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Finding the cheapest car insurance quotes in Half Way 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.
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 Half Way
The car insurance rate in Half Way is $952 for a six-month policy, which is $29 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $484, making it a popular choice for budget-conscious drivers. Rates in Half Way 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.
At $484 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 $611 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $680
for six months, making it
the third cheapest auto insurance company in Half Way.
Half Way Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Half Way, MO is American Family, offering policies at just $484 for a six-month term. This is followed by Travelers, which has an average six-month premium of $611.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1452 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Half Way drivers find the best deals.
Way's key takeaways about car insurance in Half Way
The auto insurance costs in Half Way fall around $484 for six
months.
The cheapest auto insurance company in Half Way is USAA.
Teen drivers pay the highest rate in Half Way at $738 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Half Way
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 Half Way are given below.
USAA provides
the cheapest minimum car insurance
coverage in Half Way. Their Average 6 Month Premium is $167.
Nationwide is the most
expensive at $582 for the same
period.
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 Half Way is American Family
at $82 per month and $484
for six months.
Cheapest Full Coverage Car Insurance Quotes in Half Way,
MO
Get Your Car Insurance Quote in Half Way
Instantly!
Average Car Insurance in Half Way 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 Half Way, MO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Half Way, 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, Half Way's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Half Way
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Half Way,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 Half Way at $41
per
month. At $4431 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Half Way.
As young drivers face the highest rates in Half Way, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Half Way,
Progressive is
the cheapest car insurance provider. At $351 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
Half Way is Allstate, offering
rates of around $565 for six
months.
Save up to $971/yr on car insurance rates in Half Way.
Car Insurance Rates with An Accident in Half Way
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 Half Way, MO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Half Way
The cheapest car insurance companies after an at-fault accident in
Half Way include Missouri Farm Bureau
and Electric, offering $202
and $288,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2334.
Here is a list of driving violations that can increase your car
insurance rates in Half Way MO. For example, the car
insurance in Half Way
after a DUI increases to $784 for a six
month policy. While the rate increases by $271 for a six-month policy in the case of
a speeding ticket.
Half Way auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1550
$258
One Med/PIP claim
$1550
$264
Not-at-fault accident
$1596
$266
One comp claim
$1607
$274
Two Med/PIP claims
$1607
$268
Two comp claims
$1711
$291
Failure to wear a seat belt
$1758
$293
Failure to show documents
$1763
$300
Child safety restraint
$1792
$299
Driving without lights
$1792
$305
Driving with expired registration
$1803
$301
Cell phone violation
$1815
$308
Driving too slowly
$1815
$303
Following too closely
$1815
$308
Speeding in school zone
$1815
$303
Failure to yield
$1821
$309
Speeding 11 - 15 MPH over limit
$1821
$304
Speeding 16 - 20 MPH over limit
$1821
$309
Speeding 6 - 10 MPH over limit
$1821
$304
Texting while driving
$1821
$309
Illegal turn
$1827
$305
Wrong way/wrong lane
$1827
$310
Failure to stop at a red light
$1832
$306
Improper passing
$1832
$311
Speeding 21 - 25 MPH over limit
$1832
$306
In 65 MPH zone
$1844
$313
Passing school bus
$1878
$313
Open container
$1936
$329
Operating a vehicle without permission
$1982
$331
At-fault accident - less than $1000
$2144
$365
At-fault accident - $1000-$2000
$2264
$377
At-fault accident - greater than $2000
$2264
$385
Refusal to submit to a chemical test
$2293
$382
DUI
$2334
$397
Driving with a suspended license
$2385
$398
Racing
$2443
$415
Leaving scene of an accident/hit and run
$2477
$413
Reckless driving
$2506
$426
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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 Half Way 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 Half Way.
The cheapest car insurance premiums in
Half Way are
offered by Missouri Farm Bureau at $242 for a six-month policy.
However, it can be as
expensive as $2679 with companies
like Nationwide.
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 Half Way are offered by Progressive
at $276. However,
it can be as expensive as $415
with companies like Shelter for a similar
six-month premium.
Cheapest Car Insurance in Half Way after Speeding ticket
Car insurance rates in Half Way have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Half Way remained steady at $126 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Half Way remained steady at $47 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Half Way by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Half Way. At $1903 for a
six-month policy, insuring
your car at 65663 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Half Way?
The car insurance in Half Way is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Half Way?
The cheapest car insurance in Half Way
is $82 per month
for full coverage.
How much is car insurance in Half Way for teenagers?
Car insurance for teenagers costs $242 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
Half Way?
The average cost of car insurance is $981 for a six-month
policy. It will cost around $160 per month to insure your
car in Half Way.
Is car insurance expensive in Half Way?
Car insurance can be expensive in Half Way if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Half Way can be
affordable.
What is the best car insurance in Half Way,
MO?
The best car insurance company in Half Way
MO is
American Family, offering $484 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Half Way, MO
Car Insurance Rates by State in the USA (2025 Update)
Half Way Car Insurance
