Cheapest Car Insurance Quotes in Dellwood

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Dellwood Car Insurance

^$ 45

/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 $1816 for a six-month policy, which is $652 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $778, 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

$1816

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Dellwood

1st place: American Family

At $778 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 $1047 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1075 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 $778 for a six-month term. This is followed by USAA, which has an average six-month premium of $1047.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $4438 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	$778	$133
USAA	$1047	$176
Travelers	$1075	$181
Encompass	$1465	$243
Shelter	$1510	$254
State Farm	$1649	$278
Electric	$1705	$290
Farm Bureau	$1752	$292
Missouri Farm Bureau	$1863	$317
Progressive	$1928	$324
Allstate	$2067	$348
Nationwide	$2335	$388
Farmers	$4438	$755

Key Takeaways

Way's key takeaways about car insurance in Dellwood

The auto insurance costs in Dellwood fall around $778 for six months.
The cheapest auto insurance company in Dellwood is USAA.
Teen drivers pay the highest rate in Dellwood at $2423 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 $268. Farmers is the most expensive at $1594 for the same period.

Cheapest Liability Coverage in Dellwood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$268	$45
Missouri Farm Bureau	$296	$50
Electric	$381	$64
Travelers	$388	$66
Farm Bureau	$398	$67
American Family	$417	$70
Encompass	$435	$73
Progressive	$445	$75
Shelter	$546	$92
State Farm	$583	$98
Nationwide	$936	$156
Allstate	$973	$164
Farmers	$1594	$265

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 $133 per month and $778 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dellwood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$778	$133
USAA	$1047	$176
Travelers	$1075	$181
Encompass	$1465	$243
Shelter	$1510	$254
State Farm	$1649	$278
Electric	$1705	$290
Farm Bureau	$1752	$292
Missouri Farm Bureau	$1863	$317
Progressive	$1928	$324
Allstate	$2067	$348
Nationwide	$2335	$388
Farmers	$4438	$755

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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 $66 per month. At $14539 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	$388	$66
American Family	$445	$75
Travelers	$1686	$284
USAA	$1705	$287
Progressive	$3253	$548
State Farm	$3354	$565
Shelter	$3744	$630
Farm Bureau	$4551	$774
Allstate	$5912	$995
Nationwide	$7126	$1212
Farmers	$14539	$2423

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, Kemper is the cheapest car insurance provider. At $713 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 Farmers, offering rates of around $9026 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$713	$122
American Family	$760	$126
Nationwide	$880	$150
Travelers	$1418	$239
USAA	$1640	$279
Progressive	$2067	$348
Shelter	$2373	$399
Farm Bureau	$2947	$491
Allstate	$3457	$582
State Farm	$6256	$1042
Farmers	$9026	$1535

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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 $324 and $463, respectively. Farmers is an expensive provider with an average six-month premium of $6329.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$324	$55
Electric	$463	$80
American Family	$510	$84
Encompass	$593	$101
USAA	$844	$142
Travelers	$955	$161
Progressive	$1399	$236
State Farm	$1455	$245
Shelter	$1630	$275
Farm Bureau	$2260	$384
Nationwide	$3457	$576
Allstate	$4198	$707
Farmers	$6329	$1055

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 $1260 for a six month policy. While the rate increases by $435 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	$2493	$415
One Med/PIP claim	$2493	$424
Not-at-fault accident	$2566	$427
One comp claim	$2585	$440
Two Med/PIP claims	$2585	$431
Two comp claims	$2752	$468
Failure to wear a seat belt	$2827	$471
Failure to show documents	$2836	$482
Child safety restraint	$2881	$480
Driving without lights	$2881	$490
Driving with expired registration	$2900	$484
Cell phone violation	$2919	$496
Driving too slowly	$2919	$487
Following too closely	$2919	$496
Speeding in school zone	$2919	$487
Failure to yield	$2928	$498
Speeding 11 - 15 MPH over limit	$2928	$488
Speeding 16 - 20 MPH over limit	$2928	$498
Speeding 6 - 10 MPH over limit	$2928	$488
Texting while driving	$2928	$498
Illegal turn	$2937	$490
Wrong way/wrong lane	$2937	$499
Failure to stop at a red light	$2947	$491
Improper passing	$2947	$501
Speeding 21 - 25 MPH over limit	$2947	$491
In 65 MPH zone	$2966	$504
Passing school bus	$3020	$504
Open container	$3114	$529
Operating a vehicle without permission	$3187	$532
At-fault accident - less than $1000	$3448	$587
At-fault accident - $1000-$2000	$3641	$607
At-fault accident - greater than $2000	$3641	$619
Refusal to submit to a chemical test	$3688	$615
DUI	$3753	$638
Driving with a suspended license	$3836	$640
Racing	$3930	$668
Leaving scene of an accident/hit and run	$3984	$665
Reckless driving	$4031	$685

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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 $388 for a six-month policy. However, it can be as expensive as $8117 with companies like Farmers.

Dellwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$388	$66
American Family	$501	$83
Kemper	$621	$106
Travelers	$1002	$168
USAA	$1279	$215
Progressive	$1343	$226
Shelter	$1816	$306
State Farm	$1973	$332
Farm Bureau	$2131	$362
Allstate	$3438	$579
Nationwide	$4309	$733
Farmers	$8117	$1353

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 American Family at $501. However, it can be as expensive as $5635 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dellwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$501	$86
Travelers	$1037	$175
USAA	$1075	$183
Shelter	$1195	$201
State Farm	$1279	$215
Progressive	$1557	$262
Farm Bureau	$1806	$307
Allstate	$3123	$521
Farmers	$5635	$958

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 rose by $348 in January compared to $203 of December. In other words, there has been an increase by $145 when you compare January and December.

The average cost of liability insurance in the Dellwood rose to $87 in January, compared to $75 in December. This represents an increase of $12 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Dellwood?

The car insurance in Dellwood is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Dellwood?

The cheapest car insurance in Dellwood is $133 per month for full coverage.

How much is car insurance in Dellwood for teenagers?

Car insurance for teenagers costs $388 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 $1164 for a six-month policy. It will cost around $306 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: USAA

3rd place: Travelers

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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