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Cheapest Car Insurance Quotes in Sedgewickville

  • Finding the cheapest car insurance quotes in Sedgewickville 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.
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399,755 Policies Sold
Sedgewickville Car Insurance
$ 29

/mo

Sara Sam
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.

How Much Is Car Insurance in Sedgewickville

The car insurance rate in Sedgewickville is $971 for a six-month policy, which is $10 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 Sedgewickville 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 Sedgewickville

$971

National Average

$1140

Cheapest Car Insurance Companies in Sedgewickville

1st place: American Family

At $494 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 $624 for a six-month policy, making it one of the cheapest to insure with. 

3rd place: USAA

USAA offers auto insurance rates at $694 for six months, making it the third cheapest auto insurance company in Sedgewickville.

Sedgewickville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sedgewickville, MO is American Family, offering policies at just $494 for a six-month term. This is followed by Travelers, which has an average six-month premium of $624.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1482 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sedgewickville drivers find the best deals.

Cheap Car Insurance Companies in Sedgewickville, MO

Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $494 $84
Travelers $624 $105
USAA $694 $117
Shelter $924 $155
Encompass $930 $158
State Farm $982 $165
Electric $1082 $184
Allstate $1118 $188
Progressive $1176 $198
Missouri Farm Bureau $1182 $197
Nationwide $1482 $252
Key Takeaways

Way's key takeaways about car insurance in Sedgewickville

  • The auto insurance costs in Sedgewickville fall around $494 for six months. 
  • The cheapest auto insurance company in Sedgewickville is USAA.
  • Teen drivers pay the highest rate in Sedgewickville at $753 per month.

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Cheapest Minimum Liability Car Insurance in Sedgewickville

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 Sedgewickville are given below. 

USAA provides the cheapest minimum car insurance coverage in Sedgewickville. Their Average 6 Month Premium is $170. Nationwide is the most expensive at $594 for the same period. 

Cheapest Liability Coverage in Sedgewickville, MO

Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $170 $29
Missouri Farm Bureau $188 $32
Travelers $230 $39
Electric $242 $41
Progressive $258 $44
American Family $264 $45
Encompass $276 $47
Shelter $330 $55
State Farm $352 $59
Allstate $530 $90
Nationwide $594 $99

Cheapest Full Coverage Car Insurance in Sedgewickville

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

Cheapest Full Coverage Car Insurance Quotes in Sedgewickville, MO

Company Avg. 6 Mo. Premium Avg. Monthly Premium
American Family $494 $84
Travelers $624 $105
USAA $694 $117
Shelter $924 $155
Encompass $930 $158
State Farm $982 $165
Electric $1082 $184
Allstate $1118 $188
Progressive $1176 $198
Missouri Farm Bureau $1182 $197
Nationwide $1482 $252

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Average Car Insurance in Sedgewickville 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 Sedgewickville, MO increasing?

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

Cheapest Car Insurance Rates for Teen Drivers in Sedgewickville,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 Sedgewickville at $42 per month. At $4522 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 $247 $42
American Family $282 $48
Travelers $676 $114
USAA $1040 $175
Progressive $1518 $255
State Farm $1700 $286
Shelter $2006 $335
Allstate $4040 $687
Nationwide $4522 $753

Teen Car Insurance Rates in MO by Age

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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 Sedgewickville, Progressive is the cheapest car insurance provider. At $358 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 Sedgewickville is Allstate, offering rates of around $576 for six months. 

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Progressive $358 $61
Travelers $370 $61
Kemper $452 $77
American Family $482 $80
Shelter $506 $86
Nationwide $558 $93
Allstate $576 $98

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Car Insurance Rates with An Accident in Sedgewickville

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

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

The cheapest car insurance companies after an at-fault accident in Sedgewickville include Missouri Farm Bureau and Electric, offering $206 and $294, respectively. Allstate is an expensive provider with an average six-month premium of $2382.

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Missouri Farm Bureau $206 $35
Electric $294 $50
American Family $324 $53
Encompass $376 $64
Travelers $446 $75
USAA $458 $77
Progressive $641 $108
State Farm $776 $131
Shelter $870 $147
Nationwide $2194 $373
Allstate $2382 $397

Sedgewickville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sedgewickville MO. For example, the car insurance in Sedgewickville 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.  

Sedgewickville 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 Sedgewickville 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 Sedgewickville.

The cheapest car insurance premiums in Sedgewickville are offered by Missouri Farm Bureau at $247 for a six-month policy. However, it can be as expensive as $2734 with companies like Nationwide.

Sedgewickville 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 $476 $80
Progressive $588 $99
USAA $730 $123
State Farm $824 $139
Shelter $958 $161
Allstate $2070 $352
Nationwide $2734 $455

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 Sedgewickville are offered by Progressive at $282. However, it can be as expensive as $424 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Sedgewickville after Speeding ticket

Company Avg. 6 Mo. Premium Avg. Monthly Premium
Progressive $282 $48
Travelers $300 $50
American Family $318 $54
State Farm $352 $58
Shelter $424 $72

Car Insurance Price Trends in Sedgewickville, Missouri

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

The average cost of full coverage in the Sedgewickville remained steady at $129 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Sedgewickville remained steady at $48 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 Sedgewickville?

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

What is the cheapest car insurance in Sedgewickville?

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

How much is car insurance in Sedgewickville for teenagers?

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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 Sedgewickville?

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The average cost of car insurance is $981 for a six-month policy. It will cost around $163 per month to insure your car in Sedgewickville.

Is car insurance expensive in Sedgewickville?

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

What is the best car insurance in Sedgewickville, MO?

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The best car insurance company in Sedgewickville MO is American Family, offering $494 for a six-month policy.

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