Cheapest Car Insurance Quotes in Lakeshire

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Lakeshire Car Insurance

^$ 31

/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 Lakeshire

The car insurance rate in Lakeshire is $1234 for a six-month policy, which is $70 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $529, making it a popular choice for budget-conscious drivers. Rates in Lakeshire 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 Lakeshire

$1234

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Lakeshire

1st place: American Family

At $529 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 $711 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $730 for six months, making it the third cheapest auto insurance company in Lakeshire.

Lakeshire Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lakeshire, MO is American Family, offering policies at just $529 for a six-month term. This is followed by USAA, which has an average six-month premium of $711.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3016 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lakeshire drivers find the best deals.

Cheap Car Insurance Companies in Lakeshire, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$529	$90
USAA	$711	$120
Travelers	$730	$123
Encompass	$995	$165
Shelter	$1026	$173
State Farm	$1120	$189
Electric	$1159	$197
Farm Bureau	$1190	$198
Missouri Farm Bureau	$1266	$215
Progressive	$1310	$220
Allstate	$1405	$236
Nationwide	$1587	$264
Farmers	$3016	$513

Key Takeaways

Way's key takeaways about car insurance in Lakeshire

The auto insurance costs in Lakeshire fall around $529 for six months.
The cheapest auto insurance company in Lakeshire is USAA.
Teen drivers pay the highest rate in Lakeshire at $1646 per month.

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Cheapest Minimum Liability Car Insurance in Lakeshire

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 Lakeshire are given below.

USAA provides the cheapest minimum car insurance coverage in Lakeshire. Their Average 6 Month Premium is $182. Farmers is the most expensive at $1083 for the same period.

Cheapest Liability Coverage in Lakeshire, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$182	$31
Missouri Farm Bureau	$201	$34
Electric	$259	$43
Travelers	$264	$45
Farm Bureau	$270	$46
American Family	$283	$48
Encompass	$296	$50
Progressive	$302	$51
Shelter	$371	$63
State Farm	$396	$67
Nationwide	$636	$106
Allstate	$661	$111
Farmers	$1083	$180

Cheapest Full Coverage Car Insurance in Lakeshire

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 Lakeshire is American Family at $90 per month and $529 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lakeshire, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$529	$90
USAA	$711	$120
Travelers	$730	$123
Encompass	$995	$165
Shelter	$1026	$173
State Farm	$1120	$189
Electric	$1159	$197
Farm Bureau	$1190	$198
Missouri Farm Bureau	$1266	$215
Progressive	$1310	$220
Allstate	$1405	$236
Nationwide	$1587	$264
Farmers	$3016	$513

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Average Car Insurance in Lakeshire 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 Lakeshire, MO increasing?

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

Car Insurance Premiums by Age in Lakeshire

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 Lakeshire,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 Lakeshire at $45 per month. At $9879 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	$264	$45
American Family	$302	$51
Travelers	$1146	$193
USAA	$1159	$195
Progressive	$2210	$372
State Farm	$2279	$384
Shelter	$2544	$428
Farm Bureau	$3092	$526
Allstate	$4017	$676
Nationwide	$4842	$824
Farmers	$9879	$1646

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 Lakeshire, Kemper is the cheapest car insurance provider. At $484 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 Lakeshire is Farmers, offering rates of around $6133 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$484	$83
American Family	$516	$86
Nationwide	$598	$102
Travelers	$964	$162
USAA	$1114	$190
Progressive	$1405	$236
Shelter	$1612	$271
Farm Bureau	$2002	$334
Allstate	$2349	$395
State Farm	$4251	$708
Farmers	$6133	$1043

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Car Insurance Rates with An Accident in Lakeshire

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

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

The cheapest car insurance companies after an at-fault accident in Lakeshire include Missouri Farm Bureau and Electric, offering $220 and $315, respectively. Farmers is an expensive provider with an average six-month premium of $4300.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$220	$37
Electric	$315	$54
American Family	$347	$57
Encompass	$403	$69
USAA	$573	$96
Travelers	$649	$109
Progressive	$951	$160
State Farm	$989	$166
Shelter	$1108	$187
Farm Bureau	$1536	$261
Nationwide	$2349	$391
Allstate	$2852	$480
Farmers	$4300	$717

Lakeshire Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lakeshire MO. For example, the car insurance in Lakeshire after a DUI increases to $856 for a six month policy. While the rate increases by $296 for a six-month policy in the case of a speeding ticket.

