Cheapest Car Insurance Quotes in High Ridge

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High Ridge Car Insurance

^$ 32

/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 High Ridge

The car insurance rate in High Ridge is $1269 for a six-month policy, which is $105 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $544, making it a popular choice for budget-conscious drivers. Rates in High Ridge 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 High Ridge

$1269

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in High Ridge

1st place: American Family

At $544 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 $731 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $751 for six months, making it the third cheapest auto insurance company in High Ridge.

High Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in High Ridge, MO is American Family, offering policies at just $544 for a six-month term. This is followed by USAA, which has an average six-month premium of $731.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3101 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help High Ridge drivers find the best deals.

Cheap Car Insurance Companies in High Ridge, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$544	$93
USAA	$731	$123
Travelers	$751	$126
Encompass	$1024	$170
Shelter	$1055	$178
State Farm	$1152	$194
Electric	$1191	$203
Farm Bureau	$1224	$204
Missouri Farm Bureau	$1301	$221
Progressive	$1347	$227
Allstate	$1444	$243
Nationwide	$1632	$271
Farmers	$3101	$528

Key Takeaways

Way's key takeaways about car insurance in High Ridge

The auto insurance costs in High Ridge fall around $544 for six months.
The cheapest auto insurance company in High Ridge is USAA.
Teen drivers pay the highest rate in High Ridge at $1693 per month.

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Cheapest Minimum Liability Car Insurance in High Ridge

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 High Ridge are given below.

USAA provides the cheapest minimum car insurance coverage in High Ridge. Their Average 6 Month Premium is $187. Farmers is the most expensive at $1114 for the same period.

Cheapest Liability Coverage in High Ridge, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$187	$32
Missouri Farm Bureau	$207	$35
Electric	$266	$45
Travelers	$271	$46
Farm Bureau	$278	$47
American Family	$291	$49
Encompass	$304	$51
Progressive	$311	$52
Shelter	$382	$64
State Farm	$408	$69
Nationwide	$654	$109
Allstate	$680	$114
Farmers	$1114	$185

Cheapest Full Coverage Car Insurance in High Ridge

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 High Ridge is American Family at $93 per month and $544 for six months.

Cheapest Full Coverage Car Insurance Quotes in High Ridge, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$544	$93
USAA	$731	$123
Travelers	$751	$126
Encompass	$1024	$170
Shelter	$1055	$178
State Farm	$1152	$194
Electric	$1191	$203
Farm Bureau	$1224	$204
Missouri Farm Bureau	$1301	$221
Progressive	$1347	$227
Allstate	$1444	$243
Nationwide	$1632	$271
Farmers	$3101	$528

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Average Car Insurance in High Ridge 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 High Ridge, MO increasing?

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

Car Insurance Premiums by Age in High Ridge

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 High Ridge,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 High Ridge at $46 per month. At $10159 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	$271	$46
American Family	$311	$52
Travelers	$1178	$198
USAA	$1191	$201
Progressive	$2273	$383
State Farm	$2344	$395
Shelter	$2616	$440
Farm Bureau	$3180	$541
Allstate	$4131	$695
Nationwide	$4979	$847
Farmers	$10159	$1693

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 High Ridge, Kemper is the cheapest car insurance provider. At $498 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 High Ridge is Farmers, offering rates of around $6307 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$498	$85
American Family	$531	$88
Nationwide	$615	$105
Travelers	$991	$167
USAA	$1146	$195
Progressive	$1444	$243
Shelter	$1658	$279
Farm Bureau	$2059	$343
Allstate	$2415	$407
State Farm	$4371	$728
Farmers	$6307	$1073

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Car Insurance Rates with An Accident in High Ridge

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

Cheapest Car Insurance Companies after an At-Fault Accident in High Ridge

The cheapest car insurance companies after an at-fault accident in High Ridge include Missouri Farm Bureau and Electric, offering $227 and $324, respectively. Farmers is an expensive provider with an average six-month premium of $4422.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$227	$38
Electric	$324	$56
American Family	$356	$59
Encompass	$414	$71
USAA	$590	$99
Travelers	$667	$112
Progressive	$978	$165
State Farm	$1017	$171
Shelter	$1139	$192
Farm Bureau	$1579	$268
Nationwide	$2415	$402
Allstate	$2933	$494
Farmers	$4422	$737

High Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in High Ridge MO. For example, the car insurance in High Ridge after a DUI increases to $881 for a six month policy. While the rate increases by $304 for a six-month policy in the case of a speeding ticket.

High Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1742	$290
One Med/PIP claim	$1742	$296
Not-at-fault accident	$1793	$299
One comp claim	$1806	$307
Two Med/PIP claims	$1806	$301
Two comp claims	$1923	$327
Failure to wear a seat belt	$1975	$329
Failure to show documents	$1982	$337
Child safety restraint	$2013	$336
Driving without lights	$2013	$342
Driving with expired registration	$2026	$338
Cell phone violation	$2039	$347
Driving too slowly	$2039	$340
Following too closely	$2039	$347
Speeding in school zone	$2039	$340
Failure to yield	$2046	$348
Speeding 11 - 15 MPH over limit	$2046	$341
Speeding 16 - 20 MPH over limit	$2046	$348
Speeding 6 - 10 MPH over limit	$2046	$341
Texting while driving	$2046	$348
Illegal turn	$2052	$342
Wrong way/wrong lane	$2052	$349
Failure to stop at a red light	$2059	$343
Improper passing	$2059	$350
Speeding 21 - 25 MPH over limit	$2059	$343
In 65 MPH zone	$2072	$352
Passing school bus	$2110	$352
Open container	$2176	$370
Operating a vehicle without permission	$2227	$372
At-fault accident - less than $1000	$2409	$410
At-fault accident - $1000-$2000	$2544	$424
At-fault accident - greater than $2000	$2544	$433
Refusal to submit to a chemical test	$2577	$429
DUI	$2623	$446
Driving with a suspended license	$2680	$447
Racing	$2746	$467
Leaving scene of an accident/hit and run	$2784	$464
Reckless driving	$2817	$479

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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 High Ridge 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 High Ridge.

The cheapest car insurance premiums in High Ridge are offered by Missouri Farm Bureau at $271 for a six-month policy. However, it can be as expensive as $5671 with companies like Farmers.

High Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$271	$46
American Family	$350	$58
Kemper	$434	$74
Travelers	$700	$118
USAA	$894	$150
Progressive	$938	$158
Shelter	$1269	$214
State Farm	$1379	$232
Farm Bureau	$1489	$253
Allstate	$2402	$404
Nationwide	$3011	$512
Farmers	$5671	$945

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 High Ridge are offered by American Family at $350. However, it can be as expensive as $3937 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in High Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$350	$60
Travelers	$725	$122
USAA	$751	$128
Shelter	$835	$141
State Farm	$894	$150
Progressive	$1088	$183
Farm Bureau	$1262	$215
Allstate	$2182	$364
Farmers	$3937	$669

Car Insurance Price Trends in High Ridge, Missouri

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

The average cost of full coverage in the High Ridge rose by $243 in January compared to $142 of December. In other words, there has been an increase by $101 when you compare January and December.

The average cost of liability insurance in the High Ridge rose to $61 in January, compared to $52 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in High Ridge?

The car insurance in High Ridge is $32 per month, which is lower than the national average.

What is the cheapest car insurance in High Ridge?

The cheapest car insurance in High Ridge is $93 per month for full coverage.

How much is car insurance in High Ridge for teenagers?

Car insurance for teenagers costs $271 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 High Ridge?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $214 per month to insure your car in High Ridge.

Is car insurance expensive in High Ridge?

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

Cheapest Car Insurance Quotes in High Ridge

Why you can trust Way?

How Much Is Car Insurance in High Ridge

Avg. Car Insurance in High Ridge

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in High Ridge

1st place: American Family

2nd place: USAA

3rd place: Travelers

High Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in High Ridge, MO

Way's key takeaways about car insurance in High Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in High Ridge

Cheapest Liability Coverage in High Ridge, MO

Cheapest Full Coverage Car Insurance in High Ridge

Cheapest Full Coverage Car Insurance Quotes in High Ridge, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in High Ridge by Rating Factor

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

Car Insurance Premiums by Age in High Ridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in High Ridge,MO

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

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 High Ridge

Cheapest Car Insurance Companies after an At-Fault Accident in High Ridge

High Ridge Car Insurance Rates by Violation

High Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in High Ridge after a DUI

High Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in High Ridge after Speeding ticket

Car Insurance Price Trends in High Ridge, Missouri

Average Car Insurance Cost in High Ridge by ZIP Code

Frequently Asked Questions

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