Cheapest Car Insurance Quotes in Ferguson

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Ferguson Car Insurance

^$ 40

/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 $1354 for a six-month policy, which is $373 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $689, 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

$1354

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Ferguson

1st place: American Family

At $689 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 $869 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $967 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 $689 for a six-month term. This is followed by Travelers, which has an average six-month premium of $869.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $2066 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	$689	$117
Travelers	$869	$146
USAA	$967	$163
Shelter	$1288	$217
Encompass	$1296	$221
State Farm	$1369	$230
Electric	$1508	$257
Allstate	$1558	$262
Progressive	$1639	$276
Missouri Farm Bureau	$1648	$275
Nationwide	$2066	$352

Key Takeaways

Way's key takeaways about car insurance in Ferguson

The auto insurance costs in Ferguson fall around $689 for six months.
The cheapest auto insurance company in Ferguson is USAA.
Teen drivers pay the highest rate in Ferguson at $1050 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 $237. Nationwide is the most expensive at $828 for the same period.

Cheapest Liability Coverage in Ferguson, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$237	$40
Missouri Farm Bureau	$262	$44
Travelers	$320	$54
Electric	$337	$57
Progressive	$360	$61
American Family	$368	$62
Encompass	$385	$65
Shelter	$460	$77
State Farm	$491	$83
Allstate	$738	$126
Nationwide	$828	$138

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 $117 per month and $689 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ferguson, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$689	$117
Travelers	$869	$146
USAA	$967	$163
Shelter	$1288	$217
Encompass	$1296	$221
State Farm	$1369	$230
Electric	$1508	$257
Allstate	$1558	$262
Progressive	$1639	$276
Missouri Farm Bureau	$1648	$275
Nationwide	$2066	$352

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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 $58 per month. At $6304 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	$344	$58
American Family	$393	$66
Travelers	$943	$159
USAA	$1450	$244
Progressive	$2116	$356
State Farm	$2369	$399
Shelter	$2796	$466
Allstate	$5632	$958
Nationwide	$6304	$1050

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, Progressive is the cheapest car insurance provider. At $500 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 Allstate, offering rates of around $803 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$500	$86
Travelers	$516	$86
Kemper	$631	$108
American Family	$672	$112
Shelter	$705	$120
Nationwide	$778	$130
Allstate	$803	$137

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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 $287 and $410, respectively. Allstate is an expensive provider with an average six-month premium of $3320.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$287	$48
Electric	$410	$70
American Family	$451	$75
Encompass	$524	$90
Travelers	$622	$105
USAA	$639	$108
Progressive	$893	$150
State Farm	$1082	$182
Shelter	$1213	$204
Nationwide	$3058	$520
Allstate	$3320	$553

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 $1115 for a six month policy. While the rate increases by $385 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	$2205	$367
One Med/PIP claim	$2205	$375
Not-at-fault accident	$2270	$378
One comp claim	$2287	$389
Two Med/PIP claims	$2287	$381
Two comp claims	$2434	$414
Failure to wear a seat belt	$2501	$417
Failure to show documents	$2509	$426
Child safety restraint	$2549	$425
Driving without lights	$2549	$433
Driving with expired registration	$2565	$428
Cell phone violation	$2582	$439
Driving too slowly	$2582	$431
Following too closely	$2582	$439
Speeding in school zone	$2582	$431
Failure to yield	$2590	$440
Speeding 11 - 15 MPH over limit	$2590	$432
Speeding 16 - 20 MPH over limit	$2590	$440
Speeding 6 - 10 MPH over limit	$2590	$432
Texting while driving	$2590	$440
Illegal turn	$2599	$433
Wrong way/wrong lane	$2599	$442
Failure to stop at a red light	$2607	$435
Improper passing	$2607	$443
Speeding 21 - 25 MPH over limit	$2607	$435
In 65 MPH zone	$2623	$446
Passing school bus	$2672	$446
Open container	$2754	$468
Operating a vehicle without permission	$2819	$471
At-fault accident - less than $1000	$3050	$519
At-fault accident - $1000-$2000	$3221	$537
At-fault accident - greater than $2000	$3221	$548
Refusal to submit to a chemical test	$3262	$544
DUI	$3320	$564
Driving with a suspended license	$3393	$566
Racing	$3476	$591
Leaving scene of an accident/hit and run	$3525	$588
Reckless driving	$3566	$606

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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 $344 for a six-month policy. However, it can be as expensive as $3812 with companies like Nationwide.

Ferguson car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$344	$58
American Family	$443	$73
Kemper	$549	$94
Travelers	$664	$112
Progressive	$820	$138
USAA	$1017	$171
State Farm	$1148	$193
Shelter	$1336	$225
Allstate	$2886	$491
Nationwide	$3812	$635

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 Progressive at $393. However, it can be as expensive as $591 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Ferguson after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$393	$66
Travelers	$418	$69
American Family	$443	$76
State Farm	$491	$81
Shelter	$591	$101

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 remained steady at $179 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Ferguson remained steady at $66 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 Ferguson?

The car insurance in Ferguson is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Ferguson?

The cheapest car insurance in Ferguson is $117 per month for full coverage.

How much is car insurance in Ferguson for teenagers?

Car insurance for teenagers costs $344 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 $981 for a six-month policy. It will cost around $228 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: Travelers

3rd place: USAA

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

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

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