Cheapest Car Insurance Quotes in Sycamore Hills

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Sycamore Hills Car Insurance

^$ 35

/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 Sycamore Hills

The car insurance rate in Sycamore Hills is $1408 for a six-month policy, which is $244 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $604, making it a popular choice for budget-conscious drivers. Rates in Sycamore 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 Sycamore Hills

$1408

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Sycamore Hills

1st place: American Family

At $604 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 $812 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $834 for six months, making it the third cheapest auto insurance company in Sycamore Hills.

Sycamore Hills Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sycamore Hills, MO is American Family, offering policies at just $604 for a six-month term. This is followed by USAA, which has an average six-month premium of $812.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3442 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sycamore Hills drivers find the best deals.

Cheap Car Insurance Companies in Sycamore Hills, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$604	$103
USAA	$812	$137
Travelers	$834	$140
Encompass	$1136	$189
Shelter	$1171	$197
State Farm	$1279	$215
Electric	$1323	$225
Farm Bureau	$1359	$226
Missouri Farm Bureau	$1445	$246
Progressive	$1496	$252
Allstate	$1603	$270
Nationwide	$1811	$301
Farmers	$3442	$586

Key Takeaways

Way's key takeaways about car insurance in Sycamore Hills

The auto insurance costs in Sycamore Hills fall around $604 for six months.
The cheapest auto insurance company in Sycamore Hills is USAA.
Teen drivers pay the highest rate in Sycamore Hills at $1879 per month.

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Cheapest Minimum Liability Car Insurance in Sycamore 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 Sycamore Hills are given below.

USAA provides the cheapest minimum car insurance coverage in Sycamore Hills. Their Average 6 Month Premium is $208. Farmers is the most expensive at $1237 for the same period.

Cheapest Liability Coverage in Sycamore Hills, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$208	$35
Missouri Farm Bureau	$230	$39
Electric	$295	$50
Travelers	$301	$51
Farm Bureau	$309	$52
American Family	$323	$54
Encompass	$338	$57
Progressive	$345	$58
Shelter	$424	$71
State Farm	$453	$76
Nationwide	$726	$121
Allstate	$755	$127
Farmers	$1237	$206

Cheapest Full Coverage Car Insurance in Sycamore 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 Sycamore Hills is American Family at $103 per month and $604 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sycamore Hills, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$604	$103
USAA	$812	$137
Travelers	$834	$140
Encompass	$1136	$189
Shelter	$1171	$197
State Farm	$1279	$215
Electric	$1323	$225
Farm Bureau	$1359	$226
Missouri Farm Bureau	$1445	$246
Progressive	$1496	$252
Allstate	$1603	$270
Nationwide	$1811	$301
Farmers	$3442	$586

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Average Car Insurance in Sycamore 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 Sycamore Hills, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Sycamore 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, Sycamore 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 Sycamore 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 Sycamore 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 Sycamore Hills at $51 per month. At $11277 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	$301	$51
American Family	$345	$58
Travelers	$1308	$220
USAA	$1323	$223
Progressive	$2523	$425
State Farm	$2602	$438
Shelter	$2904	$489
Farm Bureau	$3530	$600
Allstate	$4586	$772
Nationwide	$5527	$940
Farmers	$11277	$1879

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 Sycamore Hills, Kemper is the cheapest car insurance provider. At $553 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 Sycamore Hills is Farmers, offering rates of around $7001 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$553	$94
American Family	$589	$98
Nationwide	$682	$116
Travelers	$1100	$185
USAA	$1272	$217
Progressive	$1603	$270
Shelter	$1840	$310
Farm Bureau	$2286	$381
Allstate	$2681	$451
State Farm	$4852	$808
Farmers	$7001	$1191

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Save up to $971/yr on car insurance rates in Sycamore Hills.

Car Insurance Rates with An Accident in Sycamore 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 Sycamore Hills, MO, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Sycamore Hills include Missouri Farm Bureau and Electric, offering $252 and $359, respectively. Farmers is an expensive provider with an average six-month premium of $4909.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$252	$42
Electric	$359	$62
American Family	$396	$65
Encompass	$460	$79
USAA	$655	$110
Travelers	$741	$125
Progressive	$1085	$183
State Farm	$1129	$190
Shelter	$1264	$213
Farm Bureau	$1753	$298
Nationwide	$2681	$446
Allstate	$3256	$548
Farmers	$4909	$818

Sycamore Hills Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sycamore Hills MO. For example, the car insurance in Sycamore Hills after a DUI increases to $977 for a six month policy. While the rate increases by $337 for a six-month policy in the case of a speeding ticket.

Sycamore Hills auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1934	$322
One Med/PIP claim	$1934	$329
Not-at-fault accident	$1990	$332
One comp claim	$2005	$341
Two Med/PIP claims	$2005	$334
Two comp claims	$2134	$363
Failure to wear a seat belt	$2193	$365
Failure to show documents	$2200	$374
Child safety restraint	$2235	$373
Driving without lights	$2235	$380
Driving with expired registration	$2249	$375
Cell phone violation	$2264	$385
Driving too slowly	$2264	$378
Following too closely	$2264	$385
Speeding in school zone	$2264	$378
Failure to yield	$2271	$386
Speeding 11 - 15 MPH over limit	$2271	$379
Speeding 16 - 20 MPH over limit	$2271	$386
Speeding 6 - 10 MPH over limit	$2271	$379
Texting while driving	$2271	$386
Illegal turn	$2278	$380
Wrong way/wrong lane	$2278	$387
Failure to stop at a red light	$2286	$381
Improper passing	$2286	$388
Speeding 21 - 25 MPH over limit	$2286	$381
In 65 MPH zone	$2300	$391
Passing school bus	$2343	$391
Open container	$2415	$410
Operating a vehicle without permission	$2472	$413
At-fault accident - less than $1000	$2674	$455
At-fault accident - $1000-$2000	$2824	$471
At-fault accident - greater than $2000	$2824	$480
Refusal to submit to a chemical test	$2860	$477
DUI	$2911	$495
Driving with a suspended license	$2975	$496
Racing	$3048	$518
Leaving scene of an accident/hit and run	$3090	$515
Reckless driving	$3127	$531

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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 Sycamore 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 Sycamore Hills.

The cheapest car insurance premiums in Sycamore Hills are offered by Missouri Farm Bureau at $301 for a six-month policy. However, it can be as expensive as $6296 with companies like Farmers.

Sycamore Hills car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$301	$51
American Family	$388	$64
Kemper	$482	$82
Travelers	$777	$131
USAA	$992	$167
Progressive	$1042	$175
Shelter	$1408	$237
State Farm	$1531	$258
Farm Bureau	$1653	$281
Allstate	$2667	$449
Nationwide	$3342	$569
Farmers	$6296	$1049

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 Sycamore Hills are offered by American Family at $388. However, it can be as expensive as $4371 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Sycamore Hills after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$388	$67
Travelers	$805	$136
USAA	$834	$142
Shelter	$927	$156
State Farm	$992	$167
Progressive	$1208	$203
Farm Bureau	$1401	$238
Allstate	$2422	$404
Farmers	$4371	$743

Car Insurance Price Trends in Sycamore Hills, Missouri

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

The average cost of full coverage in the Sycamore Hills rose by $270 in January compared to $157 of December. In other words, there has been an increase by $113 when you compare January and December.

The average cost of liability insurance in the Sycamore Hills rose to $68 in January, compared to $58 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Sycamore Hills?

The car insurance in Sycamore Hills is $35 per month, which is lower than the national average.

What is the cheapest car insurance in Sycamore Hills?

The cheapest car insurance in Sycamore Hills is $103 per month for full coverage.

How much is car insurance in Sycamore Hills for teenagers?

Car insurance for teenagers costs $301 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 Sycamore Hills?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $237 per month to insure your car in Sycamore Hills.

Is car insurance expensive in Sycamore Hills?

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

Cheapest Car Insurance Quotes in Sycamore Hills

Why you can trust Way?

How Much Is Car Insurance in Sycamore Hills

Avg. Car Insurance in Sycamore Hills

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Sycamore Hills

1st place: American Family

2nd place: USAA

3rd place: Travelers

Sycamore Hills Car Insurance Rates by Company

Cheap Car Insurance Companies in Sycamore Hills, MO

Way's key takeaways about car insurance in Sycamore Hills

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sycamore Hills

Cheapest Liability Coverage in Sycamore Hills, MO

Cheapest Full Coverage Car Insurance in Sycamore Hills

Cheapest Full Coverage Car Insurance Quotes in Sycamore Hills, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sycamore Hills by Rating Factor

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

Car Insurance Premiums by Age in Sycamore Hills

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Sycamore Hills Car Insurance Rates by Violation

Sycamore Hills auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sycamore Hills after a DUI

Sycamore Hills car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sycamore Hills after Speeding ticket

Car Insurance Price Trends in Sycamore Hills, Missouri

Average Car Insurance Cost in Sycamore Hills by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sycamore Hills, MO

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

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