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Ozark Car Insurance
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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.
The car insurance rate in Ozark is $893 for a six-month policy, which is $88 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $454, making it a popular choice for budget-conscious drivers. Rates in Ozark 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.
At $454 for a six month policy, American Family offers the cheapest auto insurance rates in the city.
Travelers offers auto insurance rates at $573 for a six-month policy, making it one of the cheapest to insure with.
USAA offers auto insurance rates at $638 for six months, making it the third cheapest auto insurance company in Ozark.
Based on our research, the cheapest car insurance company in Ozark, MO is American Family, offering policies at just $454 for a six-month term. This is followed by Travelers, which has an average six-month premium of $573.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1362 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ozark drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $454 | $77 |
| Travelers | $573 | $96 |
| USAA | $638 | $107 |
| Shelter | $849 | $143 |
| Encompass | $854 | $146 |
| State Farm | $903 | $152 |
| Electric | $995 | $169 |
| Allstate | $1027 | $173 |
| Progressive | $1081 | $182 |
| Missouri Farm Bureau | $1087 | $181 |
| Nationwide | $1362 | $232 |
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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 Ozark are given below.
USAA provides the cheapest minimum car insurance coverage in Ozark. Their Average 6 Month Premium is $157. Nationwide is the most expensive at $546 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $157 | $26 |
| Missouri Farm Bureau | $173 | $29 |
| Travelers | $211 | $35 |
| Electric | $222 | $37 |
| Progressive | $238 | $40 |
| American Family | $243 | $41 |
| Encompass | $254 | $43 |
| Shelter | $303 | $51 |
| State Farm | $324 | $55 |
| Allstate | $487 | $83 |
| Nationwide | $546 | $91 |
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 Ozark is American Family at $77 per month and $454 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| American Family | $454 | $77 |
| Travelers | $573 | $96 |
| USAA | $638 | $107 |
| Shelter | $849 | $143 |
| Encompass | $854 | $146 |
| State Farm | $903 | $152 |
| Electric | $995 | $169 |
| Allstate | $1027 | $173 |
| Progressive | $1081 | $182 |
| Missouri Farm Bureau | $1087 | $181 |
| Nationwide | $1362 | $232 |
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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.
Despite maintaining a clean driving record, your car insurance rates in Ozark, 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, Ozark's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Ozark at $38 per month. At $4157 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 | $227 | $38 |
| American Family | $259 | $44 |
| Travelers | $622 | $105 |
| USAA | $956 | $161 |
| Progressive | $1395 | $235 |
| State Farm | $1562 | $263 |
| Shelter | $1844 | $308 |
| Allstate | $3714 | $632 |
| Nationwide | $4157 | $693 |
Teen Car Insurance Rates in MO by Age
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.
For those with poor credit scores in Ozark, Progressive is the cheapest car insurance provider. At $329 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 Ozark is Allstate, offering rates of around $530 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $329 | $56 |
| Travelers | $340 | $56 |
| Kemper | $416 | $71 |
| American Family | $443 | $74 |
| Shelter | $465 | $79 |
| Nationwide | $513 | $86 |
| Allstate | $530 | $90 |
Save up to $971/yr on car insurance rates in Ozark.
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 Ozark, MO, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Ozark include Missouri Farm Bureau and Electric, offering $189 and $270, respectively. Allstate is an expensive provider with an average six-month premium of $2189.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Missouri Farm Bureau | $189 | $32 |
| Electric | $270 | $46 |
| American Family | $298 | $49 |
| Encompass | $346 | $59 |
| Travelers | $410 | $69 |
| USAA | $421 | $71 |
| Progressive | $589 | $99 |
| State Farm | $713 | $120 |
| Shelter | $800 | $135 |
| Nationwide | $2017 | $343 |
| Allstate | $2189 | $365 |
Here is a list of driving violations that can increase your car insurance rates in Ozark MO. For example, the car insurance in Ozark after a DUI increases to $735 for a six month policy. While the rate increases by $254 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1454 | $242 |
| One Med/PIP claim | $1454 | $248 |
| Not-at-fault accident | $1497 | $249 |
| One comp claim | $1508 | $257 |
| Two Med/PIP claims | $1508 | $251 |
| Two comp claims | $1605 | $273 |
| Failure to wear a seat belt | $1649 | $275 |
| Failure to show documents | $1654 | $281 |
| Child safety restraint | $1681 | $280 |
| Driving without lights | $1681 | $286 |
| Driving with expired registration | $1692 | $282 |
| Cell phone violation | $1703 | $289 |
| Driving too slowly | $1703 | $284 |
| Following too closely | $1703 | $289 |
| Speeding in school zone | $1703 | $284 |
| Failure to yield | $1708 | $290 |
| Speeding 11 - 15 MPH over limit | $1708 | $285 |
| Speeding 16 - 20 MPH over limit | $1708 | $290 |
| Speeding 6 - 10 MPH over limit | $1708 | $285 |
| Texting while driving | $1708 | $290 |
| Illegal turn | $1714 | $286 |
| Wrong way/wrong lane | $1714 | $291 |
| Failure to stop at a red light | $1719 | $287 |
| Improper passing | $1719 | $292 |
| Speeding 21 - 25 MPH over limit | $1719 | $287 |
| In 65 MPH zone | $1730 | $294 |
| Passing school bus | $1762 | $294 |
| Open container | $1816 | $308 |
| Operating a vehicle without permission | $1859 | $310 |
| At-fault accident - less than $1000 | $2011 | $342 |
| At-fault accident - $1000-$2000 | $2124 | $354 |
| At-fault accident - greater than $2000 | $2124 | $361 |
| Refusal to submit to a chemical test | $2151 | $359 |
| DUI | $2189 | $372 |
| Driving with a suspended license | $2238 | $373 |
| Racing | $2292 | $389 |
| Leaving scene of an accident/hit and run | $2324 | $388 |
| Reckless driving | $2351 | $399 |
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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.
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 Ozark.
The cheapest car insurance premiums in Ozark are offered by Missouri Farm Bureau at $227 for a six-month policy. However, it can be as expensive as $2513 with companies like Nationwide.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Missouri Farm Bureau | $227 | $38 |
| American Family | $292 | $48 |
| Kemper | $362 | $62 |
| Travelers | $438 | $74 |
| Progressive | $541 | $91 |
| USAA | $671 | $113 |
| State Farm | $757 | $127 |
| Shelter | $881 | $148 |
| Allstate | $1903 | $324 |
| Nationwide | $2513 | $419 |
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 Ozark are offered by Progressive at $259. However, it can be as expensive as $389 with companies like Shelter for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Progressive | $259 | $44 |
| Travelers | $276 | $46 |
| American Family | $292 | $50 |
| State Farm | $324 | $54 |
| Shelter | $389 | $66 |
Car insurance rates in Ozark have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Ozark remained steady at $118 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Ozark remained steady at $44 in both December and November, indicating no change over the two month period.
How much is car insurance in Ozark?
The car insurance in Ozark is $26 per month, which is lower than the national average.
What is the cheapest car insurance in Ozark?
The cheapest car insurance in Ozark is $77 per month for full coverage.
How much is car insurance in Ozark for teenagers?
Car insurance for teenagers costs $227 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 Ozark?
The average cost of car insurance is $981 for a six-month policy. It will cost around $150 per month to insure your car in Ozark.
Is car insurance expensive in Ozark?
Car insurance can be expensive in Ozark if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Ozark can be affordable.
What is the best car insurance in Ozark, MO?
The best car insurance company in Ozark MO is American Family, offering $454 for a six-month policy.
Cut auto insurance costs in Ozark right now.