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Finding the cheapest car insurance quotes in Tecumseh shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Tecumseh
The car insurance rate in Tecumseh is $1269 for a six-month policy, which is $105 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $544, making it a popular choice for budget-conscious drivers. Rates in Tecumseh 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.
At $544 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 $731 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Travelers
Travelers offers auto insurance
rates at $751
for six months, making it
the third cheapest auto insurance company in Tecumseh.
Tecumseh Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Tecumseh, MO is American Family, offering policies at just $544 for a six-month term. This is followed by USAA, which has an average six-month premium of $731.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3101 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tecumseh drivers find the best deals.
Way's key takeaways about car insurance in Tecumseh
The auto insurance costs in Tecumseh fall around $544 for six
months.
The cheapest auto insurance company in Tecumseh is USAA.
Teen drivers pay the highest rate in Tecumseh at $1693 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Tecumseh
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 Tecumseh are given below.
USAA provides
the cheapest minimum car insurance
coverage in Tecumseh. Their Average 6 Month Premium is $187.
Farmers is the most
expensive at $1114 for the same
period.
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 Tecumseh is American Family
at $93 per month and $544
for six months.
Cheapest Full Coverage Car Insurance Quotes in Tecumseh,
MO
Get Your Car Insurance Quote in Tecumseh
Instantly!
Average Car Insurance in Tecumseh 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 Tecumseh, MO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Tecumseh, 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, Tecumseh's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Tecumseh
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Tecumseh,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 Tecumseh at $46
per
month. At $10159 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Tecumseh.
As young drivers face the highest rates in Tecumseh, N/A
offers the cheapest auto insurance rates at $N/A for six months.
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 Tecumseh,
Kemper is
the cheapest car insurance provider. At $498 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
Tecumseh is Farmers, offering
rates of around $6307 for six
months.
Save up to $971/yr on car insurance rates in Tecumseh.
Car Insurance Rates with An Accident in Tecumseh
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 Tecumseh, MO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Tecumseh
The cheapest car insurance companies after an at-fault accident in
Tecumseh include Missouri Farm Bureau
and Electric, offering $227
and $324,
respectively. Farmers is an expensive provider
with an average six-month premium of
$4422.
Here is a list of driving violations that can increase your car
insurance rates in Tecumseh MO. For example, the car
insurance in Tecumseh
after a DUI increases to $881 for a six
month policy. While the rate increases by $304 for a six-month policy in the case of
a speeding ticket.
Tecumseh auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1742
$290
One Med/PIP claim
$1742
$296
Not-at-fault accident
$1793
$299
One comp claim
$1806
$307
Two Med/PIP claims
$1806
$301
Two comp claims
$1923
$327
Failure to wear a seat belt
$1975
$329
Failure to show documents
$1982
$337
Child safety restraint
$2013
$336
Driving without lights
$2013
$342
Driving with expired registration
$2026
$338
Cell phone violation
$2039
$347
Driving too slowly
$2039
$340
Following too closely
$2039
$347
Speeding in school zone
$2039
$340
Failure to yield
$2046
$348
Speeding 11 - 15 MPH over limit
$2046
$341
Speeding 16 - 20 MPH over limit
$2046
$348
Speeding 6 - 10 MPH over limit
$2046
$341
Texting while driving
$2046
$348
Illegal turn
$2052
$342
Wrong way/wrong lane
$2052
$349
Failure to stop at a red light
$2059
$343
Improper passing
$2059
$350
Speeding 21 - 25 MPH over limit
$2059
$343
In 65 MPH zone
$2072
$352
Passing school bus
$2110
$352
Open container
$2176
$370
Operating a vehicle without permission
$2227
$372
At-fault accident - less than $1000
$2409
$410
At-fault accident - $1000-$2000
$2544
$424
At-fault accident - greater than $2000
$2544
$433
Refusal to submit to a chemical test
$2577
$429
DUI
$2623
$446
Driving with a suspended license
$2680
$447
Racing
$2746
$467
Leaving scene of an accident/hit and run
$2784
$464
Reckless driving
$2817
$479
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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 Tecumseh 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 Tecumseh.
The cheapest car insurance premiums in
Tecumseh are
offered by Missouri Farm Bureau at $271 for a six-month policy.
However, it can be as
expensive as $5671 with companies
like Farmers.
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 Tecumseh are offered by American Family
at $350. However,
it can be as expensive as $3937
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Tecumseh after Speeding ticket
Car insurance rates in Tecumseh have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Tecumseh rose by
$243 in January
compared to $142 of December. In other words, there has been an increase by $101 when you
compare January and December.
The average cost of liability insurance in the Tecumseh rose to $61 in January,
compared to $52 in December.
This represents an increase of $9
when comparing January and December.
Average Car Insurance Cost in Tecumseh by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Tecumseh. At $2537 for a
six-month policy, insuring
your car at 65760 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Tecumseh?
The car insurance in Tecumseh is $32 per month, which is lower than the national average.
What is the cheapest car insurance in Tecumseh?
The cheapest car insurance in Tecumseh
is $93 per month
for full coverage.
How much is car insurance in Tecumseh for teenagers?
Car insurance for teenagers costs $271 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
Tecumseh?
The average cost of car insurance is $1164 for a six-month
policy. It will cost around $214 per month to insure your
car in Tecumseh.
Is car insurance expensive in Tecumseh?
Car insurance can be expensive in Tecumseh if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Tecumseh can be
affordable.
What is the best car insurance in Tecumseh,
MO?
The best car insurance company in Tecumseh
MO is
American Family, offering $544 for a
six-month policy.
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Tecumseh Car Insurance
