Cheapest Car Insurance Quotes in Lake Ozark

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Lake Ozark Car Insurance

^$ 28

/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 Lake Ozark

The car insurance rate in Lake Ozark is $1117 for a six-month policy, which is $47 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $479, making it a popular choice for budget-conscious drivers. Rates in Lake Ozark 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 Lake Ozark

$1117

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Lake Ozark

1st place: American Family

At $479 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 $644 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $661 for six months, making it the third cheapest auto insurance company in Lake Ozark.

Lake Ozark Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Ozark, MO is American Family, offering policies at just $479 for a six-month term. This is followed by USAA, which has an average six-month premium of $644.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2731 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Ozark drivers find the best deals.

Cheap Car Insurance Companies in Lake Ozark, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$479	$82
USAA	$644	$108
Travelers	$661	$111
Encompass	$901	$150
Shelter	$929	$156
State Farm	$1015	$171
Electric	$1049	$179
Farm Bureau	$1078	$180
Missouri Farm Bureau	$1146	$195
Progressive	$1187	$200
Allstate	$1272	$214
Nationwide	$1437	$239
Farmers	$2731	$465

Key Takeaways

Way's key takeaways about car insurance in Lake Ozark

The auto insurance costs in Lake Ozark fall around $479 for six months.
The cheapest auto insurance company in Lake Ozark is USAA.
Teen drivers pay the highest rate in Lake Ozark at $1491 per month.

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Cheapest Minimum Liability Car Insurance in Lake Ozark

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 Lake Ozark are given below.

USAA provides the cheapest minimum car insurance coverage in Lake Ozark. Their Average 6 Month Premium is $165. Farmers is the most expensive at $981 for the same period.

Cheapest Liability Coverage in Lake Ozark, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$165	$28
Missouri Farm Bureau	$182	$31
Electric	$234	$39
Travelers	$239	$40
Farm Bureau	$245	$41
American Family	$256	$43
Encompass	$268	$45
Progressive	$274	$46
Shelter	$336	$57
State Farm	$359	$60
Nationwide	$576	$96
Allstate	$599	$101
Farmers	$981	$163

Cheapest Full Coverage Car Insurance in Lake Ozark

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 Lake Ozark is American Family at $82 per month and $479 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Ozark, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$479	$82
USAA	$644	$108
Travelers	$661	$111
Encompass	$901	$150
Shelter	$929	$156
State Farm	$1015	$171
Electric	$1049	$179
Farm Bureau	$1078	$180
Missouri Farm Bureau	$1146	$195
Progressive	$1187	$200
Allstate	$1272	$214
Nationwide	$1437	$239
Farmers	$2731	$465

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Average Car Insurance in Lake Ozark 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 Lake Ozark, MO increasing?

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

Car Insurance Premiums by Age in Lake Ozark

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 Lake Ozark,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 Lake Ozark at $40 per month. At $8947 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	$239	$40
American Family	$274	$46
Travelers	$1038	$175
USAA	$1049	$177
Progressive	$2002	$337
State Farm	$2064	$348
Shelter	$2304	$388
Farm Bureau	$2800	$476
Allstate	$3638	$612
Nationwide	$4385	$746
Farmers	$8947	$1491

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 Lake Ozark, Kemper is the cheapest car insurance provider. At $439 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 Lake Ozark is Farmers, offering rates of around $5555 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$439	$75
American Family	$468	$78
Nationwide	$541	$92
Travelers	$873	$147
USAA	$1009	$172
Progressive	$1272	$214
Shelter	$1460	$246
Farm Bureau	$1813	$302
Allstate	$2127	$358
State Farm	$3850	$641
Farmers	$5555	$945

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Car Insurance Rates with An Accident in Lake Ozark

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Ozark

The cheapest car insurance companies after an at-fault accident in Lake Ozark include Missouri Farm Bureau and Electric, offering $200 and $285, respectively. Farmers is an expensive provider with an average six-month premium of $3895.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$200	$34
Electric	$285	$49
American Family	$314	$52
Encompass	$365	$62
USAA	$519	$87
Travelers	$588	$99
Progressive	$861	$145
State Farm	$896	$151
Shelter	$1003	$169
Farm Bureau	$1391	$236
Nationwide	$2127	$354
Allstate	$2583	$435
Farmers	$3895	$649

Lake Ozark Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Ozark MO. For example, the car insurance in Lake Ozark after a DUI increases to $776 for a six month policy. While the rate increases by $268 for a six-month policy in the case of a speeding ticket.

