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Finding the cheapest car insurance quotes in Quincy 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 Quincy
The car insurance rate in Quincy is $981 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $499, making it a popular choice for budget-conscious drivers. Rates in Quincy 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 $499 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 $630 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: USAA
USAA offers auto insurance
rates at $701
for six months, making it
the third cheapest auto insurance company in Quincy.
Quincy Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Quincy, MO is American Family, offering policies at just $499 for a six-month term. This is followed by Travelers, which has an average six-month premium of $630.
At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1497 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Quincy drivers find the best deals.
The auto insurance costs in Quincy fall around $499 for six
months.
The cheapest auto insurance company in Quincy is USAA.
Teen drivers pay the highest rate in Quincy at $761 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 Quincy
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 Quincy are given below.
USAA provides
the cheapest minimum car insurance
coverage in Quincy. Their Average 6 Month Premium is $172.
Nationwide is the most
expensive at $600 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 Quincy is American Family
at $85 per month and $499
for six months.
Cheapest Full Coverage Car Insurance Quotes in Quincy,
MO
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 Quincy, MO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Quincy, 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, Quincy's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Quincy
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
Quincy,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 Quincy at $42
per
month. At $4568 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 Quincy.
As young drivers face the highest rates in Quincy, 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 Quincy,
Progressive is
the cheapest car insurance provider. At $362 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
Quincy is Allstate, offering
rates of around $582 for six
months.
Save up to $971/yr on car insurance rates in Quincy.
Car Insurance Rates with An Accident in Quincy
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 Quincy, MO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Quincy
The cheapest car insurance companies after an at-fault accident in
Quincy include Missouri Farm Bureau
and Electric, offering $208
and $297,
respectively. Allstate is an expensive provider
with an average six-month premium of
$2406.
Here is a list of driving violations that can increase your car
insurance rates in Quincy MO. For example, the car
insurance in Quincy
after a DUI increases to $808 for a six
month policy. While the rate increases by $279 for a six-month policy in the case of
a speeding ticket.
Quincy auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1598
$266
One Med/PIP claim
$1598
$272
Not-at-fault accident
$1645
$274
One comp claim
$1657
$282
Two Med/PIP claims
$1657
$276
Two comp claims
$1764
$300
Failure to wear a seat belt
$1812
$302
Failure to show documents
$1818
$309
Child safety restraint
$1847
$308
Driving without lights
$1847
$314
Driving with expired registration
$1859
$310
Cell phone violation
$1871
$318
Driving too slowly
$1871
$312
Following too closely
$1871
$318
Speeding in school zone
$1871
$312
Failure to yield
$1877
$319
Speeding 11 - 15 MPH over limit
$1877
$313
Speeding 16 - 20 MPH over limit
$1877
$319
Speeding 6 - 10 MPH over limit
$1877
$313
Texting while driving
$1877
$319
Illegal turn
$1883
$314
Wrong way/wrong lane
$1883
$320
Failure to stop at a red light
$1889
$315
Improper passing
$1889
$321
Speeding 21 - 25 MPH over limit
$1889
$315
In 65 MPH zone
$1901
$323
Passing school bus
$1936
$323
Open container
$1996
$339
Operating a vehicle without permission
$2043
$341
At-fault accident - less than $1000
$2210
$376
At-fault accident - $1000-$2000
$2334
$389
At-fault accident - greater than $2000
$2334
$397
Refusal to submit to a chemical test
$2364
$394
DUI
$2406
$409
Driving with a suspended license
$2459
$410
Racing
$2519
$428
Leaving scene of an accident/hit and run
$2554
$426
Reckless driving
$2584
$439
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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 Quincy 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 Quincy.
The cheapest car insurance premiums in
Quincy are
offered by Missouri Farm Bureau at $249 for a six-month policy.
However, it can be as
expensive as $2762 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 Quincy are offered by Progressive
at $285. However,
it can be as expensive as $428
with companies like Shelter for a similar
six-month premium.
Cheapest Car Insurance in Quincy after Speeding ticket
Car insurance rates in Quincy have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Quincy remained steady at $130 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Quincy remained steady at $48 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Quincy. At $1962 for a
six-month policy, insuring
your car at 65735 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 Quincy?
The car insurance in Quincy is $29 per month, which is lower than the national average.
What is the cheapest car insurance in Quincy?
The cheapest car insurance in Quincy
is $85 per month
for full coverage.
How much is car insurance in Quincy for teenagers?
Car insurance for teenagers costs $249 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
Quincy?
The average cost of car insurance is $981 for a six-month
policy. It will cost around $165 per month to insure your
car in Quincy.
Is car insurance expensive in Quincy?
Car insurance can be expensive in Quincy if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Quincy can be
affordable.
What is the best car insurance in Quincy,
MO?
The best car insurance company in Quincy
MO is
American Family, offering $499 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Quincy, MO
Car Insurance Rates by State in the USA (2025 Update)
Quincy Car Insurance
