Cheapest Car Insurance Quotes in Merriam Woods

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Merriam Woods Car Insurance

^$ 27

/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 Merriam Woods

The car insurance rate in Merriam Woods is $1094 for a six-month policy, which is $70 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $469, making it a popular choice for budget-conscious drivers. Rates in Merriam Woods 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 Merriam Woods

$1094

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Merriam Woods

1st place: American Family

At $469 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 $631 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $648 for six months, making it the third cheapest auto insurance company in Merriam Woods.

Merriam Woods Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Merriam Woods, MO is American Family, offering policies at just $469 for a six-month term. This is followed by USAA, which has an average six-month premium of $631.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2674 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Merriam Woods drivers find the best deals.

Cheap Car Insurance Companies in Merriam Woods, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$469	$80
USAA	$631	$106
Travelers	$648	$109
Encompass	$883	$147
Shelter	$910	$153
State Farm	$994	$167
Electric	$1027	$175
Farm Bureau	$1056	$176
Missouri Farm Bureau	$1122	$191
Progressive	$1162	$196
Allstate	$1246	$210
Nationwide	$1407	$234
Farmers	$2674	$455

Key Takeaways

Way's key takeaways about car insurance in Merriam Woods

The auto insurance costs in Merriam Woods fall around $469 for six months.
The cheapest auto insurance company in Merriam Woods is USAA.
Teen drivers pay the highest rate in Merriam Woods at $1460 per month.

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Cheapest Minimum Liability Car Insurance in Merriam Woods

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 Merriam Woods are given below.

USAA provides the cheapest minimum car insurance coverage in Merriam Woods. Their Average 6 Month Premium is $162. Farmers is the most expensive at $961 for the same period.

Cheapest Liability Coverage in Merriam Woods, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$162	$27
Missouri Farm Bureau	$179	$30
Electric	$229	$39
Travelers	$234	$39
Farm Bureau	$240	$40
American Family	$251	$42
Encompass	$262	$44
Progressive	$268	$45
Shelter	$329	$55
State Farm	$352	$59
Nationwide	$564	$94
Allstate	$587	$99
Farmers	$961	$160

Cheapest Full Coverage Car Insurance in Merriam Woods

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 Merriam Woods is American Family at $80 per month and $469 for six months.

Cheapest Full Coverage Car Insurance Quotes in Merriam Woods, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$469	$80
USAA	$631	$106
Travelers	$648	$109
Encompass	$883	$147
Shelter	$910	$153
State Farm	$994	$167
Electric	$1027	$175
Farm Bureau	$1056	$176
Missouri Farm Bureau	$1122	$191
Progressive	$1162	$196
Allstate	$1246	$210
Nationwide	$1407	$234
Farmers	$2674	$455

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Average Car Insurance in Merriam Woods 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 Merriam Woods, MO increasing?

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

Car Insurance Premiums by Age in Merriam Woods

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 Merriam Woods,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 Merriam Woods at $39 per month. At $8761 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	$234	$39
American Family	$268	$45
Travelers	$1016	$171
USAA	$1027	$173
Progressive	$1960	$330
State Farm	$2021	$340
Shelter	$2256	$380
Farm Bureau	$2742	$466
Allstate	$3563	$600
Nationwide	$4294	$730
Farmers	$8761	$1460

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 Merriam Woods, Kemper is the cheapest car insurance provider. At $430 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 Merriam Woods is Farmers, offering rates of around $5439 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$430	$73
American Family	$458	$76
Nationwide	$530	$90
Travelers	$854	$144
USAA	$988	$168
Progressive	$1246	$210
Shelter	$1430	$241
Farm Bureau	$1776	$296
Allstate	$2083	$351
State Farm	$3769	$628
Farmers	$5439	$925

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Car Insurance Rates with An Accident in Merriam Woods

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

Cheapest Car Insurance Companies after an At-Fault Accident in Merriam Woods

The cheapest car insurance companies after an at-fault accident in Merriam Woods include Missouri Farm Bureau and Electric, offering $196 and $279, respectively. Farmers is an expensive provider with an average six-month premium of $3814.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$196	$33
Electric	$279	$48
American Family	$307	$51
Encompass	$357	$61
USAA	$509	$86
Travelers	$575	$97
Progressive	$843	$142
State Farm	$877	$148
Shelter	$982	$165
Farm Bureau	$1362	$231
Nationwide	$2083	$347
Allstate	$2530	$426
Farmers	$3814	$635

