Cheapest Car Insurance Quotes in Spanish Lake

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Spanish Lake Car Insurance

^$ 41

/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 Spanish Lake

The car insurance rate in Spanish Lake is $1641 for a six-month policy, which is $477 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $704, making it a popular choice for budget-conscious drivers. Rates in Spanish Lake 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 Spanish Lake

$1641

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Spanish Lake

1st place: American Family

At $704 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 $946 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $971 for six months, making it the third cheapest auto insurance company in Spanish Lake.

Spanish Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Spanish Lake, MO is American Family, offering policies at just $704 for a six-month term. This is followed by USAA, which has an average six-month premium of $946.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $4011 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Spanish Lake drivers find the best deals.

Cheap Car Insurance Companies in Spanish Lake, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$704	$120
USAA	$946	$159
Travelers	$971	$164
Encompass	$1324	$220
Shelter	$1365	$230
State Farm	$1490	$251
Electric	$1541	$262
Farm Bureau	$1583	$264
Missouri Farm Bureau	$1684	$286
Progressive	$1743	$293
Allstate	$1868	$314
Nationwide	$2111	$351
Farmers	$4011	$682

Key Takeaways

Way's key takeaways about car insurance in Spanish Lake

The auto insurance costs in Spanish Lake fall around $704 for six months.
The cheapest auto insurance company in Spanish Lake is USAA.
Teen drivers pay the highest rate in Spanish Lake at $2190 per month.

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Cheapest Minimum Liability Car Insurance in Spanish Lake

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 Spanish Lake are given below.

USAA provides the cheapest minimum car insurance coverage in Spanish Lake. Their Average 6 Month Premium is $243. Farmers is the most expensive at $1441 for the same period.

Cheapest Liability Coverage in Spanish Lake, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$243	$41
Missouri Farm Bureau	$268	$45
Electric	$344	$58
Travelers	$351	$59
Farm Bureau	$360	$61
American Family	$376	$63
Encompass	$393	$66
Progressive	$402	$68
Shelter	$494	$83
State Farm	$527	$89
Nationwide	$846	$141
Allstate	$880	$148
Farmers	$1441	$240

Cheapest Full Coverage Car Insurance in Spanish Lake

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 Spanish Lake is American Family at $120 per month and $704 for six months.

Cheapest Full Coverage Car Insurance Quotes in Spanish Lake, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$704	$120
USAA	$946	$159
Travelers	$971	$164
Encompass	$1324	$220
Shelter	$1365	$230
State Farm	$1490	$251
Electric	$1541	$262
Farm Bureau	$1583	$264
Missouri Farm Bureau	$1684	$286
Progressive	$1743	$293
Allstate	$1868	$314
Nationwide	$2111	$351
Farmers	$4011	$682

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Average Car Insurance in Spanish Lake 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 Spanish Lake, MO increasing?

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

Car Insurance Premiums by Age in Spanish Lake

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 Spanish Lake,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 Spanish Lake at $59 per month. At $13141 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	$351	$59
American Family	$402	$68
Travelers	$1524	$257
USAA	$1541	$259
Progressive	$2940	$495
State Farm	$3032	$510
Shelter	$3384	$570
Farm Bureau	$4113	$699
Allstate	$5344	$900
Nationwide	$6441	$1096
Farmers	$13141	$2190

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 Spanish Lake, Kemper is the cheapest car insurance provider. At $644 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 Spanish Lake is Farmers, offering rates of around $8158 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$644	$110
American Family	$687	$114
Nationwide	$795	$135
Travelers	$1282	$216
USAA	$1482	$252
Progressive	$1868	$314
Shelter	$2145	$361
Farm Bureau	$2663	$444
Allstate	$3125	$526
State Farm	$5654	$942
Farmers	$8158	$1387

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Car Insurance Rates with An Accident in Spanish Lake

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

Cheapest Car Insurance Companies after an At-Fault Accident in Spanish Lake

The cheapest car insurance companies after an at-fault accident in Spanish Lake include Missouri Farm Bureau and Electric, offering $293 and $419, respectively. Farmers is an expensive provider with an average six-month premium of $5720.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$293	$49
Electric	$419	$72
American Family	$461	$76
Encompass	$536	$92
USAA	$763	$128
Travelers	$863	$145
Progressive	$1265	$213
State Farm	$1316	$221
Shelter	$1473	$248
Farm Bureau	$2043	$347
Nationwide	$3125	$520
Allstate	$3794	$639
Farmers	$5720	$953

Spanish Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Spanish Lake MO. For example, the car insurance in Spanish Lake after a DUI increases to $1139 for a six month policy. While the rate increases by $394 for a six-month policy in the case of a speeding ticket.