Lake Ozark auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1534	$255
One Med/PIP claim	$1534	$261
Not-at-fault accident	$1579	$263
One comp claim	$1591	$271
Two Med/PIP claims	$1591	$265
Two comp claims	$1693	$288
Failure to wear a seat belt	$1740	$290
Failure to show documents	$1745	$297
Child safety restraint	$1773	$296
Driving without lights	$1773	$301
Driving with expired registration	$1785	$298
Cell phone violation	$1796	$305
Driving too slowly	$1796	$300
Following too closely	$1796	$305
Speeding in school zone	$1796	$300
Failure to yield	$1802	$306
Speeding 11 - 15 MPH over limit	$1802	$300
Speeding 16 - 20 MPH over limit	$1802	$306
Speeding 6 - 10 MPH over limit	$1802	$300
Texting while driving	$1802	$306
Illegal turn	$1808	$301
Wrong way/wrong lane	$1808	$307
Failure to stop at a red light	$1813	$302
Improper passing	$1813	$308
Speeding 21 - 25 MPH over limit	$1813	$302
In 65 MPH zone	$1825	$310
Passing school bus	$1859	$310
Open container	$1916	$325
Operating a vehicle without permission	$1961	$327
At-fault accident - less than $1000	$2122	$361
At-fault accident - $1000-$2000	$2241	$373
At-fault accident - greater than $2000	$2241	$381
Refusal to submit to a chemical test	$2269	$378
DUI	$2310	$393
Driving with a suspended license	$2361	$394
Racing	$2418	$411
Leaving scene of an accident/hit and run	$2452	$409
Reckless driving	$2481	$421

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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 Lake Ozark 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 Lake Ozark.

The cheapest car insurance premiums in Lake Ozark are offered by Missouri Farm Bureau at $239 for a six-month policy. However, it can be as expensive as $4995 with companies like Farmers.

Lake Ozark car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$239	$40
American Family	$308	$51
Kemper	$382	$65
Travelers	$616	$104
USAA	$787	$132
Progressive	$827	$139
Shelter	$1117	$188
State Farm	$1214	$204
Farm Bureau	$1311	$223
Allstate	$2116	$356
Nationwide	$2652	$451
Farmers	$4995	$832

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 Lake Ozark are offered by American Family at $308. However, it can be as expensive as $3468 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake Ozark after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$308	$53
Travelers	$638	$108
USAA	$661	$112
Shelter	$735	$124
State Farm	$787	$132
Progressive	$958	$161
Farm Bureau	$1112	$189
Allstate	$1922	$321
Farmers	$3468	$589

Car Insurance Price Trends in Lake Ozark, Missouri

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

The average cost of full coverage in the Lake Ozark rose by $214 in January compared to $125 of December. In other words, there has been an increase by $89 when you compare January and December.

The average cost of liability insurance in the Lake Ozark rose to $54 in January, compared to $46 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lake Ozark?

The car insurance in Lake Ozark is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Ozark?

The cheapest car insurance in Lake Ozark is $82 per month for full coverage.

How much is car insurance in Lake Ozark for teenagers?

Car insurance for teenagers costs $239 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 Lake Ozark?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $188 per month to insure your car in Lake Ozark.

Is car insurance expensive in Lake Ozark?

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

Cheapest Car Insurance Quotes in Lake Ozark

Why you can trust Way?

How Much Is Car Insurance in Lake Ozark

Avg. Car Insurance in Lake Ozark

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Lake Ozark

1st place: American Family

2nd place: USAA

3rd place: Travelers

Lake Ozark Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Ozark, MO

Way's key takeaways about car insurance in Lake Ozark

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Ozark

Cheapest Liability Coverage in Lake Ozark, MO

Cheapest Full Coverage Car Insurance in Lake Ozark

Cheapest Full Coverage Car Insurance Quotes in Lake Ozark, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Ozark by Rating Factor

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

Car Insurance Premiums by Age in Lake Ozark

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Ozark,MO

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

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 Lake Ozark

Cheapest Car Insurance Companies after an At-Fault Accident in Lake Ozark

Lake Ozark Car Insurance Rates by Violation

Lake Ozark auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Ozark after a DUI

Lake Ozark car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Ozark after Speeding ticket

Car Insurance Price Trends in Lake Ozark, Missouri

Average Car Insurance Cost in Lake Ozark by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Ozark, MO

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

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