Cheapest Car Insurance Quotes in El Dorado Springs

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El Dorado Springs Car Insurance

^$ 30

/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 El Dorado Springs

The car insurance rate in El Dorado Springs is $1222 for a six-month policy, which is $58 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $524, making it a popular choice for budget-conscious drivers. Rates in El Dorado Springs 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 El Dorado Springs

$1222

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in El Dorado Springs

1st place: American Family

At $524 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 $705 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $723 for six months, making it the third cheapest auto insurance company in El Dorado Springs.

El Dorado Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in El Dorado Springs, MO is American Family, offering policies at just $524 for a six-month term. This is followed by USAA, which has an average six-month premium of $705.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2987 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help El Dorado Springs drivers find the best deals.

Cheap Car Insurance Companies in El Dorado Springs, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$524	$89
USAA	$705	$119
Travelers	$723	$122
Encompass	$986	$164
Shelter	$1016	$171
State Farm	$1110	$187
Electric	$1148	$195
Farm Bureau	$1179	$196
Missouri Farm Bureau	$1254	$213
Progressive	$1298	$218
Allstate	$1391	$234
Nationwide	$1572	$261
Farmers	$2987	$508

Key Takeaways

Way's key takeaways about car insurance in El Dorado Springs

The auto insurance costs in El Dorado Springs fall around $524 for six months.
The cheapest auto insurance company in El Dorado Springs is USAA.
Teen drivers pay the highest rate in El Dorado Springs at $1631 per month.

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Cheapest Minimum Liability Car Insurance in El Dorado Springs

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 El Dorado Springs are given below.

USAA provides the cheapest minimum car insurance coverage in El Dorado Springs. Their Average 6 Month Premium is $181. Farmers is the most expensive at $1073 for the same period.

Cheapest Liability Coverage in El Dorado Springs, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$181	$30
Missouri Farm Bureau	$200	$34
Electric	$256	$43
Travelers	$261	$44
Farm Bureau	$268	$45
American Family	$280	$47
Encompass	$293	$49
Progressive	$299	$50
Shelter	$368	$62
State Farm	$393	$66
Nationwide	$630	$105
Allstate	$655	$110
Farmers	$1073	$179

Cheapest Full Coverage Car Insurance in El Dorado Springs

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 El Dorado Springs is American Family at $89 per month and $524 for six months.

Cheapest Full Coverage Car Insurance Quotes in El Dorado Springs, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$524	$89
USAA	$705	$119
Travelers	$723	$122
Encompass	$986	$164
Shelter	$1016	$171
State Farm	$1110	$187
Electric	$1148	$195
Farm Bureau	$1179	$196
Missouri Farm Bureau	$1254	$213
Progressive	$1298	$218
Allstate	$1391	$234
Nationwide	$1572	$261
Farmers	$2987	$508

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Average Car Insurance in El Dorado Springs 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 El Dorado Springs, MO increasing?

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

Car Insurance Premiums by Age in El Dorado Springs

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 El Dorado Springs,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 El Dorado Springs at $44 per month. At $9786 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	$261	$44
American Family	$299	$50
Travelers	$1135	$191
USAA	$1148	$193
Progressive	$2189	$369
State Farm	$2258	$380
Shelter	$2520	$424
Farm Bureau	$3063	$521
Allstate	$3980	$670
Nationwide	$4796	$816
Farmers	$9786	$1631

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 El Dorado Springs, Kemper is the cheapest car insurance provider. At $480 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 El Dorado Springs is Farmers, offering rates of around $6075 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$480	$82
American Family	$511	$85
Nationwide	$592	$101
Travelers	$954	$161
USAA	$1104	$188
Progressive	$1391	$234
Shelter	$1597	$269
Farm Bureau	$1983	$331
Allstate	$2327	$392
State Farm	$4211	$701
Farmers	$6075	$1033

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Car Insurance Rates with An Accident in El Dorado Springs

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 El Dorado Springs, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in El Dorado Springs

The cheapest car insurance companies after an at-fault accident in El Dorado Springs include Missouri Farm Bureau and Electric, offering $218 and $312, respectively. Farmers is an expensive provider with an average six-month premium of $4260.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$218	$37
Electric	$312	$54
American Family	$343	$57
Encompass	$399	$68
USAA	$568	$96
Travelers	$643	$108
Progressive	$942	$159
State Farm	$980	$165
Shelter	$1097	$185
Farm Bureau	$1521	$258
Nationwide	$2327	$387
Allstate	$2826	$476
Farmers	$4260	$710

El Dorado Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in El Dorado Springs MO. For example, the car insurance in El Dorado Springs after a DUI increases to $848 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.

