Cheapest Car Insurance Quotes in Vanduser

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Vanduser Car Insurance

^$ 26

/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 Vanduser

The car insurance rate in Vanduser is $1059 for a six-month policy, which is $105 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $454, making it a popular choice for budget-conscious drivers. Rates in Vanduser 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 Vanduser

$1059

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Vanduser

1st place: American Family

At $454 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 $611 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $627 for six months, making it the third cheapest auto insurance company in Vanduser.

Vanduser Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Vanduser, MO is American Family, offering policies at just $454 for a six-month term. This is followed by USAA, which has an average six-month premium of $611.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2589 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Vanduser drivers find the best deals.

Cheap Car Insurance Companies in Vanduser, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$454	$77
USAA	$611	$103
Travelers	$627	$106
Encompass	$854	$142
Shelter	$881	$148
State Farm	$962	$162
Electric	$995	$169
Farm Bureau	$1022	$170
Missouri Farm Bureau	$1087	$185
Progressive	$1125	$189
Allstate	$1206	$203
Nationwide	$1362	$227
Farmers	$2589	$440

Key Takeaways

Way's key takeaways about car insurance in Vanduser

The auto insurance costs in Vanduser fall around $454 for six months.
The cheapest auto insurance company in Vanduser is USAA.
Teen drivers pay the highest rate in Vanduser at $1413 per month.

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Cheapest Minimum Liability Car Insurance in Vanduser

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 Vanduser are given below.

USAA provides the cheapest minimum car insurance coverage in Vanduser. Their Average 6 Month Premium is $157. Farmers is the most expensive at $930 for the same period.

Cheapest Liability Coverage in Vanduser, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$157	$26
Missouri Farm Bureau	$173	$29
Electric	$222	$37
Travelers	$227	$38
Farm Bureau	$232	$39
American Family	$243	$41
Encompass	$254	$43
Progressive	$259	$44
Shelter	$319	$54
State Farm	$340	$57
Nationwide	$546	$91
Allstate	$568	$96
Farmers	$930	$155

Cheapest Full Coverage Car Insurance in Vanduser

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 Vanduser is American Family at $77 per month and $454 for six months.

Cheapest Full Coverage Car Insurance Quotes in Vanduser, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$454	$77
USAA	$611	$103
Travelers	$627	$106
Encompass	$854	$142
Shelter	$881	$148
State Farm	$962	$162
Electric	$995	$169
Farm Bureau	$1022	$170
Missouri Farm Bureau	$1087	$185
Progressive	$1125	$189
Allstate	$1206	$203
Nationwide	$1362	$227
Farmers	$2589	$440

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Average Car Insurance in Vanduser 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 Vanduser, MO increasing?

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

Car Insurance Premiums by Age in Vanduser

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 Vanduser,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 Vanduser at $38 per month. At $8481 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	$227	$38
American Family	$259	$44
Travelers	$984	$166
USAA	$995	$167
Progressive	$1897	$319
State Farm	$1957	$329
Shelter	$2184	$368
Farm Bureau	$2654	$451
Allstate	$3449	$581
Nationwide	$4157	$707
Farmers	$8481	$1413

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 Vanduser, Kemper is the cheapest car insurance provider. At $416 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 Vanduser is Farmers, offering rates of around $5265 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$416	$71
American Family	$443	$74
Nationwide	$513	$87
Travelers	$827	$139
USAA	$956	$163
Progressive	$1206	$203
Shelter	$1384	$233
Farm Bureau	$1719	$287
Allstate	$2017	$339
State Farm	$3649	$608
Farmers	$5265	$895

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Car Insurance Rates with An Accident in Vanduser

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

Cheapest Car Insurance Companies after an At-Fault Accident in Vanduser

The cheapest car insurance companies after an at-fault accident in Vanduser include Missouri Farm Bureau and Electric, offering $189 and $270, respectively. Farmers is an expensive provider with an average six-month premium of $3692.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$189	$32
Electric	$270	$46
American Family	$298	$49
Encompass	$346	$59
USAA	$492	$83
Travelers	$557	$94
Progressive	$816	$137
State Farm	$849	$143
Shelter	$951	$160
Farm Bureau	$1319	$224
Nationwide	$2017	$336
Allstate	$2449	$412
Farmers	$3692	$615

Vanduser Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Vanduser MO. For example, the car insurance in Vanduser after a DUI increases to $735 for a six month policy. While the rate increases by $254 for a six-month policy in the case of a speeding ticket.

