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Finding the cheapest car insurance quotes in Dittmer 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 Dittmer
The car insurance rate in Dittmer is $1350 for a six-month policy, which is $186 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $579, making it a popular choice for budget-conscious drivers. Rates in Dittmer 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 $579 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 $778 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $799
for six months, making it
the third cheapest auto insurance company in Dittmer.
Dittmer Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Dittmer, MO is American Family, offering policies at just $579 for a six-month term. This is followed by USAA, which has an average six-month premium of $778.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3300 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dittmer drivers find the best deals.
Way's key takeaways about car insurance in Dittmer
The auto insurance costs in Dittmer fall around $579 for six
months.
The cheapest auto insurance company in Dittmer is USAA.
Teen drivers pay the highest rate in Dittmer at $1801 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 Dittmer
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 Dittmer are given below.
USAA provides
the cheapest minimum car insurance
coverage in Dittmer. Their Average 6 Month Premium is $200.
Farmers is the most
expensive at $1186 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 Dittmer is American Family
at $99 per month and $579
for six months.
Cheapest Full Coverage Car Insurance Quotes in Dittmer,
MO
Get Your Car Insurance Quote in Dittmer
Instantly!
Average Car Insurance in Dittmer 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 Dittmer, MO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Dittmer, 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, Dittmer's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Dittmer
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
Dittmer,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 Dittmer at $49
per
month. At $10811 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 Dittmer.
As young drivers face the highest rates in Dittmer, 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 Dittmer,
Kemper is
the cheapest car insurance provider. At $530 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
Dittmer is Farmers, offering
rates of around $6712 for six
months.
Save up to $971/yr on car insurance rates in Dittmer.
Car Insurance Rates with An Accident in Dittmer
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 Dittmer, MO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Dittmer
The cheapest car insurance companies after an at-fault accident in
Dittmer include Missouri Farm Bureau
and Electric, offering $241
and $345,
respectively. Farmers is an expensive provider
with an average six-month premium of
$4706.
Here is a list of driving violations that can increase your car
insurance rates in Dittmer MO. For example, the car
insurance in Dittmer
after a DUI increases to $937 for a six
month policy. While the rate increases by $323 for a six-month policy in the case of
a speeding ticket.
Dittmer auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1854
$309
One Med/PIP claim
$1854
$316
Not-at-fault accident
$1908
$318
One comp claim
$1922
$327
Two Med/PIP claims
$1922
$320
Two comp claims
$2046
$348
Failure to wear a seat belt
$2102
$350
Failure to show documents
$2109
$358
Child safety restraint
$2143
$357
Driving without lights
$2143
$364
Driving with expired registration
$2156
$360
Cell phone violation
$2170
$369
Driving too slowly
$2170
$362
Following too closely
$2170
$369
Speeding in school zone
$2170
$362
Failure to yield
$2177
$370
Speeding 11 - 15 MPH over limit
$2177
$363
Speeding 16 - 20 MPH over limit
$2177
$370
Speeding 6 - 10 MPH over limit
$2177
$363
Texting while driving
$2177
$370
Illegal turn
$2184
$364
Wrong way/wrong lane
$2184
$371
Failure to stop at a red light
$2191
$365
Improper passing
$2191
$372
Speeding 21 - 25 MPH over limit
$2191
$365
In 65 MPH zone
$2205
$375
Passing school bus
$2246
$375
Open container
$2315
$393
Operating a vehicle without permission
$2370
$396
At-fault accident - less than $1000
$2564
$436
At-fault accident - $1000-$2000
$2707
$451
At-fault accident - greater than $2000
$2707
$461
Refusal to submit to a chemical test
$2742
$457
DUI
$2791
$474
Driving with a suspended license
$2852
$476
Racing
$2922
$496
Leaving scene of an accident/hit and run
$2963
$494
Reckless driving
$2997
$509
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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 Dittmer 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 Dittmer.
The cheapest car insurance premiums in
Dittmer are
offered by Missouri Farm Bureau at $289 for a six-month policy.
However, it can be as
expensive as $6035 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 Dittmer are offered by American Family
at $372. However,
it can be as expensive as $4190
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Dittmer after Speeding ticket
Car insurance rates in Dittmer have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Dittmer rose by
$259 in January
compared to $151 of December. In other words, there has been an increase by $108 when you
compare January and December.
The average cost of liability insurance in the Dittmer rose to $65 in January,
compared to $56 in December.
This represents an increase of $9
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Dittmer. At $2700 for a
six-month policy, insuring
your car at 63023 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 Dittmer?
The car insurance in Dittmer is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Dittmer?
The cheapest car insurance in Dittmer
is $99 per month
for full coverage.
How much is car insurance in Dittmer for teenagers?
Car insurance for teenagers costs $289 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
Dittmer?
The average cost of car insurance is $1164 for a six-month
policy. It will cost around $227 per month to insure your
car in Dittmer.
Is car insurance expensive in Dittmer?
Car insurance can be expensive in Dittmer if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Dittmer can be
affordable.
What is the best car insurance in Dittmer,
MO?
The best car insurance company in Dittmer
MO is
American Family, offering $579 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Dittmer, MO
Car Insurance Rates by State in the USA (2025 Update)
Dittmer Car Insurance
