Cheapest Car Insurance Quotes in Fenton

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Fenton 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 Fenton

The car insurance rate in Fenton is $1020 for a six-month policy, which is $39 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $519, making it a popular choice for budget-conscious drivers. Rates in Fenton 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 Fenton

$1020

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Fenton

1st place: American Family

At $519 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 $655 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $729 for six months, making it the third cheapest auto insurance company in Fenton.

Fenton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fenton, MO is American Family, offering policies at just $519 for a six-month term. This is followed by Travelers, which has an average six-month premium of $655.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1557 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fenton drivers find the best deals.

Cheap Car Insurance Companies in Fenton, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$519	$88
Travelers	$655	$110
USAA	$729	$123
Shelter	$970	$163
Encompass	$977	$166
State Farm	$1032	$174
Electric	$1137	$193
Allstate	$1174	$198
Progressive	$1236	$208
Missouri Farm Bureau	$1242	$207
Nationwide	$1557	$265

Key Takeaways

Way's key takeaways about car insurance in Fenton

The auto insurance costs in Fenton fall around $519 for six months.
The cheapest auto insurance company in Fenton is USAA.
Teen drivers pay the highest rate in Fenton at $791 per month.

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Cheapest Minimum Liability Car Insurance in Fenton

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 Fenton are given below.

USAA provides the cheapest minimum car insurance coverage in Fenton. Their Average 6 Month Premium is $179. Nationwide is the most expensive at $624 for the same period.

Cheapest Liability Coverage in Fenton, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$179	$30
Missouri Farm Bureau	$198	$33
Travelers	$241	$41
Electric	$254	$43
Progressive	$271	$46
American Family	$278	$47
Encompass	$290	$49
Shelter	$346	$58
State Farm	$370	$62
Allstate	$556	$95
Nationwide	$624	$104

Cheapest Full Coverage Car Insurance in Fenton

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 Fenton is American Family at $88 per month and $519 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fenton, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$519	$88
Travelers	$655	$110
USAA	$729	$123
Shelter	$970	$163
Encompass	$977	$166
State Farm	$1032	$174
Electric	$1137	$193
Allstate	$1174	$198
Progressive	$1236	$208
Missouri Farm Bureau	$1242	$207
Nationwide	$1557	$265

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Average Car Insurance in Fenton 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 Fenton, MO increasing?

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

Car Insurance Premiums by Age in Fenton

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 Fenton,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 Fenton at $44 per month. At $4751 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	$259	$44
American Family	$296	$50
Travelers	$710	$120
USAA	$1093	$184
Progressive	$1594	$268
State Farm	$1786	$301
Shelter	$2107	$352
Allstate	$4244	$722
Nationwide	$4751	$791

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 Fenton, Progressive is the cheapest car insurance provider. At $376 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 Fenton is Allstate, offering rates of around $605 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$376	$64
Travelers	$389	$64
Kemper	$475	$81
American Family	$506	$84
Shelter	$531	$90
Nationwide	$587	$98
Allstate	$605	$103

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Car Insurance Rates with An Accident in Fenton

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

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

The cheapest car insurance companies after an at-fault accident in Fenton include Missouri Farm Bureau and Electric, offering $216 and $309, respectively. Allstate is an expensive provider with an average six-month premium of $2502.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$216	$36
Electric	$309	$53
American Family	$340	$56
Encompass	$395	$68
Travelers	$469	$79
USAA	$482	$81
Progressive	$673	$113
State Farm	$815	$137
Shelter	$914	$154
Nationwide	$2305	$392
Allstate	$2502	$417

Fenton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fenton MO. For example, the car insurance in Fenton after a DUI increases to $840 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Fenton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1662	$277
One Med/PIP claim	$1662	$283
Not-at-fault accident	$1711	$285
One comp claim	$1723	$293
Two Med/PIP claims	$1723	$287
Two comp claims	$1835	$312
Failure to wear a seat belt	$1884	$314
Failure to show documents	$1891	$321
Child safety restraint	$1921	$320
Driving without lights	$1921	$327
Driving with expired registration	$1933	$322
Cell phone violation	$1946	$331
Driving too slowly	$1946	$324
Following too closely	$1946	$331
Speeding in school zone	$1946	$324
Failure to yield	$1952	$332
Speeding 11 - 15 MPH over limit	$1952	$326
Speeding 16 - 20 MPH over limit	$1952	$332
Speeding 6 - 10 MPH over limit	$1952	$326
Texting while driving	$1952	$332
Illegal turn	$1958	$327
Wrong way/wrong lane	$1958	$333
Failure to stop at a red light	$1965	$328
Improper passing	$1965	$334
Speeding 21 - 25 MPH over limit	$1965	$328
In 65 MPH zone	$1977	$336
Passing school bus	$2013	$336
Open container	$2076	$353
Operating a vehicle without permission	$2125	$355
At-fault accident - less than $1000	$2298	$391
At-fault accident - $1000-$2000	$2427	$405
At-fault accident - greater than $2000	$2427	$413
Refusal to submit to a chemical test	$2459	$410
DUI	$2502	$425
Driving with a suspended license	$2557	$426
Racing	$2620	$445
Leaving scene of an accident/hit and run	$2656	$443
Reckless driving	$2687	$457

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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 Fenton 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 Fenton.

The cheapest car insurance premiums in Fenton are offered by Missouri Farm Bureau at $259 for a six-month policy. However, it can be as expensive as $2872 with companies like Nationwide.

Fenton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$259	$44
American Family	$334	$55
Kemper	$414	$71
Travelers	$500	$84
Progressive	$618	$104
USAA	$766	$129
State Farm	$865	$146
Shelter	$1007	$170
Allstate	$2175	$370
Nationwide	$2872	$478

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 Fenton are offered by Progressive at $296. However, it can be as expensive as $445 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Fenton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$296	$50
Travelers	$315	$52
American Family	$334	$57
State Farm	$370	$61
Shelter	$445	$76

Car Insurance Price Trends in Fenton, Missouri

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

The average cost of full coverage in the Fenton remained steady at $135 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Fenton remained steady at $50 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 Fenton?

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

What is the cheapest car insurance in Fenton?

The cheapest car insurance in Fenton is $88 per month for full coverage.

How much is car insurance in Fenton for teenagers?

Car insurance for teenagers costs $259 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 Fenton?

The average cost of car insurance is $981 for a six-month policy. It will cost around $172 per month to insure your car in Fenton.

Is car insurance expensive in Fenton?

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

Cheapest Car Insurance Quotes in Fenton

Why you can trust Way?

How Much Is Car Insurance in Fenton

Avg. Car Insurance in Fenton

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Fenton

1st place: American Family

2nd place: Travelers

3rd place: USAA

Fenton Car Insurance Rates by Company

Cheap Car Insurance Companies in Fenton, MO

Way's key takeaways about car insurance in Fenton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fenton

Cheapest Liability Coverage in Fenton, MO

Cheapest Full Coverage Car Insurance in Fenton

Cheapest Full Coverage Car Insurance Quotes in Fenton, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fenton by Rating Factor

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

Car Insurance Premiums by Age in Fenton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fenton,MO

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

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 Fenton

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

Fenton Car Insurance Rates by Violation

Fenton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fenton after a DUI

Fenton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fenton after Speeding ticket

Car Insurance Price Trends in Fenton, Missouri

Average Car Insurance Cost in Fenton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fenton, MO

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

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