Spanish Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2253	$375
One Med/PIP claim	$2253	$384
Not-at-fault accident	$2319	$386
One comp claim	$2336	$398
Two Med/PIP claims	$2336	$389
Two comp claims	$2487	$423
Failure to wear a seat belt	$2555	$426
Failure to show documents	$2563	$436
Child safety restraint	$2604	$434
Driving without lights	$2604	$443
Driving with expired registration	$2621	$437
Cell phone violation	$2638	$448
Driving too slowly	$2638	$440
Following too closely	$2638	$448
Speeding in school zone	$2638	$440
Failure to yield	$2647	$450
Speeding 11 - 15 MPH over limit	$2647	$441
Speeding 16 - 20 MPH over limit	$2647	$450
Speeding 6 - 10 MPH over limit	$2647	$441
Texting while driving	$2647	$450
Illegal turn	$2655	$443
Wrong way/wrong lane	$2655	$451
Failure to stop at a red light	$2663	$444
Improper passing	$2663	$453
Speeding 21 - 25 MPH over limit	$2663	$444
In 65 MPH zone	$2680	$455
Passing school bus	$2730	$455
Open container	$2814	$478
Operating a vehicle without permission	$2881	$481
At-fault accident - less than $1000	$3116	$530
At-fault accident - $1000-$2000	$3291	$548
At-fault accident - greater than $2000	$3291	$560
Refusal to submit to a chemical test	$3333	$556
DUI	$3392	$577
Driving with a suspended license	$3467	$578
Racing	$3552	$603
Leaving scene of an accident/hit and run	$3601	$601
Reckless driving	$3643	$619

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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 Spanish Lake 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 Spanish Lake.

The cheapest car insurance premiums in Spanish Lake are offered by Missouri Farm Bureau at $351 for a six-month policy. However, it can be as expensive as $7336 with companies like Farmers.

Spanish Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$351	$59
American Family	$453	$75
Kemper	$561	$96
Travelers	$905	$152
USAA	$1156	$195
Progressive	$1214	$204
Shelter	$1641	$276
State Farm	$1784	$300
Farm Bureau	$1926	$327
Allstate	$3108	$523
Nationwide	$3894	$663
Farmers	$7336	$1222

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 Spanish Lake are offered by American Family at $453. However, it can be as expensive as $5093 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Spanish Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$453	$78
Travelers	$938	$158
USAA	$971	$165
Shelter	$1080	$182
State Farm	$1156	$195
Progressive	$1407	$237
Farm Bureau	$1633	$278
Allstate	$2823	$471
Farmers	$5093	$866

Car Insurance Price Trends in Spanish Lake, Missouri

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

The average cost of full coverage in the Spanish Lake rose by $314 in January compared to $183 of December. In other words, there has been an increase by $131 when you compare January and December.

The average cost of liability insurance in the Spanish Lake rose to $79 in January, compared to $68 in December. This represents an increase of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Spanish Lake?

The car insurance in Spanish Lake is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Spanish Lake?

The cheapest car insurance in Spanish Lake is $120 per month for full coverage.

How much is car insurance in Spanish Lake for teenagers?

Car insurance for teenagers costs $351 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 Spanish Lake?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $276 per month to insure your car in Spanish Lake.

Is car insurance expensive in Spanish Lake?

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

Cheapest Car Insurance Quotes in Spanish Lake

Why you can trust Way?

How Much Is Car Insurance in Spanish Lake

Avg. Car Insurance in Spanish Lake

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Spanish Lake

1st place: American Family

2nd place: USAA

3rd place: Travelers

Spanish Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Spanish Lake, MO

Way's key takeaways about car insurance in Spanish Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Spanish Lake

Cheapest Liability Coverage in Spanish Lake, MO

Cheapest Full Coverage Car Insurance in Spanish Lake

Cheapest Full Coverage Car Insurance Quotes in Spanish Lake, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Spanish Lake by Rating Factor

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

Car Insurance Premiums by Age in Spanish Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Spanish Lake,MO

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

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 Spanish Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Spanish Lake

Spanish Lake Car Insurance Rates by Violation

Spanish Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Spanish Lake after a DUI

Spanish Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Spanish Lake after Speeding ticket

Car Insurance Price Trends in Spanish Lake, Missouri

Average Car Insurance Cost in Spanish Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Spanish Lake, MO

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