Compare Norwood, MO Car Insurance Rates [2025]
Car insurance in Norwood, MO averages $266 a month. Norwood, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Norwood car insurance rates, compare quotes from the top car insurance companies in Norwood, MO.
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Table of Contents
Table of Contents
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Michael Leotta
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated November 2023
- The cheapest car insurance company in Norwood for teen drivers is Nationwide
- The cheapest car insurance company in Norwood is Nationwide
- Average car insurance rates in Norwood, MO are $3,188/year
If you need to buy Norwood, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Norwood, MO is right here.
You’ll find Norwood car insurance rates, the cheapest Norwood, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Norwood, Missouri car insurance rates to St. Joseph car insurance rates, St. Louis car insurance rates, and Springfield car insurance rates.
Ready to find affordable Norwood, MO car insurance today? Enter your ZIP code for fast, free Norwood car insurance quotes.
Cheapest Norwood, MO Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Norwood, MO car insurance rates? Every Norwood, Missouri car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,796 | $2,713 | $2,507 | $2,587 | $7,621 | $8,247 | $2,695 | $2,790 |
| American Family | $2,076 | $2,076 | $1,848 | $1,848 | $5,646 | $7,346 | $2,076 | $2,432 |
| Farmers | $2,218 | $2,214 | $1,981 | $2,096 | $9,104 | $9,430 | $2,532 | $2,654 |
| Geico | $1,901 | $2,131 | $1,473 | $1,882 | $5,921 | $6,282 | $1,747 | $1,765 |
| Liberty Mutual | $2,617 | $2,839 | $2,154 | $2,415 | $8,849 | $9,828 | $2,763 | $2,957 |
| Nationwide | $1,393 | $1,421 | $1,251 | $1,321 | $3,555 | $4,537 | $1,592 | $1,717 |
| Progressive | $1,848 | $1,722 | $1,509 | $1,554 | $5,922 | $6,658 | $2,253 | $2,310 |
| State Farm | $1,721 | $1,721 | $1,532 | $1,532 | $4,888 | $6,156 | $1,932 | $2,213 |
| USAA | $1,556 | $1,542 | $1,404 | $1,428 | $4,603 | $5,620 | $1,932 | $2,146 |
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Minimum Car Insurance in Norwood, MO
Every driver must carry the minimum car insurance in Norwood, MO. Take a look at the Missouri car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest Norwood, MO Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Norwood, MO. Compare credit history car insurance rates in Norwood from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,511 | $3,542 | $2,930 |
| American Family | $4,140 | $2,913 | $2,453 |
| Farmers | $4,606 | $3,834 | $3,646 |
| Geico | $3,988 | $2,598 | $2,078 |
| Liberty Mutual | $6,186 | $3,761 | $2,962 |
| Nationwide | $2,473 | $2,045 | $1,777 |
| Progressive | $3,449 | $2,846 | $2,621 |
| State Farm | $3,696 | $2,432 | $2,008 |
| USAA | $4,206 | $1,968 | $1,413 |
Cheapest Norwood, MO Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Norwood, MO to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,439 | $3,868 | $4,790 | $3,881 |
| American Family | $2,379 | $3,428 | $4,158 | $2,710 |
| Farmers | $3,493 | $4,327 | $4,233 | $4,062 |
| Geico | $2,256 | $2,917 | $3,931 | $2,447 |
| Liberty Mutual | $3,131 | $4,480 | $4,629 | $4,971 |
| Nationwide | $1,648 | $2,116 | $2,826 | $1,804 |
| Progressive | $2,581 | $3,437 | $2,855 | $3,016 |
| State Farm | $2,497 | $2,926 | $2,712 | $2,712 |
| USAA | $2,029 | $2,462 | $3,409 | $2,217 |
Cheapest Norwood, MO Car Insurance for Teen Drivers
Teen car insurance in Norwood, MO can be expensive. Take a look at rates from the top car insurance companies in Norwood for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,621 | $8,247 |
| American Family | $5,646 | $7,346 |
| Farmers | $9,104 | $9,430 |
| Geico | $5,921 | $6,282 |
| Liberty Mutual | $8,849 | $9,828 |
| Nationwide | $3,555 | $4,537 |
| Progressive | $5,922 | $6,658 |
| State Farm | $4,888 | $6,156 |
| USAA | $4,603 | $5,620 |
Cheapest Norwood, MO Car Insurance for Seniors
Take a look at Norwood, MO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,507 | $2,587 |
| American Family | $1,848 | $1,848 |
| Farmers | $1,981 | $2,096 |
| Geico | $1,473 | $1,882 |
| Liberty Mutual | $2,154 | $2,415 |
| Nationwide | $1,251 | $1,321 |
| Progressive | $1,509 | $1,554 |
| State Farm | $1,532 | $1,532 |
| USAA | $1,404 | $1,428 |
Cheapest Norwood, MO Car Insurance Rates After a DUI
A DUI in Norwood, MO increases car insurance rates. Compare Norwood, Missouri DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,790 |
| American Family | $4,158 |
| Farmers | $4,233 |
| Geico | $3,931 |
| Liberty Mutual | $4,629 |
| Nationwide | $2,826 |
| Progressive | $2,855 |
| State Farm | $2,712 |
| USAA | $3,409 |
