Cheapest Car Insurance Quotes in Poplar Bluff

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Poplar Bluff 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 Poplar Bluff

The car insurance rate in Poplar Bluff is $942 for a six-month policy, which is $39 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $479, making it a popular choice for budget-conscious drivers. Rates in Poplar Bluff 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 Poplar Bluff

$942

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Poplar Bluff

1st place: American Family

At $479 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 $605 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $673 for six months, making it the third cheapest auto insurance company in Poplar Bluff.

Poplar Bluff Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Poplar Bluff, MO is American Family, offering policies at just $479 for a six-month term. This is followed by Travelers, which has an average six-month premium of $605.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1437 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Poplar Bluff drivers find the best deals.

Cheap Car Insurance Companies in Poplar Bluff, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$479	$82
Travelers	$605	$102
USAA	$673	$113
Shelter	$896	$151
Encompass	$901	$154
State Farm	$952	$160
Electric	$1049	$179
Allstate	$1084	$182
Progressive	$1140	$192
Missouri Farm Bureau	$1146	$191
Nationwide	$1437	$245

Key Takeaways

Way's key takeaways about car insurance in Poplar Bluff

The auto insurance costs in Poplar Bluff fall around $479 for six months.
The cheapest auto insurance company in Poplar Bluff is USAA.
Teen drivers pay the highest rate in Poplar Bluff at $731 per month.

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

Cheapest Minimum Liability Car Insurance in Poplar Bluff

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 Poplar Bluff are given below.

USAA provides the cheapest minimum car insurance coverage in Poplar Bluff. Their Average 6 Month Premium is $165. Nationwide is the most expensive at $576 for the same period.

Cheapest Liability Coverage in Poplar Bluff, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$165	$28
Missouri Farm Bureau	$182	$31
Travelers	$223	$37
Electric	$234	$39
Progressive	$251	$42
American Family	$256	$43
Encompass	$268	$45
Shelter	$320	$54
State Farm	$342	$58
Allstate	$514	$87
Nationwide	$576	$96

Cheapest Full Coverage Car Insurance in Poplar Bluff

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 Poplar Bluff is American Family at $82 per month and $479 for six months.

Cheapest Full Coverage Car Insurance Quotes in Poplar Bluff, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$479	$82
Travelers	$605	$102
USAA	$673	$113
Shelter	$896	$151
Encompass	$901	$154
State Farm	$952	$160
Electric	$1049	$179
Allstate	$1084	$182
Progressive	$1140	$192
Missouri Farm Bureau	$1146	$191
Nationwide	$1437	$245

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Average Car Insurance in Poplar Bluff 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 Poplar Bluff, MO increasing?

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

Car Insurance Premiums by Age in Poplar Bluff

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 Poplar Bluff,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 Poplar Bluff at $40 per month. At $4385 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	$239	$40
American Family	$274	$46
Travelers	$656	$110
USAA	$1009	$170
Progressive	$1472	$248
State Farm	$1648	$277
Shelter	$1945	$324
Allstate	$3918	$666
Nationwide	$4385	$731

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 Poplar Bluff, Progressive is the cheapest car insurance provider. At $348 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 Poplar Bluff is Allstate, offering rates of around $559 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$348	$60
Travelers	$359	$60
Kemper	$439	$75
American Family	$468	$78
Shelter	$491	$84
Nationwide	$541	$90
Allstate	$559	$95

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Save up to $971/yr on car insurance rates in Poplar Bluff.

Car Insurance Rates with An Accident in Poplar Bluff

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

Cheapest Car Insurance Companies after an At-Fault Accident in Poplar Bluff

The cheapest car insurance companies after an at-fault accident in Poplar Bluff include Missouri Farm Bureau and Electric, offering $200 and $285, respectively. Allstate is an expensive provider with an average six-month premium of $2310.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$200	$34
Electric	$285	$49
American Family	$314	$52
Encompass	$365	$62
Travelers	$433	$73
USAA	$444	$75
Progressive	$621	$105
State Farm	$753	$127
Shelter	$844	$142
Nationwide	$2127	$362
Allstate	$2310	$385

Poplar Bluff Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Poplar Bluff MO. For example, the car insurance in Poplar Bluff after a DUI increases to $776 for a six month policy. While the rate increases by $268 for a six-month policy in the case of a speeding ticket.

