Cheapest Car Insurance Quotes in Olivette

Finding the cheapest car insurance quotes in Olivette 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

406,175 Policies Sold

Olivette Car Insurance

^$ 32

/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 Olivette

The car insurance rate in Olivette is $1292 for a six-month policy, which is $128 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $554, making it a popular choice for budget-conscious drivers. Rates in Olivette 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 Olivette

$1292

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Olivette

1st place: American Family

At $554 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 $745 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $765 for six months, making it the third cheapest auto insurance company in Olivette.

Olivette Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Olivette, MO is American Family, offering policies at just $554 for a six-month term. This is followed by USAA, which has an average six-month premium of $745.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3158 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Olivette drivers find the best deals.

Cheap Car Insurance Companies in Olivette, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$554	$94
USAA	$745	$125
Travelers	$765	$129
Encompass	$1042	$173
Shelter	$1074	$181
State Farm	$1173	$198
Electric	$1213	$206
Farm Bureau	$1247	$208
Missouri Farm Bureau	$1325	$225
Progressive	$1372	$231
Allstate	$1471	$248
Nationwide	$1662	$276
Farmers	$3158	$537

Key Takeaways

Way's key takeaways about car insurance in Olivette

The auto insurance costs in Olivette fall around $554 for six months.
The cheapest auto insurance company in Olivette is USAA.
Teen drivers pay the highest rate in Olivette at $1724 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 Olivette

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 Olivette are given below.

USAA provides the cheapest minimum car insurance coverage in Olivette. Their Average 6 Month Premium is $191. Farmers is the most expensive at $1134 for the same period.

Cheapest Liability Coverage in Olivette, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$191	$32
Missouri Farm Bureau	$211	$36
Electric	$271	$46
Travelers	$276	$47
Farm Bureau	$283	$48
American Family	$296	$50
Encompass	$310	$52
Progressive	$316	$53
Shelter	$389	$65
State Farm	$415	$70
Nationwide	$666	$111
Allstate	$693	$117
Farmers	$1134	$189

Cheapest Full Coverage Car Insurance in Olivette

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 Olivette is American Family at $94 per month and $554 for six months.

Cheapest Full Coverage Car Insurance Quotes in Olivette, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$554	$94
USAA	$745	$125
Travelers	$765	$129
Encompass	$1042	$173
Shelter	$1074	$181
State Farm	$1173	$198
Electric	$1213	$206
Farm Bureau	$1247	$208
Missouri Farm Bureau	$1325	$225
Progressive	$1372	$231
Allstate	$1471	$248
Nationwide	$1662	$276
Farmers	$3158	$537

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Olivette Instantly!

Average Car Insurance in Olivette 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 Olivette, MO increasing?

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

Car Insurance Premiums by Age in Olivette

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 Olivette,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 Olivette at $47 per month. At $10345 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	$276	$47
American Family	$316	$53
Travelers	$1200	$202
USAA	$1213	$204
Progressive	$2314	$390
State Farm	$2387	$402
Shelter	$2664	$448
Farm Bureau	$3238	$551
Allstate	$4207	$708
Nationwide	$5070	$862
Farmers	$10345	$1724

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 Olivette, Kemper is the cheapest car insurance provider. At $507 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 Olivette is Farmers, offering rates of around $6422 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$507	$87
American Family	$541	$90
Nationwide	$626	$107
Travelers	$1009	$170
USAA	$1167	$199
Progressive	$1471	$248
Shelter	$1688	$284
Farm Bureau	$2097	$350
Allstate	$2460	$414
State Farm	$4451	$741
Farmers	$6422	$1092

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Olivette

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

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

The cheapest car insurance companies after an at-fault accident in Olivette include Missouri Farm Bureau and Electric, offering $231 and $330, respectively. Farmers is an expensive provider with an average six-month premium of $4503.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$231	$39
Electric	$330	$57
American Family	$363	$60
Encompass	$422	$72
USAA	$601	$101
Travelers	$679	$114
Progressive	$996	$168
State Farm	$1036	$174
Shelter	$1160	$195
Farm Bureau	$1608	$273
Nationwide	$2460	$410
Allstate	$2987	$503
Farmers	$4503	$750

Olivette Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Olivette MO. For example, the car insurance in Olivette after a DUI increases to $897 for a six month policy. While the rate increases by $309 for a six-month policy in the case of a speeding ticket.

