Cheapest Car Insurance Quotes in Ferguson

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Ferguson Car Insurance

^$ 42

/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 Ferguson

The car insurance rate in Ferguson is $1688 for a six-month policy, which is $524 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $724, making it a popular choice for budget-conscious drivers. Rates in Ferguson 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 Ferguson

$1688

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Ferguson

1st place: American Family

At $724 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 $973 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $999 for six months, making it the third cheapest auto insurance company in Ferguson.

Ferguson Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ferguson, MO is American Family, offering policies at just $724 for a six-month term. This is followed by USAA, which has an average six-month premium of $973.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $4125 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ferguson drivers find the best deals.

Cheap Car Insurance Companies in Ferguson, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$724	$123
USAA	$973	$164
Travelers	$999	$168
Encompass	$1362	$226
Shelter	$1404	$236
State Farm	$1533	$258
Electric	$1585	$270
Farm Bureau	$1628	$271
Missouri Farm Bureau	$1731	$294
Progressive	$1792	$302
Allstate	$1921	$323
Nationwide	$2171	$361
Farmers	$4125	$702

Key Takeaways

Way's key takeaways about car insurance in Ferguson

The auto insurance costs in Ferguson fall around $724 for six months.
The cheapest auto insurance company in Ferguson is USAA.
Teen drivers pay the highest rate in Ferguson at $2252 per month.

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Cheapest Minimum Liability Car Insurance in Ferguson

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 Ferguson are given below.

USAA provides the cheapest minimum car insurance coverage in Ferguson. Their Average 6 Month Premium is $249. Farmers is the most expensive at $1482 for the same period.

Cheapest Liability Coverage in Ferguson, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$249	$42
Missouri Farm Bureau	$276	$46
Electric	$354	$59
Travelers	$361	$61
Farm Bureau	$370	$62
American Family	$387	$65
Encompass	$405	$68
Progressive	$413	$70
Shelter	$508	$86
State Farm	$542	$91
Nationwide	$870	$145
Allstate	$905	$152
Farmers	$1482	$247

Cheapest Full Coverage Car Insurance in Ferguson

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 Ferguson is American Family at $123 per month and $724 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ferguson, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$724	$123
USAA	$973	$164
Travelers	$999	$168
Encompass	$1362	$226
Shelter	$1404	$236
State Farm	$1533	$258
Electric	$1585	$270
Farm Bureau	$1628	$271
Missouri Farm Bureau	$1731	$294
Progressive	$1792	$302
Allstate	$1921	$323
Nationwide	$2171	$361
Farmers	$4125	$702

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Average Car Insurance in Ferguson 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 Ferguson, MO increasing?

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

Car Insurance Premiums by Age in Ferguson

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 Ferguson,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 Ferguson at $61 per month. At $13514 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	$361	$61
American Family	$413	$70
Travelers	$1567	$264
USAA	$1585	$267
Progressive	$3023	$509
State Farm	$3118	$525
Shelter	$3480	$586
Farm Bureau	$4230	$719
Allstate	$5496	$925
Nationwide	$6624	$1127
Farmers	$13514	$2252

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 Ferguson, Kemper is the cheapest car insurance provider. At $663 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 Ferguson is Farmers, offering rates of around $8390 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$663	$113
American Family	$706	$117
Nationwide	$818	$139
Travelers	$1318	$222
USAA	$1524	$260
Progressive	$1921	$323
Shelter	$2205	$371
Farm Bureau	$2739	$457
Allstate	$3213	$541
State Farm	$5815	$969
Farmers	$8390	$1427

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Car Insurance Rates with An Accident in Ferguson

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

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

The cheapest car insurance companies after an at-fault accident in Ferguson include Missouri Farm Bureau and Electric, offering $302 and $431, respectively. Farmers is an expensive provider with an average six-month premium of $5883.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$302	$51
Electric	$431	$74
American Family	$474	$78
Encompass	$551	$94
USAA	$784	$132
Travelers	$887	$149
Progressive	$1301	$219
State Farm	$1353	$228
Shelter	$1515	$255
Farm Bureau	$2101	$357
Nationwide	$3213	$535
Allstate	$3902	$657
Farmers	$5883	$980

Ferguson Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ferguson MO. For example, the car insurance in Ferguson after a DUI increases to $1172 for a six month policy. While the rate increases by $405 for a six-month policy in the case of a speeding ticket.