Merriam Woods Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Merriam Woods MO. For example, the car insurance in Merriam Woods after a DUI increases to $760 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Merriam Woods auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1502	$250
One Med/PIP claim	$1502	$256
Not-at-fault accident	$1546	$258
One comp claim	$1558	$265
Two Med/PIP claims	$1558	$259
Two comp claims	$1658	$282
Failure to wear a seat belt	$1703	$284
Failure to show documents	$1709	$290
Child safety restraint	$1736	$290
Driving without lights	$1736	$295
Driving with expired registration	$1747	$291
Cell phone violation	$1759	$299
Driving too slowly	$1759	$293
Following too closely	$1759	$299
Speeding in school zone	$1759	$293
Failure to yield	$1764	$300
Speeding 11 - 15 MPH over limit	$1764	$294
Speeding 16 - 20 MPH over limit	$1764	$300
Speeding 6 - 10 MPH over limit	$1764	$294
Texting while driving	$1764	$300
Illegal turn	$1770	$295
Wrong way/wrong lane	$1770	$301
Failure to stop at a red light	$1776	$296
Improper passing	$1776	$302
Speeding 21 - 25 MPH over limit	$1776	$296
In 65 MPH zone	$1787	$304
Passing school bus	$1820	$304
Open container	$1876	$319
Operating a vehicle without permission	$1920	$321
At-fault accident - less than $1000	$2077	$353
At-fault accident - $1000-$2000	$2194	$366
At-fault accident - greater than $2000	$2194	$373
Refusal to submit to a chemical test	$2222	$370
DUI	$2262	$384
Driving with a suspended license	$2311	$385
Racing	$2368	$402
Leaving scene of an accident/hit and run	$2401	$400
Reckless driving	$2429	$413

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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 Merriam Woods 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 Merriam Woods.

The cheapest car insurance premiums in Merriam Woods are offered by Missouri Farm Bureau at $234 for a six-month policy. However, it can be as expensive as $4891 with companies like Farmers.

Merriam Woods car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$234	$39
American Family	$302	$50
Kemper	$374	$64
Travelers	$603	$102
USAA	$771	$130
Progressive	$809	$136
Shelter	$1094	$184
State Farm	$1189	$200
Farm Bureau	$1284	$218
Allstate	$2072	$349
Nationwide	$2596	$442
Farmers	$4891	$815

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 Merriam Woods are offered by American Family at $302. However, it can be as expensive as $3395 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Merriam Woods after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$302	$52
Travelers	$625	$105
USAA	$648	$110
Shelter	$720	$121
State Farm	$771	$130
Progressive	$938	$158
Farm Bureau	$1089	$185
Allstate	$1882	$314
Farmers	$3395	$577

Car Insurance Price Trends in Merriam Woods, Missouri

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

The average cost of full coverage in the Merriam Woods rose by $210 in January compared to $122 of December. In other words, there has been an increase by $88 when you compare January and December.

The average cost of liability insurance in the Merriam Woods rose to $53 in January, compared to $45 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 Merriam Woods?

The car insurance in Merriam Woods is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Merriam Woods?

The cheapest car insurance in Merriam Woods is $80 per month for full coverage.

How much is car insurance in Merriam Woods for teenagers?

Car insurance for teenagers costs $234 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 Merriam Woods?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $184 per month to insure your car in Merriam Woods.

Is car insurance expensive in Merriam Woods?

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

Cheapest Car Insurance Quotes in Merriam Woods

Why you can trust Way?

How Much Is Car Insurance in Merriam Woods

Avg. Car Insurance in Merriam Woods

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Merriam Woods

1st place: American Family

2nd place: USAA

3rd place: Travelers

Merriam Woods Car Insurance Rates by Company

Cheap Car Insurance Companies in Merriam Woods, MO

Way's key takeaways about car insurance in Merriam Woods

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Merriam Woods

Cheapest Liability Coverage in Merriam Woods, MO

Cheapest Full Coverage Car Insurance in Merriam Woods

Cheapest Full Coverage Car Insurance Quotes in Merriam Woods, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Merriam Woods by Rating Factor

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

Car Insurance Premiums by Age in Merriam Woods

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Merriam Woods,MO

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

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 Merriam Woods

Cheapest Car Insurance Companies after an At-Fault Accident in Merriam Woods

Merriam Woods Car Insurance Rates by Violation

Merriam Woods auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Merriam Woods after a DUI

Merriam Woods car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Merriam Woods after Speeding ticket

Car Insurance Price Trends in Merriam Woods, Missouri

Average Car Insurance Cost in Merriam Woods by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Merriam Woods, MO

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

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