Cheapest Car Insurance Quotes in Woodson Terrace

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Woodson Terrace Car Insurance

^$ 38

/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 Woodson Terrace

The car insurance rate in Woodson Terrace is $1513 for a six-month policy, which is $349 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $649, making it a popular choice for budget-conscious drivers. Rates in Woodson Terrace 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 Woodson Terrace

$1513

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Woodson Terrace

1st place: American Family

At $649 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 $872 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $896 for six months, making it the third cheapest auto insurance company in Woodson Terrace.

Woodson Terrace Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Woodson Terrace, MO is American Family, offering policies at just $649 for a six-month term. This is followed by USAA, which has an average six-month premium of $872.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3699 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodson Terrace drivers find the best deals.

Cheap Car Insurance Companies in Woodson Terrace, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$649	$111
USAA	$872	$147
Travelers	$896	$151
Encompass	$1221	$203
Shelter	$1258	$212
State Farm	$1374	$231
Electric	$1421	$242
Farm Bureau	$1460	$243
Missouri Farm Bureau	$1552	$264
Progressive	$1607	$270
Allstate	$1723	$290
Nationwide	$1946	$324
Farmers	$3699	$629

Key Takeaways

Way's key takeaways about car insurance in Woodson Terrace

The auto insurance costs in Woodson Terrace fall around $649 for six months.
The cheapest auto insurance company in Woodson Terrace is USAA.
Teen drivers pay the highest rate in Woodson Terrace at $2019 per month.

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Cheapest Minimum Liability Car Insurance in Woodson Terrace

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 Woodson Terrace are given below.

USAA provides the cheapest minimum car insurance coverage in Woodson Terrace. Their Average 6 Month Premium is $224. Farmers is the most expensive at $1329 for the same period.

Cheapest Liability Coverage in Woodson Terrace, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$224	$38
Missouri Farm Bureau	$247	$42
Electric	$317	$53
Travelers	$324	$55
Farm Bureau	$332	$56
American Family	$347	$59
Encompass	$363	$61
Progressive	$371	$62
Shelter	$455	$77
State Farm	$486	$82
Nationwide	$780	$130
Allstate	$811	$137
Farmers	$1329	$221

Cheapest Full Coverage Car Insurance in Woodson Terrace

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 Woodson Terrace is American Family at $111 per month and $649 for six months.

Cheapest Full Coverage Car Insurance Quotes in Woodson Terrace, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$649	$111
USAA	$872	$147
Travelers	$896	$151
Encompass	$1221	$203
Shelter	$1258	$212
State Farm	$1374	$231
Electric	$1421	$242
Farm Bureau	$1460	$243
Missouri Farm Bureau	$1552	$264
Progressive	$1607	$270
Allstate	$1723	$290
Nationwide	$1946	$324
Farmers	$3699	$629

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Average Car Insurance in Woodson Terrace 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 Woodson Terrace, MO increasing?

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

Car Insurance Premiums by Age in Woodson Terrace

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 Woodson Terrace,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 Woodson Terrace at $55 per month. At $12116 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	$324	$55
American Family	$371	$62
Travelers	$1405	$237
USAA	$1421	$239
Progressive	$2711	$456
State Farm	$2795	$471
Shelter	$3120	$525
Farm Bureau	$3792	$645
Allstate	$4927	$829
Nationwide	$5938	$1010
Farmers	$12116	$2019

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 Woodson Terrace, Kemper is the cheapest car insurance provider. At $594 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 Woodson Terrace is Farmers, offering rates of around $7522 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$594	$101
American Family	$633	$105
Nationwide	$733	$125
Travelers	$1182	$199
USAA	$1366	$233
Progressive	$1723	$290
Shelter	$1977	$333
Farm Bureau	$2456	$410
Allstate	$2881	$485
State Farm	$5213	$868
Farmers	$7522	$1279

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Save up to $971/yr on car insurance rates in Woodson Terrace.

Car Insurance Rates with An Accident in Woodson Terrace

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

Cheapest Car Insurance Companies after an At-Fault Accident in Woodson Terrace

The cheapest car insurance companies after an at-fault accident in Woodson Terrace include Missouri Farm Bureau and Electric, offering $270 and $386, respectively. Farmers is an expensive provider with an average six-month premium of $5274.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$270	$46
Electric	$386	$66
American Family	$425	$70
Encompass	$494	$85
USAA	$703	$118
Travelers	$796	$134
Progressive	$1166	$196
State Farm	$1213	$204
Shelter	$1359	$229
Farm Bureau	$1884	$320
Nationwide	$2881	$480
Allstate	$3498	$589
Farmers	$5274	$879

Woodson Terrace Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Woodson Terrace MO. For example, the car insurance in Woodson Terrace after a DUI increases to $1051 for a six month policy. While the rate increases by $363 for a six-month policy in the case of a speeding ticket.

