Cheap Car Insurance in Missouri: Car insurance is a must-have for drivers in Missouri, but it doesn’t mean you have to break the bank to get it. Whether you’re a first-time driver or a long-time Missouri resident, finding affordable coverage is easier than you think. This article will walk you through everything you need to know about cheap car insurance in Missouri, from the state’s minimum insurance requirements to tips on saving money and getting free quotes.
Understanding Car Insurance Requirements in Missouri
Before diving into how to find cheap car insurance, it’s essential to understand what Missouri law requires. Every driver in the state must carry minimum liability coverage to operate a vehicle legally. These minimums include:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
While these minimums are necessary, keep in mind they may not provide enough coverage in a serious accident. That’s why many drivers opt for higher limits or additional coverage, like comprehensive and collision, to better protect themselves.
Factors that Affect Car Insurance Rates in Missouri
The price you pay for car insurance can vary significantly depending on several factors. Here are the primary elements that influence your rate in Missouri:
- Age and driving experience: Younger drivers and those with less experience tend to pay higher premiums.
- Location within Missouri: Living in urban areas like St. Louis or Kansas City may lead to higher rates compared to rural locations.
- Vehicle type and use: Driving a luxury car or using your car for business purposes can increase your rates.
- Driving record: A history of accidents or violations will usually result in higher premiums.
- Credit score: Insurers often use your credit score to assess risk, and a lower score can lead to higher rates.
Cheap full coverage in Missouri
Full coverage in costs $1611 for Missouri drivers. 55% of The Zebra’s Missouri customers get quotes for a full coverage policy.
While this is a lot higher than liability-only coverage, Missourians looking for the peace of mind that full coverage can bring should start their search with a company such as Travelers, USAA or GEICO.Cheapest auto insurance companies in Missouri
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $624 | $104 |
| USAA | $671 | $112 |
| GEICO | $1,024 | $171 |
| Shelter | $1,031 | $172 |
| Progressive | $1,128 | $188 |
| State Farm | $1,350 | $225 |
| Nationwide | $1,513 | $252 |
| Allstate | $1,649 | $275 |
Cheap Liability Insurance in Missouri
Liability insurance costs an average of $498 for a 6-month policy, significantly cheaper than the average full coverage policy.
The Zebra’s average driver profile found that USAA was the cheapest liability insurance company in Missouri. For those who are not eligible for USAA, Travelers and Progress could be great, affordable options as well.
Liability insurance quotes in MO
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $183 | $30 |
| Travelers | $235 | $39 |
| Progressive | $262 | $44 |
| GEICO | $299 | $50 |
| Shelter | $377 | $63 |
| State Farm | $414 | $69 |
| Allstate | $537 | $90 |
| Nationwide | $603 | $101 |
Cheap auto insurance for young drivers in Missouri
Finding affordable car insurance is a challenge for young drivers in Missouri. Teens in Missouri face six-month premiums of $5,326 — that’s well above the national average and more than three times the cost for a 30-year-old driver in the state.
Cheap auto insurance for young drivers in Missouri
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,542 | $257 |
| USAA | $1,938 | $323 |
| Shelter | $2,046 | $341 |
| GEICO | $2,663 | $444 |
| Progressive | $4,048 | $675 |
| Allstate | $4,120 | $687 |
| State Farm | $4,365 | $727 |
| Nationwide | $4,614 | $769 |
Tip: Ways to save on car insurance for young drivers
- Stay on a parent’s policy: Being added to a parent’s insurance policy is almost always more affordable than getting your own separate coverage.
- Good student discounts: Numerous insurers provide discounts to students who maintain a “B” average or are enrolled in school away from home.
- Opt for a budget-friendly, safe vehicle: Insuring high-performance sports cars and luxury vehicles is typically more expensive, especially for younger drivers.
What are the best car insurance companies in Missouri?
The Zebra conducted an expert analysis to find the “best” car insurance companies in Missouri. We used customer satisfaction ratings, average cost, coverage options, and the availability of additional benefits to provide these scores.
