Hartville Auto Insurance Rates, Quotes, Agents & Reviews in MO

Hartville, MO Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Hartville, MO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Average Cost of Car Insurance in Hartville

The average cost of car insurance in Hartville, CO, is $1,380. If you're looking for cheap auto insurance in Hartville, MO, getting multiple quotes is the best way to get a lower rate. Auto insurance quotes may vary from individual to individual and from one city to another. 

Many factors affect your auto insurance rates, including your driving record, ZIP code, location of residence, and many more. Therefore, car owners must keep in mind that there are many types of drivers on the road. For example, low-income drivers living on high-crime streets will pay more for auto insurance in Hartville, MO, even if they have a clean driving record because they reside in a high-crime area.

a. Car insurance rates based on the driver's age in Hartville, MO

Car insurance is designed to protect the driver, passengers, and other road users in the event of an accident. As such, it's a legal requirement if you want to drive your car on public roads. Due to this, insurance providers consider teenagers and young drivers as high-risk drivers and charge high auto insurance rates in Hartville, MO. For instance, teenagers pay $4,478 on auto insurance in Hartville, MO. At the same time, drivers aged 40 years pay $1,314 on car insurance in Hartville, MO.

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b. Car insurance rates Post-DUI in Hartville, MO

Being charged and convicted with a DUI in Hartville can lead to severe consequences, including jail and hefty fines. For instance, if you are caught driving under the influence of alcohol or drugs and have a Blood Alcohol Content (BAC) level higher than 0.08 percent, you will be charged with a DUI. This will also result in increased auto insurance rates in Hartville, MO. The average cost of car insurance in Hartville is currently $1,380 — Post-DUI, car insurance rates increase by $1,968.

c. Car insurance rates based on credit history in Hartville, MO

Your credit report is one of the most important factors determining the auto insurance rate in Hartville, MO. Insurers will look at your credit history to understand the risk a car owner poses to the company. Few studies demonstrated a correlation between poor credit and more claims, i.e., car owners with low credit scores are more likely to file a claim when compared to car owners with high credit scores. As a result, drivers with good credit are rewarded with lower premiums on auto insurance in Hartville, MO. For instance, auto owners with exceptional credit scores pay $1,184 on auto insurance in Hartville, MO, whereas car owners with poor credit scores pay $2,251 on car insurance in Hartville, MO.

Factors that can influence the cost of car insurance in Hartville, MO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Hartville, MO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Hartville, MO with that of other cities in and around Hartville.

Hartville Gasconade Hart Mansfield Wood Wright County
Average Insurance Rates $1,380 $1,454 $1,412 $1,397 $1,437 $1,422

Hartville, MO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Hartville, MO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Hartville $2,645 $2,234
Wright County $1,440 $1,216
Hart $1,346 $1,137
Gasconade $1,080 $913
Mansfield $1,355 $1,145
Wood $2,138 $1,806
Elk Creek $2,030 $1,715
High Prairie $1,439 $1,215

Hartville, MO Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Hartville, MO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,478
20 Years $1,773
30 Years $1,366
40 Years $1,314
50 Years $1,217
60 Years $1,234
70 Years $1,436

Hartville, MO Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Hartville, MO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,346 $414
3 Vehicles $3,519 $621
4 Vehicles $4,692 $828

Savings on 2 Vehicles bundle:$414

Savings on 3 Vehicles bundle:$621

Savings on 4 Vehicles bundle:$828


Hartville, MO Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Hartville, MO.

Location Average Insurance Cost Post DUI Insurance Rate
Hartville $1,380 $1,968
Wright County $1,422 $2,028
Hart $1,412 $2,014
Gasconade $1,454 $2,074
Mansfield $1,397 $1,993
Wood $1,437 $2,050
Elk Creek $1,971 $2,812
High Prairie $1,488 $2,123

Hartville, MO Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,184
Excellent (740-799) $1,352
Good (670-739) $1,438
Average (580-669) $1,876
Poor (300-579) $2,251

Hartville, MO Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Leeann Rauch Farmers 4650 S National Ave Ste C3, Springfield, 65810 (417) 569-9500
Burlin Hefley State Farm 1763 E Elm St, Springfield, 65802-3227 417-869-4461
Rob Akers State Farm 1901a S Glenstone Ave, Springfield, 65804-2304 417-887-2717
Carey Heitman State Farm 642 Missouri Ave, Saint Robert, 65584-4684 573-336-3990
Karen Tramm Farmers 221 E Sunshine St Ste J, Springfield, 65807 (417) 812-5636
Chuck Fugate State Farm 5349 N 22nd Street, Ozark, 65721-6695 417-582-1300
Apple Agency None 105 S Commercial St, Seymour, 65746 None
Auto Insurance Express None 2248 S Campbell Ave, Springfield, 65807 None
Allied Insurance Agency None 1722 S Glenstone, Ste Ii, Springfield, 65804 None
Paul Banister Allstate 3250 E Battlefield St Ste Q, Springfield, 65804 (417) 882-3627
Robert Bobby Hendrickson Farmers 3433f S Campbell Ave, Springfield, 65807 (417) 883-9066

Hartville, MO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$61 $1,441
Driver's Failure In Showing Documents +$134 $1,514
Driving With An Expired Registration +$142 $1,522
Driving At A Considerably Slow Pace +$299 $1,679
Using A Cellphone While Driving +$316 $1,696
Running A Red Light +$322 $1,702
Speeding +$338 $1,718
Driving A Vehicle Without The Required Permission +$429 $1,809
Driving With An Expired/Suspended License +$930 $2,310

Hartville, MO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,325
Active Disabling Device $1,325
Tracking Device $1,297
Passive Disabling Device $1,283