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Finding the cheapest car insurance quotes in Luebbering 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 Luebbering
The car insurance rate in Luebbering is $1362 for a six-month policy, which is $198 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $584, making it a popular choice for budget-conscious drivers. Rates in Luebbering 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 $584 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 $785 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $806
for six months, making it
the third cheapest auto insurance company in Luebbering.
Luebbering Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Luebbering, MO is American Family, offering policies at just $584 for a six-month term. This is followed by USAA, which has an average six-month premium of $785.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3329 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Luebbering drivers find the best deals.
Way's key takeaways about car insurance in Luebbering
The auto insurance costs in Luebbering fall around $584 for six
months.
The cheapest auto insurance company in Luebbering is USAA.
Teen drivers pay the highest rate in Luebbering at $1817 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 Luebbering
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 Luebbering are given below.
USAA provides
the cheapest minimum car insurance
coverage in Luebbering. Their Average 6 Month Premium is $201.
Farmers is the most
expensive at $1196 for the same
period.
Cheapest Full Coverage Car Insurance in Luebbering
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 Luebbering is American Family
at $99 per month and $584
for six months.
Cheapest Full Coverage Car Insurance Quotes in Luebbering,
MO
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Average Car Insurance in Luebbering 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 Luebbering, MO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Luebbering, 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, Luebbering's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Luebbering
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
Luebbering,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 Luebbering at $49
per
month. At $10904 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 Luebbering.
As young drivers face the highest rates in Luebbering, 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 Luebbering,
Kemper is
the cheapest car insurance provider. At $535 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
Luebbering is Farmers, offering
rates of around $6770 for six
months.
Save up to $971/yr on car insurance rates in Luebbering.
Car Insurance Rates with An Accident in Luebbering
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 Luebbering, MO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Luebbering
The cheapest car insurance companies after an at-fault accident in
Luebbering include Missouri Farm Bureau
and Electric, offering $243
and $347,
respectively. Farmers is an expensive provider
with an average six-month premium of
$4747.
Here is a list of driving violations that can increase your car
insurance rates in Luebbering MO. For example, the car
insurance in Luebbering
after a DUI increases to $945 for a six
month policy. While the rate increases by $326 for a six-month policy in the case of
a speeding ticket.
Luebbering auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1870
$311
One Med/PIP claim
$1870
$318
Not-at-fault accident
$1925
$321
One comp claim
$1939
$330
Two Med/PIP claims
$1939
$323
Two comp claims
$2064
$351
Failure to wear a seat belt
$2120
$353
Failure to show documents
$2127
$362
Child safety restraint
$2161
$360
Driving without lights
$2161
$367
Driving with expired registration
$2175
$363
Cell phone violation
$2189
$372
Driving too slowly
$2189
$365
Following too closely
$2189
$372
Speeding in school zone
$2189
$365
Failure to yield
$2196
$373
Speeding 11 - 15 MPH over limit
$2196
$366
Speeding 16 - 20 MPH over limit
$2196
$373
Speeding 6 - 10 MPH over limit
$2196
$366
Texting while driving
$2196
$373
Illegal turn
$2203
$367
Wrong way/wrong lane
$2203
$374
Failure to stop at a red light
$2210
$369
Improper passing
$2210
$376
Speeding 21 - 25 MPH over limit
$2210
$369
In 65 MPH zone
$2224
$378
Passing school bus
$2265
$378
Open container
$2335
$397
Operating a vehicle without permission
$2390
$399
At-fault accident - less than $1000
$2586
$440
At-fault accident - $1000-$2000
$2731
$455
At-fault accident - greater than $2000
$2731
$464
Refusal to submit to a chemical test
$2766
$461
DUI
$2815
$479
Driving with a suspended license
$2877
$480
Racing
$2947
$501
Leaving scene of an accident/hit and run
$2988
$498
Reckless driving
$3023
$514
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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 Luebbering 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 Luebbering.
The cheapest car insurance premiums in
Luebbering are
offered by Missouri Farm Bureau at $291 for a six-month policy.
However, it can be as
expensive as $6088 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 Luebbering are offered by American Family
at $376. However,
it can be as expensive as $4226
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Luebbering after Speeding ticket
Car Insurance Price Trends in Luebbering,
Missouri
Car insurance rates in Luebbering have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Luebbering rose by
$261 in January
compared to $152 of December. In other words, there has been an increase by $109 when you
compare January and December.
The average cost of liability insurance in the Luebbering rose to $66 in January,
compared to $56 in December.
This represents an increase of $10
when comparing January and December.
Average Car Insurance Cost in Luebbering 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
Luebbering. At $2723 for a
six-month policy, insuring
your car at 63061 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 Luebbering?
The car insurance in Luebbering is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Luebbering?
The cheapest car insurance in Luebbering
is $99 per month
for full coverage.
How much is car insurance in Luebbering for teenagers?
Car insurance for teenagers costs $291 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
Luebbering?
The average cost of car insurance is $1164 for a six-month
policy. It will cost around $229 per month to insure your
car in Luebbering.
Is car insurance expensive in Luebbering?
Car insurance can be expensive in Luebbering if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Luebbering can be
affordable.
What is the best car insurance in Luebbering,
MO?
The best car insurance company in Luebbering
MO is
American Family, offering $584 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Luebbering, MO
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Luebbering Car Insurance
