Cheapest Car Insurance Quotes in Hanley Hills

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Hanley Hills Car Insurance

^$ 39

/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 Hanley Hills

The car insurance rate in Hanley Hills is $1571 for a six-month policy, which is $407 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $674, making it a popular choice for budget-conscious drivers. Rates in Hanley Hills 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 Hanley Hills

$1571

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Hanley Hills

1st place: American Family

At $674 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 $906 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $930 for six months, making it the third cheapest auto insurance company in Hanley Hills.

Hanley Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hanley Hills, MO is American Family, offering policies at just $674 for a six-month term. This is followed by USAA, which has an average six-month premium of $906.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3841 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hanley Hills drivers find the best deals.

Cheap Car Insurance Companies in Hanley Hills, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$674	$115
USAA	$906	$153
Travelers	$930	$157
Encompass	$1268	$211
Shelter	$1307	$220
State Farm	$1427	$240
Electric	$1476	$251
Farm Bureau	$1516	$252
Missouri Farm Bureau	$1612	$274
Progressive	$1669	$281
Allstate	$1789	$301
Nationwide	$2021	$336
Farmers	$3841	$653

Key Takeaways

Way's key takeaways about car insurance in Hanley Hills

The auto insurance costs in Hanley Hills fall around $674 for six months.
The cheapest auto insurance company in Hanley Hills is USAA.
Teen drivers pay the highest rate in Hanley Hills at $2097 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Hanley Hills

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 Hanley Hills are given below.

USAA provides the cheapest minimum car insurance coverage in Hanley Hills. Their Average 6 Month Premium is $232. Farmers is the most expensive at $1380 for the same period.

Cheapest Liability Coverage in Hanley Hills, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$232	$39
Missouri Farm Bureau	$257	$43
Electric	$329	$55
Travelers	$336	$57
Farm Bureau	$344	$58
American Family	$360	$61
Encompass	$377	$63
Progressive	$385	$65
Shelter	$473	$80
State Farm	$505	$85
Nationwide	$810	$135
Allstate	$842	$142
Farmers	$1380	$230

Cheapest Full Coverage Car Insurance in Hanley Hills

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 Hanley Hills is American Family at $115 per month and $674 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hanley Hills, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$674	$115
USAA	$906	$153
Travelers	$930	$157
Encompass	$1268	$211
Shelter	$1307	$220
State Farm	$1427	$240
Electric	$1476	$251
Farm Bureau	$1516	$252
Missouri Farm Bureau	$1612	$274
Progressive	$1669	$281
Allstate	$1789	$301
Nationwide	$2021	$336
Farmers	$3841	$653

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Average Car Insurance in Hanley Hills 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 Hanley Hills, MO increasing?

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

Car Insurance Premiums by Age in Hanley Hills

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 Hanley Hills,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 Hanley Hills at $57 per month. At $12582 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	$336	$57
American Family	$385	$65
Travelers	$1459	$246
USAA	$1476	$248
Progressive	$2815	$474
State Farm	$2903	$489
Shelter	$3240	$545
Farm Bureau	$3938	$670
Allstate	$5117	$861
Nationwide	$6167	$1049
Farmers	$12582	$2097

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 Hanley Hills, Kemper is the cheapest car insurance provider. At $617 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 Hanley Hills is Farmers, offering rates of around $7811 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$617	$105
American Family	$657	$109
Nationwide	$761	$130
Travelers	$1227	$207
USAA	$1419	$242
Progressive	$1789	$301
Shelter	$2053	$346
Farm Bureau	$2550	$425
Allstate	$2992	$504
State Farm	$5414	$902
Farmers	$7811	$1328

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Car Insurance Rates with An Accident in Hanley Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Hanley Hills

The cheapest car insurance companies after an at-fault accident in Hanley Hills include Missouri Farm Bureau and Electric, offering $281 and $401, respectively. Farmers is an expensive provider with an average six-month premium of $5477.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$281	$47
Electric	$401	$69
American Family	$441	$73
Encompass	$513	$88
USAA	$730	$123
Travelers	$826	$139
Progressive	$1211	$204
State Farm	$1260	$212
Shelter	$1411	$238
Farm Bureau	$1956	$332
Nationwide	$2992	$498
Allstate	$3633	$612
Farmers	$5477	$913

Hanley Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hanley Hills MO. For example, the car insurance in Hanley Hills after a DUI increases to $1091 for a six month policy. While the rate increases by $377 for a six-month policy in the case of a speeding ticket.

