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Finding the cheapest car insurance quotes in Lake Spring 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.
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 Spring
The car insurance rate in Lake Spring is $1083 for a six-month policy, which is $81 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $464, making it a popular choice for budget-conscious drivers. Rates in Lake Spring 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 $464 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 $624 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $641
for six months, making it
the third cheapest auto insurance company in Lake Spring.
Lake Spring Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lake Spring, MO is American Family, offering policies at just $464 for a six-month term. This is followed by USAA, which has an average six-month premium of $624.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2646 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Spring drivers find the best deals.
Way's key takeaways about car insurance in Lake Spring
The auto insurance costs in Lake Spring fall around $464 for six
months.
The cheapest auto insurance company in Lake Spring is USAA.
Teen drivers pay the highest rate in Lake Spring at $1444 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 Lake Spring
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 Spring are given below.
USAA provides
the cheapest minimum car insurance
coverage in Lake Spring. Their Average 6 Month Premium is $160.
Farmers is the most
expensive at $950 for the same
period.
Cheapest Full Coverage Car Insurance in Lake Spring
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 Spring is American Family
at $79 per month and $464
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lake Spring,
MO
Get Your Car Insurance Quote in Lake Spring
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Average Car Insurance in Lake Spring 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 Spring, MO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lake Spring, 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 Spring'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 Spring
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Lake Spring,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 Spring at $39
per
month. At $8668 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Lake Spring.
As young drivers face the highest rates in Lake Spring, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Spring,
Kemper is
the cheapest car insurance provider. At $425 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 Spring is Farmers, offering
rates of around $5381 for six
months.
Save up to $971/yr on car insurance rates in Lake Spring.
Car Insurance Rates with An Accident in Lake Spring
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 Spring, MO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lake Spring
The cheapest car insurance companies after an at-fault accident in
Lake Spring include Missouri Farm Bureau
and Electric, offering $193
and $276,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3773.
Here is a list of driving violations that can increase your car
insurance rates in Lake Spring MO. For example, the car
insurance in Lake Spring
after a DUI increases to $752 for a six
month policy. While the rate increases by $260 for a six-month policy in the case of
a speeding ticket.
Lake Spring auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1486
$247
One Med/PIP claim
$1486
$253
Not-at-fault accident
$1530
$255
One comp claim
$1541
$262
Two Med/PIP claims
$1541
$257
Two comp claims
$1641
$279
Failure to wear a seat belt
$1685
$281
Failure to show documents
$1691
$287
Child safety restraint
$1718
$286
Driving without lights
$1718
$292
Driving with expired registration
$1729
$288
Cell phone violation
$1740
$296
Driving too slowly
$1740
$290
Following too closely
$1740
$296
Speeding in school zone
$1740
$290
Failure to yield
$1746
$297
Speeding 11 - 15 MPH over limit
$1746
$291
Speeding 16 - 20 MPH over limit
$1746
$297
Speeding 6 - 10 MPH over limit
$1746
$291
Texting while driving
$1746
$297
Illegal turn
$1751
$292
Wrong way/wrong lane
$1751
$298
Failure to stop at a red light
$1757
$293
Improper passing
$1757
$299
Speeding 21 - 25 MPH over limit
$1757
$293
In 65 MPH zone
$1768
$300
Passing school bus
$1800
$300
Open container
$1856
$315
Operating a vehicle without permission
$1900
$317
At-fault accident - less than $1000
$2055
$350
At-fault accident - $1000-$2000
$2171
$362
At-fault accident - greater than $2000
$2171
$369
Refusal to submit to a chemical test
$2199
$366
DUI
$2238
$380
Driving with a suspended license
$2287
$381
Racing
$2343
$398
Leaving scene of an accident/hit and run
$2375
$396
Reckless driving
$2403
$408
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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 Spring 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 Spring.
The cheapest car insurance premiums in
Lake Spring are
offered by Missouri Farm Bureau at $232 for a six-month policy.
However, it can be as
expensive as $4839 with companies
like Farmers.
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 Spring are offered by American Family
at $299. However,
it can be as expensive as $3359
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Lake Spring after Speeding ticket
Car Insurance Price Trends in Lake Spring,
Missouri
Car insurance rates in Lake Spring have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lake Spring rose by
$207 in January
compared to $121 of December. In other words, there has been an increase by $86 when you
compare January and December.
The average cost of liability insurance in the Lake Spring rose to $52 in January,
compared to $45 in December.
This represents an increase of $7
when comparing January and December.
Average Car Insurance Cost in Lake Spring by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Lake Spring. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Lake Spring?
The car insurance in Lake Spring is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Lake Spring?
The cheapest car insurance in Lake Spring
is $79 per month
for full coverage.
How much is car insurance in Lake Spring for teenagers?
Car insurance for teenagers costs $232 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 Spring?
The average cost of car insurance is $1164 for a six-month
policy. It will cost around $182 per month to insure your
car in Lake Spring.
Is car insurance expensive in Lake Spring?
Car insurance can be expensive in Lake Spring if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lake Spring can be
affordable.
What is the best car insurance in Lake Spring,
MO?
The best car insurance company in Lake Spring
MO is
American Family, offering $464 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lake Spring, MO
Car Insurance Rates by State in the USA (2025 Update)
Lake Spring Car Insurance
