Cheapest Car Insurance Quotes in Pineville

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Pineville 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 Pineville

The car insurance rate in Pineville 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 Pineville 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 Pineville

$952

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Pineville

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 Pineville.

Pineville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pineville, 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 Pineville drivers find the best deals.

Cheap Car Insurance Companies in Pineville, 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 Pineville

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

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Cheapest Minimum Liability Car Insurance in Pineville

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 Pineville are given below.

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

Cheapest Liability Coverage in Pineville, 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 Pineville

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

Cheapest Full Coverage Car Insurance Quotes in Pineville, 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

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Average Car Insurance in Pineville 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 Pineville, MO increasing?

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

Car Insurance Premiums by Age in Pineville

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 Pineville,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 Pineville 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 Pineville, 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 Pineville 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

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Car Insurance Rates with An Accident in Pineville

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

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

The cheapest car insurance companies after an at-fault accident in Pineville 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

Pineville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pineville MO. For example, the car insurance in Pineville 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.

Pineville 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

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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 Pineville 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 Pineville.

The cheapest car insurance premiums in Pineville 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.

Pineville 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 Pineville 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 Pineville 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 Pineville, Missouri

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

The average cost of full coverage in the Pineville 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 Pineville remained steady at $47 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 Pineville?

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

What is the cheapest car insurance in Pineville?

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

How much is car insurance in Pineville 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 Pineville?

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 Pineville.

Is car insurance expensive in Pineville?

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

Cheapest Car Insurance Quotes in Pineville

Why you can trust Way?

How Much Is Car Insurance in Pineville

Avg. Car Insurance in Pineville

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Pineville

1st place: American Family

2nd place: Travelers

3rd place: USAA

Pineville Car Insurance Rates by Company

Cheap Car Insurance Companies in Pineville, MO

Way's key takeaways about car insurance in Pineville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pineville

Cheapest Liability Coverage in Pineville, MO

Cheapest Full Coverage Car Insurance in Pineville

Cheapest Full Coverage Car Insurance Quotes in Pineville, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pineville by Rating Factor

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

Car Insurance Premiums by Age in Pineville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pineville,MO

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

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 Pineville

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

Pineville Car Insurance Rates by Violation

Pineville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pineville after a DUI

Pineville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pineville after Speeding ticket

Car Insurance Price Trends in Pineville, Missouri

Average Car Insurance Cost in Pineville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pineville, MO

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

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