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 $167. Farmers is the most expensive at $991 for the same period. 

Cheapest Liability Coverage in West Alton, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$167	$28
Missouri Farm Bureau	$184	$31
Electric	$237	$40
Travelers	$242	$41
Farm Bureau	$247	$42
American Family	$259	$44
Encompass	$271	$46
Progressive	$276	$47
Shelter	$340	$57
State Farm	$363	$61
Nationwide	$582	$97
Allstate	$605	$102
Farmers	$991	$165

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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 $82 per month and $484 for six months. 

Cheapest Full Coverage Car Insurance Quotes in West Alton, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$484	$82
USAA	$651	$110
Travelers	$668	$113
Encompass	$911	$151
Shelter	$939	$158
State Farm	$1025	$173
Electric	$1060	$180
Farm Bureau	$1089	$181
Missouri Farm Bureau	$1158	$197
Progressive	$1199	$202
Allstate	$1285	$216
Nationwide	$1452	$242
Farmers	$2760	$469

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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 $784 for a six month policy. While the rate increases by $271 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	$1550	$258
One Med/PIP claim	$1550	$264
Not-at-fault accident	$1596	$266
One comp claim	$1607	$274
Two Med/PIP claims	$1607	$268
Two comp claims	$1711	$291
Failure to wear a seat belt	$1758	$293
Failure to show documents	$1763	$300
Child safety restraint	$1792	$299
Driving without lights	$1792	$305
Driving with expired registration	$1803	$301
Cell phone violation	$1815	$308
Driving too slowly	$1815	$303
Following too closely	$1815	$308
Speeding in school zone	$1815	$303
Failure to yield	$1821	$309
Speeding 11 - 15 MPH over limit	$1821	$304
Speeding 16 - 20 MPH over limit	$1821	$309
Speeding 6 - 10 MPH over limit	$1821	$304
Texting while driving	$1821	$309
Illegal turn	$1827	$305
Wrong way/wrong lane	$1827	$310
Failure to stop at a red light	$1832	$306
Improper passing	$1832	$311
Speeding 21 - 25 MPH over limit	$1832	$306
In 65 MPH zone	$1844	$313
Passing school bus	$1878	$313
Open container	$1936	$329
Operating a vehicle without permission	$1982	$331
At-fault accident - less than $1000	$2144	$365
At-fault accident - $1000-$2000	$2264	$377
At-fault accident - greater than $2000	$2264	$385
Refusal to submit to a chemical test	$2293	$382
DUI	$2334	$397
Driving with a suspended license	$2385	$398
Racing	$2443	$415
Leaving scene of an accident/hit and run	$2477	$413
Reckless driving	$2506	$426

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