Cheapest Car Insurance Quotes in Pine Lawn

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Pine Lawn Car Insurance

^$ 47

/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 Pine Lawn

The car insurance rate in Pine Lawn is $1897 for a six-month policy, which is $733 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $813, making it a popular choice for budget-conscious drivers. Rates in Pine Lawn 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 Pine Lawn

$1897

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Pine Lawn

1st place: American Family

At $813 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 $1094 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1123 for six months, making it the third cheapest auto insurance company in Pine Lawn.

Pine Lawn Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pine Lawn, MO is American Family, offering policies at just $813 for a six-month term. This is followed by USAA, which has an average six-month premium of $1094.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $4637 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pine Lawn drivers find the best deals.

Cheap Car Insurance Companies in Pine Lawn, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$813	$139
USAA	$1094	$184
Travelers	$1123	$189
Encompass	$1531	$254
Shelter	$1578	$266
State Farm	$1723	$290
Electric	$1782	$303
Farm Bureau	$1830	$305
Missouri Farm Bureau	$1946	$331
Progressive	$2015	$339
Allstate	$2160	$363
Nationwide	$2440	$406
Farmers	$4637	$789

Key Takeaways

Way's key takeaways about car insurance in Pine Lawn

The auto insurance costs in Pine Lawn fall around $813 for six months.
The cheapest auto insurance company in Pine Lawn is USAA.
Teen drivers pay the highest rate in Pine Lawn at $2531 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Pine Lawn

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 Pine Lawn are given below.

USAA provides the cheapest minimum car insurance coverage in Pine Lawn. Their Average 6 Month Premium is $280. Farmers is the most expensive at $1666 for the same period.

Cheapest Liability Coverage in Pine Lawn, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$280	$47
Missouri Farm Bureau	$310	$52
Electric	$398	$67
Travelers	$406	$68
Farm Bureau	$416	$70
American Family	$435	$73
Encompass	$455	$77
Progressive	$465	$78
Shelter	$571	$96
State Farm	$610	$103
Nationwide	$978	$163
Allstate	$1017	$171
Farmers	$1666	$277

Cheapest Full Coverage Car Insurance in Pine Lawn

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 Pine Lawn is American Family at $139 per month and $813 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pine Lawn, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$813	$139
USAA	$1094	$184
Travelers	$1123	$189
Encompass	$1531	$254
Shelter	$1578	$266
State Farm	$1723	$290
Electric	$1782	$303
Farm Bureau	$1830	$305
Missouri Farm Bureau	$1946	$331
Progressive	$2015	$339
Allstate	$2160	$363
Nationwide	$2440	$406
Farmers	$4637	$789

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Average Car Insurance in Pine Lawn 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 Pine Lawn, MO increasing?

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

Car Insurance Premiums by Age in Pine Lawn

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 Pine Lawn,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 Pine Lawn at $68 per month. At $15192 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	$406	$68
American Family	$465	$78
Travelers	$1762	$297
USAA	$1782	$300
Progressive	$3399	$572
State Farm	$3504	$590
Shelter	$3912	$659
Farm Bureau	$4755	$808
Allstate	$6178	$1040
Nationwide	$7446	$1267
Farmers	$15192	$2531

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 Pine Lawn, Kemper is the cheapest car insurance provider. At $745 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 Pine Lawn is Farmers, offering rates of around $9431 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$745	$127
American Family	$794	$132
Nationwide	$919	$156
Travelers	$1482	$249
USAA	$1713	$292
Progressive	$2160	$363
Shelter	$2479	$417
Farm Bureau	$3079	$513
Allstate	$3612	$608
State Farm	$6536	$1089
Farmers	$9431	$1604

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Car Insurance Rates with An Accident in Pine Lawn

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

Cheapest Car Insurance Companies after an At-Fault Accident in Pine Lawn

The cheapest car insurance companies after an at-fault accident in Pine Lawn include Missouri Farm Bureau and Electric, offering $339 and $484, respectively. Farmers is an expensive provider with an average six-month premium of $6613.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$339	$57
Electric	$484	$83
American Family	$533	$88
Encompass	$619	$106
USAA	$882	$148
Travelers	$998	$168
Progressive	$1462	$246
State Farm	$1521	$256
Shelter	$1703	$287
Farm Bureau	$2362	$401
Nationwide	$3612	$601
Allstate	$4386	$738
Farmers	$6613	$1102

Pine Lawn Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pine Lawn MO. For example, the car insurance in Pine Lawn after a DUI increases to $1317 for a six month policy. While the rate increases by $455 for a six-month policy in the case of a speeding ticket.

