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Cheapest car insurance in Raytown, Missouri (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Raytown, Missouri.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations

How to find the cheapest car insurance in Raytown

Car insurance in Raytown costs about $89 per month for minimum liability coverage, and about $150 per month for full coverage insurance. Raytown drivers pay 18% less the
Missouri
average.  
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$117
Marc, 22
Zip: 64138
Dodge Avenger SE
• State Minimum Liability
Safeco
$187
Dean, 24
Zip: 64133
Toyota Tacoma Access Cab
• 50,000/100,000 Liability
• Comp / Collision
Gainsco
$147
Edward, 30
Zip: 64133
Dodge Durango Crew
• State Minimum Liability
Bristol West
$184
Allen, 34
Zip: 64133
Hyundai Sonata Hybrid
• State Minimum Liability
Dairyland
$141
Georgia, 36
Zip: 64133
Chevrolet Equinox LT
• State Minimum Liability
coverageLast Updated May 25, 2024

Best Car Insurance Companies in Raytown

There’s not one best car insurance company that offers the lowest rates to all drivers. Your individual car insurance quotes are based on your unique profile, which contains things like where you live, your age, your driving history, and in states like Missouri, even your credit score.
To make matters more complicated, each insurer has a different way of weighing the factors that go into that quote, so you could pay very different rates depending on which company you choose. 
That’s why it’s so important to
compare car insurance quotes
before you make a decision.
To make it easier to compare the cheapest car insurance companies, Jerry conducted the largest insurance carrier survey in the US, and the results might surprise you. 
For instance, even though State Farm holds the largest market share in the state of Missouri, our customers only rated it 3.3/5 for policy cost satisfaction. 
Our survey shows that the following insurers are rated highest for cost satisfaction in Missouri:
  • Gainsco 
  • Nationwide
  • ROOT
  • State Auto
  • The General
The table below shows how drivers in Raytown rate different companies on a scale of 0 to 5.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.1
3.9
3.4
4.1
Geico
3.8
3.6
3.7
4.2
Liberty Mutual
3.8
2.5
N/A
3
USAA
3.7
3.8
N/A
4.4
State Farm
3
2.8
N/A
3.6
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Raytown

To get the very cheapest insurance in Raytown, you’d need to buy insurance that meets Missouri’s minimum liability insurance requirement. 
But minimum liability can leave you financially responsible for thousands of dollars in medical bills and repair costs after an accident, and it won’t cover damage to your own car at all. We recommend upgrading your coverage limits to better protect yourself.

Cheap minimum liability insurance quotes in Raytown

To drive legally in Raytown, you’ll need insurance that meets the minimum coverage limits for bodily injury liability and property damage liability in Missouri. 
Here are some examples of Raytown car owners that Jerry recently assisted with obtaining minimum liability coverage.
card cover
Marc (22 years old)
coverageCoverage
State Minimum
locationRaytown, MO
(Zip Code: 64138)
$117
per month
card cover
Gainsco
Edward (30 years old)
coverageCoverage
State Minimum
locationRaytown, MO
(Zip Code: 64133)
carDodge Durango Crew
$147
per month
card cover
Clearcover
Benjamin (50 years old)
coverageCoverage
State Minimum
locationRaytown, MO
(Zip Code: 64133)
$139
per month
card cover
Allen (34 years old)
coverageCoverage
State Minimum
locationRaytown, MO
(Zip Code: 64133)
$184
per month

Do you need more than minimum coverage in Raytown?

Generally speaking—yes. If you can afford it, you will be better served by a policy that includes higher coverage limits. 
Put simply, once your insurance limits have been exhausted, your provider won’t offer additional assistance for accident-related expenses. This means that you may be responsible for covering any remaining costs out-of-pocket.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car. 

