Cheapest Car Insurance Quotes in Lebanon

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399,755 Policies Sold

Lebanon Car Insurance

^$ 26

/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 Lebanon

The car insurance rate in Lebanon is $863 for a six-month policy, which is $118 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $439, making it a popular choice for budget-conscious drivers. Rates in Lebanon 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 Lebanon

$863

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Lebanon

1st place: American Family

At $439 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $554 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $617 for six months, making it the third cheapest auto insurance company in Lebanon.

Lebanon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lebanon, MO is American Family, offering policies at just $439 for a six-month term. This is followed by Travelers, which has an average six-month premium of $554.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1317 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lebanon drivers find the best deals.

Cheap Car Insurance Companies in Lebanon, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$439	$75
Travelers	$554	$93
USAA	$617	$104
Shelter	$821	$138
Encompass	$826	$141
State Farm	$873	$147
Electric	$962	$164
Allstate	$994	$167
Progressive	$1045	$176
Missouri Farm Bureau	$1051	$175
Nationwide	$1317	$224

Key Takeaways

Way's key takeaways about car insurance in Lebanon

The auto insurance costs in Lebanon fall around $439 for six months.
The cheapest auto insurance company in Lebanon is USAA.
Teen drivers pay the highest rate in Lebanon at $670 per month.

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Cheapest Minimum Liability Car Insurance in Lebanon

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 Lebanon are given below.

USAA provides the cheapest minimum car insurance coverage in Lebanon. Their Average 6 Month Premium is $151. Nationwide is the most expensive at $528 for the same period.

Cheapest Liability Coverage in Lebanon, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$151	$26
Missouri Farm Bureau	$167	$28
Travelers	$204	$34
Electric	$215	$36
Progressive	$230	$39
American Family	$235	$40
Encompass	$246	$41
Shelter	$293	$49
State Farm	$313	$53
Allstate	$471	$80
Nationwide	$528	$88

Cheapest Full Coverage Car Insurance in Lebanon

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 Lebanon is American Family at $75 per month and $439 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lebanon, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$439	$75
Travelers	$554	$93
USAA	$617	$104
Shelter	$821	$138
Encompass	$826	$141
State Farm	$873	$147
Electric	$962	$164
Allstate	$994	$167
Progressive	$1045	$176
Missouri Farm Bureau	$1051	$175
Nationwide	$1317	$224

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Average Car Insurance in Lebanon 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 Lebanon, MO increasing?

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

Car Insurance Premiums by Age in Lebanon

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 Lebanon,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 Lebanon at $37 per month. At $4020 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$219	$37
American Family	$251	$42
Travelers	$601	$101
USAA	$925	$156
Progressive	$1349	$227
State Farm	$1511	$254
Shelter	$1783	$297
Allstate	$3591	$611
Nationwide	$4020	$670

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 Lebanon, Progressive is the cheapest car insurance provider. At $319 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 Lebanon is Allstate, offering rates of around $512 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$319	$55
Travelers	$329	$55
Kemper	$402	$69
American Family	$429	$71
Shelter	$450	$77
Nationwide	$496	$83
Allstate	$512	$87

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Lebanon.

Car Insurance Rates with An Accident in Lebanon

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

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

The cheapest car insurance companies after an at-fault accident in Lebanon include Missouri Farm Bureau and Electric, offering $183 and $261, respectively. Allstate is an expensive provider with an average six-month premium of $2117.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$183	$31
Electric	$261	$45
American Family	$288	$48
Encompass	$334	$57
Travelers	$397	$67
USAA	$407	$69
Progressive	$569	$96
State Farm	$690	$116
Shelter	$774	$130
Nationwide	$1950	$332
Allstate	$2117	$353

Lebanon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lebanon MO. For example, the car insurance in Lebanon after a DUI increases to $711 for a six month policy. While the rate increases by $246 for a six-month policy in the case of a speeding ticket.

