Cheapest Car Insurance Quotes in Ludlow

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Ludlow 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 Ludlow

The car insurance rate in Ludlow is $1129 for a six-month policy, which is $35 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $484, making it a popular choice for budget-conscious drivers. Rates in Ludlow 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 Ludlow

$1129

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Ludlow

1st place: American Family

At $484 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 $651 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $668 for six months, making it the third cheapest auto insurance company in Ludlow.

Ludlow Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ludlow, MO is American Family, offering policies at just $484 for a six-month term. This is followed by USAA, which has an average six-month premium of $651.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2760 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ludlow drivers find the best deals.

Cheap Car Insurance Companies in Ludlow, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$484	$82
USAA	$651	$110
Travelers	$668	$113
Encompass	$911	$151
Shelter	$939	$158
State Farm	$1025	$173
Electric	$1060	$180
Farm Bureau	$1089	$181
Missouri Farm Bureau	$1158	$197
Progressive	$1199	$202
Allstate	$1285	$216
Nationwide	$1452	$242
Farmers	$2760	$469

Key Takeaways

Way's key takeaways about car insurance in Ludlow

The auto insurance costs in Ludlow fall around $484 for six months.
The cheapest auto insurance company in Ludlow is USAA.
Teen drivers pay the highest rate in Ludlow at $1506 per month.

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Cheapest Minimum Liability Car Insurance in Ludlow

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 Ludlow are given below.

USAA provides the cheapest minimum car insurance coverage in Ludlow. Their Average 6 Month Premium is $167. Farmers is the most expensive at $991 for the same period.

Cheapest Liability Coverage in Ludlow, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$167	$28
Missouri Farm Bureau	$184	$31
Electric	$237	$40
Travelers	$242	$41
Farm Bureau	$247	$42
American Family	$259	$44
Encompass	$271	$46
Progressive	$276	$47
Shelter	$340	$57
State Farm	$363	$61
Nationwide	$582	$97
Allstate	$605	$102
Farmers	$991	$165

Cheapest Full Coverage Car Insurance in Ludlow

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 Ludlow is American Family at $82 per month and $484 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ludlow, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$484	$82
USAA	$651	$110
Travelers	$668	$113
Encompass	$911	$151
Shelter	$939	$158
State Farm	$1025	$173
Electric	$1060	$180
Farm Bureau	$1089	$181
Missouri Farm Bureau	$1158	$197
Progressive	$1199	$202
Allstate	$1285	$216
Nationwide	$1452	$242
Farmers	$2760	$469

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Average Car Insurance in Ludlow 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 Ludlow, MO increasing?

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

Car Insurance Premiums by Age in Ludlow

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 Ludlow,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 Ludlow at $41 per month. At $9040 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	$242	$41
American Family	$276	$47
Travelers	$1049	$177
USAA	$1060	$178
Progressive	$2022	$340
State Farm	$2086	$351
Shelter	$2328	$392
Farm Bureau	$2829	$481
Allstate	$3676	$619
Nationwide	$4431	$754
Farmers	$9040	$1506

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 Ludlow, Kemper is the cheapest car insurance provider. At $443 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 Ludlow is Farmers, offering rates of around $5612 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$443	$76
American Family	$472	$79
Nationwide	$547	$93
Travelers	$882	$148
USAA	$1019	$174
Progressive	$1285	$216
Shelter	$1475	$248
Farm Bureau	$1832	$306
Allstate	$2150	$362
State Farm	$3890	$648
Farmers	$5612	$954

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Car Insurance Rates with An Accident in Ludlow

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

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

The cheapest car insurance companies after an at-fault accident in Ludlow include Missouri Farm Bureau and Electric, offering $202 and $288, respectively. Farmers is an expensive provider with an average six-month premium of $3935.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$202	$34
Electric	$288	$49
American Family	$317	$52
Encompass	$369	$63
USAA	$525	$88
Travelers	$594	$100
Progressive	$870	$146
State Farm	$905	$152
Shelter	$1014	$171
Farm Bureau	$1406	$239
Nationwide	$2150	$358
Allstate	$2610	$439
Farmers	$3935	$656

