Cheapest Car Insurance Quotes in Sweet Springs

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Sweet Springs 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 Sweet Springs

The car insurance rate in Sweet Springs is $1071 for a six-month policy, which is $93 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 Sweet Springs 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 Sweet Springs

$1071

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Sweet Springs

1st place: American Family

At $459 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 $617 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $634 for six months, making it the third cheapest auto insurance company in Sweet Springs.

Sweet Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sweet Springs, MO is American Family, offering policies at just $459 for a six-month term. This is followed by USAA, which has an average six-month premium of $617.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2617 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sweet Springs drivers find the best deals.

Cheap Car Insurance Companies in Sweet Springs, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$459	$78
USAA	$617	$104
Travelers	$634	$107
Encompass	$864	$144
Shelter	$891	$150
State Farm	$972	$164
Electric	$1006	$171
Farm Bureau	$1033	$172
Missouri Farm Bureau	$1098	$187
Progressive	$1137	$191
Allstate	$1219	$205
Nationwide	$1377	$229
Farmers	$2617	$445

Key Takeaways

Way's key takeaways about car insurance in Sweet Springs

The auto insurance costs in Sweet Springs fall around $459 for six months.
The cheapest auto insurance company in Sweet Springs is USAA.
Teen drivers pay the highest rate in Sweet Springs at $1429 per month.

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Cheapest Minimum Liability Car Insurance in Sweet Springs

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 Sweet Springs are given below.

USAA provides the cheapest minimum car insurance coverage in Sweet Springs. Their Average 6 Month Premium is $158. Farmers is the most expensive at $940 for the same period.

Cheapest Liability Coverage in Sweet Springs, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$158	$27
Missouri Farm Bureau	$175	$29
Electric	$224	$38
Travelers	$229	$39
Farm Bureau	$235	$40
American Family	$246	$41
Encompass	$257	$43
Progressive	$262	$44
Shelter	$322	$54
State Farm	$344	$58
Nationwide	$552	$92
Allstate	$574	$97
Farmers	$940	$156

Cheapest Full Coverage Car Insurance in Sweet Springs

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

Cheapest Full Coverage Car Insurance Quotes in Sweet Springs, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$459	$78
USAA	$617	$104
Travelers	$634	$107
Encompass	$864	$144
Shelter	$891	$150
State Farm	$972	$164
Electric	$1006	$171
Farm Bureau	$1033	$172
Missouri Farm Bureau	$1098	$187
Progressive	$1137	$191
Allstate	$1219	$205
Nationwide	$1377	$229
Farmers	$2617	$445

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Average Car Insurance in Sweet Springs 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 Sweet Springs, MO increasing?

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

Car Insurance Premiums by Age in Sweet Springs

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 Sweet Springs,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 Sweet Springs at $39 per month. At $8574 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	$229	$39
American Family	$262	$44
Travelers	$995	$167
USAA	$1006	$169
Progressive	$1918	$323
State Farm	$1978	$333
Shelter	$2208	$372
Farm Bureau	$2684	$456
Allstate	$3487	$587
Nationwide	$4203	$715
Farmers	$8574	$1429

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 Sweet Springs, Kemper is the cheapest car insurance provider. At $420 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 Sweet Springs is Farmers, offering rates of around $5323 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$420	$72
American Family	$448	$75
Nationwide	$519	$88
Travelers	$836	$141
USAA	$967	$165
Progressive	$1219	$205
Shelter	$1399	$236
Farm Bureau	$1738	$290
Allstate	$2039	$343
State Farm	$3689	$615
Farmers	$5323	$905

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Save up to $971/yr on car insurance rates in Sweet Springs.

Car Insurance Rates with An Accident in Sweet Springs

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

Cheapest Car Insurance Companies after an At-Fault Accident in Sweet Springs

The cheapest car insurance companies after an at-fault accident in Sweet Springs include Missouri Farm Bureau and Electric, offering $191 and $273, respectively. Farmers is an expensive provider with an average six-month premium of $3732.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$191	$32
Electric	$273	$47
American Family	$301	$50
Encompass	$350	$60
USAA	$498	$84
Travelers	$563	$95
Progressive	$825	$139
State Farm	$858	$144
Shelter	$961	$162
Farm Bureau	$1333	$226
Nationwide	$2039	$339
Allstate	$2476	$417
Farmers	$3732	$622

Sweet Springs Car Insurance Rates by Violation

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

Sweet Springs 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 Sweet Springs 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 Sweet Springs.

The cheapest car insurance premiums in Sweet Springs are offered by Missouri Farm Bureau at $229 for a six-month policy. However, it can be as expensive as $4787 with companies like Farmers.

Sweet Springs 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	$591	$99
USAA	$754	$127
Progressive	$792	$133
Shelter	$1071	$180
State Farm	$1164	$196
Farm Bureau	$1257	$213
Allstate	$2028	$341
Nationwide	$2541	$432
Farmers	$4787	$798

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 Sweet Springs are offered by American Family at $295. However, it can be as expensive as $3323 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sweet Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$295	$51
Travelers	$612	$103
USAA	$634	$108
Shelter	$705	$119
State Farm	$754	$127
Progressive	$918	$155
Farm Bureau	$1065	$181
Allstate	$1842	$307
Farmers	$3323	$565

Car Insurance Price Trends in Sweet Springs, Missouri

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

The average cost of full coverage in the Sweet Springs rose by $205 in January compared to $120 of December. In other words, there has been an increase by $85 when you compare January and December.

The average cost of liability insurance in the Sweet Springs rose to $52 in January, compared to $44 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 Sweet Springs?

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

What is the cheapest car insurance in Sweet Springs?

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

How much is car insurance in Sweet Springs 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 Sweet Springs?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $180 per month to insure your car in Sweet Springs.

Is car insurance expensive in Sweet Springs?

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

Cheapest Car Insurance Quotes in Sweet Springs

Why you can trust Way?

How Much Is Car Insurance in Sweet Springs

Avg. Car Insurance in Sweet Springs

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Sweet Springs

1st place: American Family

2nd place: USAA

3rd place: Travelers

Sweet Springs Car Insurance Rates by Company

Cheap Car Insurance Companies in Sweet Springs, MO

Way's key takeaways about car insurance in Sweet Springs

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sweet Springs

Cheapest Liability Coverage in Sweet Springs, MO

Cheapest Full Coverage Car Insurance in Sweet Springs

Cheapest Full Coverage Car Insurance Quotes in Sweet Springs, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sweet Springs by Rating Factor

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

Car Insurance Premiums by Age in Sweet Springs

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sweet Springs,MO

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

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 Sweet Springs

Cheapest Car Insurance Companies after an At-Fault Accident in Sweet Springs

Sweet Springs Car Insurance Rates by Violation

Sweet Springs auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sweet Springs after a DUI

Sweet Springs car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sweet Springs after Speeding ticket

Car Insurance Price Trends in Sweet Springs, Missouri

Average Car Insurance Cost in Sweet Springs by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sweet Springs, MO

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