Cheapest Car Insurance Quotes in Raytown

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Raytown Car Insurance

^$ 32

/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 Raytown

The car insurance rate in Raytown is $1099 for a six-month policy, which is $118 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $559, making it a popular choice for budget-conscious drivers. Rates in Raytown 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 Raytown

$1099

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Raytown

1st place: American Family

At $559 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 $706 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $785 for six months, making it the third cheapest auto insurance company in Raytown.

Raytown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Raytown, MO is American Family, offering policies at just $559 for a six-month term. This is followed by Travelers, which has an average six-month premium of $706.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1677 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Raytown drivers find the best deals.

Cheap Car Insurance Companies in Raytown, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$559	$95
Travelers	$706	$119
USAA	$785	$132
Shelter	$1045	$176
Encompass	$1052	$179
State Farm	$1111	$187
Electric	$1224	$208
Allstate	$1264	$213
Progressive	$1331	$224
Missouri Farm Bureau	$1337	$223
Nationwide	$1677	$286

Key Takeaways

Way's key takeaways about car insurance in Raytown

The auto insurance costs in Raytown fall around $559 for six months.
The cheapest auto insurance company in Raytown is USAA.
Teen drivers pay the highest rate in Raytown at $852 per month.

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Cheapest Minimum Liability Car Insurance in Raytown

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 Raytown are given below.

USAA provides the cheapest minimum car insurance coverage in Raytown. Their Average 6 Month Premium is $193. Nationwide is the most expensive at $672 for the same period.

Cheapest Liability Coverage in Raytown, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$193	$32
Missouri Farm Bureau	$213	$36
Travelers	$260	$44
Electric	$273	$46
Progressive	$292	$49
American Family	$299	$50
Encompass	$312	$53
Shelter	$373	$63
State Farm	$399	$67
Allstate	$599	$102
Nationwide	$672	$112

Cheapest Full Coverage Car Insurance in Raytown

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 Raytown is American Family at $95 per month and $559 for six months.

Cheapest Full Coverage Car Insurance Quotes in Raytown, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$559	$95
Travelers	$706	$119
USAA	$785	$132
Shelter	$1045	$176
Encompass	$1052	$179
State Farm	$1111	$187
Electric	$1224	$208
Allstate	$1264	$213
Progressive	$1331	$224
Missouri Farm Bureau	$1337	$223
Nationwide	$1677	$286

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Average Car Insurance in Raytown 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 Raytown, MO increasing?

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

Car Insurance Premiums by Age in Raytown

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 Raytown,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 Raytown at $47 per month. At $5116 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	$279	$47
American Family	$319	$54
Travelers	$765	$129
USAA	$1177	$198
Progressive	$1717	$289
State Farm	$1923	$324
Shelter	$2269	$379
Allstate	$4571	$777
Nationwide	$5116	$852

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 Raytown, Progressive is the cheapest car insurance provider. At $405 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 Raytown is Allstate, offering rates of around $652 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$405	$69
Travelers	$419	$69
Kemper	$512	$87
American Family	$545	$91
Shelter	$572	$97
Nationwide	$632	$105
Allstate	$652	$111

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Car Insurance Rates with An Accident in Raytown

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

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

The cheapest car insurance companies after an at-fault accident in Raytown include Missouri Farm Bureau and Electric, offering $233 and $333, respectively. Allstate is an expensive provider with an average six-month premium of $2695.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$233	$39
Electric	$333	$57
American Family	$366	$60
Encompass	$426	$73
Travelers	$505	$85
USAA	$519	$87
Progressive	$725	$122
State Farm	$878	$148
Shelter	$984	$166
Nationwide	$2482	$422
Allstate	$2695	$449

Raytown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Raytown MO. For example, the car insurance in Raytown after a DUI increases to $905 for a six month policy. While the rate increases by $312 for a six-month policy in the case of a speeding ticket.

Raytown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1790	$298
One Med/PIP claim	$1790	$305
Not-at-fault accident	$1842	$307
One comp claim	$1856	$316
Two Med/PIP claims	$1856	$309
Two comp claims	$1976	$336
Failure to wear a seat belt	$2029	$338
Failure to show documents	$2036	$346
Child safety restraint	$2069	$345
Driving without lights	$2069	$352
Driving with expired registration	$2082	$347
Cell phone violation	$2096	$356
Driving too slowly	$2096	$349
Following too closely	$2096	$356
Speeding in school zone	$2096	$349
Failure to yield	$2102	$357
Speeding 11 - 15 MPH over limit	$2102	$351
Speeding 16 - 20 MPH over limit	$2102	$357
Speeding 6 - 10 MPH over limit	$2102	$351
Texting while driving	$2102	$357
Illegal turn	$2109	$352
Wrong way/wrong lane	$2109	$358
Failure to stop at a red light	$2116	$353
Improper passing	$2116	$360
Speeding 21 - 25 MPH over limit	$2116	$353
In 65 MPH zone	$2129	$362
Passing school bus	$2168	$362
Open container	$2236	$380
Operating a vehicle without permission	$2288	$382
At-fault accident - less than $1000	$2475	$421
At-fault accident - $1000-$2000	$2614	$436
At-fault accident - greater than $2000	$2614	$445
Refusal to submit to a chemical test	$2648	$441
DUI	$2695	$458
Driving with a suspended license	$2754	$459
Racing	$2821	$479
Leaving scene of an accident/hit and run	$2860	$477
Reckless driving	$2894	$492

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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 Raytown 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 Raytown.

The cheapest car insurance premiums in Raytown are offered by Missouri Farm Bureau at $279 for a six-month policy. However, it can be as expensive as $3093 with companies like Nationwide.

Raytown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$279	$47
American Family	$360	$59
Kemper	$446	$76
Travelers	$539	$91
Progressive	$665	$112
USAA	$825	$139
State Farm	$932	$157
Shelter	$1084	$183
Allstate	$2342	$399
Nationwide	$3093	$515

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 Raytown are offered by Progressive at $319. However, it can be as expensive as $479 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Raytown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$319	$54
Travelers	$339	$56
American Family	$360	$62
State Farm	$399	$66
Shelter	$479	$82

Car Insurance Price Trends in Raytown, Missouri

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

The average cost of full coverage in the Raytown remained steady at $146 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Raytown remained steady at $54 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 Raytown?

The car insurance in Raytown is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Raytown?

The cheapest car insurance in Raytown is $95 per month for full coverage.

How much is car insurance in Raytown for teenagers?

Car insurance for teenagers costs $279 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 Raytown?

The average cost of car insurance is $981 for a six-month policy. It will cost around $185 per month to insure your car in Raytown.

Is car insurance expensive in Raytown?

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

Cheapest Car Insurance Quotes in Raytown

Why you can trust Way?

How Much Is Car Insurance in Raytown

Avg. Car Insurance in Raytown

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Raytown

1st place: American Family

2nd place: Travelers

3rd place: USAA

Raytown Car Insurance Rates by Company

Cheap Car Insurance Companies in Raytown, MO

Way's key takeaways about car insurance in Raytown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Raytown

Cheapest Liability Coverage in Raytown, MO

Cheapest Full Coverage Car Insurance in Raytown

Cheapest Full Coverage Car Insurance Quotes in Raytown, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Raytown by Rating Factor

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

Car Insurance Premiums by Age in Raytown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Raytown,MO

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

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 Raytown

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

Raytown Car Insurance Rates by Violation

Raytown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Raytown after a DUI

Raytown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Raytown after Speeding ticket

Car Insurance Price Trends in Raytown, Missouri

Average Car Insurance Cost in Raytown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Raytown, MO

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

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