Cheapest Car Insurance Quotes in Stotts City

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Stotts City 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 Stotts City

The car insurance rate in Stotts City is $1164 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $499, making it a popular choice for budget-conscious drivers. Rates in Stotts City 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 Stotts City

$1164

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Stotts City

1st place: American Family

At $499 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 $671 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $689 for six months, making it the third cheapest auto insurance company in Stotts City.

Stotts City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Stotts City, MO is American Family, offering policies at just $499 for a six-month term. This is followed by USAA, which has an average six-month premium of $671.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2845 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Stotts City drivers find the best deals.

Cheap Car Insurance Companies in Stotts City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$499	$85
USAA	$671	$113
Travelers	$689	$116
Encompass	$939	$156
Shelter	$968	$163
State Farm	$1057	$178
Electric	$1093	$186
Farm Bureau	$1123	$187
Missouri Farm Bureau	$1194	$203
Progressive	$1236	$208
Allstate	$1325	$223
Nationwide	$1497	$249
Farmers	$2845	$484

Key Takeaways

Way's key takeaways about car insurance in Stotts City

The auto insurance costs in Stotts City fall around $499 for six months.
The cheapest auto insurance company in Stotts City is USAA.
Teen drivers pay the highest rate in Stotts City at $1553 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Stotts City

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 Stotts City are given below.

USAA provides the cheapest minimum car insurance coverage in Stotts City. Their Average 6 Month Premium is $172. Farmers is the most expensive at $1022 for the same period.

Cheapest Liability Coverage in Stotts City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$172	$29
Missouri Farm Bureau	$190	$32
Electric	$244	$41
Travelers	$249	$42
Farm Bureau	$255	$43
American Family	$267	$45
Encompass	$279	$47
Progressive	$285	$48
Shelter	$350	$59
State Farm	$374	$63
Nationwide	$600	$100
Allstate	$624	$105
Farmers	$1022	$170

Cheapest Full Coverage Car Insurance in Stotts City

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 Stotts City is American Family at $85 per month and $499 for six months.

Cheapest Full Coverage Car Insurance Quotes in Stotts City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$499	$85
USAA	$671	$113
Travelers	$689	$116
Encompass	$939	$156
Shelter	$968	$163
State Farm	$1057	$178
Electric	$1093	$186
Farm Bureau	$1123	$187
Missouri Farm Bureau	$1194	$203
Progressive	$1236	$208
Allstate	$1325	$223
Nationwide	$1497	$249
Farmers	$2845	$484

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Average Car Insurance in Stotts City 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 Stotts City, MO increasing?

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

Car Insurance Premiums by Age in Stotts City

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 Stotts City,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 Stotts City at $42 per month. At $9320 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	$249	$42
American Family	$285	$48
Travelers	$1081	$182
USAA	$1093	$184
Progressive	$2085	$351
State Farm	$2150	$362
Shelter	$2400	$404
Farm Bureau	$2917	$496
Allstate	$3790	$638
Nationwide	$4568	$777
Farmers	$9320	$1553

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 Stotts City, Kemper is the cheapest car insurance provider. At $457 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 Stotts City is Farmers, offering rates of around $5786 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$457	$78
American Family	$487	$81
Nationwide	$564	$96
Travelers	$909	$153
USAA	$1051	$179
Progressive	$1325	$223
Shelter	$1521	$256
Farm Bureau	$1889	$315
Allstate	$2216	$373
State Farm	$4010	$668
Farmers	$5786	$984

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Save up to $971/yr on car insurance rates in Stotts City.

Car Insurance Rates with An Accident in Stotts City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Stotts City

The cheapest car insurance companies after an at-fault accident in Stotts City include Missouri Farm Bureau and Electric, offering $208 and $297, respectively. Farmers is an expensive provider with an average six-month premium of $4057.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$208	$35
Electric	$297	$51
American Family	$327	$54
Encompass	$380	$65
USAA	$541	$91
Travelers	$612	$103
Progressive	$897	$151
State Farm	$933	$157
Shelter	$1045	$176
Farm Bureau	$1449	$246
Nationwide	$2216	$369
Allstate	$2691	$453
Farmers	$4057	$676

Stotts City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Stotts City MO. For example, the car insurance in Stotts City after a DUI increases to $808 for a six month policy. While the rate increases by $279 for a six-month policy in the case of a speeding ticket.

