Lebanon, MO Car Insurance

Residents of Lebanon pay, on average, about $70 per month for car insurance. To learn more about policy rates and coverage in the Lebanon area, continue reading our guide below.
What rates 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? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Lebanon?

Area Average Monthly Car Insurance Premium
Lebanon$70
MO$77
United States$80

The cost of coverage in Lebanon is about $7 a month cheaper than it is for the rest of Missouri.

Compared to the national average cost of auto insurance coverage, Lebanon has lower rates. The average monthly payment for the United States as a whole is about $10 more expensive than in Lebanon.

These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

We've analyzed the average rate for Lebanon and broken down the different factors to help you understand what your monthly bill might look like. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$298
18-24$107
25-34$50
35-44$50
45-54Not Enough Data
55-64$52
65+$35

It makes sense that the older you are, the more experience you have driving, right? That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.

For every 10 years, you can expect to see a decrease in your monthly premium. Lebanon drivers may see their rates creep back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$55
Female$77

Although women typically pay less than men do for auto insurance, this is not the case in Lebanon, where female drivers pay around $22 more per month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$120
Multiple Accidents$64
1 Ticket$89
Multiple Tickets$201

Depending on your driving record, your rates can vary quite a lot. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Lebanon with a single accident will pay around $120 a month. In addition, drivers with one ticket can expect to pay around $89 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

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$58
11-14 Years$54
15 Years or Older$81

The most affordable vehicles to insure in Lebanon are usually trucks and vans, which run about $58 per month.

Car owners will see a monthly bill of about $65, while SUV owners typically pay around $90 a month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few 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)$75
Married$41
Divorced$60
Widowed$73

Overall, married policyholders will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Lebanon, with married couples paying about $34 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$42
Rent$74
Live with parents$78

Another factor taken into consideration is your housing situation. In Lebanon, homeowners can expect to pay around $32 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Lebanon, MO

Recent trends in car insurance for Lebanon drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.

Auto insurance rates in Lebanon increased from 2016-2018, before steadying out in 2019. They finished down in 2021, at $42 per month

How does Lebanon compare to neighboring areas?

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

Car insurance companies take in several factors when deciding how much individual insurance policies will cost. Many factors affecting your policy are based around your home address. These factors include things like:

  • Amount of drivers
  • Laws
  • Off-street parking availability
  • Number of car accidents
  • Regional crime rates

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge 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?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Lebanon.

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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 you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.

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

Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Lebanon or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes