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Ladue Car Insurance
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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.
The car insurance rate in Ladue is $1257 for a six-month policy, which is $93 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $539, making it a popular choice for budget-conscious drivers. Rates in Ladue 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 $539 for a six month policy, American Family offers the cheapest auto insurance rates in the city.
USAA offers auto insurance rates at $725 for a six-month policy, making it one of the cheapest to insure with.
Travelers offers auto insurance rates at $744 for six months, making it the third cheapest auto insurance company in Ladue.
Based on our research, the cheapest car insurance company in Ladue, MO is American Family, offering policies at just $539 for a six-month term. This is followed by USAA, which has an average six-month premium of $725.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3073 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ladue drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $539 | $92 |
| USAA | $725 | $122 |
| Travelers | $744 | $125 |
| Encompass | $1014 | $168 |
| Shelter | $1045 | $176 |
| State Farm | $1142 | $192 |
| Electric | $1180 | $201 |
| Farm Bureau | $1213 | $202 |
| Missouri Farm Bureau | $1290 | $219 |
| Progressive | $1335 | $225 |
| Allstate | $1431 | $241 |
| Nationwide | $1617 | $269 |
| Farmers | $3073 | $523 |
Save up to $971/yr with our auto insurance quotes
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 Ladue are given below.
USAA provides the cheapest minimum car insurance coverage in Ladue. Their Average 6 Month Premium is $186. Farmers is the most expensive at $1104 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $186 | $31 |
| Missouri Farm Bureau | $205 | $35 |
| Electric | $264 | $44 |
| Travelers | $269 | $45 |
| Farm Bureau | $275 | $46 |
| American Family | $288 | $49 |
| Encompass | $301 | $51 |
| Progressive | $308 | $52 |
| Shelter | $378 | $64 |
| State Farm | $404 | $68 |
| Nationwide | $648 | $108 |
| Allstate | $674 | $113 |
| Farmers | $1104 | $184 |
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 Ladue is American Family at $92 per month and $539 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $539 | $92 |
| USAA | $725 | $122 |
| Travelers | $744 | $125 |
| Encompass | $1014 | $168 |
| Shelter | $1045 | $176 |
| State Farm | $1142 | $192 |
| Electric | $1180 | $201 |
| Farm Bureau | $1213 | $202 |
| Missouri Farm Bureau | $1290 | $219 |
| Progressive | $1335 | $225 |
| Allstate | $1431 | $241 |
| Nationwide | $1617 | $269 |
| Farmers | $3073 | $523 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Ladue, 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, Ladue's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Ladue at $45 per month. At $10066 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 | $269 | $45 |
| American Family | $308 | $52 |
| Travelers | $1167 | $197 |
| USAA | $1180 | $199 |
| Progressive | $2252 | $379 |
| State Farm | $2322 | $391 |
| Shelter | $2592 | $436 |
| Farm Bureau | $3150 | $536 |
| Allstate | $4093 | $689 |
| Nationwide | $4933 | $839 |
| Farmers | $10066 | $1677 |
Teen Car Insurance Rates in MO by Age
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.
For those with poor credit scores in Ladue, Kemper is the cheapest car insurance provider. At $494 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 Ladue is Farmers, offering rates of around $6249 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Kemper | $494 | $84 |
| American Family | $526 | $87 |
| Nationwide | $609 | $104 |
| Travelers | $982 | $165 |
| USAA | $1135 | $193 |
| Progressive | $1431 | $241 |
| Shelter | $1643 | $276 |
| Farm Bureau | $2040 | $340 |
| Allstate | $2393 | $403 |
| State Farm | $4331 | $721 |
| Farmers | $6249 | $1063 |
Save up to $971/yr on car insurance rates in Ladue.
