Cheapest Car Insurance Quotes in Velda City

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Velda City Car Insurance

^$ 42

/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 Velda City

The car insurance rate in Velda City is $1422 for a six-month policy, which is $441 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $724, making it a popular choice for budget-conscious drivers. Rates in Velda City 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 Velda City

$1422

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Velda City

1st place: American Family

At $724 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 $914 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $1016 for six months, making it the third cheapest auto insurance company in Velda City.

Velda City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Velda City, MO is American Family, offering policies at just $724 for a six-month term. This is followed by Travelers, which has an average six-month premium of $914.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $2171 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Velda City drivers find the best deals.

Cheap Car Insurance Companies in Velda City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$724	$123
Travelers	$914	$154
USAA	$1016	$171
Shelter	$1353	$228
Encompass	$1362	$232
State Farm	$1438	$242
Electric	$1585	$270
Allstate	$1637	$276
Progressive	$1723	$290
Missouri Farm Bureau	$1731	$289
Nationwide	$2171	$370

Key Takeaways

Way's key takeaways about car insurance in Velda City

The auto insurance costs in Velda City fall around $724 for six months.
The cheapest auto insurance company in Velda City is USAA.
Teen drivers pay the highest rate in Velda City at $1103 per month.

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Cheapest Minimum Liability Car Insurance in Velda City

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 Velda City are given below.

USAA provides the cheapest minimum car insurance coverage in Velda City. Their Average 6 Month Premium is $249. Nationwide is the most expensive at $870 for the same period.

Cheapest Liability Coverage in Velda City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$249	$42
Missouri Farm Bureau	$276	$46
Travelers	$336	$57
Electric	$354	$59
Progressive	$378	$64
American Family	$387	$65
Encompass	$405	$68
Shelter	$483	$81
State Farm	$516	$87
Allstate	$776	$132
Nationwide	$870	$145

Cheapest Full Coverage Car Insurance in Velda City

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 Velda City is American Family at $123 per month and $724 for six months.

Cheapest Full Coverage Car Insurance Quotes in Velda City, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$724	$123
Travelers	$914	$154
USAA	$1016	$171
Shelter	$1353	$228
Encompass	$1362	$232
State Farm	$1438	$242
Electric	$1585	$270
Allstate	$1637	$276
Progressive	$1723	$290
Missouri Farm Bureau	$1731	$289
Nationwide	$2171	$370

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Average Car Insurance in Velda City 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 Velda City, MO increasing?

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

Car Insurance Premiums by Age in Velda City

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 Velda City,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 Velda City at $61 per month. At $6624 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	$361	$61
American Family	$413	$70
Travelers	$990	$167
USAA	$1524	$257
Progressive	$2223	$374
State Farm	$2490	$419
Shelter	$2938	$490
Allstate	$5917	$1006
Nationwide	$6624	$1103

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 Velda City, Progressive is the cheapest car insurance provider. At $525 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 Velda City is Allstate, offering rates of around $844 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$525	$90
Travelers	$542	$90
Kemper	$663	$113
American Family	$706	$117
Shelter	$741	$126
Nationwide	$818	$136
Allstate	$844	$144

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Velda City.

Car Insurance Rates with An Accident in Velda City

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

Cheapest Car Insurance Companies after an At-Fault Accident in Velda City

The cheapest car insurance companies after an at-fault accident in Velda City include Missouri Farm Bureau and Electric, offering $302 and $431, respectively. Allstate is an expensive provider with an average six-month premium of $3489.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$302	$51
Electric	$431	$74
American Family	$474	$78
Encompass	$551	$94
Travelers	$654	$110
USAA	$671	$113
Progressive	$938	$158
State Farm	$1137	$191
Shelter	$1275	$215
Nationwide	$3213	$547
Allstate	$3489	$581

Velda City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Velda City MO. For example, the car insurance in Velda City after a DUI increases to $1172 for a six month policy. While the rate increases by $405 for a six-month policy in the case of a speeding ticket.

