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Cheapest Car Insurance Quotes in Edmundson

  • Finding the cheapest car insurance quotes in Edmundson 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.
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401,895 Policies Sold
Edmundson Car Insurance
$ 36

/mo

Sara Sam
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.

How Much Is Car Insurance in Edmundson

The car insurance rate in Edmundson is $1207 for a six-month policy, which is $226 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $614, making it a popular choice for budget-conscious drivers. Rates in Edmundson 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 Edmundson

$1207

National Average

$1140

Cheapest Car Insurance Companies in Edmundson

1st place: American Family

At $614 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 $775 for a six-month policy, making it one of the cheapest to insure with. 

3rd place: USAA

USAA offers auto insurance rates at $862 for six months, making it the third cheapest auto insurance company in Edmundson.

Edmundson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Edmundson, MO is American Family, offering policies at just $614 for a six-month term. This is followed by Travelers, which has an average six-month premium of $775.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1841 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Edmundson drivers find the best deals.

Cheap Car Insurance Companies in Edmundson, MO

Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $614 $105
Travelers $775 $130
USAA $862 $145
Shelter $1148 $193
Encompass $1155 $197
State Farm $1220 $205
Electric $1344 $229
Allstate $1389 $234
Progressive $1461 $246
Missouri Farm Bureau $1469 $245
Nationwide $1841 $314
Key Takeaways

Way's key takeaways about car insurance in Edmundson

  • The auto insurance costs in Edmundson fall around $614 for six months. 
  • The cheapest auto insurance company in Edmundson is USAA.
  • Teen drivers pay the highest rate in Edmundson at $936 per month.

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Cheapest Minimum Liability Car Insurance in Edmundson

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 Edmundson are given below. 

USAA provides the cheapest minimum car insurance coverage in Edmundson. Their Average 6 Month Premium is $212. Nationwide is the most expensive at $738 for the same period. 

Cheapest Liability Coverage in Edmundson, MO

Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $212 $36
Missouri Farm Bureau $234 $39
Travelers $285 $48
Electric $300 $50
Progressive $321 $54
American Family $328 $55
Encompass $343 $58
Shelter $410 $69
State Farm $438 $74
Allstate $658 $112
Nationwide $738 $123

Cheapest Full Coverage Car Insurance in Edmundson

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 Edmundson is American Family at $105 per month and $614 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Edmundson, MO

Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $614 $105
Travelers $775 $130
USAA $862 $145
Shelter $1148 $193
Encompass $1155 $197
State Farm $1220 $205
Electric $1344 $229
Allstate $1389 $234
Progressive $1461 $246
Missouri Farm Bureau $1469 $245
Nationwide $1841 $314

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Average Car Insurance in Edmundson 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 Edmundson, MO increasing?

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

Cheapest Car Insurance Rates for Teen Drivers in Edmundson,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 Edmundson at $52 per month. At $5619 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 $306 $52
American Family $351 $59
Travelers $840 $141
USAA $1293 $218
Progressive $1886 $317
State Farm $2112 $355
Shelter $2492 $416
Allstate $5020 $854
Nationwide $5619 $936

Teen Car Insurance Rates in MO by Age

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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 Edmundson, Progressive is the cheapest car insurance provider. At $445 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 Edmundson is Allstate, offering rates of around $716 for six months. 

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Progressive $445 $76
Travelers $460 $76
Kemper $562 $96
American Family $599 $100
Shelter $629 $107
Nationwide $694 $116
Allstate $716 $122

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Car Insurance Rates with An Accident in Edmundson

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

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

The cheapest car insurance companies after an at-fault accident in Edmundson include Missouri Farm Bureau and Electric, offering $256 and $365, respectively. Allstate is an expensive provider with an average six-month premium of $2959.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Missouri Farm Bureau $256 $43
Electric $365 $63
American Family $402 $66
Encompass $467 $80
Travelers $555 $93
USAA $569 $96
Progressive $796 $134
State Farm $964 $162
Shelter $1081 $182
Nationwide $2726 $464
Allstate $2959 $493

Edmundson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Edmundson MO. For example, the car insurance in Edmundson after a DUI increases to $993 for a six month policy. While the rate increases by $343 for a six-month policy in the case of a speeding ticket.  

Edmundson auto insurance quotes by violations

Accident/Violation Avg. 6 Mo Premium Avg. Monthly Premium
None $1966 $327
One Med/PIP claim $1966 $335
Not-at-fault accident $2023 $337
One comp claim $2038 $347
Two Med/PIP claims $2038 $339
Two comp claims $2170 $369
Failure to wear a seat belt $2229 $371
Failure to show documents $2236 $380
Child safety restraint $2272 $379
Driving without lights $2272 $386
Driving with expired registration $2287 $381
Cell phone violation $2301 $391
Driving too slowly $2301 $384
Following too closely $2301 $391
Speeding in school zone $2301 $384
Failure to yield $2309 $392
Speeding 11 - 15 MPH over limit $2309 $385
Speeding 16 - 20 MPH over limit $2309 $392
Speeding 6 - 10 MPH over limit $2309 $385
Texting while driving $2309 $392
Illegal turn $2316 $386
Wrong way/wrong lane $2316 $394
Failure to stop at a red light $2323 $387
Improper passing $2323 $395
Speeding 21 - 25 MPH over limit $2323 $387
In 65 MPH zone $2338 $397
Passing school bus $2381 $397
Open container $2455 $417
Operating a vehicle without permission $2513 $419
At-fault accident - less than $1000 $2718 $462
At-fault accident - $1000-$2000 $2871 $478
At-fault accident - greater than $2000 $2871 $488
Refusal to submit to a chemical test $2908 $485
DUI $2959 $503
Driving with a suspended license $3025 $504
Racing $3098 $526
Leaving scene of an accident/hit and run $3141 $524
Reckless driving $3178 $540

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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 Edmundson 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 Edmundson.

The cheapest car insurance premiums in Edmundson are offered by Missouri Farm Bureau at $306 for a six-month policy. However, it can be as expensive as $3397 with companies like Nationwide.

Edmundson car insurance quotes with a DUI

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Missouri Farm Bureau $306 $52
American Family $395 $65
Kemper $490 $84
Travelers $592 $100
Progressive $731 $123
USAA $907 $153
State Farm $1023 $172
Shelter $1191 $200
Allstate $2572 $438
Nationwide $3397 $566

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 Edmundson are offered by Progressive at $351. However, it can be as expensive as $526 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Edmundson after Speeding ticket

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Progressive $351 $59
Travelers $373 $62
American Family $395 $68
State Farm $438 $73
Shelter $526 $90

Car Insurance Price Trends in Edmundson, Missouri

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

The average cost of full coverage in the Edmundson remained steady at $160 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Edmundson remained steady at $59 in both January and December, indicating no change over the two month period.


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Frequently Asked Questions

How much is car insurance in Edmundson?

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The car insurance in Edmundson is $36 per month, which is lower than the national average.

What is the cheapest car insurance in Edmundson?

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The cheapest car insurance in Edmundson is $105 per month for full coverage.

How much is car insurance in Edmundson for teenagers?

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Car insurance for teenagers costs $306 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 Edmundson?

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The average cost of car insurance is $981 for a six-month policy. It will cost around $203 per month to insure your car in Edmundson.

Is car insurance expensive in Edmundson?

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

What is the best car insurance in Edmundson, MO?

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The best car insurance company in Edmundson MO is American Family, offering $614 for a six-month policy.

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