Cheapest Car Insurance Quotes in Ravenwood

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Ravenwood Car Insurance

^$ 29

/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 Ravenwood

The car insurance rate in Ravenwood is $1152 for a six-month policy, which is $12 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $494, making it a popular choice for budget-conscious drivers. Rates in Ravenwood 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 Ravenwood

$1152

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Ravenwood

1st place: American Family

At $494 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 $664 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $682 for six months, making it the third cheapest auto insurance company in Ravenwood.

Ravenwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ravenwood, MO is American Family, offering policies at just $494 for a six-month term. This is followed by USAA, which has an average six-month premium of $664.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2817 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ravenwood drivers find the best deals.

Cheap Car Insurance Companies in Ravenwood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$494	$84
USAA	$664	$112
Travelers	$682	$115
Encompass	$930	$154
Shelter	$958	$161
State Farm	$1046	$176
Electric	$1082	$184
Farm Bureau	$1112	$185
Missouri Farm Bureau	$1182	$201
Progressive	$1224	$206
Allstate	$1312	$221
Nationwide	$1482	$247
Farmers	$2817	$479

Key Takeaways

Way's key takeaways about car insurance in Ravenwood

The auto insurance costs in Ravenwood fall around $494 for six months.
The cheapest auto insurance company in Ravenwood is USAA.
Teen drivers pay the highest rate in Ravenwood at $1537 per month.

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Cheapest Minimum Liability Car Insurance in Ravenwood

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 Ravenwood are given below.

USAA provides the cheapest minimum car insurance coverage in Ravenwood. Their Average 6 Month Premium is $170. Farmers is the most expensive at $1012 for the same period.

Cheapest Liability Coverage in Ravenwood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$170	$29
Missouri Farm Bureau	$188	$32
Electric	$242	$41
Travelers	$247	$42
Farm Bureau	$252	$43
American Family	$264	$45
Encompass	$276	$47
Progressive	$282	$48
Shelter	$347	$58
State Farm	$370	$62
Nationwide	$594	$99
Allstate	$618	$104
Farmers	$1012	$168

Cheapest Full Coverage Car Insurance in Ravenwood

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 Ravenwood is American Family at $84 per month and $494 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ravenwood, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$494	$84
USAA	$664	$112
Travelers	$682	$115
Encompass	$930	$154
Shelter	$958	$161
State Farm	$1046	$176
Electric	$1082	$184
Farm Bureau	$1112	$185
Missouri Farm Bureau	$1182	$201
Progressive	$1224	$206
Allstate	$1312	$221
Nationwide	$1482	$247
Farmers	$2817	$479

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Average Car Insurance in Ravenwood 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 Ravenwood, MO increasing?

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

Car Insurance Premiums by Age in Ravenwood

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 Ravenwood,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 Ravenwood at $42 per month. At $9227 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	$247	$42
American Family	$282	$48
Travelers	$1070	$180
USAA	$1082	$182
Progressive	$2064	$347
State Farm	$2129	$358
Shelter	$2376	$400
Farm Bureau	$2888	$491
Allstate	$3752	$632
Nationwide	$4522	$769
Farmers	$9227	$1537

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 Ravenwood, Kemper is the cheapest car insurance provider. At $452 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 Ravenwood is Farmers, offering rates of around $5728 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$452	$77
American Family	$482	$80
Nationwide	$558	$95
Travelers	$900	$151
USAA	$1040	$177
Progressive	$1312	$221
Shelter	$1506	$253
Farm Bureau	$1870	$312
Allstate	$2194	$369
State Farm	$3970	$661
Farmers	$5728	$974

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Car Insurance Rates with An Accident in Ravenwood

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

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

The cheapest car insurance companies after an at-fault accident in Ravenwood include Missouri Farm Bureau and Electric, offering $206 and $294, respectively. Farmers is an expensive provider with an average six-month premium of $4016.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$206	$35
Electric	$294	$50
American Family	$324	$53
Encompass	$376	$64
USAA	$536	$90
Travelers	$606	$102
Progressive	$888	$149
State Farm	$924	$155
Shelter	$1035	$174
Farm Bureau	$1435	$244
Nationwide	$2194	$365
Allstate	$2664	$448
Farmers	$4016	$669

Ravenwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ravenwood MO. For example, the car insurance in Ravenwood after a DUI increases to $800 for a six month policy. While the rate increases by $276 for a six-month policy in the case of a speeding ticket.

Ravenwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1582	$263
One Med/PIP claim	$1582	$269
Not-at-fault accident	$1629	$271
One comp claim	$1640	$279
Two Med/PIP claims	$1640	$273
Two comp claims	$1746	$297
Failure to wear a seat belt	$1794	$299
Failure to show documents	$1800	$306
Child safety restraint	$1829	$305
Driving without lights	$1829	$311
Driving with expired registration	$1840	$307
Cell phone violation	$1852	$315
Driving too slowly	$1852	$309
Following too closely	$1852	$315
Speeding in school zone	$1852	$309
Failure to yield	$1858	$316
Speeding 11 - 15 MPH over limit	$1858	$310
Speeding 16 - 20 MPH over limit	$1858	$316
Speeding 6 - 10 MPH over limit	$1858	$310
Texting while driving	$1858	$316
Illegal turn	$1864	$311
Wrong way/wrong lane	$1864	$317
Failure to stop at a red light	$1870	$312
Improper passing	$1870	$318
Speeding 21 - 25 MPH over limit	$1870	$312
In 65 MPH zone	$1882	$320
Passing school bus	$1917	$320
Open container	$1976	$336
Operating a vehicle without permission	$2023	$338
At-fault accident - less than $1000	$2188	$372
At-fault accident - $1000-$2000	$2311	$385
At-fault accident - greater than $2000	$2311	$393
Refusal to submit to a chemical test	$2340	$390
DUI	$2382	$405
Driving with a suspended license	$2434	$406
Racing	$2494	$424
Leaving scene of an accident/hit and run	$2528	$422
Reckless driving	$2558	$435

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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 Ravenwood 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 Ravenwood.

The cheapest car insurance premiums in Ravenwood are offered by Missouri Farm Bureau at $247 for a six-month policy. However, it can be as expensive as $5151 with companies like Farmers.

Ravenwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$247	$42
American Family	$318	$52
Kemper	$394	$67
Travelers	$636	$107
USAA	$812	$137
Progressive	$852	$144
Shelter	$1152	$194
State Farm	$1252	$211
Farm Bureau	$1352	$230
Allstate	$2182	$367
Nationwide	$2734	$465
Farmers	$5151	$858

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 Ravenwood are offered by American Family at $318. However, it can be as expensive as $3576 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ravenwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$318	$54
Travelers	$658	$111
USAA	$682	$116
Shelter	$758	$128
State Farm	$812	$137
Progressive	$988	$166
Farm Bureau	$1146	$195
Allstate	$1982	$331
Farmers	$3576	$608

Car Insurance Price Trends in Ravenwood, Missouri

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

The average cost of full coverage in the Ravenwood rose by $221 in January compared to $129 of December. In other words, there has been an increase by $92 when you compare January and December.

The average cost of liability insurance in the Ravenwood rose to $55 in January, compared to $48 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ravenwood?

The car insurance in Ravenwood is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Ravenwood?

The cheapest car insurance in Ravenwood is $84 per month for full coverage.

How much is car insurance in Ravenwood for teenagers?

Car insurance for teenagers costs $247 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 Ravenwood?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $194 per month to insure your car in Ravenwood.

Is car insurance expensive in Ravenwood?

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

Cheapest Car Insurance Quotes in Ravenwood

Why you can trust Way?

How Much Is Car Insurance in Ravenwood

Avg. Car Insurance in Ravenwood

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Ravenwood

1st place: American Family

2nd place: USAA

3rd place: Travelers

Ravenwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Ravenwood, MO

Way's key takeaways about car insurance in Ravenwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ravenwood

Cheapest Liability Coverage in Ravenwood, MO

Cheapest Full Coverage Car Insurance in Ravenwood

Cheapest Full Coverage Car Insurance Quotes in Ravenwood, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ravenwood by Rating Factor

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

Car Insurance Premiums by Age in Ravenwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ravenwood,MO

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

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 Ravenwood

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

Ravenwood Car Insurance Rates by Violation

Ravenwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ravenwood after a DUI

Ravenwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ravenwood after Speeding ticket

Car Insurance Price Trends in Ravenwood, Missouri

Average Car Insurance Cost in Ravenwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ravenwood, MO

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

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