Cheapest Car Insurance Quotes in Hillsdale

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Hillsdale Car Insurance

^$ 45

/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 Hillsdale

The car insurance rate in Hillsdale is $1804 for a six-month policy, which is $640 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $773, making it a popular choice for budget-conscious drivers. Rates in Hillsdale 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 Hillsdale

$1804

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Hillsdale

1st place: American Family

At $773 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 $1040 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1068 for six months, making it the third cheapest auto insurance company in Hillsdale.

Hillsdale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hillsdale, MO is American Family, offering policies at just $773 for a six-month term. This is followed by USAA, which has an average six-month premium of $1040.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $4410 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hillsdale drivers find the best deals.

Cheap Car Insurance Companies in Hillsdale, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$773	$132
USAA	$1040	$175
Travelers	$1068	$180
Encompass	$1455	$242
Shelter	$1500	$253
State Farm	$1638	$276
Electric	$1694	$288
Farm Bureau	$1741	$290
Missouri Farm Bureau	$1851	$315
Progressive	$1916	$322
Allstate	$2054	$346
Nationwide	$2320	$386
Farmers	$4410	$750

Key Takeaways

Way's key takeaways about car insurance in Hillsdale

The auto insurance costs in Hillsdale fall around $773 for six months.
The cheapest auto insurance company in Hillsdale is USAA.
Teen drivers pay the highest rate in Hillsdale at $2407 per month.

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Cheapest Minimum Liability Car Insurance in Hillsdale

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 Hillsdale are given below.

USAA provides the cheapest minimum car insurance coverage in Hillsdale. Their Average 6 Month Premium is $267. Farmers is the most expensive at $1584 for the same period.

Cheapest Liability Coverage in Hillsdale, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$267	$45
Missouri Farm Bureau	$295	$50
Electric	$378	$64
Travelers	$386	$65
Farm Bureau	$395	$67
American Family	$414	$70
Encompass	$432	$73
Progressive	$442	$74
Shelter	$543	$91
State Farm	$580	$98
Nationwide	$930	$155
Allstate	$967	$163
Farmers	$1584	$264

Cheapest Full Coverage Car Insurance in Hillsdale

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 Hillsdale is American Family at $132 per month and $773 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hillsdale, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$773	$132
USAA	$1040	$175
Travelers	$1068	$180
Encompass	$1455	$242
Shelter	$1500	$253
State Farm	$1638	$276
Electric	$1694	$288
Farm Bureau	$1741	$290
Missouri Farm Bureau	$1851	$315
Progressive	$1916	$322
Allstate	$2054	$346
Nationwide	$2320	$386
Farmers	$4410	$750

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Average Car Insurance in Hillsdale 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 Hillsdale, MO increasing?

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

Car Insurance Premiums by Age in Hillsdale

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 Hillsdale,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 Hillsdale at $65 per month. At $14446 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	$386	$65
American Family	$442	$74
Travelers	$1676	$282
USAA	$1694	$285
Progressive	$3232	$544
State Farm	$3333	$561
Shelter	$3720	$626
Farm Bureau	$4521	$769
Allstate	$5875	$989
Nationwide	$7080	$1204
Farmers	$14446	$2407

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 Hillsdale, Kemper is the cheapest car insurance provider. At $708 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 Hillsdale is Farmers, offering rates of around $8968 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$708	$121
American Family	$755	$126
Nationwide	$874	$149
Travelers	$1409	$237
USAA	$1629	$277
Progressive	$2054	$346
Shelter	$2358	$397
Farm Bureau	$2928	$488
Allstate	$3435	$578
State Farm	$6216	$1035
Farmers	$8968	$1525

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Car Insurance Rates with An Accident in Hillsdale

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

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

The cheapest car insurance companies after an at-fault accident in Hillsdale include Missouri Farm Bureau and Electric, offering $322 and $460, respectively. Farmers is an expensive provider with an average six-month premium of $6288.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$322	$54
Electric	$460	$79
American Family	$507	$84
Encompass	$589	$101
USAA	$839	$141
Travelers	$949	$160
Progressive	$1390	$234
State Farm	$1446	$243
Shelter	$1620	$273
Farm Bureau	$2246	$381
Nationwide	$3435	$572
Allstate	$4171	$702
Farmers	$6288	$1048

Hillsdale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Hillsdale MO. For example, the car insurance in Hillsdale after a DUI increases to $1252 for a six month policy. While the rate increases by $432 for a six-month policy in the case of a speeding ticket.

