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Finding the cheapest car insurance quotes in Powersite 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.
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 Powersite
The car insurance rate in Powersite is $961 for a six-month policy, which is $20 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $489, making it a popular choice for budget-conscious drivers. Rates in Powersite 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 $489 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 $617 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $687
for six months, making it
the third cheapest auto insurance company in Powersite.
Powersite Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Powersite, MO is American Family, offering policies at just $489 for a six-month term. This is followed by Travelers, which has an average six-month premium of $617.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1467 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Powersite drivers find the best deals.
Way's key takeaways about car insurance in Powersite
The auto insurance costs in Powersite fall around $489 for six
months.
The cheapest auto insurance company in Powersite is USAA.
Teen drivers pay the highest rate in Powersite at $746 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 Powersite
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 Powersite are given below.
USAA provides
the cheapest minimum car insurance
coverage in Powersite. Their Average 6 Month Premium is $169.
Nationwide is the most
expensive at $588 for the same
period.
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 Powersite is American Family
at $83 per month and $489
for six months.
Cheapest Full Coverage Car Insurance Quotes in Powersite,
MO
Get Your Car Insurance Quote in Powersite
Instantly!
Average Car Insurance in Powersite 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 Powersite, MO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Powersite, 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, Powersite's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Powersite
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Powersite,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 Powersite at $41
per
month. At $4477 for a six-month premium,
Nationwide offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Powersite.
As young drivers face the highest rates in Powersite, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Powersite,
Progressive is
the cheapest car insurance provider. At $355 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
Powersite is Allstate, offering
rates of around $570 for six
months.
Save up to $971/yr on car insurance rates in Powersite.
Car Insurance Rates with An Accident in Powersite
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 Powersite, MO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Powersite
The cheapest car insurance companies after an at-fault accident in
Powersite include Missouri Farm Bureau
and Electric, offering $204
and $291,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2358.
Here is a list of driving violations that can increase your car
insurance rates in Powersite MO. For example, the car
insurance in Powersite
after a DUI increases to $792 for a six
month policy. While the rate increases by $273 for a six-month policy in the case of
a speeding ticket.
Powersite auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1566
$261
One Med/PIP claim
$1566
$267
Not-at-fault accident
$1612
$269
One comp claim
$1624
$276
Two Med/PIP claims
$1624
$270
Two comp claims
$1729
$294
Failure to wear a seat belt
$1776
$296
Failure to show documents
$1782
$303
Child safety restraint
$1810
$302
Driving without lights
$1810
$308
Driving with expired registration
$1822
$304
Cell phone violation
$1834
$312
Driving too slowly
$1834
$306
Following too closely
$1834
$312
Speeding in school zone
$1834
$306
Failure to yield
$1839
$313
Speeding 11 - 15 MPH over limit
$1839
$307
Speeding 16 - 20 MPH over limit
$1839
$313
Speeding 6 - 10 MPH over limit
$1839
$307
Texting while driving
$1839
$313
Illegal turn
$1845
$308
Wrong way/wrong lane
$1845
$314
Failure to stop at a red light
$1851
$309
Improper passing
$1851
$315
Speeding 21 - 25 MPH over limit
$1851
$309
In 65 MPH zone
$1863
$317
Passing school bus
$1897
$317
Open container
$1956
$332
Operating a vehicle without permission
$2002
$334
At-fault accident - less than $1000
$2166
$368
At-fault accident - $1000-$2000
$2287
$381
At-fault accident - greater than $2000
$2287
$389
Refusal to submit to a chemical test
$2317
$386
DUI
$2358
$401
Driving with a suspended license
$2410
$402
Racing
$2469
$419
Leaving scene of an accident/hit and run
$2503
$417
Reckless driving
$2532
$430
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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 Powersite 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 Powersite.
The cheapest car insurance premiums in
Powersite are
offered by Missouri Farm Bureau at $244 for a six-month policy.
However, it can be as
expensive as $2707 with companies
like Nationwide.
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 Powersite are offered by Progressive
at $279. However,
it can be as expensive as $419
with companies like Shelter for a similar
six-month premium.
Cheapest Car Insurance in Powersite after Speeding ticket
Car insurance rates in Powersite have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Powersite remained steady at $127 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Powersite remained steady at $47 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Powersite by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Powersite. At $1922 for a
six-month policy, insuring
your car at 65731 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Powersite?
The car insurance in Powersite is $28 per month, which is lower than the national average.
What is the cheapest car insurance in Powersite?
The cheapest car insurance in Powersite
is $83 per month
for full coverage.
How much is car insurance in Powersite for teenagers?
Car insurance for teenagers costs $244 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
Powersite?
The average cost of car insurance is $981 for a six-month
policy. It will cost around $162 per month to insure your
car in Powersite.
Is car insurance expensive in Powersite?
Car insurance can be expensive in Powersite if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Powersite can be
affordable.
What is the best car insurance in Powersite,
MO?
The best car insurance company in Powersite
MO is
American Family, offering $489 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Powersite, MO
Car Insurance Rates by State in the USA (2025 Update)
Powersite Car Insurance
