Cheapest Car Insurance Quotes in Wellston

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406,175 Policies Sold

Wellston Car Insurance

^$ 44

/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 Wellston

The car insurance rate in Wellston is $1769 for a six-month policy, which is $605 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $758, making it a popular choice for budget-conscious drivers. Rates in Wellston 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 Wellston

$1769

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Wellston

1st place: American Family

At $758 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 $1020 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $1047 for six months, making it the third cheapest auto insurance company in Wellston.

Wellston Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wellston, MO is American Family, offering policies at just $758 for a six-month term. This is followed by USAA, which has an average six-month premium of $1020.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $4324 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wellston drivers find the best deals.

Cheap Car Insurance Companies in Wellston, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$758	$129
USAA	$1020	$172
Travelers	$1047	$176
Encompass	$1427	$237
Shelter	$1471	$248
State Farm	$1607	$271
Electric	$1661	$283
Farm Bureau	$1707	$284
Missouri Farm Bureau	$1815	$309
Progressive	$1879	$316
Allstate	$2014	$339
Nationwide	$2275	$378
Farmers	$4324	$736

Key Takeaways

Way's key takeaways about car insurance in Wellston

The auto insurance costs in Wellston fall around $758 for six months.
The cheapest auto insurance company in Wellston is USAA.
Teen drivers pay the highest rate in Wellston at $2361 per month.

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Cheapest Minimum Liability Car Insurance in Wellston

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 Wellston are given below.

USAA provides the cheapest minimum car insurance coverage in Wellston. Their Average 6 Month Premium is $261. Farmers is the most expensive at $1553 for the same period.

Cheapest Liability Coverage in Wellston, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$261	$44
Missouri Farm Bureau	$289	$49
Electric	$371	$62
Travelers	$378	$64
Farm Bureau	$388	$65
American Family	$406	$68
Encompass	$424	$71
Progressive	$433	$73
Shelter	$532	$90
State Farm	$568	$96
Nationwide	$912	$152
Allstate	$948	$160
Farmers	$1553	$258

Cheapest Full Coverage Car Insurance in Wellston

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 Wellston is American Family at $129 per month and $758 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wellston, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$758	$129
USAA	$1020	$172
Travelers	$1047	$176
Encompass	$1427	$237
Shelter	$1471	$248
State Farm	$1607	$271
Electric	$1661	$283
Farm Bureau	$1707	$284
Missouri Farm Bureau	$1815	$309
Progressive	$1879	$316
Allstate	$2014	$339
Nationwide	$2275	$378
Farmers	$4324	$736

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Average Car Insurance in Wellston 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 Wellston, MO increasing?

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

Car Insurance Premiums by Age in Wellston

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 Wellston,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 Wellston at $64 per month. At $14166 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	$378	$64
American Family	$433	$73
Travelers	$1643	$277
USAA	$1661	$280
Progressive	$3169	$534
State Farm	$3268	$550
Shelter	$3648	$614
Farm Bureau	$4434	$754
Allstate	$5761	$970
Nationwide	$6943	$1181
Farmers	$14166	$2361

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 Wellston, Kemper is the cheapest car insurance provider. At $695 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 Wellston is Farmers, offering rates of around $8795 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$695	$119
American Family	$740	$123
Nationwide	$857	$146
Travelers	$1382	$233
USAA	$1598	$272
Progressive	$2014	$339
Shelter	$2312	$389
Farm Bureau	$2871	$479
Allstate	$3368	$567
State Farm	$6095	$1015
Farmers	$8795	$1496

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Car Insurance Rates with An Accident in Wellston

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

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

The cheapest car insurance companies after an at-fault accident in Wellston include Missouri Farm Bureau and Electric, offering $316 and $451, respectively. Farmers is an expensive provider with an average six-month premium of $6167.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$316	$53
Electric	$451	$78
American Family	$497	$82
Encompass	$578	$99
USAA	$822	$138
Travelers	$930	$157
Progressive	$1363	$230
State Farm	$1418	$239
Shelter	$1588	$268
Farm Bureau	$2202	$374
Nationwide	$3368	$561
Allstate	$4090	$689
Farmers	$6167	$1028

Wellston Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wellston MO. For example, the car insurance in Wellston after a DUI increases to $1228 for a six month policy. While the rate increases by $424 for a six-month policy in the case of a speeding ticket.