Vanduser auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1454	$242
One Med/PIP claim	$1454	$248
Not-at-fault accident	$1497	$249
One comp claim	$1508	$257
Two Med/PIP claims	$1508	$251
Two comp claims	$1605	$273
Failure to wear a seat belt	$1649	$275
Failure to show documents	$1654	$281
Child safety restraint	$1681	$280
Driving without lights	$1681	$286
Driving with expired registration	$1692	$282
Cell phone violation	$1703	$289
Driving too slowly	$1703	$284
Following too closely	$1703	$289
Speeding in school zone	$1703	$284
Failure to yield	$1708	$290
Speeding 11 - 15 MPH over limit	$1708	$285
Speeding 16 - 20 MPH over limit	$1708	$290
Speeding 6 - 10 MPH over limit	$1708	$285
Texting while driving	$1708	$290
Illegal turn	$1714	$286
Wrong way/wrong lane	$1714	$291
Failure to stop at a red light	$1719	$287
Improper passing	$1719	$292
Speeding 21 - 25 MPH over limit	$1719	$287
In 65 MPH zone	$1730	$294
Passing school bus	$1762	$294
Open container	$1816	$308
Operating a vehicle without permission	$1859	$310
At-fault accident - less than $1000	$2011	$342
At-fault accident - $1000-$2000	$2124	$354
At-fault accident - greater than $2000	$2124	$361
Refusal to submit to a chemical test	$2151	$359
DUI	$2189	$372
Driving with a suspended license	$2238	$373
Racing	$2292	$389
Leaving scene of an accident/hit and run	$2324	$388
Reckless driving	$2351	$399

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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 Vanduser 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 Vanduser.

The cheapest car insurance premiums in Vanduser are offered by Missouri Farm Bureau at $227 for a six-month policy. However, it can be as expensive as $4735 with companies like Farmers.

Vanduser car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$227	$38
American Family	$292	$48
Kemper	$362	$62
Travelers	$584	$98
USAA	$746	$126
Progressive	$784	$132
Shelter	$1059	$178
State Farm	$1151	$194
Farm Bureau	$1243	$211
Allstate	$2006	$338
Nationwide	$2513	$428
Farmers	$4735	$789

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 Vanduser are offered by American Family at $292. However, it can be as expensive as $3287 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Vanduser after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$292	$50
Travelers	$605	$102
USAA	$627	$106
Shelter	$697	$117
State Farm	$746	$126
Progressive	$908	$153
Farm Bureau	$1054	$179
Allstate	$1822	$304
Farmers	$3287	$559

Car Insurance Price Trends in Vanduser, Missouri

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

The average cost of full coverage in the Vanduser rose by $203 in January compared to $118 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 Vanduser rose to $51 in January, compared to $44 in December. This represents an increase of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Vanduser?

The car insurance in Vanduser is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Vanduser?

The cheapest car insurance in Vanduser is $77 per month for full coverage.

How much is car insurance in Vanduser for teenagers?

Car insurance for teenagers costs $227 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 Vanduser?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $178 per month to insure your car in Vanduser.

Is car insurance expensive in Vanduser?

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

Cheapest Car Insurance Quotes in Vanduser

Why you can trust Way?

How Much Is Car Insurance in Vanduser

Avg. Car Insurance in Vanduser

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Vanduser

1st place: American Family

2nd place: USAA

3rd place: Travelers

Vanduser Car Insurance Rates by Company

Cheap Car Insurance Companies in Vanduser, MO

Way's key takeaways about car insurance in Vanduser

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Vanduser

Cheapest Liability Coverage in Vanduser, MO

Cheapest Full Coverage Car Insurance in Vanduser

Cheapest Full Coverage Car Insurance Quotes in Vanduser, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Vanduser by Rating Factor

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

Car Insurance Premiums by Age in Vanduser

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Vanduser,MO

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

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 Vanduser

Cheapest Car Insurance Companies after an At-Fault Accident in Vanduser

Vanduser Car Insurance Rates by Violation

Vanduser auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Vanduser after a DUI

Vanduser car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Vanduser after Speeding ticket

Car Insurance Price Trends in Vanduser, Missouri

Average Car Insurance Cost in Vanduser by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Vanduser, MO

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

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