Overall best car insurance company in Missouri — Shelter Insurance
The Zebra considers Shelter the best car insurance company for most people in Missouri due to its strong customer satisfaction and claims handling. While it may not always be the cheapest option, Shelter consistently receives high ratings for customer service and claims satisfaction. This is supported by J.D. Power’s 2023 regional study, where Shelter outscored all competitors in customer satisfaction, making the slightly higher cost worth it for the peace of mind and reliable service.
Pros
Cons
- May be expensive for younger drivers or those with at-fault accidents
- Rates are climbing in recent years
- Mobile apps and online services receive mixed reviews
Best car insurance in Missouri — honorable mentions
Shelter is a great carrier, but it isn’t the sole reputable option for Missouri drivers. Here are a few other top-rated companies based on J.D. Power’s study and The Zebra’s survey of 2,722 drivers.
Best car insurance companies in Missouri
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $671 | $112 |
| American Family | $845 | $141 |
| GEICO | $1,024 | $171 |
| State Farm | $1,350 | $225 |
Missouri auto insurance quotes after an accident or ticket
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $915 per year.
Below is an idea of how much insurance companies in Missouri will charge you after an at-fault accident.
Auto insurance rates for drivers with at-fault accidents in Missouri
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $759 | $126 |
| USAA | $892 | $149 |
| Shelter | $1,285 | $214 |
| Progressive | $1,503 | $251 |
| State Farm | $1,596 | $266 |
| GEICO | $1,630 | $272 |
| Nationwide | $2,236 | $373 |
| Allstate | $2,427 | $405 |
Tip: Don’t forget about claims satisfaction
While it’s ideal to never use your insurance, having a hassle-free claims process is essential when needed. According to our Customer Satisfaction Survey, Auto-Owners Insurance stood out as a preferred option among claimants. If you’re a Missouri resident, Auto-Owners is certainly worth considering.
In Missouri, a poor driving record will lead to significantly higher insurance rates. If you get a ticket or citation, expect your auto insurance premiums to increase. The amount of the increase depends on the violation, your insurer’s pricing policies, and the local insurance regulations and risks. Consequently, tickets can affect insurance rates in Missouri differently than the national average.
Missouri auto insurance quotes by violation
| Accident/Violation | Avg. Annual Premium | $ Rate Increase |
|---|---|---|
| None | $3,222 | $0 |
| One Med/PIP claim | $3,222 | $0 |
| Not-at-fault accident | $3,325 | $102 |
| Two Med/PIP claims | $3,345 | $123 |
| One comp claim | $3,345 | $123 |
| Two comp claims | $3,561 | $338 |
| Failure to wear a seat belt | $3,659 | $436 |
| Failure to show documents | $3,673 | $451 |
| Child safety restraint | $3,733 | $510 |
| Driving without lights | $3,733 | $510 |
| Driving with expired registration | $3,761 | $538 |
| Following too closely | $3,778 | $556 |
| Speeding in school zone | $3,779 | $556 |
| Driving too slowly | $3,779 | $556 |
| Cell phone violation | $3,784 | $561 |
| Speeding 6 – 10 MPH over limit | $3,788 | $565 |
| Speeding 11 – 15 MPH over limit | $3,789 | $566 |
| Speeding 16 – 20 MPH over limit | $3,789 | $566 |
| Texting while driving | $3,789 | $567 |
| Failure to yield | $3,797 | $574 |
| Wrong way/wrong lane | $3,804 | $582 |
| Illegal turn | $3,807 | $584 |
| Failure to stop at a red light | $3,812 | $590 |
| Improper passing | $3,813 | $591 |
| Speeding 21 – 25 MPH over limit | $3,819 | $597 |
| In 65 MPH zone | $3,845 | $623 |
| Passing school bus | $3,914 | $692 |
| Open container | $4,027 | $804 |
| Operating a vehicle without permission | $4,129 | $906 |
| At-fault accident – less than $1000 | $4,465 | $1,243 |
| At-fault accident – $1000-$2000 | $4,710 | $1,488 |
| At-fault accident – greater than $2000 | $4,711 | $1,489 |
| Refusal to submit to a chemical test | $4,776 | $1,554 |
| DUI | $4,862 | $1,640 |
| Driving with a suspended license | $4,969 | $1,747 |
| Racing | $5,086 | $1,863 |
| Leaving scene of an accident/hit and run | $5,161 | $1,939 |
| Reckless driving | $5,225 | $2,002 |
Car insurance in popular Missouri Cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Taos, Missouri, and the most expensive in Pine Lawn, Missouri.