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 Ladue, MO, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Ladue include Missouri Farm Bureau and Electric, offering $225 and $321, respectively. Farmers is an expensive provider with an average six-month premium of $4382.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Missouri Farm Bureau | $225 | $38 |
| Electric | $321 | $55 |
| American Family | $353 | $58 |
| Encompass | $410 | $70 |
| USAA | $584 | $98 |
| Travelers | $661 | $111 |
| Progressive | $969 | $163 |
| State Farm | $1008 | $170 |
| Shelter | $1129 | $190 |
| Farm Bureau | $1565 | $266 |
| Nationwide | $2393 | $399 |
| Allstate | $2906 | $489 |
| Farmers | $4382 | $730 |
Here is a list of driving violations that can increase your car insurance rates in Ladue MO. For example, the car insurance in Ladue after a DUI increases to $872 for a six month policy. While the rate increases by $301 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1726 | $287 |
| One Med/PIP claim | $1726 | $294 |
| Not-at-fault accident | $1777 | $296 |
| One comp claim | $1790 | $305 |
| Two Med/PIP claims | $1790 | $298 |
| Two comp claims | $1905 | $324 |
| Failure to wear a seat belt | $1957 | $326 |
| Failure to show documents | $1963 | $334 |
| Child safety restraint | $1995 | $333 |
| Driving without lights | $1995 | $339 |
| Driving with expired registration | $2008 | $335 |
| Cell phone violation | $2021 | $343 |
| Driving too slowly | $2021 | $337 |
| Following too closely | $2021 | $343 |
| Speeding in school zone | $2021 | $337 |
| Failure to yield | $2027 | $345 |
| Speeding 11 - 15 MPH over limit | $2027 | $338 |
| Speeding 16 - 20 MPH over limit | $2027 | $345 |
| Speeding 6 - 10 MPH over limit | $2027 | $338 |
| Texting while driving | $2027 | $345 |
| Illegal turn | $2034 | $339 |
| Wrong way/wrong lane | $2034 | $346 |
| Failure to stop at a red light | $2040 | $340 |
| Improper passing | $2040 | $347 |
| Speeding 21 - 25 MPH over limit | $2040 | $340 |
| In 65 MPH zone | $2053 | $349 |
| Passing school bus | $2091 | $349 |
| Open container | $2156 | $366 |
| Operating a vehicle without permission | $2206 | $368 |
| At-fault accident - less than $1000 | $2387 | $406 |
| At-fault accident - $1000-$2000 | $2521 | $420 |
| At-fault accident - greater than $2000 | $2521 | $429 |
| Refusal to submit to a chemical test | $2553 | $426 |
| DUI | $2598 | $442 |
| Driving with a suspended license | $2656 | $443 |
| Racing | $2721 | $462 |
| Leaving scene of an accident/hit and run | $2758 | $460 |
| Reckless driving | $2791 | $474 |
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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.
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 Ladue.
The cheapest car insurance premiums in Ladue are offered by Missouri Farm Bureau at $269 for a six-month policy. However, it can be as expensive as $5619 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Missouri Farm Bureau | $269 | $45 |
| American Family | $347 | $57 |
| Kemper | $430 | $73 |
| Travelers | $693 | $117 |
| USAA | $886 | $149 |
| Progressive | $930 | $157 |
| Shelter | $1257 | $212 |
| State Farm | $1366 | $230 |
| Farm Bureau | $1475 | $251 |
| Allstate | $2380 | $401 |
| Nationwide | $2983 | $508 |
| Farmers | $5619 | $936 |
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 Ladue are offered by American Family at $347. However, it can be as expensive as $3901 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $347 | $59 |
| Travelers | $718 | $121 |
| USAA | $744 | $126 |
| Shelter | $827 | $139 |
| State Farm | $886 | $149 |
| Progressive | $1078 | $181 |
| Farm Bureau | $1251 | $213 |
| Allstate | $2162 | $361 |
| Farmers | $3901 | $663 |
Car insurance rates in Ladue have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Ladue rose by $241 in January compared to $140 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 Ladue rose to $60 in January, compared to $52 in December. This represents an increase of $8 when comparing January and December.
How much is car insurance in Ladue?
The car insurance in Ladue is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Ladue?
The cheapest car insurance in Ladue is $92 per month for full coverage.
How much is car insurance in Ladue for teenagers?
Car insurance for teenagers costs $269 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 Ladue?
The average cost of car insurance is $1164 for a six-month policy. It will cost around $212 per month to insure your car in Ladue.
Is car insurance expensive in Ladue?
Car insurance can be expensive in Ladue if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Ladue can be affordable.
What is the best car insurance in Ladue, MO?
The best car insurance company in Ladue MO is American Family, offering $539 for a six-month policy.
Cut auto insurance costs in Ladue right now.