Cheapest Car Insurance Quotes in Whiteman AFB

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Whiteman AFB Car Insurance

^$ 26

/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 Whiteman AFB

The car insurance rate in Whiteman AFB is $893 for a six-month policy, which is $88 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $454, making it a popular choice for budget-conscious drivers. Rates in Whiteman AFB 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 Whiteman AFB

$893

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Whiteman AFB

1st place: American Family

At $454 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $573 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $638 for six months, making it the third cheapest auto insurance company in Whiteman AFB.

Whiteman AFB Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Whiteman AFB, MO is American Family, offering policies at just $454 for a six-month term. This is followed by Travelers, which has an average six-month premium of $573.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1362 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Whiteman AFB drivers find the best deals.

Cheap Car Insurance Companies in Whiteman AFB, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$454	$77
Travelers	$573	$96
USAA	$638	$107
Shelter	$849	$143
Encompass	$854	$146
State Farm	$903	$152
Electric	$995	$169
Allstate	$1027	$173
Progressive	$1081	$182
Missouri Farm Bureau	$1087	$181
Nationwide	$1362	$232

Key Takeaways

Way's key takeaways about car insurance in Whiteman AFB

The auto insurance costs in Whiteman AFB fall around $454 for six months.
The cheapest auto insurance company in Whiteman AFB is USAA.
Teen drivers pay the highest rate in Whiteman AFB at $693 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Whiteman AFB

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 Whiteman AFB are given below.

USAA provides the cheapest minimum car insurance coverage in Whiteman AFB. Their Average 6 Month Premium is $157. Nationwide is the most expensive at $546 for the same period.

Cheapest Liability Coverage in Whiteman AFB, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$157	$26
Missouri Farm Bureau	$173	$29
Travelers	$211	$35
Electric	$222	$37
Progressive	$238	$40
American Family	$243	$41
Encompass	$254	$43
Shelter	$303	$51
State Farm	$324	$55
Allstate	$487	$83
Nationwide	$546	$91

Cheapest Full Coverage Car Insurance in Whiteman AFB

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 Whiteman AFB is American Family at $77 per month and $454 for six months.

Cheapest Full Coverage Car Insurance Quotes in Whiteman AFB, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$454	$77
Travelers	$573	$96
USAA	$638	$107
Shelter	$849	$143
Encompass	$854	$146
State Farm	$903	$152
Electric	$995	$169
Allstate	$1027	$173
Progressive	$1081	$182
Missouri Farm Bureau	$1087	$181
Nationwide	$1362	$232

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Average Car Insurance in Whiteman AFB 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 Whiteman AFB, MO increasing?

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

Car Insurance Premiums by Age in Whiteman AFB

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 Whiteman AFB,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 Whiteman AFB at $38 per month. At $4157 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$227	$38
American Family	$259	$44
Travelers	$622	$105
USAA	$956	$161
Progressive	$1395	$235
State Farm	$1562	$263
Shelter	$1844	$308
Allstate	$3714	$632
Nationwide	$4157	$693

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 Whiteman AFB, Progressive is the cheapest car insurance provider. At $329 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 Whiteman AFB is Allstate, offering rates of around $530 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$329	$56
Travelers	$340	$56
Kemper	$416	$71
American Family	$443	$74
Shelter	$465	$79
Nationwide	$513	$86
Allstate	$530	$90

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Whiteman AFB.

Car Insurance Rates with An Accident in Whiteman AFB

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

Cheapest Car Insurance Companies after an At-Fault Accident in Whiteman AFB

The cheapest car insurance companies after an at-fault accident in Whiteman AFB include Missouri Farm Bureau and Electric, offering $189 and $270, respectively. Allstate is an expensive provider with an average six-month premium of $2189.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$189	$32
Electric	$270	$46
American Family	$298	$49
Encompass	$346	$59
Travelers	$410	$69
USAA	$421	$71
Progressive	$589	$99
State Farm	$713	$120
Shelter	$800	$135
Nationwide	$2017	$343
Allstate	$2189	$365

Whiteman AFB Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Whiteman AFB MO. For example, the car insurance in Whiteman AFB after a DUI increases to $735 for a six month policy. While the rate increases by $254 for a six-month policy in the case of a speeding ticket.

