Cheapest Car Insurance Quotes in Overland

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Overland Car Insurance

^$ 33

/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 Overland

The car insurance rate in Overland is $1109 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 $564, making it a popular choice for budget-conscious drivers. Rates in Overland 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 Overland

$1109

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Overland

1st place: American Family

At $564 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 $712 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $792 for six months, making it the third cheapest auto insurance company in Overland.

Overland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Overland, MO is American Family, offering policies at just $564 for a six-month term. This is followed by Travelers, which has an average six-month premium of $712.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1692 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Overland drivers find the best deals.

Cheap Car Insurance Companies in Overland, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$564	$96
Travelers	$712	$120
USAA	$792	$133
Shelter	$1054	$177
Encompass	$1061	$181
State Farm	$1121	$189
Electric	$1235	$210
Allstate	$1276	$215
Progressive	$1342	$226
Missouri Farm Bureau	$1349	$225
Nationwide	$1692	$288

Key Takeaways

Way's key takeaways about car insurance in Overland

The auto insurance costs in Overland fall around $564 for six months.
The cheapest auto insurance company in Overland is USAA.
Teen drivers pay the highest rate in Overland at $860 per month.

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Cheapest Minimum Liability Car Insurance in Overland

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 Overland are given below.

USAA provides the cheapest minimum car insurance coverage in Overland. Their Average 6 Month Premium is $194. Nationwide is the most expensive at $678 for the same period.

Cheapest Liability Coverage in Overland, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$194	$33
Missouri Farm Bureau	$215	$36
Travelers	$262	$44
Electric	$276	$46
Progressive	$295	$50
American Family	$302	$51
Encompass	$315	$53
Shelter	$376	$63
State Farm	$402	$68
Allstate	$605	$103
Nationwide	$678	$113

Cheapest Full Coverage Car Insurance in Overland

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 Overland is American Family at $96 per month and $564 for six months.

Cheapest Full Coverage Car Insurance Quotes in Overland, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$564	$96
Travelers	$712	$120
USAA	$792	$133
Shelter	$1054	$177
Encompass	$1061	$181
State Farm	$1121	$189
Electric	$1235	$210
Allstate	$1276	$215
Progressive	$1342	$226
Missouri Farm Bureau	$1349	$225
Nationwide	$1692	$288

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Average Car Insurance in Overland 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 Overland, MO increasing?

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

Car Insurance Premiums by Age in Overland

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 Overland,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 Overland at $47 per month. At $5162 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	$281	$47
American Family	$322	$54
Travelers	$772	$130
USAA	$1188	$200
Progressive	$1732	$292
State Farm	$1940	$327
Shelter	$2289	$382
Allstate	$4612	$784
Nationwide	$5162	$860

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 Overland, Progressive is the cheapest car insurance provider. At $409 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 Overland is Allstate, offering rates of around $658 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$409	$70
Travelers	$423	$70
Kemper	$516	$88
American Family	$550	$92
Shelter	$577	$98
Nationwide	$637	$106
Allstate	$658	$112

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Car Insurance Rates with An Accident in Overland

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

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

The cheapest car insurance companies after an at-fault accident in Overland include Missouri Farm Bureau and Electric, offering $235 and $336, respectively. Allstate is an expensive provider with an average six-month premium of $2719.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$235	$40
Electric	$336	$58
American Family	$370	$61
Encompass	$429	$73
Travelers	$510	$86
USAA	$523	$88
Progressive	$731	$123
State Farm	$886	$149
Shelter	$993	$167
Nationwide	$2504	$426
Allstate	$2719	$453

Overland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Overland MO. For example, the car insurance in Overland after a DUI increases to $913 for a six month policy. While the rate increases by $315 for a six-month policy in the case of a speeding ticket.

Overland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1806	$301
One Med/PIP claim	$1806	$307
Not-at-fault accident	$1859	$310
One comp claim	$1872	$319
Two Med/PIP claims	$1872	$312
Two comp claims	$1993	$339
Failure to wear a seat belt	$2048	$341
Failure to show documents	$2054	$349
Child safety restraint	$2087	$348
Driving without lights	$2087	$355
Driving with expired registration	$2101	$350
Cell phone violation	$2114	$359
Driving too slowly	$2114	$353
Following too closely	$2114	$359
Speeding in school zone	$2114	$353
Failure to yield	$2121	$360
Speeding 11 - 15 MPH over limit	$2121	$354
Speeding 16 - 20 MPH over limit	$2121	$360
Speeding 6 - 10 MPH over limit	$2121	$354
Texting while driving	$2121	$360
Illegal turn	$2128	$355
Wrong way/wrong lane	$2128	$362
Failure to stop at a red light	$2135	$356
Improper passing	$2135	$363
Speeding 21 - 25 MPH over limit	$2135	$356
In 65 MPH zone	$2148	$365
Passing school bus	$2188	$365
Open container	$2255	$383
Operating a vehicle without permission	$2309	$385
At-fault accident - less than $1000	$2497	$425
At-fault accident - $1000-$2000	$2637	$440
At-fault accident - greater than $2000	$2637	$449
Refusal to submit to a chemical test	$2671	$445
DUI	$2719	$462
Driving with a suspended license	$2779	$463
Racing	$2846	$484
Leaving scene of an accident/hit and run	$2886	$481
Reckless driving	$2920	$496

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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 Overland 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 Overland.

The cheapest car insurance premiums in Overland are offered by Missouri Farm Bureau at $281 for a six-month policy. However, it can be as expensive as $3121 with companies like Nationwide.

Overland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$281	$47
American Family	$363	$60
Kemper	$450	$77
Travelers	$544	$92
Progressive	$671	$113
USAA	$833	$140
State Farm	$940	$158
Shelter	$1094	$184
Allstate	$2363	$402
Nationwide	$3121	$520

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 Overland are offered by Progressive at $322. However, it can be as expensive as $484 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Overland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$322	$54
Travelers	$342	$56
American Family	$363	$62
State Farm	$402	$67
Shelter	$484	$82

Car Insurance Price Trends in Overland, Missouri

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

The average cost of full coverage in the Overland remained steady at $147 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Overland remained steady at $54 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Overland?

The car insurance in Overland is $33 per month, which is lower than the national average.

What is the cheapest car insurance in Overland?

The cheapest car insurance in Overland is $96 per month for full coverage.

How much is car insurance in Overland for teenagers?

Car insurance for teenagers costs $281 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 Overland?

The average cost of car insurance is $981 for a six-month policy. It will cost around $186 per month to insure your car in Overland.

Is car insurance expensive in Overland?

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

Cheapest Car Insurance Quotes in Overland

Why you can trust Way?

How Much Is Car Insurance in Overland

Avg. Car Insurance in Overland

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Overland

1st place: American Family

2nd place: Travelers

3rd place: USAA

Overland Car Insurance Rates by Company

Cheap Car Insurance Companies in Overland, MO

Way's key takeaways about car insurance in Overland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Overland

Cheapest Liability Coverage in Overland, MO

Cheapest Full Coverage Car Insurance in Overland

Cheapest Full Coverage Car Insurance Quotes in Overland, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Overland by Rating Factor

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

Car Insurance Premiums by Age in Overland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Overland,MO

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

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 Overland

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

Overland Car Insurance Rates by Violation

Overland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Overland after a DUI

Overland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Overland after Speeding ticket

Car Insurance Price Trends in Overland, Missouri

Average Car Insurance Cost in Overland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Overland, MO

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

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