Lebanon, MO Car Insurance

Drivers in Lebanon pay around $69 a month for their car insurance. We cover plan rates, policies and more in our guide below.
What should residents of Lebanon expect to pay for their car insurance? How do rates in Lebanon measure up compared to neighboring areas, including Missouri as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Lebanon?

Area Average Monthly Car Insurance Premium
Lebanon$69
MO$76
United States$81

Based on the above chart, auto insurance policies in Lebanon are about $7 a month cheaper than in the rest of Missouri.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Lebanon is rather affordable. You can expect to pay about $12 less for your policy in Lebanon than in the rest of U.S.

Although these are the average monthly costs for an auto insurance policy in Lebanon, that doesn't mean it's exactly what you'll pay. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down the average rate for Lebanon residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$298
18-24$107
25-34$59
35-44$48
45-54$48
55-64$50
65+$35

Generally, the older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates begin to increase again once you hit retirement in Lebanon.

Average Car Insurance Rates by Gender

Gender Average
Male$59
Female$74

Although women typically pay less than men do to insure their car, this is not the case in Lebanon, where female drivers pay around $74 per month while male drivers pay about $59.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$120
Multiple Accidents$103
1 Ticket$71
Multiple Tickets$118

Rates can change drastically depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. Drivers in Lebanon with a single accident will pay around $120 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $71.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 YearNot Enough Data
2-3 YearsNot Enough Data
4-5 YearsNot Enough Data
6-7 Years$65
8-10 Years$65
11-14 Years$54
15 Years or Older$82

According to the first table above, the cheapest vehicles to insure in Lebanon are by and large trucks and vans, at $53 per month.

Car owners will see a monthly premium of about $68, while SUV owners usually pay around $83 a month.

You may also see different rates based on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Lebanon, vehicles fifteen years and older and six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$74
Married$45
Divorced$60
Widowed$73

Overall, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies extend special discounts for.

According to the table above, the difference in rates based on relationship status in Lebanon can be as much as $29 a month, so it's worth taking into consideration.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$72
Live with parents$78

Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $25 a month more than if you own your own home in Lebanon. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Lebanon, MO

Recent trends in car insurance for Lebanon drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Auto insurance rates in Lebanon increased from 2017-2018, before leveling out in 2019. They finished up in 2022, at $63 per month

How does Lebanon compare to neighboring areas?

Why are car insurance rates in Lebanon different from other areas?

There are a lot of factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:

  • Off-street parking access
  • Road safety
  • Local regulations
  • Prevalence of crime
  • Number of drivers in the community

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Lebanon?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Luckily, Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Lebanon.

Compare the cheapest quotes from dozens of insurance companies

Lebanon Insurance FAQs

What factors affect car insurance quotes in Lebanon?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Lebanon different from other neighboring cities?

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Lebanon?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Lebanon?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Lebanon or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes