Cheapest Car Insurance Quotes in Novelty

Cheapest Minimum Liability Car Insurance in Novelty

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 Novelty are given below. 

USAA provides the cheapest minimum car insurance coverage in Novelty. Their Average 6 Month Premium is $182. Nationwide is the most expensive at $636 for the same period. 

Cheapest Liability Coverage in Novelty, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$182	$31
Missouri Farm Bureau	$201	$34
Travelers	$246	$41
Electric	$259	$43
Progressive	$277	$47
American Family	$283	$48
Encompass	$296	$50
Shelter	$353	$59
State Farm	$377	$64
Allstate	$567	$96
Nationwide	$636	$106

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Cheapest Full Coverage Car Insurance in Novelty

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 Novelty is American Family at $90 per month and $529 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Novelty, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$529	$90
Travelers	$668	$112
USAA	$743	$125
Shelter	$989	$166
Encompass	$995	$170
State Farm	$1052	$177
Electric	$1159	$197
Allstate	$1197	$201
Progressive	$1259	$212
Missouri Farm Bureau	$1266	$211
Nationwide	$1587	$270

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Car Insurance Premiums by Age in Novelty

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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Age Group	Cheapest Companies	Avg. 6 Mo. Premium

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Novelty Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Novelty MO. For example, the car insurance in Novelty after a DUI increases to $856 for a six month policy. While the rate increases by $296 for a six-month policy in the case of a speeding ticket.  

Novelty auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1694	$282
One Med/PIP claim	$1694	$288
Not-at-fault accident	$1744	$290
One comp claim	$1756	$299
Two Med/PIP claims	$1756	$293
Two comp claims	$1870	$318
Failure to wear a seat belt	$1921	$320
Failure to show documents	$1927	$328
Child safety restraint	$1958	$326
Driving without lights	$1958	$333
Driving with expired registration	$1971	$329
Cell phone violation	$1983	$337
Driving too slowly	$1983	$331
Following too closely	$1983	$337
Speeding in school zone	$1983	$331
Failure to yield	$1990	$338
Speeding 11 - 15 MPH over limit	$1990	$332
Speeding 16 - 20 MPH over limit	$1990	$338
Speeding 6 - 10 MPH over limit	$1990	$332
Texting while driving	$1990	$338
Illegal turn	$1996	$333
Wrong way/wrong lane	$1996	$339
Failure to stop at a red light	$2002	$334
Improper passing	$2002	$340
Speeding 21 - 25 MPH over limit	$2002	$334
In 65 MPH zone	$2015	$342
Passing school bus	$2052	$342
Open container	$2116	$359
Operating a vehicle without permission	$2166	$361
At-fault accident - less than $1000	$2343	$399
At-fault accident - $1000-$2000	$2474	$412
At-fault accident - greater than $2000	$2474	$421
Refusal to submit to a chemical test	$2506	$418
DUI	$2550	$434
Driving with a suspended license	$2607	$435
Racing	$2670	$454
Leaving scene of an accident/hit and run	$2707	$452
Reckless driving	$2739	$465

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