Lebanon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1406	$234
One Med/PIP claim	$1406	$239
Not-at-fault accident	$1448	$241
One comp claim	$1458	$248
Two Med/PIP claims	$1458	$243
Two comp claims	$1552	$264
Failure to wear a seat belt	$1595	$266
Failure to show documents	$1600	$272
Child safety restraint	$1625	$271
Driving without lights	$1625	$276
Driving with expired registration	$1636	$273
Cell phone violation	$1646	$280
Driving too slowly	$1646	$275
Following too closely	$1646	$280
Speeding in school zone	$1646	$275
Failure to yield	$1652	$281
Speeding 11 - 15 MPH over limit	$1652	$275
Speeding 16 - 20 MPH over limit	$1652	$281
Speeding 6 - 10 MPH over limit	$1652	$275
Texting while driving	$1652	$281
Illegal turn	$1657	$276
Wrong way/wrong lane	$1657	$282
Failure to stop at a red light	$1662	$277
Improper passing	$1662	$282
Speeding 21 - 25 MPH over limit	$1662	$277
In 65 MPH zone	$1673	$284
Passing school bus	$1704	$284
Open container	$1756	$298
Operating a vehicle without permission	$1798	$300
At-fault accident - less than $1000	$1945	$331
At-fault accident - $1000-$2000	$2054	$342
At-fault accident - greater than $2000	$2054	$349
Refusal to submit to a chemical test	$2080	$347
DUI	$2117	$360
Driving with a suspended license	$2164	$361
Racing	$2217	$377
Leaving scene of an accident/hit and run	$2248	$375
Reckless driving	$2274	$386

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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 Lebanon 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 Lebanon.

The cheapest car insurance premiums in Lebanon are offered by Missouri Farm Bureau at $219 for a six-month policy. However, it can be as expensive as $2431 with companies like Nationwide.

Lebanon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$219	$37
American Family	$282	$47
Kemper	$350	$60
Travelers	$423	$71
Progressive	$523	$88
USAA	$649	$109
State Farm	$732	$123
Shelter	$852	$143
Allstate	$1840	$313
Nationwide	$2431	$405

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 Lebanon are offered by Progressive at $251. However, it can be as expensive as $377 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Lebanon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$251	$42
Travelers	$267	$44
American Family	$282	$48
State Farm	$313	$52
Shelter	$377	$64

Car Insurance Price Trends in Lebanon, Missouri

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

The average cost of full coverage in the Lebanon remained steady at $114 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lebanon remained steady at $42 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Lebanon?

The car insurance in Lebanon is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Lebanon?

The cheapest car insurance in Lebanon is $75 per month for full coverage.

How much is car insurance in Lebanon for teenagers?

Car insurance for teenagers costs $219 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 Lebanon?

The average cost of car insurance is $981 for a six-month policy. It will cost around $145 per month to insure your car in Lebanon.

Is car insurance expensive in Lebanon?

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

Cheapest Car Insurance Quotes in Lebanon

Why you can trust Way?

How Much Is Car Insurance in Lebanon

Avg. Car Insurance in Lebanon

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Lebanon

1st place: American Family

2nd place: Travelers

3rd place: USAA

Lebanon Car Insurance Rates by Company

Cheap Car Insurance Companies in Lebanon, MO

Way's key takeaways about car insurance in Lebanon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lebanon

Cheapest Liability Coverage in Lebanon, MO

Cheapest Full Coverage Car Insurance in Lebanon

Cheapest Full Coverage Car Insurance Quotes in Lebanon, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lebanon by Rating Factor

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

Car Insurance Premiums by Age in Lebanon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lebanon,MO

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

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 Lebanon

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

Lebanon Car Insurance Rates by Violation

Lebanon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lebanon after a DUI

Lebanon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lebanon after Speeding ticket

Car Insurance Price Trends in Lebanon, Missouri

Average Car Insurance Cost in Lebanon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lebanon, MO

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

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