Stotts City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1598	$266
One Med/PIP claim	$1598	$272
Not-at-fault accident	$1645	$274
One comp claim	$1657	$282
Two Med/PIP claims	$1657	$276
Two comp claims	$1764	$300
Failure to wear a seat belt	$1812	$302
Failure to show documents	$1818	$309
Child safety restraint	$1847	$308
Driving without lights	$1847	$314
Driving with expired registration	$1859	$310
Cell phone violation	$1871	$318
Driving too slowly	$1871	$312
Following too closely	$1871	$318
Speeding in school zone	$1871	$312
Failure to yield	$1877	$319
Speeding 11 - 15 MPH over limit	$1877	$313
Speeding 16 - 20 MPH over limit	$1877	$319
Speeding 6 - 10 MPH over limit	$1877	$313
Texting while driving	$1877	$319
Illegal turn	$1883	$314
Wrong way/wrong lane	$1883	$320
Failure to stop at a red light	$1889	$315
Improper passing	$1889	$321
Speeding 21 - 25 MPH over limit	$1889	$315
In 65 MPH zone	$1901	$323
Passing school bus	$1936	$323
Open container	$1996	$339
Operating a vehicle without permission	$2043	$341
At-fault accident - less than $1000	$2210	$376
At-fault accident - $1000-$2000	$2334	$389
At-fault accident - greater than $2000	$2334	$397
Refusal to submit to a chemical test	$2364	$394
DUI	$2406	$409
Driving with a suspended license	$2459	$410
Racing	$2519	$428
Leaving scene of an accident/hit and run	$2554	$426
Reckless driving	$2584	$439

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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 Stotts City 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 Stotts City.

The cheapest car insurance premiums in Stotts City are offered by Missouri Farm Bureau at $249 for a six-month policy. However, it can be as expensive as $5203 with companies like Farmers.

Stotts City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$249	$42
American Family	$321	$53
Kemper	$398	$68
Travelers	$642	$108
USAA	$820	$138
Progressive	$861	$145
Shelter	$1164	$196
State Farm	$1265	$213
Farm Bureau	$1366	$232
Allstate	$2204	$371
Nationwide	$2762	$470
Farmers	$5203	$867

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 Stotts City are offered by American Family at $321. However, it can be as expensive as $3612 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Stotts City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$321	$55
Travelers	$665	$112
USAA	$689	$117
Shelter	$766	$129
State Farm	$820	$138
Progressive	$998	$168
Farm Bureau	$1158	$197
Allstate	$2002	$334
Farmers	$3612	$614

Car Insurance Price Trends in Stotts City, Missouri

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

The average cost of full coverage in the Stotts City rose by $223 in January compared to $130 of December. In other words, there has been an increase by $93 when you compare January and December.

The average cost of liability insurance in the Stotts City rose to $56 in January, compared to $48 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Stotts City?

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

What is the cheapest car insurance in Stotts City?

The cheapest car insurance in Stotts City is $85 per month for full coverage.

How much is car insurance in Stotts City for teenagers?

Car insurance for teenagers costs $249 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 Stotts City?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $196 per month to insure your car in Stotts City.

Is car insurance expensive in Stotts City?

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

Cheapest Car Insurance Quotes in Stotts City

Why you can trust Way?

How Much Is Car Insurance in Stotts City

Avg. Car Insurance in Stotts City

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Stotts City

1st place: American Family

2nd place: USAA

3rd place: Travelers

Stotts City Car Insurance Rates by Company

Cheap Car Insurance Companies in Stotts City, MO

Way's key takeaways about car insurance in Stotts City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Stotts City

Cheapest Liability Coverage in Stotts City, MO

Cheapest Full Coverage Car Insurance in Stotts City

Cheapest Full Coverage Car Insurance Quotes in Stotts City, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Stotts City by Rating Factor

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

Car Insurance Premiums by Age in Stotts City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Stotts City,MO

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

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 Stotts City

Cheapest Car Insurance Companies after an At-Fault Accident in Stotts City

Stotts City Car Insurance Rates by Violation

Stotts City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Stotts City after a DUI

Stotts City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Stotts City after Speeding ticket

Car Insurance Price Trends in Stotts City, Missouri

Average Car Insurance Cost in Stotts City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Stotts City, MO

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

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