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Get Cheap Car Insurance in Murphy, MO
We monitor insurance prices, helping the average driver in Murphy save up to 28.5% on car insurance.
The Cheapest Minimum Coverage in Murphy
The chart below shows the cheapest car insurance company in Murphy 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.
| Murphy Insurer | Monthly Cost |
|---|---|
| State Farm | $72 |
| Travelers | $72 |
| Safeco Insurance | $73 |
| Clearcover | $79 |
Savings for Every Kind of Murphy Driver
Based on our extensive insurance data, we know the average Murphy 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 $511 per year by choosing the right vehicle insurance company. Some Murphy residents are paying out over $1,894 extra every year for auto insurance in Murphy. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Murphy, MO Savings / Yr. |
|---|---|
$511 |
|
$713 |
|
$652 |
|
$730 |
|
$1,540 |
|
$398 |
|
$610 |
Murphy Car Insurance vs. Missouri
People living in Murphy pay an average of 5.18% more than the typical driver in the state. The average driver in Murphy can expect to pay about $1,166 per year, or $1,894 for full coverage.
Based on our analysis, Clearcover will be the cheapest provider in Murphy for most people.
Car Insurance Prices by Murphy Neighborhood
Insurance Prices
Where is insurance cheapest within Murphy?
The map shows insurance prices in and around Murphy, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $119 per year within the city boundaries, with insurance premiums ranging from a high of $1,960 to a low of $1,841. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the North parts of Murphy.Pick the Best Car Insurance Company for You in Murphy
The best car insurance provider for most drivers in Murphy
For drivers with clean driving records and no major strikes, Clearcover is the best option, with annual savings of $511 over the average Murphy car insurance company.
The best car insurance provider for Murphy 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 $713 over the competition.
The best car insurance company for Murphy drivers with speeding tickets
>Clearcover gave the average person with a speeding ticket the most savings, averaging $652 better than other car insurance companies.
The best auto insurance for Murphy drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $730 less each year.
The least expensive car insurance company for new and young drivers in Murphy
In Murphy, Travelers costs young drivers $1,540 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Murphy
State Farm gave the largest car insurance discounts to married couples, averaging $398 saved each year compared to an average Murphy couple's premiums.
The cheapest car insurance in Murphy for drivers with bad credit
The best Murphy car insurance company for customer service
Recent price drops
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The cheapest large national provider in Murphy
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Murphy 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 Murphy, 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 Murphy
What Influences the Cost of Car Insurance in Murphy?
On average, car insurance in Murphy 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 Murphy is 32 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 Murphy are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D+ according to CrimeGrade.org.
- Murphy 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 Murphy is $97 per month for minimum coverage and $158 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
- Fenton: Insurance costs 0.63% less
- High Ridge: Insurance costs 1.64% less
- Parkdale: Insurance costs 2.80% less
- Valley Park: Insurance costs 1.58% less
- Times Beach: Insurance costs 4.96% less
- Twin Oaks: Insurance costs 1.74% less
- Sunset Hills: Insurance costs 1.69% less
- Byrnes Mill: Insurance costs 2.43% less
- Manchester: Insurance costs 0.26% more
- House Springs: Insurance costs 1.85% less
Cities with Similar Populations
- Fairfield: Insurance costs 6.81% less
- Wellston: Insurance costs 39.12% less
- Wellsville: Insurance costs 8.08% more
- Gering: Insurance costs 24.23% less
- Geismar: Insurance costs 67.48% more
- Fruitland: Insurance costs 43.03% less
- Franklin: Insurance costs 27.72% less
- Farr West: Insurance costs 26.24% less
- Farmville: Insurance costs 32.52% less
- Farmingdale: Insurance costs 8.39% less