Services
Insurance
Loans
Repairs
Advice
About

Cheapest car insurance in Warsaw, Missouri (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Warsaw, Missouri.
background
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
background
avatar
Maria Cruz
Expert Insurance Writer & Editor
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor

Best car insurance companies in Warsaw

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. 
Let’s take a look at which companies scored the overall highest with our users, and what their average rates are:
Insurance Company
Overall Jerry rating
Average annual cost for full coverage
Average annual cost for minimum coverage
4.5
$1,234
$611
4.3
$1,019
$621
4.2
$1,002
$392
4.5
$1,094
$292
4.4
$1,219
$550
Highlighticon

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.

State Farm

Overall Jerry rating in Missouri: 4.5
JD Power customer satisfaction: 833/1000
AM Best financial strength: A++
NAIC complaint index (September 2023): Slightly more than expected
Being such a large insurance provider, State Farm has a lot to offer their customers. Policyholders have the flexibility to sift through a healthy amount of coverage options so they can build the policy that’s best for them, all from a wide selection of local insurance agents. Though they scored a good number of complaints, State Farm in Warsaw, MO still scored high for customer satisfaction.
Read More
Real 5-star customer review:
“Godly recommend state farm. Low down payments and low monthly payments.” - Felisha Skaggs

Dairyland

Overall Jerry rating in Missouri: 4.3
JD Power customer satisfaction
AM Best financial strength: A+
NAIC complaint index (September 2023): Above average
Dairyland is one of those insurance providers that has your back if you’ve been dinged with a violation or need a free SR-22 filing. Their website and mobile app are easy to use, and they also offer good coverage options for non-standard motorists. Their customer complaints run a tad high, but our readers gave them a 4.7 customer rating.
Read More
Real customer reviews:
“Fantastic” - Anthony, MO
“So far it has been easy and sufficient.” - Sarah, MO
Overall Jerry rating in Missouri: 4.2
JD Power customer satisfaction: 814/1000
AM Best financial strength: A+
NAIC complaint index (June 2023): More than expected
Progressive is one of the longest-standing insurance companies out there. They offer policyholders plenty of coverage options and have 24/7 customer service standing by. They did score higher than average for number of complaints, but Jerry users rated them highly for both customer service and the claims process.
Real 5-star customer reviews:
“I have some old violations and some accidents on my driving record that have made my insurance rates sky high. I could not find insurance for lower than 300 a month and finally progressive saved me. $141 a month for full coverage.” - Jessica, MO
“I’ve had Progressive for almost 4 years now and I have no reason to switch carriers at this point. Their app is seamless and I couldn’t be more satisfied with my coverage!” - Miguel, MO
“This is a great insurance that provides easy use within the app, on the site, & also it’s helpful to talk to representatives on the phone about any problems you may have.” - Nasir, MO

Travelers

Overall Jerry rating in Missouri: 4.2
JD Power customer satisfaction: 814/1000
AM Best financial strength: A+
NAIC complaint index (June 2023): More than expected
Travelers has a robust portfolio of coverage options for their policyholders, as well as an extensive assortment of discounts and 24/7 claims reporting. They also have good coverage available for young motorists and have been credited with a seamless online quote process. But it’s important to keep in mind that they aren’t available nationwide and their rates can run a bit high.
Read More
Real customer reviews:
“Cheapest insurance I have got.” - An, MO
“Good customer service and great coverage for price. Their tracker tool for your vehicle travel to determine new rates is off though and won’t report accurately.” - Kelsea, MO
“Great company” - James, MO
Overall Jerry rating in Missouri: 4.4
JD Power customer satisfaction: 832
AM Best financial strength: A+
NAIC complaint index (June 2023): Much more than expected
Allstate is one of the most popular insurers available. They come with a good number of discounts available and a wide range of coverage options and limits. Some pitfalls to be aware of, on the other hand, are slightly higher rates and lower than average claims processing and complaints scores.
Real 5-star customer reviews:
“I love Allstate. I wish I would have switched years ago????” - Mary, MO
“I have had to buy three cars in the last year and they have been beyond helpful in getting the cars totaled out or changing the cars on the insurance. They’re always helpful and working to provide me with the best help possible.” - Margaret, MO
“Incredibly responsive and dependable” - David, MO

How to find the cheapest car insurance in Warsaw

Car insurance in Warsaw costs about $89 per month for minimum liability coverage, and about $150 per month for full coverage insurance. Warsaw drivers pay 22% less the
Missouri
average.  
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$82
Jessie, 27
Zip: 65355
Ford Fusion S
• State Minimum Liability
Gainsco
$81
Trevor, 41
Zip: 65355
KIA Sorento EX
• State Minimum Liability
coverageLast Updated May 22, 2024