Poplar Bluff auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1534	$255
One Med/PIP claim	$1534	$261
Not-at-fault accident	$1579	$263
One comp claim	$1591	$271
Two Med/PIP claims	$1591	$265
Two comp claims	$1693	$288
Failure to wear a seat belt	$1740	$290
Failure to show documents	$1745	$297
Child safety restraint	$1773	$296
Driving without lights	$1773	$301
Driving with expired registration	$1785	$298
Cell phone violation	$1796	$305
Driving too slowly	$1796	$300
Following too closely	$1796	$305
Speeding in school zone	$1796	$300
Failure to yield	$1802	$306
Speeding 11 - 15 MPH over limit	$1802	$300
Speeding 16 - 20 MPH over limit	$1802	$306
Speeding 6 - 10 MPH over limit	$1802	$300
Texting while driving	$1802	$306
Illegal turn	$1808	$301
Wrong way/wrong lane	$1808	$307
Failure to stop at a red light	$1813	$302
Improper passing	$1813	$308
Speeding 21 - 25 MPH over limit	$1813	$302
In 65 MPH zone	$1825	$310
Passing school bus	$1859	$310
Open container	$1916	$325
Operating a vehicle without permission	$1961	$327
At-fault accident - less than $1000	$2122	$361
At-fault accident - $1000-$2000	$2241	$373
At-fault accident - greater than $2000	$2241	$381
Refusal to submit to a chemical test	$2269	$378
DUI	$2310	$393
Driving with a suspended license	$2361	$394
Racing	$2418	$411
Leaving scene of an accident/hit and run	$2452	$409
Reckless driving	$2481	$421

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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 Poplar Bluff 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 Poplar Bluff.

The cheapest car insurance premiums in Poplar Bluff are offered by Missouri Farm Bureau at $239 for a six-month policy. However, it can be as expensive as $2652 with companies like Nationwide.

Poplar Bluff car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$239	$40
American Family	$308	$51
Kemper	$382	$65
Travelers	$462	$78
Progressive	$570	$96
USAA	$708	$119
State Farm	$799	$134
Shelter	$929	$156
Allstate	$2007	$342
Nationwide	$2652	$442

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 Poplar Bluff are offered by Progressive at $274. However, it can be as expensive as $411 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Poplar Bluff after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$274	$46
Travelers	$291	$48
American Family	$308	$53
State Farm	$342	$57
Shelter	$411	$70

Car Insurance Price Trends in Poplar Bluff, Missouri

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

The average cost of full coverage in the Poplar Bluff remained steady at $125 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Poplar Bluff remained steady at $46 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 Poplar Bluff?

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

What is the cheapest car insurance in Poplar Bluff?

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

How much is car insurance in Poplar Bluff for teenagers?

Car insurance for teenagers costs $239 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 Poplar Bluff?

The average cost of car insurance is $981 for a six-month policy. It will cost around $158 per month to insure your car in Poplar Bluff.

Is car insurance expensive in Poplar Bluff?

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

Cheapest Car Insurance Quotes in Poplar Bluff

Why you can trust Way?

How Much Is Car Insurance in Poplar Bluff

Avg. Car Insurance in Poplar Bluff

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Poplar Bluff

1st place: American Family

2nd place: Travelers

3rd place: USAA

Poplar Bluff Car Insurance Rates by Company

Cheap Car Insurance Companies in Poplar Bluff, MO

Way's key takeaways about car insurance in Poplar Bluff

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Poplar Bluff

Cheapest Liability Coverage in Poplar Bluff, MO

Cheapest Full Coverage Car Insurance in Poplar Bluff

Cheapest Full Coverage Car Insurance Quotes in Poplar Bluff, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Poplar Bluff by Rating Factor

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

Car Insurance Premiums by Age in Poplar Bluff

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Poplar Bluff,MO

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

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 Poplar Bluff

Cheapest Car Insurance Companies after an At-Fault Accident in Poplar Bluff

Poplar Bluff Car Insurance Rates by Violation

Poplar Bluff auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Poplar Bluff after a DUI

Poplar Bluff car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Poplar Bluff after Speeding ticket

Car Insurance Price Trends in Poplar Bluff, Missouri

Average Car Insurance Cost in Poplar Bluff by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Poplar Bluff, MO

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

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