Lakeshire auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1694	$282
One Med/PIP claim	$1694	$288
Not-at-fault accident	$1744	$290
One comp claim	$1756	$299
Two Med/PIP claims	$1756	$293
Two comp claims	$1870	$318
Failure to wear a seat belt	$1921	$320
Failure to show documents	$1927	$328
Child safety restraint	$1958	$326
Driving without lights	$1958	$333
Driving with expired registration	$1971	$329
Cell phone violation	$1983	$337
Driving too slowly	$1983	$331
Following too closely	$1983	$337
Speeding in school zone	$1983	$331
Failure to yield	$1990	$338
Speeding 11 - 15 MPH over limit	$1990	$332
Speeding 16 - 20 MPH over limit	$1990	$338
Speeding 6 - 10 MPH over limit	$1990	$332
Texting while driving	$1990	$338
Illegal turn	$1996	$333
Wrong way/wrong lane	$1996	$339
Failure to stop at a red light	$2002	$334
Improper passing	$2002	$340
Speeding 21 - 25 MPH over limit	$2002	$334
In 65 MPH zone	$2015	$342
Passing school bus	$2052	$342
Open container	$2116	$359
Operating a vehicle without permission	$2166	$361
At-fault accident - less than $1000	$2343	$399
At-fault accident - $1000-$2000	$2474	$412
At-fault accident - greater than $2000	$2474	$421
Refusal to submit to a chemical test	$2506	$418
DUI	$2550	$434
Driving with a suspended license	$2607	$435
Racing	$2670	$454
Leaving scene of an accident/hit and run	$2707	$452
Reckless driving	$2739	$465

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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 Lakeshire 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 Lakeshire.

The cheapest car insurance premiums in Lakeshire are offered by Missouri Farm Bureau at $264 for a six-month policy. However, it can be as expensive as $5515 with companies like Farmers.

Lakeshire car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$264	$45
American Family	$340	$56
Kemper	$422	$72
Travelers	$681	$114
USAA	$869	$146
Progressive	$913	$154
Shelter	$1234	$208
State Farm	$1341	$226
Farm Bureau	$1448	$246
Allstate	$2336	$393
Nationwide	$2928	$498
Farmers	$5515	$919

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 Lakeshire are offered by American Family at $340. However, it can be as expensive as $3829 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lakeshire after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$340	$58
Travelers	$705	$119
USAA	$730	$124
Shelter	$812	$137
State Farm	$869	$146
Progressive	$1058	$178
Farm Bureau	$1227	$209
Allstate	$2122	$354
Farmers	$3829	$651

Car Insurance Price Trends in Lakeshire, Missouri

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

The average cost of full coverage in the Lakeshire rose by $236 in January compared to $138 of December. In other words, there has been an increase by $98 when you compare January and December.

The average cost of liability insurance in the Lakeshire rose to $59 in January, compared to $51 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 Lakeshire?

The car insurance in Lakeshire is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Lakeshire?

The cheapest car insurance in Lakeshire is $90 per month for full coverage.

How much is car insurance in Lakeshire for teenagers?

Car insurance for teenagers costs $264 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 Lakeshire?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $208 per month to insure your car in Lakeshire.

Is car insurance expensive in Lakeshire?

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

Cheapest Car Insurance Quotes in Lakeshire

Why you can trust Way?

How Much Is Car Insurance in Lakeshire

Avg. Car Insurance in Lakeshire

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Lakeshire

1st place: American Family

2nd place: USAA

3rd place: Travelers

Lakeshire Car Insurance Rates by Company

Cheap Car Insurance Companies in Lakeshire, MO

Way's key takeaways about car insurance in Lakeshire

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lakeshire

Cheapest Liability Coverage in Lakeshire, MO

Cheapest Full Coverage Car Insurance in Lakeshire

Cheapest Full Coverage Car Insurance Quotes in Lakeshire, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lakeshire by Rating Factor

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

Car Insurance Premiums by Age in Lakeshire

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lakeshire,MO

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

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 Lakeshire

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

Lakeshire Car Insurance Rates by Violation

Lakeshire auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lakeshire after a DUI

Lakeshire car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lakeshire after Speeding ticket

Car Insurance Price Trends in Lakeshire, Missouri

Average Car Insurance Cost in Lakeshire by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lakeshire, MO

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

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