Have a look at the table below to see average car insurance costs in some of Missouri’s biggest cities.
Auto insurance quotes in Missouri’s biggest cities
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| St. Louis | $2,091 | $349 |
| Kansas City | $1,804 | $301 |
| Independence | $1,690 | $282 |
| Springfield | $1,496 | $249 |
| Columbia | $1,480 | $247 |
How have car insurance costs in Missouri changed?
In Missouri, average annual auto insurance costs increased by just $42 in the past year. A typical Missouri driver pays an average of $1611 per year.
The recent pricing trend in Missouri leans toward lower car insurance costs than the national average. The steepest decrease occurred from 2015 to 2016, while recent years have seen surges taking place post-pandemic. At the same time, car insurance rates across the United States have continued to increase due to inflation and increased numbers of claims.
Car insurance costs in Missouri since 2015
| Year | Avg. Annual Premium — Missouri | Yearly Change — Missouri |
|---|---|---|
| 2024 | $2,100 | $42 |
| 2023 | $2,058 | $141 |
| 2022 | $1,917 | $219 |
| 2021 | $1,698 | $11 |
| 2020 | $1,687 | -$42 |
| 2019 | $1,729 | $150 |
| 2018 | $1,579 | -$217 |
| 2017 | $1,796 | $234 |
| 2016 | $1,562 | -$323 |
| 2015 | $1,885 | $216 |
How to Find Cheap Car Insurance in Missouri
Finding cheap car insurance doesn’t have to be difficult. Here are a few tips to help you get started:
- Shop around for quotes: Don’t settle for the first insurance offer you receive. Compare rates from multiple providers.
- Use online tools: Many websites allow you to enter your information and instantly get quotes from various insurers.
- Bundle your insurance policies: Many companies offer discounts if you purchase multiple types of insurance (like home and auto) from them.
- Ask about discounts: Don’t be afraid to inquire about any potential discounts you may be eligible for, such as safe driver discounts or low-mileage discounts.
Best Companies for Cheap Car Insurance in Missouri
While many companies offer car insurance in Missouri, a few stand out for providing affordable rates and great customer service. Some of the best options include:
- State Farm: Known for its competitive rates and wide range of discounts.
- GEICO: Popular for its low premiums and easy-to-use online tools.
- Progressive: Offers customizable policies and discounts, especially for drivers with good records.
- USAA: If you’re in the military or have family who served, USAA is renowned for its excellent coverage and customer service.
Missouri Auto Insurance Discounts to Take Advantage Of
Many insurers offer discounts that can lower your premiums. These might include:
- Good driver discounts: If you have a clean driving record, you could save significantly.
- Multi-car discounts: Insuring more than one vehicle under the same policy often leads to discounts.
- Student discounts: If you’re a student with good grades, many companies offer reduced rates.
- Defensive driving courses: Completing an approved driving course can sometimes reduce your insurance costs.
How to Lower Your Car Insurance Premium in Missouri
If your rates are too high, don’t worry—there are ways to bring them down:
- Adjust your coverage: Lowering optional coverage like comprehensive or collision can reduce your premiums.
- Increase your deductibles: Opting for a higher deductible means you’ll pay more out of pocket if an accident happens, but it lowers your monthly premium.
- Safe driving habits: Many insurers offer discounts or incentives for drivers who maintain a clean driving record over time.
