Cheapest Car Insurance Quotes in West Alton

Cheapest Minimum Liability Car Insurance in West Alton

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 West Alton are given below. 

USAA provides the cheapest minimum car insurance coverage in West Alton. Their Average 6 Month Premium is $170. Nationwide is the most expensive at $594 for the same period. 

Cheapest Liability Coverage in West Alton, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$170	$29
Missouri Farm Bureau	$188	$32
Travelers	$230	$39
Electric	$242	$41
Progressive	$258	$44
American Family	$264	$45
Encompass	$276	$47
Shelter	$330	$55
State Farm	$352	$59
Allstate	$530	$90
Nationwide	$594	$99

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Cheapest Full Coverage Car Insurance in West Alton

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 West Alton is American Family at $84 per month and $494 for six months. 

Cheapest Full Coverage Car Insurance Quotes in West Alton, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$494	$84
Travelers	$624	$105
USAA	$694	$117
Shelter	$924	$155
Encompass	$930	$158
State Farm	$982	$165
Electric	$1082	$184
Allstate	$1118	$188
Progressive	$1176	$198
Missouri Farm Bureau	$1182	$197
Nationwide	$1482	$252

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Car Insurance Premiums by Age in West Alton

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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West Alton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Alton MO. For example, the car insurance in West Alton after a DUI increases to $800 for a six month policy. While the rate increases by $276 for a six-month policy in the case of a speeding ticket.  

West Alton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1582	$263
One Med/PIP claim	$1582	$269
Not-at-fault accident	$1629	$271
One comp claim	$1640	$279
Two Med/PIP claims	$1640	$273
Two comp claims	$1746	$297
Failure to wear a seat belt	$1794	$299
Failure to show documents	$1800	$306
Child safety restraint	$1829	$305
Driving without lights	$1829	$311
Driving with expired registration	$1840	$307
Cell phone violation	$1852	$315
Driving too slowly	$1852	$309
Following too closely	$1852	$315
Speeding in school zone	$1852	$309
Failure to yield	$1858	$316
Speeding 11 - 15 MPH over limit	$1858	$310
Speeding 16 - 20 MPH over limit	$1858	$316
Speeding 6 - 10 MPH over limit	$1858	$310
Texting while driving	$1858	$316
Illegal turn	$1864	$311
Wrong way/wrong lane	$1864	$317
Failure to stop at a red light	$1870	$312
Improper passing	$1870	$318
Speeding 21 - 25 MPH over limit	$1870	$312
In 65 MPH zone	$1882	$320
Passing school bus	$1917	$320
Open container	$1976	$336
Operating a vehicle without permission	$2023	$338
At-fault accident - less than $1000	$2188	$372
At-fault accident - $1000-$2000	$2311	$385
At-fault accident - greater than $2000	$2311	$393
Refusal to submit to a chemical test	$2340	$390
DUI	$2382	$405
Driving with a suspended license	$2434	$406
Racing	$2494	$424
Leaving scene of an accident/hit and run	$2528	$422
Reckless driving	$2558	$435

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