Cheap full coverage car insurance quotes in Raytown

To protect yourself from expenses related to vehicle repairs or replacements, a
full coverage car insurance policy
is highly recommended.
Full coverage policies generally include
comprehensive
and
collision coverage
, in addition to meeting your state's minimum insurance requirements. 
  • Comprehensive coverage addresses costs associated with non-collision incidents such as theft or vandalism
  • Collision coverage takes care of repairs to your vehicle following an accident
Given the additional protection they provide, full coverage policies are typically required by lenders on financed or leased vehicles. While a full-coverage premium may entail higher upfront costs, the added peace of mind may justify the additional expense. 
Discover how Jerry's agents have helped customers find the most budget-friendly full coverage policies:
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$120
Sean, 27
Zip: 64133
KIA Optima LX
• 100,000/300,000 Liability
• Comp / Collision
Nationwide
$157
Jean, 41
Zip: 64138
Ford Expedition XLT
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$191
Nathaniel, 31
Zip: 64138
Volkswagen Golf S
• State Minimum Liability
• Comp / Collision
Allstate
$225
Gene, 26
Zip: 64138
Chevrolet Malibu LT
coverageLast Updated May 22, 2024
Because your rates can vary so much between providers, the best way to find the cheapest rates for the car insurance you need is to compare car insurance rates online.
Jerry,
a licensed broker
, has a free app that helps you compare car insurance quotes with ease—and our team of 100+ licensed insurance agents will make sure you get the best service when you need it.
Lower my car insurance too!

Average cost of car insurance in Raytown

Jerry's experience with Missouri policyholders shows that drivers in the Show-Me State pay more for car insurance coverage than the national average. 
Specifically, the estimated cost of full coverage insurance in Missouri is around $150 per month, or $1,800 per year. Minimum liability insurance, on the other hand, costs approximately $89 per month, or $1,068 per year.
Insurance averages may be useful in helping you predict your own insurance costs—but keep in mind that exactly what you pay for coverage will come down to personal factors, such as your demographics, discount eligibility, location, and more.

Car insurance quotes in Raytown by rating factors 

Your car insurance premium is determined based on various rating factors. These factors are rooted in risk-related characteristics that include:
  • Your driving record/ claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean driving record.
  • Your demographics: Factors such as age, gender, and marital status can influence the cost of your insurance.
  • Your location: St. Louis drivers and other city dwellers often encounter higher premiums, due to increased crime rates and higher population density in cities.
  • Your mileage: Higher annual mileage can result in elevated insurance costs.
  • The make/ model of your car: Luxury, sport, and high-performance vehicles typically come with higher rates for collision and comprehensive coverage, as replacement parts are often more expensive to procure.

How do different factors impact your car insurance costs in Raytown?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Missouri currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Raytown:

Cheap car insurance quotes in Raytown after driving violations

As one of the primary rating factors impacting your car insurance costs, your
Missouri driving record
holds significant weight. Insurance companies deem individuals with a history of violations as higher-risk policyholders, leading to potential increases in insurance costs.
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license
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Cheapest car insurance in Raytown after an at-fault accident

Similar to your driving record, your accident history also holds a significant influence over your car insurance rates. 
Insurance companies will take into account your history of at-fault accidents to assess the level of risk you pose. Recent at-fault accidents could result in considerable increases in insurance rates.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$117
Susan, 22
Zip: 64138
Dodge Avenger SE
• State Minimum Liability
Not At Fault
Allstate
$225
Cole, 26
Zip: 64138
Chevrolet Malibu LT
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Travelers
$191
Troy, 31
Zip: 64138
Volkswagen Golf S
• 50,000/100,000 Liability
• Comp / Collision
coverageLast Updated May 26, 2024

Cheapest car insurance in Raytown after other driving violations

In addition to speeding tickets and DUIs, other violations such as
reckless driving
and driving on a suspended license can also cause your car insurance costs to increase in Raytown.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance. 
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Yield
Progressive
$149
Lillian, 33
Zip: 64133
Hyundai Elantra SE
• 50,000/100,000 Liability
• Comp / Collision
Driving on Sus. License
Progressive
$86
Claudia, 36
Zip: 64138
BMW X5 xDrive30i
• State Minimum Liability
Failure to Yield
Progressive
$149
Edwin, 33
Zip: 64133
Hyundai Elantra SE
• 50,000/100,000 Liability
• Comp / Collision
Improper Passing
Progressive
$120
Jeffery, 27
Zip: 64133
KIA Optima LX
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 25, 2024

Cheap car insurance quotes in Raytown by age

In Missouri, teenage drivers face higher car insurance costs compared to any other age group in the state. Seniors over the age of 60 may also notice higher rates.