Ferguson auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2317	$386
One Med/PIP claim	$2317	$394
Not-at-fault accident	$2385	$397
One comp claim	$2403	$409
Two Med/PIP claims	$2403	$400
Two comp claims	$2558	$435
Failure to wear a seat belt	$2627	$438
Failure to show documents	$2636	$448
Child safety restraint	$2678	$447
Driving without lights	$2678	$455
Driving with expired registration	$2696	$450
Cell phone violation	$2713	$461
Driving too slowly	$2713	$452
Following too closely	$2713	$461
Speeding in school zone	$2713	$452
Failure to yield	$2722	$463
Speeding 11 - 15 MPH over limit	$2722	$454
Speeding 16 - 20 MPH over limit	$2722	$463
Speeding 6 - 10 MPH over limit	$2722	$454
Texting while driving	$2722	$463
Illegal turn	$2730	$455
Wrong way/wrong lane	$2730	$464
Failure to stop at a red light	$2739	$457
Improper passing	$2739	$465
Speeding 21 - 25 MPH over limit	$2739	$457
In 65 MPH zone	$2756	$468
Passing school bus	$2807	$468
Open container	$2894	$492
Operating a vehicle without permission	$2962	$494
At-fault accident - less than $1000	$3205	$545
At-fault accident - $1000-$2000	$3384	$564
At-fault accident - greater than $2000	$3384	$576
Refusal to submit to a chemical test	$3428	$571
DUI	$3489	$593
Driving with a suspended license	$3566	$595
Racing	$3653	$621
Leaving scene of an accident/hit and run	$3703	$618
Reckless driving	$3747	$637

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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 Ferguson 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 Ferguson.

The cheapest car insurance premiums in Ferguson are offered by Missouri Farm Bureau at $361 for a six-month policy. However, it can be as expensive as $7544 with companies like Farmers.

Ferguson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$361	$61
American Family	$465	$77
Kemper	$577	$99
Travelers	$931	$157
USAA	$1189	$200
Progressive	$1248	$210
Shelter	$1688	$284
State Farm	$1834	$309
Farm Bureau	$1981	$336
Allstate	$3196	$538
Nationwide	$4005	$682
Farmers	$7544	$1257

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 Ferguson are offered by American Family at $465. However, it can be as expensive as $5237 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ferguson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$465	$80
Travelers	$964	$162
USAA	$999	$170
Shelter	$1111	$187
State Farm	$1189	$200
Progressive	$1447	$244
Farm Bureau	$1679	$286
Allstate	$2903	$484
Farmers	$5237	$890

Car Insurance Price Trends in Ferguson, Missouri

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

The average cost of full coverage in the Ferguson rose by $323 in January compared to $189 of December. In other words, there has been an increase by $134 when you compare January and December.

The average cost of liability insurance in the Ferguson rose to $81 in January, compared to $70 in December. This represents an increase of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ferguson?

The car insurance in Ferguson is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Ferguson?

The cheapest car insurance in Ferguson is $123 per month for full coverage.

How much is car insurance in Ferguson for teenagers?

Car insurance for teenagers costs $361 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 Ferguson?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $284 per month to insure your car in Ferguson.

Is car insurance expensive in Ferguson?

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

Cheapest Car Insurance Quotes in Ferguson

Why you can trust Way?

How Much Is Car Insurance in Ferguson

Avg. Car Insurance in Ferguson

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Ferguson

1st place: American Family

2nd place: USAA

3rd place: Travelers

Ferguson Car Insurance Rates by Company

Cheap Car Insurance Companies in Ferguson, MO

Way's key takeaways about car insurance in Ferguson

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ferguson

Cheapest Liability Coverage in Ferguson, MO

Cheapest Full Coverage Car Insurance in Ferguson

Cheapest Full Coverage Car Insurance Quotes in Ferguson, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ferguson by Rating Factor

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

Car Insurance Premiums by Age in Ferguson

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ferguson,MO

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

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 Ferguson

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

Ferguson Car Insurance Rates by Violation

Ferguson auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ferguson after a DUI

Ferguson car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ferguson after Speeding ticket

Car Insurance Price Trends in Ferguson, Missouri

Average Car Insurance Cost in Ferguson by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ferguson, MO

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