Woodson Terrace auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2077	$346
One Med/PIP claim	$2077	$354
Not-at-fault accident	$2139	$356
One comp claim	$2154	$367
Two Med/PIP claims	$2154	$359
Two comp claims	$2293	$390
Failure to wear a seat belt	$2356	$393
Failure to show documents	$2363	$402
Child safety restraint	$2401	$400
Driving without lights	$2401	$408
Driving with expired registration	$2417	$403
Cell phone violation	$2432	$413
Driving too slowly	$2432	$406
Following too closely	$2432	$413
Speeding in school zone	$2432	$406
Failure to yield	$2440	$415
Speeding 11 - 15 MPH over limit	$2440	$407
Speeding 16 - 20 MPH over limit	$2440	$415
Speeding 6 - 10 MPH over limit	$2440	$407
Texting while driving	$2440	$415
Illegal turn	$2448	$408
Wrong way/wrong lane	$2448	$416
Failure to stop at a red light	$2456	$410
Improper passing	$2456	$417
Speeding 21 - 25 MPH over limit	$2456	$410
In 65 MPH zone	$2471	$420
Passing school bus	$2517	$420
Open container	$2595	$441
Operating a vehicle without permission	$2656	$443
At-fault accident - less than $1000	$2873	$489
At-fault accident - $1000-$2000	$3034	$506
At-fault accident - greater than $2000	$3034	$516
Refusal to submit to a chemical test	$3073	$512
DUI	$3128	$532
Driving with a suspended license	$3197	$533
Racing	$3275	$556
Leaving scene of an accident/hit and run	$3320	$554
Reckless driving	$3359	$571

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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 Woodson Terrace 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 Woodson Terrace.

The cheapest car insurance premiums in Woodson Terrace are offered by Missouri Farm Bureau at $324 for a six-month policy. However, it can be as expensive as $6764 with companies like Farmers.

Woodson Terrace car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$324	$55
American Family	$417	$69
Kemper	$517	$88
Travelers	$835	$140
USAA	$1066	$179
Progressive	$1119	$189
Shelter	$1513	$255
State Farm	$1645	$277
Farm Bureau	$1776	$302
Allstate	$2865	$482
Nationwide	$3591	$611
Farmers	$6764	$1127

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 Woodson Terrace are offered by American Family at $417. However, it can be as expensive as $4696 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Woodson Terrace after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$417	$72
Travelers	$865	$146
USAA	$896	$152
Shelter	$996	$168
State Farm	$1066	$179
Progressive	$1297	$218
Farm Bureau	$1505	$256
Allstate	$2603	$434
Farmers	$4696	$798

Car Insurance Price Trends in Woodson Terrace, Missouri

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

The average cost of full coverage in the Woodson Terrace rose by $290 in January compared to $169 of December. In other words, there has been an increase by $121 when you compare January and December.

The average cost of liability insurance in the Woodson Terrace rose to $73 in January, compared to $62 in December. This represents an increase of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Woodson Terrace?

The car insurance in Woodson Terrace is $38 per month, which is lower than the national average.

What is the cheapest car insurance in Woodson Terrace?

The cheapest car insurance in Woodson Terrace is $111 per month for full coverage.

How much is car insurance in Woodson Terrace for teenagers?

Car insurance for teenagers costs $324 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 Woodson Terrace?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $255 per month to insure your car in Woodson Terrace.

Is car insurance expensive in Woodson Terrace?

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

Cheapest Car Insurance Quotes in Woodson Terrace

Why you can trust Way?

How Much Is Car Insurance in Woodson Terrace

Avg. Car Insurance in Woodson Terrace

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Woodson Terrace

1st place: American Family

2nd place: USAA

3rd place: Travelers

Woodson Terrace Car Insurance Rates by Company

Cheap Car Insurance Companies in Woodson Terrace, MO

Way's key takeaways about car insurance in Woodson Terrace

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Woodson Terrace

Cheapest Liability Coverage in Woodson Terrace, MO

Cheapest Full Coverage Car Insurance in Woodson Terrace

Cheapest Full Coverage Car Insurance Quotes in Woodson Terrace, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Woodson Terrace by Rating Factor

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

Car Insurance Premiums by Age in Woodson Terrace

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Woodson Terrace,MO

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

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 Woodson Terrace

Cheapest Car Insurance Companies after an At-Fault Accident in Woodson Terrace

Woodson Terrace Car Insurance Rates by Violation

Woodson Terrace auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Woodson Terrace after a DUI

Woodson Terrace car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Woodson Terrace after Speeding ticket

Car Insurance Price Trends in Woodson Terrace, Missouri

Average Car Insurance Cost in Woodson Terrace by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Woodson Terrace, MO

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

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