Cheapest Car Insurance Quotes in Dellwood

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Dellwood 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 Dellwood

The car insurance rate in Dellwood is $1491 for a six-month policy, which is $510 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $758, making it a popular choice for budget-conscious drivers. Rates in Dellwood 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 Dellwood

$1491

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Dellwood

1st place: American Family

At $758 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $958 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1066 for six months, making it the third cheapest auto insurance company in Dellwood.

Dellwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dellwood, MO is American Family, offering policies at just $758 for a six-month term. This is followed by Travelers, which has an average six-month premium of $958.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $2275 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dellwood drivers find the best deals.

Cheap Car Insurance Companies in Dellwood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$758	$129
Travelers	$958	$161
USAA	$1066	$179
Shelter	$1418	$239
Encompass	$1427	$243
State Farm	$1508	$254
Electric	$1661	$283
Allstate	$1716	$289
Progressive	$1806	$304
Missouri Farm Bureau	$1815	$302
Nationwide	$2275	$388

Key Takeaways

Way's key takeaways about car insurance in Dellwood

The auto insurance costs in Dellwood fall around $758 for six months.
The cheapest auto insurance company in Dellwood is USAA.
Teen drivers pay the highest rate in Dellwood at $1157 per month.

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Cheapest Minimum Liability Car Insurance in Dellwood

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 Dellwood are given below.

USAA provides the cheapest minimum car insurance coverage in Dellwood. Their Average 6 Month Premium is $261. Nationwide is the most expensive at $912 for the same period.

Cheapest Liability Coverage in Dellwood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$261	$44
Missouri Farm Bureau	$289	$49
Travelers	$353	$59
Electric	$371	$62
Progressive	$397	$67
American Family	$406	$68
Encompass	$424	$71
Shelter	$506	$85
State Farm	$541	$91
Allstate	$813	$138
Nationwide	$912	$152

Cheapest Full Coverage Car Insurance in Dellwood

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 Dellwood is American Family at $129 per month and $758 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dellwood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$758	$129
Travelers	$958	$161
USAA	$1066	$179
Shelter	$1418	$239
Encompass	$1427	$243
State Farm	$1508	$254
Electric	$1661	$283
Allstate	$1716	$289
Progressive	$1806	$304
Missouri Farm Bureau	$1815	$302
Nationwide	$2275	$388

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Average Car Insurance in Dellwood 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 Dellwood, MO increasing?

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

Car Insurance Premiums by Age in Dellwood

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 Dellwood,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 Dellwood at $64 per month. At $6943 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$378	$64
American Family	$433	$73
Travelers	$1038	$175
USAA	$1598	$269
Progressive	$2330	$392
State Farm	$2610	$439
Shelter	$3080	$514
Allstate	$6203	$1055
Nationwide	$6943	$1157

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 Dellwood, Progressive is the cheapest car insurance provider. At $550 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 Dellwood is Allstate, offering rates of around $885 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$550	$94
Travelers	$568	$94
Kemper	$695	$119
American Family	$740	$123
Shelter	$777	$132
Nationwide	$857	$143
Allstate	$885	$150

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

Car Insurance Rates with An Accident in Dellwood

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

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

The cheapest car insurance companies after an at-fault accident in Dellwood include Missouri Farm Bureau and Electric, offering $316 and $451, respectively. Allstate is an expensive provider with an average six-month premium of $3657.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$316	$53
Electric	$451	$78
American Family	$497	$82
Encompass	$578	$99
Travelers	$686	$116
USAA	$704	$119
Progressive	$983	$166
State Farm	$1192	$201
Shelter	$1336	$225
Nationwide	$3368	$573
Allstate	$3657	$610

Dellwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dellwood MO. For example, the car insurance in Dellwood after a DUI increases to $1228 for a six month policy. While the rate increases by $424 for a six-month policy in the case of a speeding ticket.

Dellwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2429	$404
One Med/PIP claim	$2429	$413
Not-at-fault accident	$2500	$416
One comp claim	$2519	$429
Two Med/PIP claims	$2519	$420
Two comp claims	$2681	$456
Failure to wear a seat belt	$2754	$459
Failure to show documents	$2763	$470
Child safety restraint	$2807	$468
Driving without lights	$2807	$477
Driving with expired registration	$2826	$471
Cell phone violation	$2844	$483
Driving too slowly	$2844	$474
Following too closely	$2844	$483
Speeding in school zone	$2844	$474
Failure to yield	$2853	$485
Speeding 11 - 15 MPH over limit	$2853	$476
Speeding 16 - 20 MPH over limit	$2853	$485
Speeding 6 - 10 MPH over limit	$2853	$476
Texting while driving	$2853	$485
Illegal turn	$2862	$477
Wrong way/wrong lane	$2862	$486
Failure to stop at a red light	$2871	$479
Improper passing	$2871	$488
Speeding 21 - 25 MPH over limit	$2871	$479
In 65 MPH zone	$2890	$491
Passing school bus	$2943	$491
Open container	$3034	$515
Operating a vehicle without permission	$3105	$518
At-fault accident - less than $1000	$3359	$572
At-fault accident - $1000-$2000	$3548	$591
At-fault accident - greater than $2000	$3548	$603
Refusal to submit to a chemical test	$3593	$599
DUI	$3657	$622
Driving with a suspended license	$3738	$623
Racing	$3829	$651
Leaving scene of an accident/hit and run	$3882	$648
Reckless driving	$3928	$667

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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 Dellwood 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 Dellwood.

The cheapest car insurance premiums in Dellwood are offered by Missouri Farm Bureau at $378 for a six-month policy. However, it can be as expensive as $4198 with companies like Nationwide.

Dellwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$378	$64
American Family	$488	$81
Kemper	$605	$103
Travelers	$731	$123
Progressive	$903	$152
USAA	$1120	$188
State Farm	$1265	$213
Shelter	$1471	$248
Allstate	$3178	$541
Nationwide	$4198	$699

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 Dellwood are offered by Progressive at $433. However, it can be as expensive as $651 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Dellwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$433	$73
Travelers	$461	$76
American Family	$488	$84
State Farm	$541	$90
Shelter	$651	$111

Car Insurance Price Trends in Dellwood, Missouri

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

The average cost of full coverage in the Dellwood remained steady at $198 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Dellwood remained steady at $73 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Dellwood?

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

What is the cheapest car insurance in Dellwood?

The cheapest car insurance in Dellwood is $129 per month for full coverage.

How much is car insurance in Dellwood for teenagers?

Car insurance for teenagers costs $378 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 Dellwood?

The average cost of car insurance is $981 for a six-month policy. It will cost around $251 per month to insure your car in Dellwood.

Is car insurance expensive in Dellwood?

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

Cheapest Car Insurance Quotes in Dellwood

Why you can trust Way?

How Much Is Car Insurance in Dellwood

Avg. Car Insurance in Dellwood

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Dellwood

1st place: American Family

2nd place: Travelers

3rd place: USAA

Dellwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Dellwood, MO

Way's key takeaways about car insurance in Dellwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dellwood

Cheapest Liability Coverage in Dellwood, MO

Cheapest Full Coverage Car Insurance in Dellwood

Cheapest Full Coverage Car Insurance Quotes in Dellwood, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dellwood by Rating Factor

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

Car Insurance Premiums by Age in Dellwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dellwood,MO

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

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 Dellwood

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

Dellwood Car Insurance Rates by Violation

Dellwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dellwood after a DUI

Dellwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dellwood after Speeding ticket

Car Insurance Price Trends in Dellwood, Missouri

Average Car Insurance Cost in Dellwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dellwood, MO

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

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