Best Buffalo, MO Car Insurance in 2024
Car insurance in Buffalo, MO averages $270 a month. Buffalo, Missouri car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Buffalo car insurance rates, compare quotes from the top car insurance companies in Buffalo, MO.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Buffalo is Nationwide
- Average car insurance rates in Buffalo, MO after a DUI are $3,774/year
- The cheapest car insurance company in Buffalo for teen drivers is Nationwide
If you need to buy Buffalo, Missouri car insurance, the options can be confusing. Everything you need to know about car insurance in Buffalo, MO is right here.
You’ll find Buffalo car insurance rates, the cheapest Buffalo, MO car insurance companies, and information on Missouri car insurance laws. You can also compare Buffalo, Missouri car insurance rates to Independence car insurance rates, Kansas City car insurance rates, and Springfield car insurance rates.
Ready to find affordable Buffalo, MO car insurance today? Enter your ZIP code for fast, free Buffalo car insurance quotes.
Cheapest Buffalo, MO Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Buffalo, MO car insurance rates? Every Buffalo, Missouri car insurance company weighs these factors differently, so check out the comparison rates.
Annual Car Insurance Rates by Age, Gender, and Marital Status in Buffalo, Missouri
| 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 | $2,698 | $2,526 | $2,605 | $7,952 | $8,623 | $2,660 | $2,739 |
| American Family | $2,242 | $2,242 | $1,992 | $1,992 | $6,001 | $7,831 | $2,242 | $2,635 |
| Farmers | $2,259 | $2,251 | $2,019 | $2,136 | $9,230 | $9,545 | $2,582 | $2,708 |
| Geico | $1,967 | $2,198 | $1,523 | $1,925 | $6,022 | $6,405 | $1,820 | $1,849 |
| Liberty Mutual | $2,627 | $2,847 | $2,161 | $2,424 | $9,047 | $10,050 | $2,769 | $2,956 |
| Nationwide | $1,458 | $1,488 | $1,307 | $1,382 | $3,741 | $4,784 | $1,669 | $1,803 |
| Progressive | $1,877 | $1,736 | $1,535 | $1,582 | $6,245 | $7,013 | $2,287 | $2,346 |
| State Farm | $1,670 | $1,670 | $1,489 | $1,489 | $4,731 | $5,972 | $1,875 | $2,135 |
| USAA | $1,433 | $1,425 | $1,288 | $1,317 | $4,154 | $5,080 | $1,787 | $1,992 |
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Minimum Car Insurance in Buffalo, MO
Every driver must carry the minimum car insurance required by the state in Buffalo, MO. Take a look at the Missouri car insurance requirements.
Minimum Required Car Insurance Coverage in Buffalo, Missouri
| 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 Buffalo, MO Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Buffalo, MO. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in Buffalo from top companies for good, fair, and poor credit.
Annual Car Insurance Rates by Credit Score in Buffalo, Missouri
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $5,619 | $3,619 | $2,986 |
| American Family | $4,445 | $3,120 | $2,627 |
| Farmers | $4,679 | $3,893 | $3,702 |
| Geico | $4,093 | $2,666 | $2,132 |
| Liberty Mutual | $6,255 | $3,818 | $3,007 |
| Nationwide | $2,596 | $2,148 | $1,867 |
| Progressive | $3,564 | $2,950 | $2,719 |
| State Farm | $3,579 | $2,358 | $1,949 |
| USAA | $3,840 | $1,796 | $1,291 |
Cheapest Buffalo, MO Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Buffalo, MO to rates for a clean record with top companies.
Annual Buffalo, Missouri Car Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,480 | $3,940 | $4,926 | $3,953 |
| American Family | $2,583 | $3,658 | $4,421 | $2,926 |
| Farmers | $3,544 | $4,394 | $4,298 | $4,129 |
| Geico | $2,338 | $2,993 | $3,996 | $2,528 |
| Liberty Mutual | $3,170 | $4,546 | $4,688 | $5,037 |
| Nationwide | $1,728 | $2,222 | $2,972 | $1,893 |
| Progressive | $2,650 | $3,586 | $2,950 | $3,125 |
| State Farm | $2,422 | $2,836 | $2,629 | $2,629 |
| USAA | $1,870 | $2,251 | $3,082 | $2,035 |
Read more: What are the DUI insurance laws in Missouri?
Cheapest Buffalo, MO Car Insurance for Teen Drivers
Teen car insurance in Buffalo, MO can be expensive. Take a look at rates from the top car insurance companies in Buffalo for teenagers.