Whiteman AFB auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1454	$242
One Med/PIP claim	$1454	$248
Not-at-fault accident	$1497	$249
One comp claim	$1508	$257
Two Med/PIP claims	$1508	$251
Two comp claims	$1605	$273
Failure to wear a seat belt	$1649	$275
Failure to show documents	$1654	$281
Child safety restraint	$1681	$280
Driving without lights	$1681	$286
Driving with expired registration	$1692	$282
Cell phone violation	$1703	$289
Driving too slowly	$1703	$284
Following too closely	$1703	$289
Speeding in school zone	$1703	$284
Failure to yield	$1708	$290
Speeding 11 - 15 MPH over limit	$1708	$285
Speeding 16 - 20 MPH over limit	$1708	$290
Speeding 6 - 10 MPH over limit	$1708	$285
Texting while driving	$1708	$290
Illegal turn	$1714	$286
Wrong way/wrong lane	$1714	$291
Failure to stop at a red light	$1719	$287
Improper passing	$1719	$292
Speeding 21 - 25 MPH over limit	$1719	$287
In 65 MPH zone	$1730	$294
Passing school bus	$1762	$294
Open container	$1816	$308
Operating a vehicle without permission	$1859	$310
At-fault accident - less than $1000	$2011	$342
At-fault accident - $1000-$2000	$2124	$354
At-fault accident - greater than $2000	$2124	$361
Refusal to submit to a chemical test	$2151	$359
DUI	$2189	$372
Driving with a suspended license	$2238	$373
Racing	$2292	$389
Leaving scene of an accident/hit and run	$2324	$388
Reckless driving	$2351	$399

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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 Whiteman AFB 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 Whiteman AFB.

The cheapest car insurance premiums in Whiteman AFB are offered by Missouri Farm Bureau at $227 for a six-month policy. However, it can be as expensive as $2513 with companies like Nationwide.

Whiteman AFB car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$227	$38
American Family	$292	$48
Kemper	$362	$62
Travelers	$438	$74
Progressive	$541	$91
USAA	$671	$113
State Farm	$757	$127
Shelter	$881	$148
Allstate	$1903	$324
Nationwide	$2513	$419

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 Whiteman AFB are offered by Progressive at $259. However, it can be as expensive as $389 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Whiteman AFB after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$259	$44
Travelers	$276	$46
American Family	$292	$50
State Farm	$324	$54
Shelter	$389	$66

Car Insurance Price Trends in Whiteman AFB, Missouri

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

The average cost of full coverage in the Whiteman AFB remained steady at $118 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Whiteman AFB remained steady at $44 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Whiteman AFB?

The car insurance in Whiteman AFB is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Whiteman AFB?

The cheapest car insurance in Whiteman AFB is $77 per month for full coverage.

How much is car insurance in Whiteman AFB for teenagers?

Car insurance for teenagers costs $227 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 Whiteman AFB?

The average cost of car insurance is $981 for a six-month policy. It will cost around $150 per month to insure your car in Whiteman AFB.

Is car insurance expensive in Whiteman AFB?

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

Cheapest Car Insurance Quotes in Whiteman AFB

Why you can trust Way?

How Much Is Car Insurance in Whiteman AFB

Avg. Car Insurance in Whiteman AFB

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Whiteman AFB

1st place: American Family

2nd place: Travelers

3rd place: USAA

Whiteman AFB Car Insurance Rates by Company

Cheap Car Insurance Companies in Whiteman AFB, MO

Way's key takeaways about car insurance in Whiteman AFB

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Whiteman AFB

Cheapest Liability Coverage in Whiteman AFB, MO

Cheapest Full Coverage Car Insurance in Whiteman AFB

Cheapest Full Coverage Car Insurance Quotes in Whiteman AFB, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Whiteman AFB by Rating Factor

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

Car Insurance Premiums by Age in Whiteman AFB

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Whiteman AFB,MO

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

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 Whiteman AFB

Cheapest Car Insurance Companies after an At-Fault Accident in Whiteman AFB

Whiteman AFB Car Insurance Rates by Violation

Whiteman AFB auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Whiteman AFB after a DUI

Whiteman AFB car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Whiteman AFB after Speeding ticket

Car Insurance Price Trends in Whiteman AFB, Missouri

Average Car Insurance Cost in Whiteman AFB by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Whiteman AFB, MO

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