Cheapest Car Insurance Quotes in Sunset Hills

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Sunset Hills Car Insurance

^$ 30

/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 Sunset Hills

The car insurance rate in Sunset Hills is $1030 for a six-month policy, which is $49 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $524, making it a popular choice for budget-conscious drivers. Rates in Sunset Hills 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 Sunset Hills

$1030

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Sunset Hills

1st place: American Family

At $524 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 $662 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $736 for six months, making it the third cheapest auto insurance company in Sunset Hills.

Sunset Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sunset Hills, MO is American Family, offering policies at just $524 for a six-month term. This is followed by Travelers, which has an average six-month premium of $662.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1572 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sunset Hills drivers find the best deals.

Cheap Car Insurance Companies in Sunset Hills, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$524	$89
Travelers	$662	$111
USAA	$736	$124
Shelter	$980	$165
Encompass	$986	$168
State Farm	$1042	$175
Electric	$1148	$195
Allstate	$1185	$200
Progressive	$1247	$210
Missouri Farm Bureau	$1254	$209
Nationwide	$1572	$268

Key Takeaways

Way's key takeaways about car insurance in Sunset Hills

The auto insurance costs in Sunset Hills fall around $524 for six months.
The cheapest auto insurance company in Sunset Hills is USAA.
Teen drivers pay the highest rate in Sunset Hills at $799 per month.

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Cheapest Minimum Liability Car Insurance in Sunset Hills

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 Sunset Hills are given below.

USAA provides the cheapest minimum car insurance coverage in Sunset Hills. Their Average 6 Month Premium is $181. Nationwide is the most expensive at $630 for the same period.

Cheapest Liability Coverage in Sunset Hills, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$181	$30
Missouri Farm Bureau	$200	$34
Travelers	$244	$41
Electric	$256	$43
Progressive	$274	$46
American Family	$280	$47
Encompass	$293	$49
Shelter	$350	$59
State Farm	$374	$63
Allstate	$562	$96
Nationwide	$630	$105

Cheapest Full Coverage Car Insurance in Sunset Hills

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 Sunset Hills is American Family at $89 per month and $524 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sunset Hills, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$524	$89
Travelers	$662	$111
USAA	$736	$124
Shelter	$980	$165
Encompass	$986	$168
State Farm	$1042	$175
Electric	$1148	$195
Allstate	$1185	$200
Progressive	$1247	$210
Missouri Farm Bureau	$1254	$209
Nationwide	$1572	$268

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Average Car Insurance in Sunset Hills 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 Sunset Hills, MO increasing?

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

Car Insurance Premiums by Age in Sunset Hills

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 Sunset Hills,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 Sunset Hills at $44 per month. At $4796 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	$261	$44
American Family	$299	$50
Travelers	$717	$121
USAA	$1104	$186
Progressive	$1610	$271
State Farm	$1803	$303
Shelter	$2127	$355
Allstate	$4285	$729
Nationwide	$4796	$799

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 Sunset Hills, Progressive is the cheapest car insurance provider. At $380 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 Sunset Hills is Allstate, offering rates of around $611 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$380	$65
Travelers	$393	$65
Kemper	$480	$82
American Family	$511	$85
Shelter	$537	$91
Nationwide	$592	$99
Allstate	$611	$104

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Car Insurance Rates with An Accident in Sunset Hills

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sunset Hills

The cheapest car insurance companies after an at-fault accident in Sunset Hills include Missouri Farm Bureau and Electric, offering $218 and $312, respectively. Allstate is an expensive provider with an average six-month premium of $2526.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$218	$37
Electric	$312	$54
American Family	$343	$57
Encompass	$399	$68
Travelers	$474	$80
USAA	$486	$82
Progressive	$679	$114
State Farm	$823	$139
Shelter	$923	$155
Nationwide	$2327	$396
Allstate	$2526	$421

Sunset Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sunset Hills MO. For example, the car insurance in Sunset Hills after a DUI increases to $848 for a six month policy. While the rate increases by $293 for a six-month policy in the case of a speeding ticket.

