Excelsior Springs drivers pay an average of $1,829/year — $58 more than the national average. With 133 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $269/year.
(888) 217-6781Estimated full coverage auto insurance rates for Excelsior Springs, MO from top carriers. Rates are adjusted for Excelsior Springs's 133 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $696 | $116/mo |
| Shelter Insurance | $755 | $126/mo |
| Progressive | $782 | $130/mo |
| State Farm | $857 | $143/mo |
| Allstate | $1,039 | $173/mo |
Estimates based on 2026 rate filings for ZIP 64024. GEICO is cheapest at ~$116/mo. Actual rates vary by driver profile and exact Excelsior Springs location.
These Excelsior Springs-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Excelsior Springs, MO. Takes under 2 minutes.
(888) 217-6781Excelsior Springs is a smaller city in Missouri with a population of 10,553. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as tornadoes, severe thunderstorms, flooding, ice storms, hail, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Excelsior Springs.
For official Missouri insurance regulations, visit the Missouri Department of Commerce and Insurance. For driver licensing, see the Missouri DOR Motor Vehicle.
Your specific ZIP code within Excelsior Springs can swing your premium by hundreds of dollars. Here's how rates compare across Excelsior Springs neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 64027 | Excelsior Springs South Side | $1,712/yr | $143/mo |
| 64027 | Excelsior Springs North Side | $1,739/yr | $145/mo |
| 64044 | Excelsior Springs West Side | $1,808/yr | $151/mo |
| 64028 | Excelsior Springs East Side | $1,901/yr | $158/mo |
| 64024 | Excelsior Springs Downtown/Central | $2,000/yr | $167/mo |
The cheapest ZIP is 64027 (Excelsior Springs South Side) at $1,712/yr. The most expensive is 64024 (Excelsior Springs Downtown/Central) at $2,000/yr — a $288/year difference for the same driver.
Your Excelsior Springs ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Excelsior Springs. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,841/yr | $320/mo | +110% vs avg |
| Young Adult (20-25) | $2,561/yr | $213/mo | +40% vs avg |
| Adult (26-35) | $1,829/yr | $152/mo | 0% vs avg |
| Mid-Career (36-50) | $1,610/yr | $134/mo | -12% vs avg |
| Senior (51-65) | $1,518/yr | $127/mo | -17% vs avg |
| 65+ | $1,628/yr | $136/mo | -11% vs avg |
Teens in Excelsior Springs pay an average of $3,841/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,518/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Missouri cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Excelsior Springs drivers can save up to $269/year. ZIP 64027 (Excelsior Springs South Side) has the lowest rates starting at $1,712/yr.
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