Compare Cape Girardeau, MO Car Insurance Rates [2025]
Car insurance in Cape Girardeau, MO averages $274 a month. Cape Girardeau, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Cape Girardeau car insurance rates, compare quotes from the top car insurance companies in Cape Girardeau, MO.
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Insurance and Finance Writer
Luke Williams is a finance, insurance, real estate, and home improvement expert based in Philadelphia, Pennsylvania, specializing in writing and researching for consumers. He studied finance, economics, and communications at Pennsylvania State University and graduated with a degree in Corporate Communications. His insurance and finance writing has been featured on Spoxor, The Good Men Project...
Luke Williams
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Tracey L. Wells
Updated January 2024
- The cheapest car insurance company in Cape Girardeau for teen drivers is Nationwide
- Average car insurance rates in Cape Girardeau, MO are $3,287/year
- The cheapest car insurance company in Cape Girardeau is Nationwide
If you need to buy Cape Girardeau, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Cape Girardeau, MO is right here.
You’ll find Cape Girardeau car insurance rates, the cheapest Cape Girardeau, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Cape Girardeau, Missouri car insurance rates to Kansas City car insurance rates, Lee’s Summit car insurance rates, and St. Charles car insurance rates.
Ready to find affordable Cape Girardeau, MO car insurance today? Enter your ZIP code for fast, free Cape Girardeau car insurance quotes.
Cheapest Cape Girardeau, MO Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Cape Girardeau, MO car insurance rates? Every Cape Girardeau, 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 | $2,084 | $2,084 | $1,857 | $1,857 | $5,718 | $7,429 | $2,084 | $2,435 |
| Farmers | $2,435 | $2,435 | $2,174 | $2,300 | $9,970 | $10,348 | $2,760 | $2,883 |
| Geico | $1,712 | $1,924 | $1,343 | $1,739 | $5,424 | $5,709 | $1,562 | $1,554 |
| Liberty Mutual | $2,618 | $2,834 | $2,157 | $2,418 | $9,278 | $10,301 | $2,752 | $2,928 |
| Nationwide | $1,478 | $1,502 | $1,331 | $1,401 | $3,804 | $4,837 | $1,693 | $1,822 |
| Progressive | $2,101 | $1,924 | $1,726 | $1,777 | $7,315 | $8,198 | $2,559 | $2,613 |
| State Farm | $1,670 | $1,670 | $1,511 | $1,511 | $5,076 | $6,375 | $1,886 | $2,164 |
| USAA | $1,503 | $1,488 | $1,359 | $1,379 | $4,499 | $5,488 | $1,862 | $2,065 |
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Minimum Car Insurance in Cape Girardeau, MO
Every driver must carry the minimum car insurance in Cape Girardeau, 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 Cape Girardeau, MO Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Cape Girardeau, MO. Compare credit history car insurance rates in Cape Girardeau from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,511 | $3,542 | $2,930 |
| American Family | $4,170 | $2,936 | $2,474 |
| Farmers | $5,037 | $4,203 | $4,000 |
| Geico | $3,616 | $2,358 | $1,888 |
| Liberty Mutual | $6,318 | $3,870 | $3,045 |
| Nationwide | $2,625 | $2,182 | $1,895 |
| Progressive | $4,065 | $3,387 | $3,128 |
| State Farm | $3,826 | $2,421 | $1,950 |
| USAA | $4,080 | $1,912 | $1,375 |
Cheapest Cape Girardeau, 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 Cape Girardeau, 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 | $2,384 | $3,454 | $4,211 | $2,724 |
| Farmers | $3,843 | $4,740 | $4,639 | $4,431 |
| Geico | $2,022 | $2,653 | $3,609 | $2,199 |
| Liberty Mutual | $3,198 | $4,607 | $4,737 | $5,102 |
| Nationwide | $1,741 | $2,253 | $3,028 | $1,912 |
| Progressive | $3,017 | $4,136 | $3,375 | $3,578 |
| State Farm | $2,494 | $2,971 | $2,733 | $2,733 |
| USAA | $1,960 | $2,389 | $3,328 | $2,146 |
Cheapest Cape Girardeau, MO Car Insurance for Teen Drivers
Teen car insurance in Cape Girardeau, MO can be expensive. Take a look at rates from the top car insurance companies in Cape Girardeau for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,621 | $8,247 |
| American Family | $5,718 | $7,429 |
| Farmers | $9,970 | $10,348 |
| Geico | $5,424 | $5,709 |
| Liberty Mutual | $9,278 | $10,301 |
| Nationwide | $3,804 | $4,837 |
| Progressive | $7,315 | $8,198 |
| State Farm | $5,076 | $6,375 |