Sunset Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1678	$279
One Med/PIP claim	$1678	$286
Not-at-fault accident	$1727	$288
One comp claim	$1740	$296
Two Med/PIP claims	$1740	$290
Two comp claims	$1852	$315
Failure to wear a seat belt	$1903	$317
Failure to show documents	$1909	$324
Child safety restraint	$1939	$323
Driving without lights	$1939	$330
Driving with expired registration	$1952	$326
Cell phone violation	$1965	$334
Driving too slowly	$1965	$328
Following too closely	$1965	$334
Speeding in school zone	$1965	$328
Failure to yield	$1971	$335
Speeding 11 - 15 MPH over limit	$1971	$329
Speeding 16 - 20 MPH over limit	$1971	$335
Speeding 6 - 10 MPH over limit	$1971	$329
Texting while driving	$1971	$335
Illegal turn	$1977	$330
Wrong way/wrong lane	$1977	$336
Failure to stop at a red light	$1983	$331
Improper passing	$1983	$337
Speeding 21 - 25 MPH over limit	$1983	$331
In 65 MPH zone	$1996	$339
Passing school bus	$2033	$339
Open container	$2096	$356
Operating a vehicle without permission	$2145	$358
At-fault accident - less than $1000	$2321	$395
At-fault accident - $1000-$2000	$2451	$408
At-fault accident - greater than $2000	$2451	$417
Refusal to submit to a chemical test	$2482	$414
DUI	$2526	$429
Driving with a suspended license	$2582	$431
Racing	$2645	$449
Leaving scene of an accident/hit and run	$2682	$447
Reckless driving	$2713	$461

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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 Sunset Hills 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 Sunset Hills.

The cheapest car insurance premiums in Sunset Hills are offered by Missouri Farm Bureau at $261 for a six-month policy. However, it can be as expensive as $2900 with companies like Nationwide.

Sunset Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$261	$44
American Family	$337	$56
Kemper	$418	$71
Travelers	$505	$85
Progressive	$624	$105
USAA	$774	$130
State Farm	$874	$147
Shelter	$1016	$171
Allstate	$2196	$374
Nationwide	$2900	$483

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 Sunset Hills are offered by Progressive at $299. However, it can be as expensive as $449 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Sunset Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$299	$50
Travelers	$318	$53
American Family	$337	$58
State Farm	$374	$62
Shelter	$449	$77

Car Insurance Price Trends in Sunset Hills, Missouri

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

The average cost of full coverage in the Sunset Hills remained steady at $137 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Sunset Hills remained steady at $50 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 Sunset Hills?

The car insurance in Sunset Hills is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Sunset Hills?

The cheapest car insurance in Sunset Hills is $89 per month for full coverage.

How much is car insurance in Sunset Hills for teenagers?

Car insurance for teenagers costs $261 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 Sunset Hills?

The average cost of car insurance is $981 for a six-month policy. It will cost around $173 per month to insure your car in Sunset Hills.

Is car insurance expensive in Sunset Hills?

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

Cheapest Car Insurance Quotes in Sunset Hills

Why you can trust Way?

How Much Is Car Insurance in Sunset Hills

Avg. Car Insurance in Sunset Hills

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Sunset Hills

1st place: American Family

2nd place: Travelers

3rd place: USAA

Sunset Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Sunset Hills, MO

Way's key takeaways about car insurance in Sunset Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sunset Hills

Cheapest Liability Coverage in Sunset Hills, MO

Cheapest Full Coverage Car Insurance in Sunset Hills

Cheapest Full Coverage Car Insurance Quotes in Sunset Hills, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sunset Hills by Rating Factor

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

Car Insurance Premiums by Age in Sunset Hills

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sunset Hills,MO

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

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 Sunset Hills

Cheapest Car Insurance Companies after an At-Fault Accident in Sunset Hills

Sunset Hills Car Insurance Rates by Violation

Sunset Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sunset Hills after a DUI

Sunset Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sunset Hills after Speeding ticket

Car Insurance Price Trends in Sunset Hills, Missouri

Average Car Insurance Cost in Sunset Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sunset Hills, MO

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

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