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Get Cheap Car Insurance in Marys Home, MO

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

 

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The Cheapest Minimum Coverage in Marys Home

The chart below shows the cheapest car insurance company in Marys Home 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.

 
Marys Home Insurer Monthly Cost
State Farm $71
Travelers $71
Safeco Insurance $72
Clearcover $78

Savings for Every Kind of Marys Home Driver

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

Based on our extensive insurance data, we know the average Marys Home 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 $506 per year by choosing the right vehicle insurance company. Some Marys Home residents are paying out over $1,875 extra every year for auto insurance in Marys Home. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Marys Home, MO Savings / Yr.
Drivers with good records
$506
Drivers with accidents
$706
Drivers with speeding tickets
$645
Drivers with a DUI conviction
$723
Young drivers
$1,524
Married drivers
$394
Drivers with bad credit
$604

Marys Home Car Insurance vs. Missouri

People living in Marys Home pay an average of 4.11% more than the typical driver in the state. The average driver in Marys Home can expect to pay about $1,155 per year, or $1,875 for full coverage.

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

Car Insurance Prices by Marys Home Neighborhood

Marys Home, MO map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Marys Home?

The map shows insurance prices in and around Marys Home, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $107 per year within the city boundaries, with insurance premiums ranging from a high of $1,877 to a low of $1,770. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the East parts of Marys Home.

Pick the Best Car Insurance Company for You in Marys Home

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 Marys Home insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Marys Home

For drivers with clean driving records and no major strikes, Clearcover is the best option, with annual savings of $506 over the average Marys Home car insurance company.

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We use the average good driver, paying $114 per month, as our baseline for pricing in Marys Home. 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 Marys Home drivers with accidents on their records

In Marys Home getting into an accident will raise premiums an average 32% for a yearly cost of $2,765. That's $890 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 $706 over the competition.

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The best car insurance company for Marys Home drivers with speeding tickets

>Clearcover gave the average person with a speeding ticket the most savings, averaging $645 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Marys Home, tickets raise premiums on new quotes about $749. If you have a speeding ticket, we recommend State Farm, Travelers, and Clearcover for savings that beat the average insurance cost of $2,624 per year.

The best auto insurance for Marys Home drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,766 per year in auto insurance premiums, which was $891 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 $723 less each year.

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The least expensive car insurance company for new and young drivers in Marys Home

In Marys Home, Travelers costs young drivers $1,524 less each year versus the average auto insurance bill.

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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 Marys Home. With an average cost of $5,500 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 Marys Home

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $219. State Farm, Progressive, and American Family Insurance provided the largest discounts to couples living in Marys Home.

State Farm gave the largest car insurance discounts to married couples, averaging $394 saved each year compared to an average Marys Home couple's premiums.

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The cheapest car insurance in Marys Home for drivers with bad credit

People with poor credit saved an average of $604 with Travelers.

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Many people are surprised that their poor credit score can cost them an average of $1,225 every year. Premiums for people with poor credit were about $3,100 in Marys Home. 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 Marys Home car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Marys Home, 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 Marys Home.

Nationwide was the best company for customer service in Marys Home according to the NAIC.

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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 Marys Home, which was better than other insurers.

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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 Marys Home. 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 Marys Home

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 3.3% of Marys Home 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 Marys Home driver can expect to pay about $114 per month.

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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 Marys Home, 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.
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Auto Insurance Prices in and Around Marys Home

What Influences the Cost of Car Insurance in Marys Home?

On average, car insurance in Marys Home is more expensive than the rest of the state. These high 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 Marys Home is 35 minutes, which is a little more than 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 Marys Home are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • Marys Home 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 Marys Home is $96 per month for minimum coverage and $156 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 Marys Home driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Marys Home 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.