Hanley Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2157	$359
One Med/PIP claim	$2157	$367
Not-at-fault accident	$2221	$370
One comp claim	$2237	$381
Two Med/PIP claims	$2237	$373
Two comp claims	$2381	$405
Failure to wear a seat belt	$2446	$408
Failure to show documents	$2454	$417
Child safety restraint	$2493	$416
Driving without lights	$2493	$424
Driving with expired registration	$2510	$419
Cell phone violation	$2526	$429
Driving too slowly	$2526	$421
Following too closely	$2526	$429
Speeding in school zone	$2526	$421
Failure to yield	$2534	$431
Speeding 11 - 15 MPH over limit	$2534	$423
Speeding 16 - 20 MPH over limit	$2534	$431
Speeding 6 - 10 MPH over limit	$2534	$423
Texting while driving	$2534	$431
Illegal turn	$2542	$424
Wrong way/wrong lane	$2542	$432
Failure to stop at a red light	$2550	$425
Improper passing	$2550	$433
Speeding 21 - 25 MPH over limit	$2550	$425
In 65 MPH zone	$2566	$436
Passing school bus	$2614	$436
Open container	$2695	$458
Operating a vehicle without permission	$2758	$460
At-fault accident - less than $1000	$2984	$508
At-fault accident - $1000-$2000	$3151	$525
At-fault accident - greater than $2000	$3151	$536
Refusal to submit to a chemical test	$3191	$532
DUI	$3248	$552
Driving with a suspended license	$3320	$554
Racing	$3401	$578
Leaving scene of an accident/hit and run	$3448	$575
Reckless driving	$3488	$593

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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 Hanley Hills 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 Hanley Hills.

The cheapest car insurance premiums in Hanley Hills are offered by Missouri Farm Bureau at $336 for a six-month policy. However, it can be as expensive as $7024 with companies like Farmers.

Hanley Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$336	$57
American Family	$433	$72
Kemper	$537	$92
Travelers	$867	$146
USAA	$1107	$186
Progressive	$1162	$196
Shelter	$1571	$265
State Farm	$1708	$288
Farm Bureau	$1844	$313
Allstate	$2975	$501
Nationwide	$3729	$635
Farmers	$7024	$1170

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 Hanley Hills are offered by American Family at $433. However, it can be as expensive as $4876 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hanley Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$433	$74
Travelers	$898	$151
USAA	$930	$158
Shelter	$1034	$174
State Farm	$1107	$186
Progressive	$1347	$227
Farm Bureau	$1563	$266
Allstate	$2703	$451
Farmers	$4876	$829

Car Insurance Price Trends in Hanley Hills, Missouri

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

The average cost of full coverage in the Hanley Hills rose by $301 in January compared to $176 of December. In other words, there has been an increase by $125 when you compare January and December.

The average cost of liability insurance in the Hanley Hills rose to $76 in January, compared to $65 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 Hanley Hills?

The car insurance in Hanley Hills is $39 per month, which is lower than the national average.

What is the cheapest car insurance in Hanley Hills?

The cheapest car insurance in Hanley Hills is $115 per month for full coverage.

How much is car insurance in Hanley Hills for teenagers?

Car insurance for teenagers costs $336 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 Hanley Hills?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $265 per month to insure your car in Hanley Hills.

Is car insurance expensive in Hanley Hills?

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

Cheapest Car Insurance Quotes in Hanley Hills

Why you can trust Way?

How Much Is Car Insurance in Hanley Hills

Avg. Car Insurance in Hanley Hills

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Hanley Hills

1st place: American Family

2nd place: USAA

3rd place: Travelers

Hanley Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Hanley Hills, MO

Way's key takeaways about car insurance in Hanley Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hanley Hills

Cheapest Liability Coverage in Hanley Hills, MO

Cheapest Full Coverage Car Insurance in Hanley Hills

Cheapest Full Coverage Car Insurance Quotes in Hanley Hills, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hanley Hills by Rating Factor

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

Car Insurance Premiums by Age in Hanley Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hanley Hills,MO

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

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 Hanley Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Hanley Hills

Hanley Hills Car Insurance Rates by Violation

Hanley Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hanley Hills after a DUI

Hanley Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hanley Hills after Speeding ticket

Car Insurance Price Trends in Hanley Hills, Missouri

Average Car Insurance Cost in Hanley Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hanley Hills, MO

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

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