Olivette auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1774	$295
One Med/PIP claim	$1774	$302
Not-at-fault accident	$1826	$304
One comp claim	$1839	$313
Two Med/PIP claims	$1839	$306
Two comp claims	$1958	$333
Failure to wear a seat belt	$2011	$335
Failure to show documents	$2018	$343
Child safety restraint	$2050	$342
Driving without lights	$2050	$349
Driving with expired registration	$2063	$344
Cell phone violation	$2077	$353
Driving too slowly	$2077	$346
Following too closely	$2077	$353
Speeding in school zone	$2077	$346
Failure to yield	$2083	$354
Speeding 11 - 15 MPH over limit	$2083	$347
Speeding 16 - 20 MPH over limit	$2083	$354
Speeding 6 - 10 MPH over limit	$2083	$347
Texting while driving	$2083	$354
Illegal turn	$2090	$349
Wrong way/wrong lane	$2090	$355
Failure to stop at a red light	$2097	$350
Improper passing	$2097	$356
Speeding 21 - 25 MPH over limit	$2097	$350
In 65 MPH zone	$2110	$359
Passing school bus	$2149	$359
Open container	$2216	$376
Operating a vehicle without permission	$2268	$379
At-fault accident - less than $1000	$2453	$417
At-fault accident - $1000-$2000	$2591	$432
At-fault accident - greater than $2000	$2591	$441
Refusal to submit to a chemical test	$2624	$437
DUI	$2671	$454
Driving with a suspended license	$2729	$455
Racing	$2796	$475
Leaving scene of an accident/hit and run	$2835	$473
Reckless driving	$2868	$487

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 Olivette 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 Olivette.

The cheapest car insurance premiums in Olivette are offered by Missouri Farm Bureau at $276 for a six-month policy. However, it can be as expensive as $5775 with companies like Farmers.

Olivette car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$276	$47
American Family	$356	$59
Kemper	$442	$75
Travelers	$713	$120
USAA	$910	$153
Progressive	$956	$161
Shelter	$1292	$218
State Farm	$1404	$236
Farm Bureau	$1516	$258
Allstate	$2446	$412
Nationwide	$3066	$522
Farmers	$5775	$962

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 Olivette are offered by American Family at $356. However, it can be as expensive as $4009 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Olivette after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$356	$61
Travelers	$738	$124
USAA	$765	$130
Shelter	$850	$143
State Farm	$910	$153
Progressive	$1108	$186
Farm Bureau	$1285	$219
Allstate	$2222	$371
Farmers	$4009	$682

Car Insurance Price Trends in Olivette, Missouri

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

The average cost of full coverage in the Olivette rose by $248 in January compared to $144 of December. In other words, there has been an increase by $104 when you compare January and December.

The average cost of liability insurance in the Olivette rose to $62 in January, compared to $53 in December. This represents an increase of $9 when comparing January and December.

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 Olivette?

The car insurance in Olivette is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Olivette?

The cheapest car insurance in Olivette is $94 per month for full coverage.

How much is car insurance in Olivette for teenagers?

Car insurance for teenagers costs $276 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 Olivette?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $218 per month to insure your car in Olivette.

Is car insurance expensive in Olivette?

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

Cheapest Car Insurance Quotes in Olivette

Why you can trust Way?

How Much Is Car Insurance in Olivette

Avg. Car Insurance in Olivette

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Olivette

1st place: American Family

2nd place: USAA

3rd place: Travelers

Olivette Car Insurance Rates by Company

Cheap Car Insurance Companies in Olivette, MO

Way's key takeaways about car insurance in Olivette

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Olivette

Cheapest Liability Coverage in Olivette, MO

Cheapest Full Coverage Car Insurance in Olivette

Cheapest Full Coverage Car Insurance Quotes in Olivette, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Olivette by Rating Factor

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

Car Insurance Premiums by Age in Olivette

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Olivette,MO

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

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 Olivette

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

Olivette Car Insurance Rates by Violation

Olivette auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Olivette after a DUI

Olivette car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Olivette after Speeding ticket

Car Insurance Price Trends in Olivette, Missouri

Average Car Insurance Cost in Olivette by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Olivette, MO

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

Featured Blogs

Data Sources