Cheapest Car Insurance Quotes in Villa Ridge

Cheapest Minimum Liability Car Insurance in Villa Ridge

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 Villa Ridge are given below. 

USAA provides the cheapest minimum car insurance coverage in Villa Ridge. Their Average 6 Month Premium is $179. Farmers is the most expensive at $1063 for the same period. 

Cheapest Liability Coverage in Villa Ridge, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$179	$30
Missouri Farm Bureau	$198	$33
Electric	$254	$43
Travelers	$259	$44
Farm Bureau	$265	$45
American Family	$278	$47
Encompass	$290	$49
Progressive	$296	$50
Shelter	$364	$61
State Farm	$389	$66
Nationwide	$624	$104
Allstate	$649	$109
Farmers	$1063	$177

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Cheapest Full Coverage Car Insurance in Villa Ridge

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 Villa Ridge is American Family at $88 per month and $519 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Villa Ridge, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$519	$88
USAA	$698	$118
Travelers	$717	$121
Encompass	$977	$162
Shelter	$1007	$170
State Farm	$1099	$185
Electric	$1137	$193
Farm Bureau	$1168	$194
Missouri Farm Bureau	$1242	$211
Progressive	$1285	$216
Allstate	$1378	$232
Nationwide	$1557	$259
Farmers	$2959	$503

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Car Insurance Premiums by Age in Villa Ridge

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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Age Group	Cheapest Companies	Avg. 6 Mo. Premium

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Villa Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Villa Ridge MO. For example, the car insurance in Villa Ridge after a DUI increases to $840 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.  

Villa Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1662	$277
One Med/PIP claim	$1662	$283
Not-at-fault accident	$1711	$285
One comp claim	$1723	$293
Two Med/PIP claims	$1723	$287
Two comp claims	$1835	$312
Failure to wear a seat belt	$1884	$314
Failure to show documents	$1891	$321
Child safety restraint	$1921	$320
Driving without lights	$1921	$327
Driving with expired registration	$1933	$322
Cell phone violation	$1946	$331
Driving too slowly	$1946	$324
Following too closely	$1946	$331
Speeding in school zone	$1946	$324
Failure to yield	$1952	$332
Speeding 11 - 15 MPH over limit	$1952	$326
Speeding 16 - 20 MPH over limit	$1952	$332
Speeding 6 - 10 MPH over limit	$1952	$326
Texting while driving	$1952	$332
Illegal turn	$1958	$327
Wrong way/wrong lane	$1958	$333
Failure to stop at a red light	$1965	$328
Improper passing	$1965	$334
Speeding 21 - 25 MPH over limit	$1965	$328
In 65 MPH zone	$1977	$336
Passing school bus	$2013	$336
Open container	$2076	$353
Operating a vehicle without permission	$2125	$355
At-fault accident - less than $1000	$2298	$391
At-fault accident - $1000-$2000	$2427	$405
At-fault accident - greater than $2000	$2427	$413
Refusal to submit to a chemical test	$2459	$410
DUI	$2502	$425
Driving with a suspended license	$2557	$426
Racing	$2620	$445
Leaving scene of an accident/hit and run	$2656	$443
Reckless driving	$2687	$457

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