Annual Car Insurance Rates for Teen Drivers in Buffalo, Missouri
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $7,952 | $8,623 |
| American Family | $6,001 | $7,831 |
| Farmers | $9,230 | $9,545 |
| Geico | $6,022 | $6,405 |
| Liberty Mutual | $9,047 | $10,050 |
| Nationwide | $3,741 | $4,784 |
| Progressive | $6,245 | $7,013 |
| State Farm | $4,731 | $5,972 |
| USAA | $4,154 | $5,080 |
Cheapest Buffalo, MO Car Insurance for Seniors
Take a look at Buffalo, MO rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
Annual Car Insurance Rates for Senior Drivers in Buffalo, Missouri
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,526 | $2,605 |
| American Family | $1,992 | $1,992 |
| Farmers | $2,019 | $2,136 |
| Geico | $1,523 | $1,925 |
| Liberty Mutual | $2,161 | $2,424 |
| Nationwide | $1,307 | $1,382 |
| Progressive | $1,535 | $1,582 |
| State Farm | $1,489 | $1,489 |
| USAA | $1,288 | $1,317 |
Cheapest Buffalo, MO Car Insurance Rates After a DUI
A DUI in Buffalo, MO increases car insurance rates. Compare Buffalo, Missouri car insurance after a DUI by company to find the cheapest option.
Annual Car Insurance Rates After a DUI in Buffalo, Missouri
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $4,926 |
| American Family | $4,421 |
| Farmers | $4,298 |
| Geico | $3,996 |
| Liberty Mutual | $4,688 |
| Nationwide | $2,972 |
| Progressive | $2,950 |
| State Farm | $2,629 |
| USAA | $3,082 |
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Cheapest Buffalo, MO Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Buffalo, MO by commute? Take a look at a comparison of the top companies by commute length.
Annual Car Insurance Rates by Commute Length in Buffalo, Missouri
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,075 | $4,075 |
| American Family | $3,363 | $3,431 |
| Farmers | $4,091 | $4,091 |
| Geico | $2,905 | $3,022 |
| Liberty Mutual | $4,360 | $4,360 |
| Nationwide | $2,204 | $2,204 |
| Progressive | $3,078 | $3,078 |
| State Farm | $2,565 | $2,693 |
| USAA | $2,224 | $2,394 |
The Best Cheap Car Insurance Companies in Buffalo, MO
Take a look at a side-by-side comparison of the top car insurance companies in Buffalo, MO to find the best option for your needs.
Average Annual Car Insurance Rates by Company in Buffalo, Missouri
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,075 |
| American Family | $3,397 |
| Farmers | $4,091 |
| Geico | $2,964 |
| Liberty Mutual | $4,360 |
| Nationwide | $2,204 |
| Progressive | $3,078 |
| State Farm | $2,629 |
| USAA | $2,309 |
Category Winners: Cheapest Car Insurance in Buffalo, Missouri
Find the cheapest car insurance companies in Buffalo, MO for each category right here.
Best Annual Car Insurance Rates by Company in Buffalo, Missouri
| Category | Insurance Company |
|---|---|
| Teenagers | Nationwide |
| Seniors | USAA |
| Clean Record | Nationwide |
| With 1 Accident | Nationwide |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | Nationwide |
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Cheapest Buffalo, MO Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Buffalo car insurance rates. Find the cheapest Buffalo, MO car insurance rates by coverage level.
Annual Car Insurance Rates by Coverage Level in Buffalo, Missouri
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,916 | $4,066 | $4,243 |
| American Family | $3,308 | $3,505 | $3,378 |
| Farmers | $3,843 | $4,053 | $4,378 |
| Geico | $2,793 | $2,981 | $3,116 |
| Liberty Mutual | $4,118 | $4,381 | $4,581 |
| Nationwide | $2,066 | $2,226 | $2,319 |
| Progressive | $2,758 | $3,084 | $3,390 |
| State Farm | $2,467 | $2,637 | $2,783 |
| USAA | $2,204 | $2,301 | $2,423 |
What affects car insurance rates in Buffalo, Missouri?
What are the factors that affect car insurance rates in Buffalo, MO? There are several reasons why Buffalo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Buffalo, Missouri.
Commute Time in Buffalo
The more time you spend in your car the higher the risk of an accident. The average commute length in Buffalo, MO is 27.0 minutes according to City-Data.
Traffic in Buffalo
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Buffalo, MO traffic data from INRIX ranks Buffalo as the 716th-most congested in the world.
Compare Car Insurance Quotes in Buffalo, MO
Ready to find affordable Buffalo, Missouri car insurance today? Enter your ZIP code for fast, free Buffalo, MO car insurance quotes.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How much does car insurance in Buffalo, MO cost on average?
The average cost is around $270 per month.
What are the car insurance requirements in Buffalo, MO?
The requirements are 25/50/25.
Do I need full coverage insurance if my car is financed?
Yes, it’s typically required by the lender.
How can I find cheap car insurance rates in Buffalo, MO?
Compare quotes from top insurance companies.
How do age, gender, and marital status affect car insurance rates?
Each company weighs these factors differently.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.