Cheapest Car Insurance Quotes in Park Hills

Finding the cheapest car insurance quotes in Park Hills 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

Park Hills Car Insurance

^$ 28

/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 Park Hills

The car insurance rate in Park Hills is $952 for a six-month policy, which is $29 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $484, making it a popular choice for budget-conscious drivers. Rates in Park Hills 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 Park Hills

$952

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Park Hills

1st place: American Family

At $484 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 $611 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $680 for six months, making it the third cheapest auto insurance company in Park Hills.

Park Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Park Hills, MO is American Family, offering policies at just $484 for a six-month term. This is followed by Travelers, which has an average six-month premium of $611.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1452 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Park Hills drivers find the best deals.

Cheap Car Insurance Companies in Park Hills, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$484	$82
Travelers	$611	$103
USAA	$680	$114
Shelter	$905	$152
Encompass	$911	$155
State Farm	$962	$162
Electric	$1060	$180
Allstate	$1095	$184
Progressive	$1152	$194
Missouri Farm Bureau	$1158	$193
Nationwide	$1452	$247

Key Takeaways

Way's key takeaways about car insurance in Park Hills

The auto insurance costs in Park Hills fall around $484 for six months.
The cheapest auto insurance company in Park Hills is USAA.
Teen drivers pay the highest rate in Park Hills at $738 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 Park Hills

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 Park Hills are given below.

USAA provides the cheapest minimum car insurance coverage in Park Hills. Their Average 6 Month Premium is $167. Nationwide is the most expensive at $582 for the same period.

Cheapest Liability Coverage in Park Hills, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$167	$28
Missouri Farm Bureau	$184	$31
Travelers	$225	$38
Electric	$237	$40
Progressive	$253	$43
American Family	$259	$44
Encompass	$271	$46
Shelter	$323	$54
State Farm	$345	$58
Allstate	$519	$88
Nationwide	$582	$97

Cheapest Full Coverage Car Insurance in Park Hills

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 Park Hills is American Family at $82 per month and $484 for six months.

Cheapest Full Coverage Car Insurance Quotes in Park Hills, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$484	$82
Travelers	$611	$103
USAA	$680	$114
Shelter	$905	$152
Encompass	$911	$155
State Farm	$962	$162
Electric	$1060	$180
Allstate	$1095	$184
Progressive	$1152	$194
Missouri Farm Bureau	$1158	$193
Nationwide	$1452	$247

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Park Hills Instantly!

Average Car Insurance in Park Hills 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 Park Hills, MO increasing?

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

Car Insurance Premiums by Age in Park Hills

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 Park Hills,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 Park Hills at $41 per month. At $4431 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	$242	$41
American Family	$276	$47
Travelers	$663	$112
USAA	$1019	$172
Progressive	$1487	$250
State Farm	$1665	$280
Shelter	$1965	$328
Allstate	$3959	$673
Nationwide	$4431	$738

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 Park Hills, Progressive is the cheapest car insurance provider. At $351 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 Park Hills is Allstate, offering rates of around $565 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$351	$60
Travelers	$363	$60
Kemper	$443	$76
American Family	$472	$79
Shelter	$496	$84
Nationwide	$547	$91
Allstate	$565	$96

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Park Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Park Hills

The cheapest car insurance companies after an at-fault accident in Park Hills include Missouri Farm Bureau and Electric, offering $202 and $288, respectively. Allstate is an expensive provider with an average six-month premium of $2334.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$202	$34
Electric	$288	$49
American Family	$317	$52
Encompass	$369	$63
Travelers	$437	$74
USAA	$449	$76
Progressive	$628	$106
State Farm	$760	$128
Shelter	$853	$144
Nationwide	$2150	$366
Allstate	$2334	$389

Park Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Park Hills MO. For example, the car insurance in Park Hills after a DUI increases to $784 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Park Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1550	$258
One Med/PIP claim	$1550	$264
Not-at-fault accident	$1596	$266
One comp claim	$1607	$274
Two Med/PIP claims	$1607	$268
Two comp claims	$1711	$291
Failure to wear a seat belt	$1758	$293
Failure to show documents	$1763	$300
Child safety restraint	$1792	$299
Driving without lights	$1792	$305
Driving with expired registration	$1803	$301
Cell phone violation	$1815	$308
Driving too slowly	$1815	$303
Following too closely	$1815	$308
Speeding in school zone	$1815	$303
Failure to yield	$1821	$309
Speeding 11 - 15 MPH over limit	$1821	$304
Speeding 16 - 20 MPH over limit	$1821	$309
Speeding 6 - 10 MPH over limit	$1821	$304
Texting while driving	$1821	$309
Illegal turn	$1827	$305
Wrong way/wrong lane	$1827	$310
Failure to stop at a red light	$1832	$306
Improper passing	$1832	$311
Speeding 21 - 25 MPH over limit	$1832	$306
In 65 MPH zone	$1844	$313
Passing school bus	$1878	$313
Open container	$1936	$329
Operating a vehicle without permission	$1982	$331
At-fault accident - less than $1000	$2144	$365
At-fault accident - $1000-$2000	$2264	$377
At-fault accident - greater than $2000	$2264	$385
Refusal to submit to a chemical test	$2293	$382
DUI	$2334	$397
Driving with a suspended license	$2385	$398
Racing	$2443	$415
Leaving scene of an accident/hit and run	$2477	$413
Reckless driving	$2506	$426

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 Park Hills 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 Park Hills.

The cheapest car insurance premiums in Park Hills are offered by Missouri Farm Bureau at $242 for a six-month policy. However, it can be as expensive as $2679 with companies like Nationwide.

Park Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$242	$41
American Family	$311	$51
Kemper	$386	$66
Travelers	$467	$79
Progressive	$576	$97
USAA	$715	$120
State Farm	$807	$136
Shelter	$939	$158
Allstate	$2028	$345
Nationwide	$2679	$446

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 Park Hills are offered by Progressive at $276. However, it can be as expensive as $415 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Park Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$276	$47
Travelers	$294	$49
American Family	$311	$53
State Farm	$345	$57
Shelter	$415	$71

Car Insurance Price Trends in Park Hills, Missouri

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

The average cost of full coverage in the Park Hills remained steady at $126 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Park Hills remained steady at $47 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 Park Hills?

The car insurance in Park Hills is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Park Hills?

The cheapest car insurance in Park Hills is $82 per month for full coverage.

How much is car insurance in Park Hills for teenagers?

Car insurance for teenagers costs $242 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 Park Hills?

The average cost of car insurance is $981 for a six-month policy. It will cost around $160 per month to insure your car in Park Hills.

Is car insurance expensive in Park Hills?

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

Cheapest Car Insurance Quotes in Park Hills

Why you can trust Way?

How Much Is Car Insurance in Park Hills

Avg. Car Insurance in Park Hills

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Park Hills

1st place: American Family

2nd place: Travelers

3rd place: USAA

Park Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Park Hills, MO

Way's key takeaways about car insurance in Park Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Park Hills

Cheapest Liability Coverage in Park Hills, MO

Cheapest Full Coverage Car Insurance in Park Hills

Cheapest Full Coverage Car Insurance Quotes in Park Hills, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Park Hills by Rating Factor

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

Car Insurance Premiums by Age in Park Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Park Hills,MO

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

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 Park Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Park Hills

Park Hills Car Insurance Rates by Violation

Park Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Park Hills after a DUI

Park Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Park Hills after Speeding ticket

Car Insurance Price Trends in Park Hills, Missouri

Average Car Insurance Cost in Park Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Park Hills, MO

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

Featured Blogs

Data Sources