Cheapest car insurance in Raytown for young drivers

Elevated
insurance rates for new drivers
are partly due to teen drivers’ limited driving history, along with increased risks of accidents. As teenage drivers mature into young adults, however, their rates gradually start to decline.
When it comes to novice drivers hitting the road, a full coverage policy can provide the best protection. Jerry specializes in assisting teen drivers locate the most affordable options for full-coverage policies.
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Lester (22 years old)
coverageCoverage
State Minimum
locationRaytown, MO
(Zip Code: 64138)
$117
per month
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Dean (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationRaytown, MO
(Zip Code: 64133)
$187
per month
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Alberta (21 years old)
coverageCoverage
State Minimum
locationRaytown, MO
(Zip Code: 64133)
$166
per month
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Cheap car insurance quotes in Raytown based on insurance history

Your insurance history, like your driving record, is a significant rating factor in the eyes of insurance companies. Specifically, insurers will look at how long you have been insured and whether you’ve experienced any
lapses in coverage
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Lura (22 years old)
Currently Insured
coverageCoverage
State Minimum
locationRaytown, MO
(Zip Code: 64138)
$117
per month
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Bradley (31 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationRaytown, MO
(Zip Code: 64138)
carVolkswagen Golf S
$191
per month
card cover
Lura (33 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationRaytown, MO
(Zip Code: 64138)
$191
per month
card cover
Helen (26 years old)
Not Currently Insured
coverageCoverage
State Minimum
locationRaytown, MO
(Zip Code: 64138)
$225
per month
card cover
Gainsco
Matilda (30 years old)
Currently Insured
coverageCoverage
State Minimum
locationRaytown, MO
(Zip Code: 64133)
carDodge Durango Crew
$147
per month

Cheap car insurance quotes in Raytown for drivers with poor credit

In Missouri, your credit score can mean the difference between higher or lower insurance costs. 
While having bad credit doesn't necessarily imply being a bad driver, it can still lead to higher insurance rates. That’s because insurance providers have noticed a connection between lower credit scores and a higher likelihood of filing claims. 
Consequently, having a lower credit score can result in increased annual premiums. Based on our data, drivers with poor credit scores (below 550) typically face car insurance rates that are roughly 20% higher compared to those with credit scores above 750.
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
> 750
Progressive
$154
Leonard, 50
Zip: 64133
Honda Civic LX
• State Minimum Liability
660 - 750
Bristol West
$255
Erik, 22
Zip: 64138
Dodge Avenger SE
• State Minimum Liability
660 - 750
Progressive
$117
Bobby, 22
Zip: 64138
Dodge Avenger SE
• State Minimum Liability
550 - 659
Gainsco
$147
Johnny, 30
Zip: 64133
Dodge Durango Crew
• State Minimum Liability
< 550
The General
$226
Mable, 48
Zip: 64133
Ford Focus SE
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 25, 2024

How to lower car insurance costs in Raytown

1. Shop around and compare quotes

Every insurance company follows its own formula for setting premiums—and those formulas change constantly! To make sure you’re always paying the best rates for the car insurance coverage you need, experts recommend comparing quotes from at least three insurance companies. You should also shop for new rates every six months.
Sound like a lot of trouble? Luckily, Jerry makes it easy! In just 45 seconds, our app will deliver the most competitive quotes taken from our network of over 55 of the nation’s top insurance providers. Best of all? It’s free!

 2. Hunt for car insurance discounts

Insurance companies all offer a
variety of discounts
, but they don’t all offer the same ones. Here are some of the most common:
  • Good driver discounts. Insurers love to reward safe drivers, so you may notice a big drop in your premium if you avoid an accident for 3–5 years.
  • Telematics discounts. Telematics programs use an app or device to track your driving. Some insurers will give you a discount just for signing up, but most save the biggest discount for people who drive well during the test period.
  • Good student discounts. Full-time students in either high school or college with a B average or better may be able to get a discount on their car insurance.

3. Increase your deductible for comprehensive and collision coverage

If you have comprehensive and collision coverage on your policy, you can lower your monthly premium by raising your deductible. Just make sure to choose a deductible you can reasonably expect to pay if there’s an accident.

FAQ

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. AAA, Nationwide, and Liberty Mutual receive good ratings from Raytown drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
People living in Raytown pay on average $89 per month – or $1,068 per year – on state-minimum liability coverage. Full coverage in Raytown costs on average $150 per month or $1,800 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
Based on thousands of Raytown drivers Jerry has worked with, car insurance in Raytown costs an average of $89 per month for state-minimum coverage and $150 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
Missouri’s minimum car insurance requirements
include $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $10,000 in property damage liability coverage per accident. This amount of coverage is more simply expressed as 25/50/10.
Additionally, drivers must also carry at least $25,000 per person and $50,000 per accident in
Missouri uninsured motorist bodily injury coverage (UMBI)

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

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R.E. Fulton
badge icon
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.