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Get Cheap Car Insurance in Excelsior Springs, MO
We monitor insurance prices, helping the average driver in Excelsior Springs save up to 28.5% on car insurance.
The Cheapest Minimum Coverage in Excelsior Springs
The chart below shows the cheapest car insurance company in Excelsior Springs for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Travelers, Safeco Insurance, and Clearcover.
| Excelsior Springs Insurer | Monthly Cost |
|---|---|
| State Farm | $68 |
| Travelers | $68 |
| Safeco Insurance | $69 |
| Clearcover | $74 |
Savings for Every Kind of Excelsior Springs Driver
Based on our extensive insurance data, we know the average Excelsior Springs driver will save about 27% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $482 per year by choosing the right vehicle insurance company. Some Excelsior Springs residents are paying out over $1,785 extra every year for auto insurance in Excelsior Springs. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Excelsior Springs, MO Savings / Yr. |
|---|---|
$482 |
|
$672 |
|
$614 |
|
$688 |
|
$1,451 |
|
$375 |
|
$575 |
Excelsior Springs Car Insurance vs. Missouri
People living in Excelsior Springs pay an average of 0.91% less than the typical driver in the state. The average driver in Excelsior Springs can expect to pay about $1,099 per year, or $1,785 for full coverage.
Based on our analysis, Clearcover will be the cheapest provider in Excelsior Springs for most people.
Car Insurance Prices by Excelsior Springs Neighborhood
Insurance Prices
Where is insurance cheapest within Excelsior Springs?
The map shows insurance prices in and around Excelsior Springs, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $116 per year within the city boundaries, with insurance premiums ranging from a high of $1,853 to a low of $1,737. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the West parts of Excelsior Springs.Pick the Best Car Insurance Company for You in Excelsior Springs
The best car insurance provider for most drivers in Excelsior Springs
For drivers with clean driving records and no major strikes, Clearcover is the best option, with annual savings of $482 over the average Excelsior Springs car insurance company.
The best car insurance provider for Excelsior Springs drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $672 over the competition.
The best car insurance company for Excelsior Springs drivers with speeding tickets
>Clearcover gave the average person with a speeding ticket the most savings, averaging $614 better than other car insurance companies.
The best auto insurance for Excelsior Springs drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $688 less each year.
The least expensive car insurance company for new and young drivers in Excelsior Springs
In Excelsior Springs, Travelers costs young drivers $1,451 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Excelsior Springs
State Farm gave the largest car insurance discounts to married couples, averaging $375 saved each year compared to an average Excelsior Springs couple's premiums.
The cheapest car insurance in Excelsior Springs for drivers with bad credit
The best Excelsior Springs car insurance company for customer service
Nationwide was the best company for customer service in Excelsior Springs according to the NAIC.
Recent price drops
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The cheapest large national provider in Excelsior Springs
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Excelsior Springs driver can expect to pay about $114 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Excelsior Springs, USAA has the best prices for drivers with speeding tickets, drivers with bad credit, drivers with a DUI conviction, married couples, good drivers, drivers with accidents, and young drivers.Auto Insurance Prices in and Around Excelsior Springs
What Influences the Cost of Car Insurance in Excelsior Springs?
On average, car insurance in Excelsior Springs is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Excelsior Springs is 31 minutes, which is about the national average for a driver in the state.
- Missouri state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Excelsior Springs are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Excelsior Springs is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Excelsior Springs is $92 per month for minimum coverage and $149 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Crystal Lakes: Insurance costs 0.17% less
- Prathersville: Insurance costs 2.41% less
- Excelsior Estates: Insurance costs 0.67% more
- Wood Heights: Insurance costs 0.28% less
- Vibbard: Insurance costs 1.68% more
- Mosby: Insurance costs 2.18% less
- Kearney: Insurance costs the same
- Elkhorn: Insurance costs 0.78% less
- Missouri City: Insurance costs 1.51% less
- Lawson: Insurance costs 0.06% less
Cities with Similar Populations
- Sumner: Insurance costs 15.91% less
- Crestwood: Insurance costs 6.27% more
- Cromwell: Insurance costs 10.87% more
- Croton On Hudson: Insurance costs 47.56% more
- Cutlerville: Insurance costs 62.13% more
- Dallas: Insurance costs 24.20% less
- Damascus: Insurance costs 6.50% more
- Damascus: Insurance costs 8.68% less
- Danville: Insurance costs 33.50% less
- Decatur: Insurance costs 7.06% less