Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Lake Ozark, MO

We monitor insurance prices, helping the average driver in Lake Ozark save up to 28.5% on car insurance.

 

Start Saving

;

The Cheapest Minimum Coverage in Lake Ozark

The chart below shows the cheapest car insurance company in Lake Ozark 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.

 
Lake Ozark Insurer Monthly Cost
State Farm $67
Travelers $67
Safeco Insurance $68
Clearcover $73

Savings for Every Kind of Lake Ozark Driver

The table shows how much the average auto insurance customer in Lake Ozark might save by following our recommendations.

Based on our extensive insurance data, we know the average Lake Ozark 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 $477 per year by choosing the right vehicle insurance company. Some Lake Ozark residents are paying out over $1,768 extra every year for auto insurance in Lake Ozark. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Lake Ozark, MO Savings / Yr.
Drivers with good records
$477
Drivers with accidents
$666
Drivers with speeding tickets
$609
Drivers with a DUI conviction
$681
Young drivers
$1,437
Married drivers
$371
Drivers with bad credit
$569

Lake Ozark Car Insurance vs. Missouri

People living in Lake Ozark pay an average of 1.82% less than the typical driver in the state. The average driver in Lake Ozark can expect to pay about $1,089 per year, or $1,768 for full coverage.

Based on our analysis, Clearcover will be the cheapest provider in Lake Ozark for most people.

Car Insurance Prices by Lake Ozark Neighborhood

Lake Ozark, MO map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Lake Ozark?

The map shows insurance prices in and around Lake Ozark, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $83 per year within the city boundaries, with insurance premiums ranging from a high of $1,786 to a low of $1,703. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the South parts of Lake Ozark.

Pick the Best Car Insurance Company for You in Lake Ozark

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Lake Ozark insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Lake Ozark

For drivers with clean driving records and no major strikes, Clearcover is the best option, with annual savings of $477 over the average Lake Ozark car insurance company.

Visit Site

We use the average good driver, paying $108 per month, as our baseline for pricing in Lake Ozark. Travelers, Clearcover, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Lake Ozark drivers with accidents on their records

In Lake Ozark getting into an accident will raise premiums an average 32% for a yearly cost of $2,608. That's $839 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Clearcover, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $666 over the competition.

Visit Site

The best car insurance company for Lake Ozark drivers with speeding tickets

>Clearcover gave the average person with a speeding ticket the most savings, averaging $609 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Lake Ozark, tickets raise premiums on new quotes about $706. If you have a speeding ticket, we recommend State Farm, Travelers, and Clearcover for savings that beat the average insurance cost of $2,474 per year.

The best auto insurance for Lake Ozark drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,609 per year in auto insurance premiums, which was $840 more than a driver with no major issues. State Farm, Clearcover, and Gainsco penalized their customers the least for a DUI.

Getting a quote from Clearcover may cost the average person with a DUI about $681 less each year.

Visit Site

The least expensive car insurance company for new and young drivers in Lake Ozark

In Lake Ozark, Travelers costs young drivers $1,437 less each year versus the average auto insurance bill.

Visit Site

Teen drivers account for more than their share of accidents, and thus end up paying about 66% more for insurance than more mature drivers in Lake Ozark. With an average cost of $5,187 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Allstate, and Travelers try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Lake Ozark

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $206. State Farm, Progressive, and American Family Insurance provided the largest discounts to couples living in Lake Ozark.

State Farm gave the largest car insurance discounts to married couples, averaging $371 saved each year compared to an average Lake Ozark couple's premiums.

Visit Site

The cheapest car insurance in Lake Ozark for drivers with bad credit

People with poor credit saved an average of $569 with Travelers.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,156 every year. Premiums for people with poor credit were about $2,924 in Lake Ozark. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Nationwide, and Travelers.

The best Lake Ozark car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Lake Ozark, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Lake Ozark.

Nationwide was the best company for customer service in Lake Ozark according to the NAIC.

Visit Site

Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Lake Ozark, which was better than other insurers.

Visit Site

During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Lake Ozark. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Lake Ozark

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 26% of Lake Ozark residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Lake Ozark driver can expect to pay about $114 per month.

Visit Site

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 Lake Ozark, 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.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Lake Ozark

What Influences the Cost of Car Insurance in Lake Ozark?

On average, car insurance in Lake Ozark 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 Lake Ozark 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 Lake Ozark are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
  • Lake Ozark is one of the least populated areas 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 Lake Ozark is $91 per month for minimum coverage and $147 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

Cities with Similar Populations

* Who is the average Lake Ozark driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Lake Ozark with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.