El Dorado Springs auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1678	$279
One Med/PIP claim	$1678	$286
Not-at-fault accident	$1727	$288
One comp claim	$1740	$296
Two Med/PIP claims	$1740	$290
Two comp claims	$1852	$315
Failure to wear a seat belt	$1903	$317
Failure to show documents	$1909	$324
Child safety restraint	$1939	$323
Driving without lights	$1939	$330
Driving with expired registration	$1952	$326
Cell phone violation	$1965	$334
Driving too slowly	$1965	$328
Following too closely	$1965	$334
Speeding in school zone	$1965	$328
Failure to yield	$1971	$335
Speeding 11 - 15 MPH over limit	$1971	$329
Speeding 16 - 20 MPH over limit	$1971	$335
Speeding 6 - 10 MPH over limit	$1971	$329
Texting while driving	$1971	$335
Illegal turn	$1977	$330
Wrong way/wrong lane	$1977	$336
Failure to stop at a red light	$1983	$331
Improper passing	$1983	$337
Speeding 21 - 25 MPH over limit	$1983	$331
In 65 MPH zone	$1996	$339
Passing school bus	$2033	$339
Open container	$2096	$356
Operating a vehicle without permission	$2145	$358
At-fault accident - less than $1000	$2321	$395
At-fault accident - $1000-$2000	$2451	$408
At-fault accident - greater than $2000	$2451	$417
Refusal to submit to a chemical test	$2482	$414
DUI	$2526	$429
Driving with a suspended license	$2582	$431
Racing	$2645	$449
Leaving scene of an accident/hit and run	$2682	$447
Reckless driving	$2713	$461

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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 El Dorado Springs 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 El Dorado Springs.

The cheapest car insurance premiums in El Dorado Springs are offered by Missouri Farm Bureau at $261 for a six-month policy. However, it can be as expensive as $5463 with companies like Farmers.

El Dorado Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$261	$44
American Family	$337	$56
Kemper	$418	$71
Travelers	$674	$113
USAA	$861	$145
Progressive	$904	$152
Shelter	$1222	$206
State Farm	$1328	$224
Farm Bureau	$1434	$244
Allstate	$2314	$390
Nationwide	$2900	$494
Farmers	$5463	$910

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 El Dorado Springs are offered by American Family at $337. However, it can be as expensive as $3793 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in El Dorado Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$337	$58
Travelers	$698	$118
USAA	$723	$123
Shelter	$804	$135
State Farm	$861	$145
Progressive	$1048	$176
Farm Bureau	$1216	$207
Allstate	$2102	$351
Farmers	$3793	$645

Car Insurance Price Trends in El Dorado Springs, Missouri

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

The average cost of full coverage in the El Dorado Springs rose by $234 in January compared to $137 of December. In other words, there has been an increase by $97 when you compare January and December.

The average cost of liability insurance in the El Dorado Springs rose to $59 in January, compared to $50 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in El Dorado Springs?

The car insurance in El Dorado Springs is $30 per month, which is lower than the national average.

What is the cheapest car insurance in El Dorado Springs?

The cheapest car insurance in El Dorado Springs is $89 per month for full coverage.

How much is car insurance in El Dorado Springs for teenagers?

Car insurance for teenagers costs $261 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 El Dorado Springs?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $206 per month to insure your car in El Dorado Springs.

Is car insurance expensive in El Dorado Springs?

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

Cheapest Car Insurance Quotes in El Dorado Springs

Why you can trust Way?

How Much Is Car Insurance in El Dorado Springs

Avg. Car Insurance in El Dorado Springs

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in El Dorado Springs

1st place: American Family

2nd place: USAA

3rd place: Travelers

El Dorado Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in El Dorado Springs, MO

Way's key takeaways about car insurance in El Dorado Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in El Dorado Springs

Cheapest Liability Coverage in El Dorado Springs, MO

Cheapest Full Coverage Car Insurance in El Dorado Springs

Cheapest Full Coverage Car Insurance Quotes in El Dorado Springs, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in El Dorado Springs by Rating Factor

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

Car Insurance Premiums by Age in El Dorado Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in El Dorado Springs,MO

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

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 El Dorado Springs

Cheapest Car Insurance Companies after an At-Fault Accident in El Dorado Springs

El Dorado Springs Car Insurance Rates by Violation

El Dorado Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in El Dorado Springs after a DUI

El Dorado Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in El Dorado Springs after Speeding ticket

Car Insurance Price Trends in El Dorado Springs, Missouri

Average Car Insurance Cost in El Dorado Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near El Dorado Springs, MO

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

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