Cheapest Car Insurance Quotes in Wellsville

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Wellsville Car Insurance

^$ 28

/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 Wellsville

The car insurance rate in Wellsville is $1141 for a six-month policy, which is $23 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $489, making it a popular choice for budget-conscious drivers. Rates in Wellsville 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 Wellsville

$1141

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Wellsville

1st place: American Family

At $489 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 $658 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $675 for six months, making it the third cheapest auto insurance company in Wellsville.

Wellsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wellsville, MO is American Family, offering policies at just $489 for a six-month term. This is followed by USAA, which has an average six-month premium of $658.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2788 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wellsville drivers find the best deals.

Cheap Car Insurance Companies in Wellsville, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$489	$83
USAA	$658	$111
Travelers	$675	$114
Encompass	$920	$153
Shelter	$949	$160
State Farm	$1036	$174
Electric	$1071	$182
Farm Bureau	$1101	$183
Missouri Farm Bureau	$1170	$199
Progressive	$1211	$204
Allstate	$1299	$219
Nationwide	$1467	$244
Farmers	$2788	$474

Key Takeaways

Way's key takeaways about car insurance in Wellsville

The auto insurance costs in Wellsville fall around $489 for six months.
The cheapest auto insurance company in Wellsville is USAA.
Teen drivers pay the highest rate in Wellsville at $1522 per month.

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Cheapest Minimum Liability Car Insurance in Wellsville

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 Wellsville are given below.

USAA provides the cheapest minimum car insurance coverage in Wellsville. Their Average 6 Month Premium is $169. Farmers is the most expensive at $1002 for the same period.

Cheapest Liability Coverage in Wellsville, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$169	$28
Missouri Farm Bureau	$186	$31
Electric	$239	$40
Travelers	$244	$41
Farm Bureau	$250	$42
American Family	$262	$44
Encompass	$273	$46
Progressive	$279	$47
Shelter	$343	$58
State Farm	$367	$62
Nationwide	$588	$98
Allstate	$612	$103
Farmers	$1002	$167

Cheapest Full Coverage Car Insurance in Wellsville

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 Wellsville is American Family at $83 per month and $489 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wellsville, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$489	$83
USAA	$658	$111
Travelers	$675	$114
Encompass	$920	$153
Shelter	$949	$160
State Farm	$1036	$174
Electric	$1071	$182
Farm Bureau	$1101	$183
Missouri Farm Bureau	$1170	$199
Progressive	$1211	$204
Allstate	$1299	$219
Nationwide	$1467	$244
Farmers	$2788	$474

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Average Car Insurance in Wellsville 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 Wellsville, MO increasing?

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

Car Insurance Premiums by Age in Wellsville

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 Wellsville,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 Wellsville at $41 per month. At $9134 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	$244	$41
American Family	$279	$47
Travelers	$1059	$178
USAA	$1071	$180
Progressive	$2043	$344
State Farm	$2107	$355
Shelter	$2352	$396
Farm Bureau	$2859	$486
Allstate	$3714	$625
Nationwide	$4477	$761
Farmers	$9134	$1522

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 Wellsville, Kemper is the cheapest car insurance provider. At $448 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 Wellsville is Farmers, offering rates of around $5670 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$448	$76
American Family	$477	$79
Nationwide	$553	$94
Travelers	$891	$150
USAA	$1030	$175
Progressive	$1299	$219
Shelter	$1491	$251
Farm Bureau	$1851	$309
Allstate	$2172	$366
State Farm	$3930	$655
Farmers	$5670	$964

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Car Insurance Rates with An Accident in Wellsville

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

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

The cheapest car insurance companies after an at-fault accident in Wellsville include Missouri Farm Bureau and Electric, offering $204 and $291, respectively. Farmers is an expensive provider with an average six-month premium of $3976.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$204	$34
Electric	$291	$50
American Family	$320	$53
Encompass	$372	$64
USAA	$530	$89
Travelers	$600	$101
Progressive	$879	$148
State Farm	$914	$154
Shelter	$1024	$172
Farm Bureau	$1420	$241
Nationwide	$2172	$362
Allstate	$2637	$444
Farmers	$3976	$662

Wellsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wellsville MO. For example, the car insurance in Wellsville after a DUI increases to $792 for a six month policy. While the rate increases by $273 for a six-month policy in the case of a speeding ticket.

Wellsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1566	$261
One Med/PIP claim	$1566	$267
Not-at-fault accident	$1612	$269
One comp claim	$1624	$276
Two Med/PIP claims	$1624	$270
Two comp claims	$1729	$294
Failure to wear a seat belt	$1776	$296
Failure to show documents	$1782	$303
Child safety restraint	$1810	$302
Driving without lights	$1810	$308
Driving with expired registration	$1822	$304
Cell phone violation	$1834	$312
Driving too slowly	$1834	$306
Following too closely	$1834	$312
Speeding in school zone	$1834	$306
Failure to yield	$1839	$313
Speeding 11 - 15 MPH over limit	$1839	$307
Speeding 16 - 20 MPH over limit	$1839	$313
Speeding 6 - 10 MPH over limit	$1839	$307
Texting while driving	$1839	$313
Illegal turn	$1845	$308
Wrong way/wrong lane	$1845	$314
Failure to stop at a red light	$1851	$309
Improper passing	$1851	$315
Speeding 21 - 25 MPH over limit	$1851	$309
In 65 MPH zone	$1863	$317
Passing school bus	$1897	$317
Open container	$1956	$332
Operating a vehicle without permission	$2002	$334
At-fault accident - less than $1000	$2166	$368
At-fault accident - $1000-$2000	$2287	$381
At-fault accident - greater than $2000	$2287	$389
Refusal to submit to a chemical test	$2317	$386
DUI	$2358	$401
Driving with a suspended license	$2410	$402
Racing	$2469	$419
Leaving scene of an accident/hit and run	$2503	$417
Reckless driving	$2532	$430

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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 Wellsville 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 Wellsville.

The cheapest car insurance premiums in Wellsville are offered by Missouri Farm Bureau at $244 for a six-month policy. However, it can be as expensive as $5099 with companies like Farmers.

Wellsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$244	$41
American Family	$315	$52
Kemper	$390	$67
Travelers	$629	$106
USAA	$804	$135
Progressive	$844	$142
Shelter	$1141	$192
State Farm	$1240	$209
Farm Bureau	$1339	$227
Allstate	$2160	$364
Nationwide	$2707	$461
Farmers	$5099	$850

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 Wellsville are offered by American Family at $315. However, it can be as expensive as $3540 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Wellsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$315	$54
Travelers	$652	$110
USAA	$675	$115
Shelter	$751	$126
State Farm	$804	$135
Progressive	$978	$165
Farm Bureau	$1135	$193
Allstate	$1962	$327
Farmers	$3540	$602

Car Insurance Price Trends in Wellsville, Missouri

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

The average cost of full coverage in the Wellsville rose by $219 in January compared to $127 of December. In other words, there has been an increase by $92 when you compare January and December.

The average cost of liability insurance in the Wellsville rose to $55 in January, compared to $47 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Wellsville?

The car insurance in Wellsville is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Wellsville?

The cheapest car insurance in Wellsville is $83 per month for full coverage.

How much is car insurance in Wellsville for teenagers?

Car insurance for teenagers costs $244 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 Wellsville?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $192 per month to insure your car in Wellsville.

Is car insurance expensive in Wellsville?

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

Cheapest Car Insurance Quotes in Wellsville

Why you can trust Way?

How Much Is Car Insurance in Wellsville

Avg. Car Insurance in Wellsville

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Wellsville

1st place: American Family

2nd place: USAA

3rd place: Travelers

Wellsville Car Insurance Rates by Company

Cheap Car Insurance Companies in Wellsville, MO

Way's key takeaways about car insurance in Wellsville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wellsville

Cheapest Liability Coverage in Wellsville, MO

Cheapest Full Coverage Car Insurance in Wellsville

Cheapest Full Coverage Car Insurance Quotes in Wellsville, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wellsville by Rating Factor

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

Car Insurance Premiums by Age in Wellsville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wellsville,MO

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

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 Wellsville

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

Wellsville Car Insurance Rates by Violation

Wellsville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wellsville after a DUI

Wellsville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wellsville after Speeding ticket

Car Insurance Price Trends in Wellsville, Missouri

Average Car Insurance Cost in Wellsville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wellsville, MO

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

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