Car Insurance Cost in Dardenne Prairie by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dardenne Prairie, MO

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

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