Cheapest Car Insurance Quotes in Hazelwood

Finding the cheapest car insurance quotes in Hazelwood 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Hazelwood Car Insurance

^$ 35

/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 Hazelwood

The car insurance rate in Hazelwood is $1187 for a six-month policy, which is $206 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $604, making it a popular choice for budget-conscious drivers. Rates in Hazelwood 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 Hazelwood

$1187

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Hazelwood

1st place: American Family

At $604 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 $762 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $848 for six months, making it the third cheapest auto insurance company in Hazelwood.

Hazelwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hazelwood, MO is American Family, offering policies at just $604 for a six-month term. This is followed by Travelers, which has an average six-month premium of $762.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1811 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hazelwood drivers find the best deals.

Cheap Car Insurance Companies in Hazelwood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$604	$103
Travelers	$762	$128
USAA	$848	$143
Shelter	$1129	$190
Encompass	$1136	$194
State Farm	$1200	$202
Electric	$1323	$225
Allstate	$1366	$230
Progressive	$1437	$242
Missouri Farm Bureau	$1445	$241
Nationwide	$1811	$309

Key Takeaways

Way's key takeaways about car insurance in Hazelwood

The auto insurance costs in Hazelwood fall around $604 for six months.
The cheapest auto insurance company in Hazelwood is USAA.
Teen drivers pay the highest rate in Hazelwood at $921 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 Hazelwood

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 Hazelwood are given below.

USAA provides the cheapest minimum car insurance coverage in Hazelwood. Their Average 6 Month Premium is $208. Nationwide is the most expensive at $726 for the same period.

Cheapest Liability Coverage in Hazelwood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$208	$35
Missouri Farm Bureau	$230	$39
Travelers	$281	$47
Electric	$295	$50
Progressive	$316	$53
American Family	$323	$54
Encompass	$338	$57
Shelter	$403	$68
State Farm	$431	$73
Allstate	$647	$110
Nationwide	$726	$121

Cheapest Full Coverage Car Insurance in Hazelwood

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 Hazelwood is American Family at $103 per month and $604 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hazelwood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$604	$103
Travelers	$762	$128
USAA	$848	$143
Shelter	$1129	$190
Encompass	$1136	$194
State Farm	$1200	$202
Electric	$1323	$225
Allstate	$1366	$230
Progressive	$1437	$242
Missouri Farm Bureau	$1445	$241
Nationwide	$1811	$309

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Hazelwood Instantly!

Average Car Insurance in Hazelwood 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 Hazelwood, MO increasing?

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

Car Insurance Premiums by Age in Hazelwood

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Hazelwood,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 Hazelwood at $51 per month. At $5527 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	$301	$51
American Family	$345	$58
Travelers	$826	$139
USAA	$1272	$214
Progressive	$1855	$312
State Farm	$2078	$350
Shelter	$2451	$409
Allstate	$4938	$840
Nationwide	$5527	$921

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 Hazelwood, Progressive is the cheapest car insurance provider. At $438 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 Hazelwood is Allstate, offering rates of around $704 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$438	$75
Travelers	$453	$75
Kemper	$553	$94
American Family	$589	$98
Shelter	$618	$105
Nationwide	$682	$114
Allstate	$704	$120

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Hazelwood.

Car Insurance Rates with An Accident in Hazelwood

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

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

The cheapest car insurance companies after an at-fault accident in Hazelwood include Missouri Farm Bureau and Electric, offering $252 and $359, respectively. Allstate is an expensive provider with an average six-month premium of $2911.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$252	$42
Electric	$359	$62
American Family	$396	$65
Encompass	$460	$79
Travelers	$546	$92
USAA	$560	$94
Progressive	$783	$132
State Farm	$949	$160
Shelter	$1064	$179
Nationwide	$2681	$456
Allstate	$2911	$485

Hazelwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hazelwood MO. For example, the car insurance in Hazelwood after a DUI increases to $977 for a six month policy. While the rate increases by $337 for a six-month policy in the case of a speeding ticket.

Hazelwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1934	$322
One Med/PIP claim	$1934	$329
Not-at-fault accident	$1990	$332
One comp claim	$2005	$341
Two Med/PIP claims	$2005	$334
Two comp claims	$2134	$363
Failure to wear a seat belt	$2193	$365
Failure to show documents	$2200	$374
Child safety restraint	$2235	$373
Driving without lights	$2235	$380
Driving with expired registration	$2249	$375
Cell phone violation	$2264	$385
Driving too slowly	$2264	$378
Following too closely	$2264	$385
Speeding in school zone	$2264	$378
Failure to yield	$2271	$386
Speeding 11 - 15 MPH over limit	$2271	$379
Speeding 16 - 20 MPH over limit	$2271	$386
Speeding 6 - 10 MPH over limit	$2271	$379
Texting while driving	$2271	$386
Illegal turn	$2278	$380
Wrong way/wrong lane	$2278	$387
Failure to stop at a red light	$2286	$381
Improper passing	$2286	$388
Speeding 21 - 25 MPH over limit	$2286	$381
In 65 MPH zone	$2300	$391
Passing school bus	$2343	$391
Open container	$2415	$410
Operating a vehicle without permission	$2472	$413
At-fault accident - less than $1000	$2674	$455
At-fault accident - $1000-$2000	$2824	$471
At-fault accident - greater than $2000	$2824	$480
Refusal to submit to a chemical test	$2860	$477
DUI	$2911	$495
Driving with a suspended license	$2975	$496
Racing	$3048	$518
Leaving scene of an accident/hit and run	$3090	$515
Reckless driving	$3127	$531

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Hazelwood 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 Hazelwood.

The cheapest car insurance premiums in Hazelwood are offered by Missouri Farm Bureau at $301 for a six-month policy. However, it can be as expensive as $3342 with companies like Nationwide.

Hazelwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$301	$51
American Family	$388	$64
Kemper	$482	$82
Travelers	$582	$98
Progressive	$719	$121
USAA	$892	$150
State Farm	$1007	$169
Shelter	$1171	$197
Allstate	$2530	$431
Nationwide	$3342	$557

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 Hazelwood are offered by Progressive at $345. However, it can be as expensive as $518 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Hazelwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$345	$58
Travelers	$367	$61
American Family	$388	$67
State Farm	$431	$71
Shelter	$518	$88

Car Insurance Price Trends in Hazelwood, Missouri

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

The average cost of full coverage in the Hazelwood remained steady at $157 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Hazelwood remained steady at $58 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Hazelwood?

The car insurance in Hazelwood is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Hazelwood?

The cheapest car insurance in Hazelwood is $103 per month for full coverage.

How much is car insurance in Hazelwood for teenagers?

Car insurance for teenagers costs $301 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 Hazelwood?

The average cost of car insurance is $981 for a six-month policy. It will cost around $200 per month to insure your car in Hazelwood.

Is car insurance expensive in Hazelwood?

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

Cheapest Car Insurance Quotes in Hazelwood

Why you can trust Way?

How Much Is Car Insurance in Hazelwood

Avg. Car Insurance in Hazelwood

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Hazelwood

1st place: American Family

2nd place: Travelers

3rd place: USAA

Hazelwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Hazelwood, MO

Way's key takeaways about car insurance in Hazelwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hazelwood

Cheapest Liability Coverage in Hazelwood, MO

Cheapest Full Coverage Car Insurance in Hazelwood

Cheapest Full Coverage Car Insurance Quotes in Hazelwood, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hazelwood by Rating Factor

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

Car Insurance Premiums by Age in Hazelwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hazelwood,MO

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

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 Hazelwood

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

Hazelwood Car Insurance Rates by Violation

Hazelwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hazelwood after a DUI

Hazelwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hazelwood after Speeding ticket

Car Insurance Price Trends in Hazelwood, Missouri

Average Car Insurance Cost in Hazelwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hazelwood, MO

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

Featured Blogs

Data Sources