Cheapest Car Insurance Quotes in Senath

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Senath Car Insurance

^$ 27

/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 Senath

The car insurance rate in Senath is $903 for a six-month policy, which is $78 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $459, making it a popular choice for budget-conscious drivers. Rates in Senath 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 Senath

$903

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Senath

1st place: American Family

At $459 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 $580 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $645 for six months, making it the third cheapest auto insurance company in Senath.

Senath Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Senath, MO is American Family, offering policies at just $459 for a six-month term. This is followed by Travelers, which has an average six-month premium of $580.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1377 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Senath drivers find the best deals.

Cheap Car Insurance Companies in Senath, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$459	$78
Travelers	$580	$98
USAA	$645	$109
Shelter	$858	$144
Encompass	$864	$147
State Farm	$913	$154
Electric	$1006	$171
Allstate	$1039	$175
Progressive	$1093	$184
Missouri Farm Bureau	$1098	$183
Nationwide	$1377	$235

Key Takeaways

Way's key takeaways about car insurance in Senath

The auto insurance costs in Senath fall around $459 for six months.
The cheapest auto insurance company in Senath is USAA.
Teen drivers pay the highest rate in Senath at $700 per month.

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Cheapest Minimum Liability Car Insurance in Senath

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 Senath are given below.

USAA provides the cheapest minimum car insurance coverage in Senath. Their Average 6 Month Premium is $158. Nationwide is the most expensive at $552 for the same period.

Cheapest Liability Coverage in Senath, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$158	$27
Missouri Farm Bureau	$175	$29
Travelers	$213	$36
Electric	$224	$38
Progressive	$240	$40
American Family	$246	$41
Encompass	$257	$43
Shelter	$306	$52
State Farm	$328	$55
Allstate	$492	$84
Nationwide	$552	$92

Cheapest Full Coverage Car Insurance in Senath

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 Senath is American Family at $78 per month and $459 for six months.

Cheapest Full Coverage Car Insurance Quotes in Senath, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$459	$78
Travelers	$580	$98
USAA	$645	$109
Shelter	$858	$144
Encompass	$864	$147
State Farm	$913	$154
Electric	$1006	$171
Allstate	$1039	$175
Progressive	$1093	$184
Missouri Farm Bureau	$1098	$183
Nationwide	$1377	$235

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Average Car Insurance in Senath 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 Senath, MO increasing?

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

Car Insurance Premiums by Age in Senath

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 Senath,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 Senath at $39 per month. At $4203 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	$229	$39
American Family	$262	$44
Travelers	$628	$106
USAA	$967	$163
Progressive	$1410	$237
State Farm	$1580	$266
Shelter	$1864	$311
Allstate	$3755	$638
Nationwide	$4203	$700

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 Senath, Progressive is the cheapest car insurance provider. At $333 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 Senath is Allstate, offering rates of around $535 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$333	$57
Travelers	$344	$57
Kemper	$420	$72
American Family	$448	$75
Shelter	$470	$80
Nationwide	$519	$86
Allstate	$535	$91

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Car Insurance Rates with An Accident in Senath

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

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

The cheapest car insurance companies after an at-fault accident in Senath include Missouri Farm Bureau and Electric, offering $191 and $273, respectively. Allstate is an expensive provider with an average six-month premium of $2214.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$191	$32
Electric	$273	$47
American Family	$301	$50
Encompass	$350	$60
Travelers	$415	$70
USAA	$426	$72
Progressive	$595	$100
State Farm	$721	$121
Shelter	$809	$136
Nationwide	$2039	$347
Allstate	$2214	$369

Senath Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Senath MO. For example, the car insurance in Senath after a DUI increases to $744 for a six month policy. While the rate increases by $257 for a six-month policy in the case of a speeding ticket.

Senath auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1470	$245
One Med/PIP claim	$1470	$250
Not-at-fault accident	$1513	$252
One comp claim	$1524	$259
Two Med/PIP claims	$1524	$254
Two comp claims	$1623	$276
Failure to wear a seat belt	$1667	$278
Failure to show documents	$1673	$284
Child safety restraint	$1699	$283
Driving without lights	$1699	$289
Driving with expired registration	$1710	$285
Cell phone violation	$1721	$293
Driving too slowly	$1721	$287
Following too closely	$1721	$293
Speeding in school zone	$1721	$287
Failure to yield	$1727	$293
Speeding 11 - 15 MPH over limit	$1727	$288
Speeding 16 - 20 MPH over limit	$1727	$293
Speeding 6 - 10 MPH over limit	$1727	$288
Texting while driving	$1727	$293
Illegal turn	$1732	$289
Wrong way/wrong lane	$1732	$294
Failure to stop at a red light	$1738	$290
Improper passing	$1738	$295
Speeding 21 - 25 MPH over limit	$1738	$290
In 65 MPH zone	$1749	$297
Passing school bus	$1781	$297
Open container	$1836	$312
Operating a vehicle without permission	$1880	$314
At-fault accident - less than $1000	$2033	$346
At-fault accident - $1000-$2000	$2147	$358
At-fault accident - greater than $2000	$2147	$365
Refusal to submit to a chemical test	$2175	$362
DUI	$2214	$376
Driving with a suspended license	$2262	$377
Racing	$2317	$394
Leaving scene of an accident/hit and run	$2350	$392
Reckless driving	$2377	$404

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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 Senath 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 Senath.

The cheapest car insurance premiums in Senath are offered by Missouri Farm Bureau at $229 for a six-month policy. However, it can be as expensive as $2541 with companies like Nationwide.

Senath car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$229	$39
American Family	$295	$49
Kemper	$366	$63
Travelers	$443	$75
Progressive	$546	$92
USAA	$678	$114
State Farm	$765	$129
Shelter	$891	$150
Allstate	$1924	$328
Nationwide	$2541	$423

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 Senath are offered by Progressive at $262. However, it can be as expensive as $394 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Senath after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$262	$44
Travelers	$279	$46
American Family	$295	$51
State Farm	$328	$54
Shelter	$394	$67

Car Insurance Price Trends in Senath, Missouri

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

The average cost of full coverage in the Senath remained steady at $120 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Senath remained steady at $44 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 Senath?

The car insurance in Senath is $27 per month, which is lower than the national average.

What is the cheapest car insurance in Senath?

The cheapest car insurance in Senath is $78 per month for full coverage.

How much is car insurance in Senath for teenagers?

Car insurance for teenagers costs $229 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 Senath?

The average cost of car insurance is $981 for a six-month policy. It will cost around $152 per month to insure your car in Senath.

Is car insurance expensive in Senath?

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

Cheapest Car Insurance Quotes in Senath

Why you can trust Way?

How Much Is Car Insurance in Senath

Avg. Car Insurance in Senath

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Senath

1st place: American Family

2nd place: Travelers

3rd place: USAA

Senath Car Insurance Rates by Company

Cheap Car Insurance Companies in Senath, MO

Way's key takeaways about car insurance in Senath

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Senath

Cheapest Liability Coverage in Senath, MO

Cheapest Full Coverage Car Insurance in Senath

Cheapest Full Coverage Car Insurance Quotes in Senath, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Senath by Rating Factor

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

Car Insurance Premiums by Age in Senath

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Senath,MO

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

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 Senath

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

Senath Car Insurance Rates by Violation

Senath auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Senath after a DUI

Senath car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Senath after Speeding ticket

Car Insurance Price Trends in Senath, Missouri

Average Car Insurance Cost in Senath by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Senath, MO

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

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