Best cheap car insurance quotes in Warsaw

To get the very cheapest insurance in Warsaw, 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 Warsaw

To drive legally in Warsaw, 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 Warsaw car owners that Jerry recently assisted with obtaining minimum liability coverage.
card cover
Jessie (27 years old)
coverageCoverage
State Minimum
locationWarsaw, MO
(Zip Code: 65355)
carFord Fusion S
$82
per month
card cover
Gainsco
Trevor (41 years old)
coverageCoverage
State Minimum
locationWarsaw, MO
(Zip Code: 65355)
$81
per month

Do you need more than minimum coverage in Warsaw?

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 Warsaw

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
• 50,000/100,000 Liability
• Comp / Collision
Progressive
$62
Andrew, 32
Zip: 65355
Subaru Ascent
• State Minimum Liability
• Comp / Collision
Safeco
$63
Erik, 37
Zip: 65355
Ford Focus
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 Warsaw

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 Warsaw 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 Warsaw?

icon
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
icon
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 Warsaw:

Cheap car insurance quotes in Warsaw 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

Cheapest car insurance in Warsaw after DUI

In Missouri, a DUI conviction can seriously impact your insurance rates. Insurers categorize drivers with DUI convictions as high-risk and may charge steep rates for coverage—or choose not to insure you at all. 
Having a
Missouri DUI offense
on your record can mean you see lots of variations in auto insurance rates among different insurance companies. Jerry has helped many drivers find the best coverage options following a DUI:
card cover
Mae (44 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationWarsaw, MO
(Zip Code: 65355)
$65
per month
card cover
Myrtie (30 years old)
coverageCoverage
State Minimum
locationWarsaw, MO
(Zip Code: 65355)
$75
per month

Cheapest car insurance in Warsaw 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.

Cheapest car insurance in Warsaw 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 Warsaw.
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
Illegal Turn
Travelers
$79
Kyle, 31
Zip: 65355
Hummer H2
• State Minimum Liability
• Comp / Collision
Defective Equipment
Progressive
$69
Adrian, 33
Zip: 65355
Acura MDX
• 100,000/300,000 Liability
coverageLast Updated May 18, 2024

Cheap car insurance quotes in Warsaw 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 Warsaw 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.
card cover
Curtis (18 years old)
coverageCoverage
State Minimum
locationWarsaw, MO
(Zip Code: 65355)
$68
per month
card cover
Adam (18 years old)
coverageCoverage
State Minimum
locationWarsaw, MO
(Zip Code: 65355)
$74
per month

Cheapest car insurance in Warsaw for senior drivers

Similar to teenage drivers,
car insurance rates for senior drivers
are typically higher than the national average. Insurers consider senior drivers high-risk because:
  • Senior drivers have a higher likelihood of being involved in car accidents 
  • Accidents involving senior drivers typically result in more severe injuries and increased medical expenses
card cover
Frederick (74 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationWarsaw, MO
(Zip Code: 65355)
$65
per month
card cover
Robert (70 years old)
coverageCoverage
State Minimum
locationWarsaw, MO
(Zip Code: 65355)
$50
per month

Cheap car insurance quotes in Warsaw 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
card cover
Travis (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationWarsaw, MO
(Zip Code: 65355)
carFord Fusion S
$82
per month
card cover
Clearcover
Lola (41 years old)
Currently Insured
coverageCoverage
State Minimum
locationWarsaw, MO
(Zip Code: 65355)
$81
per month
card cover
Gainsco
Allen (41 years old)
Currently Insured
coverageCoverage
State Minimum
locationWarsaw, MO
(Zip Code: 65355)
$81
per month
card cover
Gainsco
Mayme (41 years old)
Currently Insured
coverageCoverage
State Minimum
locationWarsaw, MO
(Zip Code: 65355)
$81
per month
card cover
Clyde (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationWarsaw, MO
(Zip Code: 65355)
carFord Fusion S
$82
per month

Cheap car insurance quotes in Warsaw 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
550 - 659
Progressive
$82
Rose, 27
Zip: 65355
Ford Fusion S
• State Minimum Liability
coverageLast Updated May 22, 2024

How to lower car insurance costs in Warsaw

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

What is the cheapest car insurance in Warsaw?

Based on thousands of Warsaw drivers Jerry has worked with, car insurance in Warsaw 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!

What is the best car insurance in Warsaw?

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 Warsaw 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.

What is the minimum car insurance in Warsaw, Missouri?

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

avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
avatar
Sarah Gray
badge icon
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.