Ludlow Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ludlow MO. For example, the car insurance in Ludlow after a DUI increases to $784 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Ludlow auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1550	$258
One Med/PIP claim	$1550	$264
Not-at-fault accident	$1596	$266
One comp claim	$1607	$274
Two Med/PIP claims	$1607	$268
Two comp claims	$1711	$291
Failure to wear a seat belt	$1758	$293
Failure to show documents	$1763	$300
Child safety restraint	$1792	$299
Driving without lights	$1792	$305
Driving with expired registration	$1803	$301
Cell phone violation	$1815	$308
Driving too slowly	$1815	$303
Following too closely	$1815	$308
Speeding in school zone	$1815	$303
Failure to yield	$1821	$309
Speeding 11 - 15 MPH over limit	$1821	$304
Speeding 16 - 20 MPH over limit	$1821	$309
Speeding 6 - 10 MPH over limit	$1821	$304
Texting while driving	$1821	$309
Illegal turn	$1827	$305
Wrong way/wrong lane	$1827	$310
Failure to stop at a red light	$1832	$306
Improper passing	$1832	$311
Speeding 21 - 25 MPH over limit	$1832	$306
In 65 MPH zone	$1844	$313
Passing school bus	$1878	$313
Open container	$1936	$329
Operating a vehicle without permission	$1982	$331
At-fault accident - less than $1000	$2144	$365
At-fault accident - $1000-$2000	$2264	$377
At-fault accident - greater than $2000	$2264	$385
Refusal to submit to a chemical test	$2293	$382
DUI	$2334	$397
Driving with a suspended license	$2385	$398
Racing	$2443	$415
Leaving scene of an accident/hit and run	$2477	$413
Reckless driving	$2506	$426

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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 Ludlow 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 Ludlow.

The cheapest car insurance premiums in Ludlow are offered by Missouri Farm Bureau at $242 for a six-month policy. However, it can be as expensive as $5047 with companies like Farmers.

Ludlow car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$242	$41
American Family	$311	$51
Kemper	$386	$66
Travelers	$623	$105
USAA	$795	$134
Progressive	$835	$141
Shelter	$1129	$190
State Farm	$1227	$207
Farm Bureau	$1325	$225
Allstate	$2138	$360
Nationwide	$2679	$456
Farmers	$5047	$841

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 Ludlow are offered by American Family at $311. However, it can be as expensive as $3504 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ludlow after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$311	$53
Travelers	$645	$109
USAA	$668	$113
Shelter	$743	$125
State Farm	$795	$134
Progressive	$968	$163
Farm Bureau	$1123	$191
Allstate	$1942	$324
Farmers	$3504	$596

Car Insurance Price Trends in Ludlow, Missouri

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

The average cost of full coverage in the Ludlow rose by $216 in January compared to $126 of December. In other words, there has been an increase by $90 when you compare January and December.

The average cost of liability insurance in the Ludlow rose to $54 in January, compared to $47 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ludlow?

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

What is the cheapest car insurance in Ludlow?

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

How much is car insurance in Ludlow for teenagers?

Car insurance for teenagers costs $242 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 Ludlow?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $190 per month to insure your car in Ludlow.

Is car insurance expensive in Ludlow?

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

Cheapest Car Insurance Quotes in Ludlow

Why you can trust Way?

How Much Is Car Insurance in Ludlow

Avg. Car Insurance in Ludlow

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Ludlow

1st place: American Family

2nd place: USAA

3rd place: Travelers

Ludlow Car Insurance Rates by Company

Cheap Car Insurance Companies in Ludlow, MO

Way's key takeaways about car insurance in Ludlow

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ludlow

Cheapest Liability Coverage in Ludlow, MO

Cheapest Full Coverage Car Insurance in Ludlow

Cheapest Full Coverage Car Insurance Quotes in Ludlow, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ludlow by Rating Factor

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

Car Insurance Premiums by Age in Ludlow

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ludlow,MO

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

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 Ludlow

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

Ludlow Car Insurance Rates by Violation

Ludlow auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ludlow after a DUI

Ludlow car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ludlow after Speeding ticket

Car Insurance Price Trends in Ludlow, Missouri

Average Car Insurance Cost in Ludlow by ZIP Code

Frequently Asked Questions

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