Wellston auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2429	$404
One Med/PIP claim	$2429	$413
Not-at-fault accident	$2500	$416
One comp claim	$2519	$429
Two Med/PIP claims	$2519	$420
Two comp claims	$2681	$456
Failure to wear a seat belt	$2754	$459
Failure to show documents	$2763	$470
Child safety restraint	$2807	$468
Driving without lights	$2807	$477
Driving with expired registration	$2826	$471
Cell phone violation	$2844	$483
Driving too slowly	$2844	$474
Following too closely	$2844	$483
Speeding in school zone	$2844	$474
Failure to yield	$2853	$485
Speeding 11 - 15 MPH over limit	$2853	$476
Speeding 16 - 20 MPH over limit	$2853	$485
Speeding 6 - 10 MPH over limit	$2853	$476
Texting while driving	$2853	$485
Illegal turn	$2862	$477
Wrong way/wrong lane	$2862	$486
Failure to stop at a red light	$2871	$479
Improper passing	$2871	$488
Speeding 21 - 25 MPH over limit	$2871	$479
In 65 MPH zone	$2890	$491
Passing school bus	$2943	$491
Open container	$3034	$515
Operating a vehicle without permission	$3105	$518
At-fault accident - less than $1000	$3359	$572
At-fault accident - $1000-$2000	$3548	$591
At-fault accident - greater than $2000	$3548	$603
Refusal to submit to a chemical test	$3593	$599
DUI	$3657	$622
Driving with a suspended license	$3738	$623
Racing	$3829	$651
Leaving scene of an accident/hit and run	$3882	$648
Reckless driving	$3928	$667

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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 Wellston 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 Wellston.

The cheapest car insurance premiums in Wellston are offered by Missouri Farm Bureau at $378 for a six-month policy. However, it can be as expensive as $7909 with companies like Farmers.

Wellston car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$378	$64
American Family	$488	$81
Kemper	$605	$103
Travelers	$976	$164
USAA	$1246	$210
Progressive	$1309	$220
Shelter	$1769	$298
State Farm	$1923	$324
Farm Bureau	$2076	$353
Allstate	$3350	$564
Nationwide	$4198	$714
Farmers	$7909	$1318

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 Wellston are offered by American Family at $488. However, it can be as expensive as $5490 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Wellston after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$488	$84
Travelers	$1011	$170
USAA	$1047	$178
Shelter	$1164	$196
State Farm	$1246	$210
Progressive	$1517	$255
Farm Bureau	$1760	$299
Allstate	$3043	$508
Farmers	$5490	$933

Car Insurance Price Trends in Wellston, Missouri

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

The average cost of full coverage in the Wellston rose by $339 in January compared to $198 of December. In other words, there has been an increase by $141 when you compare January and December.

The average cost of liability insurance in the Wellston rose to $85 in January, compared to $73 in December. This represents an increase of $12 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Wellston?

The car insurance in Wellston is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Wellston?

The cheapest car insurance in Wellston is $129 per month for full coverage.

How much is car insurance in Wellston for teenagers?

Car insurance for teenagers costs $378 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 Wellston?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $298 per month to insure your car in Wellston.

Is car insurance expensive in Wellston?

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

Cheapest Car Insurance Quotes in Wellston

Why you can trust Way?

How Much Is Car Insurance in Wellston

Avg. Car Insurance in Wellston

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Wellston

1st place: American Family

2nd place: USAA

3rd place: Travelers

Wellston Car Insurance Rates by Company

Cheap Car Insurance Companies in Wellston, MO

Way's key takeaways about car insurance in Wellston

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wellston

Cheapest Liability Coverage in Wellston, MO

Cheapest Full Coverage Car Insurance in Wellston

Cheapest Full Coverage Car Insurance Quotes in Wellston, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wellston by Rating Factor

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

Car Insurance Premiums by Age in Wellston

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wellston,MO

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

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 Wellston

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

Wellston Car Insurance Rates by Violation

Wellston auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wellston after a DUI

Wellston car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wellston after Speeding ticket

Car Insurance Price Trends in Wellston, Missouri

Average Car Insurance Cost in Wellston by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wellston, MO

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

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