Cheapest car insurance companies in Blue Springs
Nationwide and Travelers have the cheapest car insurance premiums for Blue Springs drivers in 2023, based on a data study by Insurance.com.
Nationwide offers the cheapest car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. for Blue Springs drivers at an annual rate of $1,312 a year, on average.
When it comes to car insurance costs in Blue Springs, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy.
| Companies | Average annual rates |
|---|---|
| USAA | $1,102 |
| Nationwide | $1,312 |
| Travelers | $1,511 |
| Missouri Farm Bureau Grp | $1,651 |
| Progressive | $1,722 |
| State Farm | $1,913 |
| Shelter Insurance | $1,920 |
| Auto Club Enterprises (AAA) | $2,494 |
| Allstate | $2,769 |
| Geico | $3,055 |
Cheapest car insurance cost in Blue Springs by Age Group
In Blue Springs, USAA is the cheapest car insurance company for teenagers, offering full coverage policies at $3,093 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.
USAA provides the cheapest car insurance coverage for young drivers in Blue Springs, with an annual premium of $1,646 on average.
Drivers in Blue Springs stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. USAA has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,115 a year.
USAA is the cheapest option for senior drivers in Blue Springs, with an average premium of $1,095 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| USAA | $3,093 | $1,646 | $1,115 | $1,095 |
| Missouri Farm Bureau Grp | $4,072 | $2,774 | $1,648 | $1,542 |
| Shelter Insurance | $4,492 | $3,068 | $1,990 | $1,777 |
| Travelers | $4,533 | $2,288 | $1,534 | $1,493 |
| Nationwide | $4,693 | $2,281 | $1,303 | $1,220 |
| State Farm | $5,364 | $3,124 | $1,919 | $1,823 |
| Allstate | $7,753 | $4,009 | $2,828 | $2,653 |
| Progressive | $7,780 | $2,882 | $1,744 | $1,701 |
| Geico | $7,882 | $3,859 | $2,968 | $2,910 |
| Auto Club Enterprises (AAA) | $10,259 | $4,910 | $2,506 | $2,398 |
Cheapest car insurance companies in Blue Springs by driver profile
When determining car insurance rates in Blue Springs, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
Finding the cheapest car insurance in Blue Springs requires comparing quotes from multiple companies. This way, you can get the best coverage for your budget. Don't settle for the first offer; explore options for the most affordable fit.
Below are some of the cheapest car insurance companies in Blue Springs by driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: USAA
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Nationwide is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Blue Springs drivers is $1,505.
Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Blue Springs.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,505 |
| USAA | $1,568 |
| Travelers | $2,302 |
| State Farm | $2,428 |
| Progressive | $2,600 |
| Allstate | $2,889 |
| Geico | $3,044 |
Cheapest for drivers with a speeding ticket: USAA
USAA has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Blue Springs. Its full coverage car insurance policy costs an average of $1,018 per year for drivers aged 30.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average annual premium |
|---|---|
| USAA | $1,018 |
| State Farm | $1,418 |
| Nationwide | $1,590 |
| Travelers | $1,811 |
| Allstate | $1,916 |
| Progressive | $2,044 |
| Geico | $2,453 |
Cheapest auto insurance after an at-fault accident: USAA
USAA is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Blue Springs is $1,250. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| USAA | $1,250 |
| State Farm | $1,518 |
| Nationwide | $1,831 |
| Travelers | $1,844 |
| Allstate | $2,321 |
| Progressive | $2,734 |
| Geico | $4,497 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest option for Blue Springs drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,418, on average.
A DUI conviction typically leads to a rise in your auto insurance costs. But if you shop around and compare quotes from various insurers, you can find a good deal on your insurance premiums.
| Company | Average annual rates |
|---|---|
| State Farm | $1,418 |
| USAA | $1,530 |
| Progressive | $2,147 |
| Travelers | $2,221 |
| Allstate | $2,497 |
| Nationwide | $2,559 |
| Geico | $4,417 |
Average car insurance cost in Blue Springs
In Blue Springs, the average annual cost for full coverage car insurance is around $1,945, which breaks down to approximately $162 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Blue Springs is about $567.
Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,945 | $567 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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