Velda City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2317	$386
One Med/PIP claim	$2317	$394
Not-at-fault accident	$2385	$397
One comp claim	$2403	$409
Two Med/PIP claims	$2403	$400
Two comp claims	$2558	$435
Failure to wear a seat belt	$2627	$438
Failure to show documents	$2636	$448
Child safety restraint	$2678	$447
Driving without lights	$2678	$455
Driving with expired registration	$2696	$450
Cell phone violation	$2713	$461
Driving too slowly	$2713	$452
Following too closely	$2713	$461
Speeding in school zone	$2713	$452
Failure to yield	$2722	$463
Speeding 11 - 15 MPH over limit	$2722	$454
Speeding 16 - 20 MPH over limit	$2722	$463
Speeding 6 - 10 MPH over limit	$2722	$454
Texting while driving	$2722	$463
Illegal turn	$2730	$455
Wrong way/wrong lane	$2730	$464
Failure to stop at a red light	$2739	$457
Improper passing	$2739	$465
Speeding 21 - 25 MPH over limit	$2739	$457
In 65 MPH zone	$2756	$468
Passing school bus	$2807	$468
Open container	$2894	$492
Operating a vehicle without permission	$2962	$494
At-fault accident - less than $1000	$3205	$545
At-fault accident - $1000-$2000	$3384	$564
At-fault accident - greater than $2000	$3384	$576
Refusal to submit to a chemical test	$3428	$571
DUI	$3489	$593
Driving with a suspended license	$3566	$595
Racing	$3653	$621
Leaving scene of an accident/hit and run	$3703	$618
Reckless driving	$3747	$637

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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 Velda City 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 Velda City.

The cheapest car insurance premiums in Velda City are offered by Missouri Farm Bureau at $361 for a six-month policy. However, it can be as expensive as $4005 with companies like Nationwide.

Velda City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$361	$61
American Family	$465	$77
Kemper	$577	$99
Travelers	$697	$117
Progressive	$861	$145
USAA	$1069	$180
State Farm	$1206	$203
Shelter	$1404	$236
Allstate	$3032	$516
Nationwide	$4005	$667

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 Velda City are offered by Progressive at $413. However, it can be as expensive as $621 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Velda City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$413	$70
Travelers	$439	$73
American Family	$465	$80
State Farm	$516	$86
Shelter	$621	$106

Car Insurance Price Trends in Velda City, Missouri

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

The average cost of full coverage in the Velda City remained steady at $189 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Velda City remained steady at $70 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Velda City?

The car insurance in Velda City is $42 per month, which is lower than the national average.

What is the cheapest car insurance in Velda City?

The cheapest car insurance in Velda City is $123 per month for full coverage.

How much is car insurance in Velda City for teenagers?

Car insurance for teenagers costs $361 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 Velda City?

The average cost of car insurance is $981 for a six-month policy. It will cost around $239 per month to insure your car in Velda City.

Is car insurance expensive in Velda City?

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

Cheapest Car Insurance Quotes in Velda City

Why you can trust Way?

How Much Is Car Insurance in Velda City

Avg. Car Insurance in Velda City

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Velda City

1st place: American Family

2nd place: Travelers

3rd place: USAA

Velda City Car Insurance Rates by Company

Cheap Car Insurance Companies in Velda City, MO

Way's key takeaways about car insurance in Velda City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Velda City

Cheapest Liability Coverage in Velda City, MO

Cheapest Full Coverage Car Insurance in Velda City

Cheapest Full Coverage Car Insurance Quotes in Velda City, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Velda City by Rating Factor

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

Car Insurance Premiums by Age in Velda City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Velda City,MO

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

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 Velda City

Cheapest Car Insurance Companies after an At-Fault Accident in Velda City

Velda City Car Insurance Rates by Violation

Velda City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Velda City after a DUI

Velda City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Velda City after Speeding ticket

Car Insurance Price Trends in Velda City, Missouri

Average Car Insurance Cost in Velda City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Velda City, MO

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

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