Cheapest Car Insurance Quotes in Mooresville

Finding the cheapest car insurance quotes in Mooresville 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Mooresville 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 Mooresville

The car insurance rate in Mooresville is $942 for a six-month policy, which is $39 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $479, making it a popular choice for budget-conscious drivers. Rates in Mooresville 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 Mooresville

$942

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Mooresville

1st place: American Family

At $479 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 $605 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $673 for six months, making it the third cheapest auto insurance company in Mooresville.

Mooresville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mooresville, MO is American Family, offering policies at just $479 for a six-month term. This is followed by Travelers, which has an average six-month premium of $605.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1437 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mooresville drivers find the best deals.

Cheap Car Insurance Companies in Mooresville, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$479	$82
Travelers	$605	$102
USAA	$673	$113
Shelter	$896	$151
Encompass	$901	$154
State Farm	$952	$160
Electric	$1049	$179
Allstate	$1084	$182
Progressive	$1140	$192
Missouri Farm Bureau	$1146	$191
Nationwide	$1437	$245

Key Takeaways

Way's key takeaways about car insurance in Mooresville

The auto insurance costs in Mooresville fall around $479 for six months.
The cheapest auto insurance company in Mooresville is USAA.
Teen drivers pay the highest rate in Mooresville at $731 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 Mooresville

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 Mooresville are given below.

USAA provides the cheapest minimum car insurance coverage in Mooresville. Their Average 6 Month Premium is $165. Nationwide is the most expensive at $576 for the same period.

Cheapest Liability Coverage in Mooresville, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$165	$28
Missouri Farm Bureau	$182	$31
Travelers	$223	$37
Electric	$234	$39
Progressive	$251	$42
American Family	$256	$43
Encompass	$268	$45
Shelter	$320	$54
State Farm	$342	$58
Allstate	$514	$87
Nationwide	$576	$96

Cheapest Full Coverage Car Insurance in Mooresville

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 Mooresville is American Family at $82 per month and $479 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mooresville, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$479	$82
Travelers	$605	$102
USAA	$673	$113
Shelter	$896	$151
Encompass	$901	$154
State Farm	$952	$160
Electric	$1049	$179
Allstate	$1084	$182
Progressive	$1140	$192
Missouri Farm Bureau	$1146	$191
Nationwide	$1437	$245

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Mooresville Instantly!

Average Car Insurance in Mooresville 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 Mooresville, MO increasing?

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

Car Insurance Premiums by Age in Mooresville

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in Mooresville,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 Mooresville at $40 per month. At $4385 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	$239	$40
American Family	$274	$46
Travelers	$656	$110
USAA	$1009	$170
Progressive	$1472	$248
State Farm	$1648	$277
Shelter	$1945	$324
Allstate	$3918	$666
Nationwide	$4385	$731

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 Mooresville, Progressive is the cheapest car insurance provider. At $348 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 Mooresville is Allstate, offering rates of around $559 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$348	$60
Travelers	$359	$60
Kemper	$439	$75
American Family	$468	$78
Shelter	$491	$84
Nationwide	$541	$90
Allstate	$559	$95

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Mooresville

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

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

The cheapest car insurance companies after an at-fault accident in Mooresville include Missouri Farm Bureau and Electric, offering $200 and $285, respectively. Allstate is an expensive provider with an average six-month premium of $2310.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$200	$34
Electric	$285	$49
American Family	$314	$52
Encompass	$365	$62
Travelers	$433	$73
USAA	$444	$75
Progressive	$621	$105
State Farm	$753	$127
Shelter	$844	$142
Nationwide	$2127	$362
Allstate	$2310	$385

Mooresville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mooresville MO. For example, the car insurance in Mooresville after a DUI increases to $776 for a six month policy. While the rate increases by $268 for a six-month policy in the case of a speeding ticket.

Mooresville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1534	$255
One Med/PIP claim	$1534	$261
Not-at-fault accident	$1579	$263
One comp claim	$1591	$271
Two Med/PIP claims	$1591	$265
Two comp claims	$1693	$288
Failure to wear a seat belt	$1740	$290
Failure to show documents	$1745	$297
Child safety restraint	$1773	$296
Driving without lights	$1773	$301
Driving with expired registration	$1785	$298
Cell phone violation	$1796	$305
Driving too slowly	$1796	$300
Following too closely	$1796	$305
Speeding in school zone	$1796	$300
Failure to yield	$1802	$306
Speeding 11 - 15 MPH over limit	$1802	$300
Speeding 16 - 20 MPH over limit	$1802	$306
Speeding 6 - 10 MPH over limit	$1802	$300
Texting while driving	$1802	$306
Illegal turn	$1808	$301
Wrong way/wrong lane	$1808	$307
Failure to stop at a red light	$1813	$302
Improper passing	$1813	$308
Speeding 21 - 25 MPH over limit	$1813	$302
In 65 MPH zone	$1825	$310
Passing school bus	$1859	$310
Open container	$1916	$325
Operating a vehicle without permission	$1961	$327
At-fault accident - less than $1000	$2122	$361
At-fault accident - $1000-$2000	$2241	$373
At-fault accident - greater than $2000	$2241	$381
Refusal to submit to a chemical test	$2269	$378
DUI	$2310	$393
Driving with a suspended license	$2361	$394
Racing	$2418	$411
Leaving scene of an accident/hit and run	$2452	$409
Reckless driving	$2481	$421

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Mooresville 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 Mooresville.

The cheapest car insurance premiums in Mooresville are offered by Missouri Farm Bureau at $239 for a six-month policy. However, it can be as expensive as $2652 with companies like Nationwide.

Mooresville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$239	$40
American Family	$308	$51
Kemper	$382	$65
Travelers	$462	$78
Progressive	$570	$96
USAA	$708	$119
State Farm	$799	$134
Shelter	$929	$156
Allstate	$2007	$342
Nationwide	$2652	$442

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 Mooresville are offered by Progressive at $274. However, it can be as expensive as $411 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Mooresville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$274	$46
Travelers	$291	$48
American Family	$308	$53
State Farm	$342	$57
Shelter	$411	$70

Car Insurance Price Trends in Mooresville, Missouri

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

The average cost of full coverage in the Mooresville remained steady at $125 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Mooresville remained steady at $46 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Mooresville?

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

What is the cheapest car insurance in Mooresville?

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

How much is car insurance in Mooresville for teenagers?

Car insurance for teenagers costs $239 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 Mooresville?

The average cost of car insurance is $981 for a six-month policy. It will cost around $158 per month to insure your car in Mooresville.

Is car insurance expensive in Mooresville?

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

Cheapest Car Insurance Quotes in Mooresville

Why you can trust Way?

How Much Is Car Insurance in Mooresville

Avg. Car Insurance in Mooresville

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Mooresville

1st place: American Family

2nd place: Travelers

3rd place: USAA

Mooresville Car Insurance Rates by Company

Cheap Car Insurance Companies in Mooresville, MO

Way's key takeaways about car insurance in Mooresville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mooresville

Cheapest Liability Coverage in Mooresville, MO

Cheapest Full Coverage Car Insurance in Mooresville

Cheapest Full Coverage Car Insurance Quotes in Mooresville, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mooresville by Rating Factor

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

Car Insurance Premiums by Age in Mooresville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mooresville,MO

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

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 Mooresville

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

Mooresville Car Insurance Rates by Violation

Mooresville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mooresville after a DUI

Mooresville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mooresville after Speeding ticket

Car Insurance Price Trends in Mooresville, Missouri

Average Car Insurance Cost in Mooresville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mooresville, MO

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

Featured Blogs

Data Sources