Hillsdale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2477	$412
One Med/PIP claim	$2477	$422
Not-at-fault accident	$2550	$425
One comp claim	$2568	$437
Two Med/PIP claims	$2568	$428
Two comp claims	$2734	$465
Failure to wear a seat belt	$2809	$468
Failure to show documents	$2818	$479
Child safety restraint	$2863	$477
Driving without lights	$2863	$487
Driving with expired registration	$2881	$481
Cell phone violation	$2900	$493
Driving too slowly	$2900	$484
Following too closely	$2900	$493
Speeding in school zone	$2900	$484
Failure to yield	$2909	$494
Speeding 11 - 15 MPH over limit	$2909	$485
Speeding 16 - 20 MPH over limit	$2909	$494
Speeding 6 - 10 MPH over limit	$2909	$485
Texting while driving	$2909	$494
Illegal turn	$2919	$487
Wrong way/wrong lane	$2919	$496
Failure to stop at a red light	$2928	$488
Improper passing	$2928	$498
Speeding 21 - 25 MPH over limit	$2928	$488
In 65 MPH zone	$2947	$501
Passing school bus	$3001	$501
Open container	$3094	$525
Operating a vehicle without permission	$3167	$529
At-fault accident - less than $1000	$3426	$583
At-fault accident - $1000-$2000	$3618	$603
At-fault accident - greater than $2000	$3618	$615
Refusal to submit to a chemical test	$3664	$611
DUI	$3729	$634
Driving with a suspended license	$3811	$636
Racing	$3904	$663
Leaving scene of an accident/hit and run	$3959	$660
Reckless driving	$4005	$680

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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 Hillsdale 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 Hillsdale.

The cheapest car insurance premiums in Hillsdale are offered by Missouri Farm Bureau at $386 for a six-month policy. However, it can be as expensive as $8065 with companies like Farmers.

Hillsdale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$386	$65
American Family	$498	$82
Kemper	$617	$105
Travelers	$995	$167
USAA	$1271	$214
Progressive	$1335	$225
Shelter	$1804	$304
State Farm	$1961	$330
Farm Bureau	$2117	$360
Allstate	$3416	$575
Nationwide	$4281	$729
Farmers	$8065	$1344

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 Hillsdale are offered by American Family at $498. However, it can be as expensive as $5599 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hillsdale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$498	$85
Travelers	$1031	$174
USAA	$1068	$181
Shelter	$1187	$200
State Farm	$1271	$214
Progressive	$1547	$260
Farm Bureau	$1795	$305
Allstate	$3103	$518
Farmers	$5599	$952

Car Insurance Price Trends in Hillsdale, Missouri

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

The average cost of full coverage in the Hillsdale rose by $346 in January compared to $202 of December. In other words, there has been an increase by $144 when you compare January and December.

The average cost of liability insurance in the Hillsdale rose to $87 in January, compared to $74 in December. This represents an increase of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hillsdale?

The car insurance in Hillsdale is $45 per month, which is lower than the national average.

What is the cheapest car insurance in Hillsdale?

The cheapest car insurance in Hillsdale is $132 per month for full coverage.

How much is car insurance in Hillsdale for teenagers?

Car insurance for teenagers costs $386 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 Hillsdale?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $304 per month to insure your car in Hillsdale.

Is car insurance expensive in Hillsdale?

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

Cheapest Car Insurance Quotes in Hillsdale

Why you can trust Way?

How Much Is Car Insurance in Hillsdale

Avg. Car Insurance in Hillsdale

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Hillsdale

1st place: American Family

2nd place: USAA

3rd place: Travelers

Hillsdale Car Insurance Rates by Company

Cheap Car Insurance Companies in Hillsdale, MO

Way's key takeaways about car insurance in Hillsdale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hillsdale

Cheapest Liability Coverage in Hillsdale, MO

Cheapest Full Coverage Car Insurance in Hillsdale

Cheapest Full Coverage Car Insurance Quotes in Hillsdale, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hillsdale by Rating Factor

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

Car Insurance Premiums by Age in Hillsdale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hillsdale,MO

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

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 Hillsdale

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

Hillsdale Car Insurance Rates by Violation

Hillsdale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hillsdale after a DUI

Hillsdale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hillsdale after Speeding ticket

Car Insurance Price Trends in Hillsdale, Missouri

Average Car Insurance Cost in Hillsdale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hillsdale, MO

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

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