| USAA | $4,499 | $5,488 |
Cheapest Cape Girardeau, MO Car Insurance for Seniors
Take a look at Cape Girardeau, 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 | $1,857 | $1,857 |
| Farmers | $2,174 | $2,300 |
| Geico | $1,343 | $1,739 |
| Liberty Mutual | $2,157 | $2,418 |
| Nationwide | $1,331 | $1,401 |
| Progressive | $1,726 | $1,777 |
| State Farm | $1,511 | $1,511 |
| USAA | $1,359 | $1,379 |
Cheapest Cape Girardeau, MO Car Insurance Rates After a DUI
A DUI in Cape Girardeau, MO increases car insurance rates. Compare Cape Girardeau, 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 | $4,211 |
| Farmers | $4,639 |
| Geico | $3,609 |
| Liberty Mutual | $4,737 |
| Nationwide | $3,028 |
| Progressive | $3,375 |
| State Farm | $2,733 |
| USAA | $3,328 |
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Cheapest Cape Girardeau, MO Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Cape Girardeau, 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 | $3,162 | $3,225 |
| Farmers | $4,413 | $4,413 |
| Geico | $2,572 | $2,669 |
| Liberty Mutual | $4,411 | $4,411 |
| Nationwide | $2,234 | $2,234 |
| Progressive | $3,527 | $3,527 |
| State Farm | $2,665 | $2,800 |
| USAA | $2,367 | $2,544 |
Cheapest Cape Girardeau, MO Car Insurance Rates by ZIP Code
Cape Girardeau car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Cape Girardeau, MO.
| ZIP Code | Average Annual Rates |
|---|---|
| 63701 | $2,672 |
| 63703 | $2,751 |
The Best Cheap Car Insurance Companies in Cape Girardeau, MO
Take a look at a side-by-side comparison of the top car insurance companies in Cape Girardeau, MO to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,995 |
| American Family | $3,193 |
| Farmers | $4,413 |
| Geico | $2,621 |
| Liberty Mutual | $4,411 |
| Nationwide | $2,234 |
| Progressive | $3,527 |
| State Farm | $2,733 |
| USAA | $2,456 |
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Category Winners: Cheapest Car Insurance in Cape Girardeau, Missouri
Find the cheapest car insurance companies in Cape Girardeau, 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 |
Cheapest Cape Girardeau, MO Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Cape Girardeau car insurance rates. Find the cheapest Cape Girardeau, MO car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,857 | $3,987 | $4,140 |
| American Family | $3,096 | $3,294 | $3,190 |
| Farmers | $4,121 | $4,369 | $4,750 |
| Geico | $2,427 | $2,643 | $2,792 |
| Liberty Mutual | $4,152 | $4,434 | $4,646 |
| Nationwide | $2,082 | $2,257 | $2,362 |
| Progressive | $3,131 | $3,536 | $3,913 |
| State Farm | $2,543 | $2,745 | $2,910 |
| USAA | $2,344 | $2,446 | $2,576 |
What affects car insurance rates in Cape Girardeau, Missouri?
What factors can have an impact on Cape Girardeau, MO car insurance? There are several reasons why Cape Girardeau car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cape Girardeau, Missouri.
Commute Time in Cape Girardeau
The more time you spend in your car the higher the risk of an accident. The average commute length in Cape Girardeau, MO is 16.7 minutes according to City-Data.
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Compare Car Insurance Quotes in Cape Girardeau, MO
Ready to find affordable Cape Girardeau, Missouri car insurance today? Enter your ZIP code for fast, free Cape Girardeau, MO car insurance quotes.
Frequently Asked Questions
How much does car insurance in Cape Girardeau, MO cost on average?
Car insurance in Cape Girardeau, MO averages $274 per month.
What are the car insurance requirements in Cape Girardeau, MO?
The car insurance requirements in Cape Girardeau, MO are 25/50/25, but full coverage insurance may be necessary if your car is financed.
How can I find cheap car insurance rates in Cape Girardeau, MO?
To find cheap car insurance rates in Cape Girardeau, MO, compare quotes from the top car insurance companies.
How do age, gender, and marital status affect car insurance rates in Cape Girardeau, MO?
Every car insurance company in Cape Girardeau, MO weighs age, gender, and marital status differently, so it’s important to compare rates.
What is the minimum car insurance required in Cape Girardeau, MO?
Every driver in Cape Girardeau, MO must carry the minimum car insurance required by Missouri law.
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