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Cheapest Norwood, MO Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Norwood, MO by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,995 | $3,995 |
| American Family | $3,137 | $3,200 |
| Farmers | $4,029 | $4,029 |
| Geico | $2,832 | $2,943 |
| Liberty Mutual | $4,303 | $4,303 |
| Nationwide | $2,099 | $2,099 |
| Progressive | $2,972 | $2,972 |
| State Farm | $2,647 | $2,776 |
| USAA | $2,437 | $2,620 |
The Best Cheap Car Insurance Companies in Norwood, MO
Take a look at a side-by-side comparison of the top car insurance companies in Norwood, MO to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,995 |
| American Family | $3,169 |
| Farmers | $4,029 |
| Geico | $2,888 |
| Liberty Mutual | $4,303 |
| Nationwide | $2,099 |
| Progressive | $2,972 |
| State Farm | $2,712 |
| USAA | $2,529 |
Category Winners: Cheapest Car Insurance in Norwood, Missouri
Find the cheapest car insurance companies in Norwood, MO for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | Nationwide |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
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Cheapest Norwood, MO Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Norwood car insurance rates. Find the cheapest Norwood, MO car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,857 | $3,987 | $4,140 |
| American Family | $3,077 | $3,269 | $3,160 |
| Farmers | $3,772 | $3,988 | $4,325 |
| Geico | $2,709 | $2,908 | $3,047 |
| Liberty Mutual | $4,070 | $4,321 | $4,518 |
| Nationwide | $1,970 | $2,118 | $2,208 |
| Progressive | $2,677 | $2,978 | $3,261 |
| State Farm | $2,560 | $2,719 | $2,857 |
| USAA | $2,414 | $2,520 | $2,654 |
What affects car insurance rates in Norwood, Missouri?
What factors can have an impact on Norwood, MO car insurance? There are several reasons why Norwood car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Norwood, Missouri.
Commute Time in Norwood
The more time you spend in your car the higher the risk of an accident. The average commute length in Norwood, MO is 19.4 minutes according to City-Data.
Compare Car Insurance Quotes in Norwood, MO
Ready to find affordable Norwood, Missouri car insurance today? Enter your ZIP code for fast, free Norwood, MO car insurance quotes.
Frequently Asked Questions
How are car insurance rates determined in Norwood, MO?
Car insurance rates in Norwood, MO, like in any other location, are determined based on various factors. These factors include the driver’s age, gender, driving record, type of vehicle, coverage limits, deductible amounts, and even the ZIP code where the car is primarily parked.
Are car insurance rates higher in Norwood, MO compared to other areas?
Car insurance rates can vary from one location to another, and Norwood, MO, may have its own unique factors that could influence rates. However, without specific comparison data, it’s difficult to determine whether rates in Norwood, MO, are higher or lower than other areas.
Are there any local factors that affect car insurance rates in Norwood, MO?
Local factors that could affect car insurance rates in Norwood, MO, may include the frequency of accidents or thefts in the area, the availability of repair shops, local traffic patterns, and even weather conditions. Insurance companies consider these factors when assessing risks and determining rates.
How can I find the best car insurance rates in Norwood, MO?
To find the best car insurance rates in Norwood, MO, consider the following steps:
- Compare quotes from multiple insurance providers.
- Provide accurate information about your driving history and vehicle details.
- Review the coverage options and limits offered by each provider.
- Consider bundling policies or taking advantage of discounts.
- Read reviews or seek recommendations to ensure the chosen provider has a good reputation for customer service and claims handling.
Can maintaining a good driving record help lower car insurance rates in Norwood, MO?
Yes, maintaining a good driving record can have a positive impact on car insurance rates in Norwood, MO. Insurance companies often offer discounts to drivers with a clean record, as it indicates a lower risk of accidents or claims.
What are the pros of comparing car insurance rates in Norwood, MO?
The pros of comparing car insurance rates in Norwood, MO, include:
- Potential savings: By comparing rates, you can find insurance providers offering competitive premiums.
- Customized coverage: You can explore different coverage options and limits to meet your specific needs.
- Access to discounts: By comparing, you can identify providers offering various discounts that could help lower your premium.
- Improved customer service: Researching and reading reviews can help you choose an insurance company known for its excellent customer service.
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