Neosho drivers pay an average of $1,876/year — $105 more than the national average. With 158 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $316/year.
(888) 217-6781Estimated full coverage auto insurance rates for Neosho, MO from top carriers. Rates are adjusted for Neosho's 158 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $714 | $119/mo |
| Shelter Insurance | $774 | $129/mo |
| Progressive | $802 | $134/mo |
| State Farm | $879 | $146/mo |
| Allstate | $1,065 | $178/mo |
Estimates based on 2026 rate filings for ZIP 64850. GEICO is cheapest at ~$119/mo. Actual rates vary by driver profile and exact Neosho location.
These Neosho-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Neosho, MO. Takes under 2 minutes.
(888) 217-6781Neosho is a smaller city in Missouri with a population of 12,590. 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 Neosho.
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 Neosho can swing your premium by hundreds of dollars. Here's how rates compare across Neosho neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 64865 | Neosho South Side | $1,775/yr | $148/mo |
| 64853 | Neosho North Side | $1,803/yr | $150/mo |
| 64854 | Neosho West Side | $1,845/yr | $154/mo |
| 64858 | Neosho East Side | $1,937/yr | $161/mo |
| 64850 | Neosho Downtown/Central | $2,056/yr | $171/mo |
The cheapest ZIP is 64865 (Neosho South Side) at $1,775/yr. The most expensive is 64850 (Neosho Downtown/Central) at $2,056/yr — a $281/year difference for the same driver.
Your Neosho ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Neosho. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $3,940/yr | $328/mo | +110% vs avg |
| Young Adult (20-25) | $2,626/yr | $219/mo | +40% vs avg |
| Adult (26-35) | $1,876/yr | $156/mo | 0% vs avg |
| Mid-Career (36-50) | $1,651/yr | $138/mo | -12% vs avg |
| Senior (51-65) | $1,557/yr | $130/mo | -17% vs avg |
| 65+ | $1,670/yr | $139/mo | -11% vs avg |
Teens in Neosho pay an average of $3,940/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,557/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.
Neosho drivers can save up to $316/year. ZIP 64865 (Neosho South Side) has the lowest rates starting at $1,775/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes