Cheapest Car Insurance Quotes in Murphy

Finding the cheapest car insurance quotes in Murphy 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

Murphy Car Insurance

^$ 31

/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 Murphy

The car insurance rate in Murphy is $1050 for a six-month policy, which is $69 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $534, making it a popular choice for budget-conscious drivers. Rates in Murphy 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 Murphy

$1050

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Murphy

1st place: American Family

At $534 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 $674 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $750 for six months, making it the third cheapest auto insurance company in Murphy.

Murphy Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Murphy, MO is American Family, offering policies at just $534 for a six-month term. This is followed by Travelers, which has an average six-month premium of $674.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1602 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Murphy drivers find the best deals.

Cheap Car Insurance Companies in Murphy, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$534	$91
Travelers	$674	$113
USAA	$750	$126
Shelter	$998	$168
Encompass	$1005	$171
State Farm	$1061	$179
Electric	$1170	$199
Allstate	$1208	$203
Progressive	$1271	$214
Missouri Farm Bureau	$1278	$213
Nationwide	$1602	$273

Key Takeaways

Way's key takeaways about car insurance in Murphy

The auto insurance costs in Murphy fall around $534 for six months.
The cheapest auto insurance company in Murphy is USAA.
Teen drivers pay the highest rate in Murphy at $814 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 Murphy

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 Murphy are given below.

USAA provides the cheapest minimum car insurance coverage in Murphy. Their Average 6 Month Premium is $184. Nationwide is the most expensive at $642 for the same period.

Cheapest Liability Coverage in Murphy, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$184	$31
Missouri Farm Bureau	$203	$34
Travelers	$248	$42
Electric	$261	$44
Progressive	$279	$47
American Family	$286	$48
Encompass	$299	$50
Shelter	$356	$60
State Farm	$381	$64
Allstate	$572	$97
Nationwide	$642	$107

Cheapest Full Coverage Car Insurance in Murphy

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 Murphy is American Family at $91 per month and $534 for six months.

Cheapest Full Coverage Car Insurance Quotes in Murphy, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$534	$91
Travelers	$674	$113
USAA	$750	$126
Shelter	$998	$168
Encompass	$1005	$171
State Farm	$1061	$179
Electric	$1170	$199
Allstate	$1208	$203
Progressive	$1271	$214
Missouri Farm Bureau	$1278	$213
Nationwide	$1602	$273

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Murphy Instantly!

Average Car Insurance in Murphy 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 Murphy, MO increasing?

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

Car Insurance Premiums by Age in Murphy

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 Murphy,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 Murphy at $45 per month. At $4888 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	$266	$45
American Family	$305	$51
Travelers	$731	$123
USAA	$1125	$189
Progressive	$1640	$276
State Farm	$1837	$309
Shelter	$2168	$362
Allstate	$4367	$743
Nationwide	$4888	$814

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 Murphy, Progressive is the cheapest car insurance provider. At $387 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 Murphy is Allstate, offering rates of around $623 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$387	$66
Travelers	$400	$66
Kemper	$489	$83
American Family	$521	$87
Shelter	$547	$93
Nationwide	$603	$101
Allstate	$623	$106

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Murphy

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

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

The cheapest car insurance companies after an at-fault accident in Murphy include Missouri Farm Bureau and Electric, offering $223 and $318, respectively. Allstate is an expensive provider with an average six-month premium of $2574.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$223	$37
Electric	$318	$55
American Family	$350	$58
Encompass	$407	$70
Travelers	$483	$81
USAA	$495	$83
Progressive	$692	$117
State Farm	$839	$141
Shelter	$941	$158
Nationwide	$2371	$403
Allstate	$2574	$429

Murphy Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Murphy MO. For example, the car insurance in Murphy after a DUI increases to $864 for a six month policy. While the rate increases by $298 for a six-month policy in the case of a speeding ticket.

Murphy auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1710	$285
One Med/PIP claim	$1710	$291
Not-at-fault accident	$1760	$293
One comp claim	$1773	$302
Two Med/PIP claims	$1773	$295
Two comp claims	$1887	$321
Failure to wear a seat belt	$1939	$323
Failure to show documents	$1945	$331
Child safety restraint	$1976	$330
Driving without lights	$1976	$336
Driving with expired registration	$1989	$332
Cell phone violation	$2002	$340
Driving too slowly	$2002	$334
Following too closely	$2002	$340
Speeding in school zone	$2002	$334
Failure to yield	$2008	$341
Speeding 11 - 15 MPH over limit	$2008	$335
Speeding 16 - 20 MPH over limit	$2008	$341
Speeding 6 - 10 MPH over limit	$2008	$335
Texting while driving	$2008	$341
Illegal turn	$2015	$336
Wrong way/wrong lane	$2015	$342
Failure to stop at a red light	$2021	$337
Improper passing	$2021	$343
Speeding 21 - 25 MPH over limit	$2021	$337
In 65 MPH zone	$2034	$346
Passing school bus	$2072	$346
Open container	$2136	$363
Operating a vehicle without permission	$2186	$365
At-fault accident - less than $1000	$2365	$402
At-fault accident - $1000-$2000	$2497	$416
At-fault accident - greater than $2000	$2497	$425
Refusal to submit to a chemical test	$2529	$422
DUI	$2574	$438
Driving with a suspended license	$2631	$439
Racing	$2695	$458
Leaving scene of an accident/hit and run	$2733	$456
Reckless driving	$2765	$470

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 Murphy 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 Murphy.

The cheapest car insurance premiums in Murphy are offered by Missouri Farm Bureau at $266 for a six-month policy. However, it can be as expensive as $2955 with companies like Nationwide.

Murphy car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$266	$45
American Family	$343	$57
Kemper	$426	$73
Travelers	$515	$87
Progressive	$636	$107
USAA	$789	$133
State Farm	$890	$150
Shelter	$1036	$174
Allstate	$2237	$381
Nationwide	$2955	$492

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 Murphy are offered by Progressive at $305. However, it can be as expensive as $458 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Murphy after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$305	$51
Travelers	$324	$54
American Family	$343	$59
State Farm	$381	$63
Shelter	$458	$78

Car Insurance Price Trends in Murphy, Missouri

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

The average cost of full coverage in the Murphy remained steady at $139 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Murphy remained steady at $51 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 Murphy?

The car insurance in Murphy is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Murphy?

The cheapest car insurance in Murphy is $91 per month for full coverage.

How much is car insurance in Murphy for teenagers?

Car insurance for teenagers costs $266 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 Murphy?

The average cost of car insurance is $981 for a six-month policy. It will cost around $177 per month to insure your car in Murphy.

Is car insurance expensive in Murphy?

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

Cheapest Car Insurance Quotes in Murphy

Why you can trust Way?

How Much Is Car Insurance in Murphy

Avg. Car Insurance in Murphy

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Murphy

1st place: American Family

2nd place: Travelers

3rd place: USAA

Murphy Car Insurance Rates by Company

Cheap Car Insurance Companies in Murphy, MO

Way's key takeaways about car insurance in Murphy

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Murphy

Cheapest Liability Coverage in Murphy, MO

Cheapest Full Coverage Car Insurance in Murphy

Cheapest Full Coverage Car Insurance Quotes in Murphy, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Murphy by Rating Factor

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

Car Insurance Premiums by Age in Murphy

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Murphy,MO

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

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 Murphy

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

Murphy Car Insurance Rates by Violation

Murphy auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Murphy after a DUI

Murphy car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Murphy after Speeding ticket

Car Insurance Price Trends in Murphy, Missouri

Average Car Insurance Cost in Murphy by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Murphy, MO

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

Featured Blogs

Data Sources