Pine Lawn auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2605	$434
One Med/PIP claim	$2605	$443
Not-at-fault accident	$2681	$447
One comp claim	$2701	$460
Two Med/PIP claims	$2701	$450
Two comp claims	$2875	$489
Failure to wear a seat belt	$2954	$492
Failure to show documents	$2963	$504
Child safety restraint	$3011	$502
Driving without lights	$3011	$512
Driving with expired registration	$3030	$505
Cell phone violation	$3050	$518
Driving too slowly	$3050	$509
Following too closely	$3050	$518
Speeding in school zone	$3050	$509
Failure to yield	$3060	$520
Speeding 11 - 15 MPH over limit	$3060	$510
Speeding 16 - 20 MPH over limit	$3060	$520
Speeding 6 - 10 MPH over limit	$3060	$510
Texting while driving	$3060	$520
Illegal turn	$3069	$512
Wrong way/wrong lane	$3069	$522
Failure to stop at a red light	$3079	$513
Improper passing	$3079	$523
Speeding 21 - 25 MPH over limit	$3079	$513
In 65 MPH zone	$3099	$526
Passing school bus	$3156	$526
Open container	$3253	$553
Operating a vehicle without permission	$3330	$556
At-fault accident - less than $1000	$3602	$613
At-fault accident - $1000-$2000	$3804	$634
At-fault accident - greater than $2000	$3804	$647
Refusal to submit to a chemical test	$3853	$642
DUI	$3922	$667
Driving with a suspended license	$4008	$668
Racing	$4106	$698
Leaving scene of an accident/hit and run	$4163	$694
Reckless driving	$4212	$716

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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 Pine Lawn 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 Pine Lawn.

The cheapest car insurance premiums in Pine Lawn are offered by Missouri Farm Bureau at $406 for a six-month policy. However, it can be as expensive as $8481 with companies like Farmers.

Pine Lawn car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$406	$68
American Family	$523	$86
Kemper	$649	$111
Travelers	$1046	$176
USAA	$1337	$225
Progressive	$1403	$236
Shelter	$1897	$319
State Farm	$2062	$347
Farm Bureau	$2227	$378
Allstate	$3593	$605
Nationwide	$4502	$766
Farmers	$8481	$1413

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 Pine Lawn are offered by American Family at $523. However, it can be as expensive as $5888 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pine Lawn after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$523	$90
Travelers	$1084	$183
USAA	$1123	$191
Shelter	$1249	$210
State Farm	$1337	$225
Progressive	$1627	$274
Farm Bureau	$1888	$321
Allstate	$3263	$544
Farmers	$5888	$1001

Car Insurance Price Trends in Pine Lawn, Missouri

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

The average cost of full coverage in the Pine Lawn rose by $363 in January compared to $212 of December. In other words, there has been an increase by $151 when you compare January and December.

The average cost of liability insurance in the Pine Lawn rose to $91 in January, compared to $78 in December. This represents an increase of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Pine Lawn?

The car insurance in Pine Lawn is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Pine Lawn?

The cheapest car insurance in Pine Lawn is $139 per month for full coverage.

How much is car insurance in Pine Lawn for teenagers?

Car insurance for teenagers costs $406 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 Pine Lawn?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $319 per month to insure your car in Pine Lawn.

Is car insurance expensive in Pine Lawn?

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

Cheapest Car Insurance Quotes in Pine Lawn

Why you can trust Way?

How Much Is Car Insurance in Pine Lawn

Avg. Car Insurance in Pine Lawn

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Pine Lawn

1st place: American Family

2nd place: USAA

3rd place: Travelers

Pine Lawn Car Insurance Rates by Company

Cheap Car Insurance Companies in Pine Lawn, MO

Way's key takeaways about car insurance in Pine Lawn

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pine Lawn

Cheapest Liability Coverage in Pine Lawn, MO

Cheapest Full Coverage Car Insurance in Pine Lawn

Cheapest Full Coverage Car Insurance Quotes in Pine Lawn, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pine Lawn by Rating Factor

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

Car Insurance Premiums by Age in Pine Lawn

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pine Lawn,MO

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

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 Pine Lawn

Cheapest Car Insurance Companies after an At-Fault Accident in Pine Lawn

Pine Lawn Car Insurance Rates by Violation

Pine Lawn auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pine Lawn after a DUI

Pine Lawn car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pine Lawn after Speeding ticket

Car Insurance Price Trends in Pine Lawn, Missouri

Average Car Insurance Cost in Pine Lawn by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pine Lawn, MO

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

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