- Usage-based insurance: Some companies offer programs where your premium is based on how much and how safely you drive.
Understanding Different Types of Coverage
While liability insurance is the minimum required, it’s important to understand the different types of coverage available:
- Liability insurance: Covers damages or injuries you cause to others in an accident.
- Comprehensive and collision coverage: Helps pay for damage to your car, whether from an accident, weather, or vandalism.
- Uninsured/underinsured motorist coverage: Protects you if you’re hit by a driver without adequate insurance.
- Personal Injury Protection (PIP): Helps cover medical bills and lost wages if you’re injured in an accident.
High-Risk Drivers and SR-22 Insurance in Missouri
If you’re classified as a high-risk driver (due to violations or accidents), you may need SR-22 insurance in Missouri. This isn’t a type of insurance but a certificate your insurer files with the state to prove you have the required coverage. SR-22 insurance can be more expensive, but it’s necessary to keep your driving privileges.
Cheap Car Insurance for Young and New Drivers
Young and new drivers often face higher insurance rates due to their lack of experience. However, there are ways to reduce those costs:
- Take a defensive driving course: Many insurers offer discounts to new drivers who complete certified driving courses.
- Good student discounts: High school or college students with good grades can often get lower rates.
- Add to a family policy: Sometimes, young drivers can save by being added to a parent’s policy rather than getting their own.
Cheap Car Insurance for Senior Drivers in Missouri
As drivers age, their insurance needs change. Luckily, senior drivers in Missouri can take advantage of discounts such as:
- Low mileage discounts: If you’re driving less in retirement, let your insurer know and ask about potential savings.
- Safe driving courses: Some insurers offer reduced rates to seniors who complete refresher courses.
- Retirement status discounts: Some companies offer special rates for retirees who no longer commute.
The Importance of Comparing Car Insurance Quotes
It’s crucial to compare insurance quotes regularly, even if you’re happy with your current policy. Insurance rates can fluctuate based on changes in your driving record, credit score, or vehicle usage. By shopping around every year or so, you could find cheaper options or new discounts.
Online vs. Local Agents: Where to Get the Best Deals
You might be wondering whether it’s better to use online tools or work with a local agent. Both options have their advantages:
- Online tools: These are convenient, quick, and allow you to compare multiple quotes in minutes.
- Local agents: They can provide personalized service, answer specific questions, and help you navigate complicated policies.
Steps to Get a Free Car Insurance Quote in Missouri
Getting a free quote in Missouri is easy. You’ll need to provide information such as:
- Personal details (age, address, driving history)
- Information about your vehicle (make, model, year)
- Your desired coverage levels
Once you’ve gathered this information, you can use online quote tools or contact local insurers to get an accurate, free quote.
FAQs about Car Insurance in Missouri
1. What is the minimum car insurance required in Missouri?
In Missouri, drivers are required to carry minimum liability insurance coverage of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $25,000 per accident for property damage.
2. Are Missouri drivers required to have uninsured motorist coverage?
Yes, Missouri law requires drivers to have uninsured motorist coverage. This must include a minimum of $25,000 per person and $50,000 per accident for bodily injury.
3. What factors affect car insurance rates in Missouri?
Several factors can affect your car insurance rates in Missouri, including your driving record, age, the type of vehicle you drive, your credit history, and even your geographic location within the state.
4. Can my car insurance rates increase after an accident in Missouri?
Yes, it is possible for your car insurance rates to increase after an accident, especially if you are found at fault. However, some insurers offer accident forgiveness policies which might prevent your premiums from rising after your first accident.
5. How can I save on car insurance in Missouri?
You can save on car insurance by comparing quotes from different insurers, maintaining a clean driving record, qualifying for discounts (like multi-car, good driver, or student discounts), and increasing your deductibles.
6. What should I do if my car insurance claim is denied in Missouri?
If your car insurance claim is denied, you should first review the denial letter to understand the reason. You can then contact your insurance agent to discuss the details and possibly appeal the decision. If necessary, consulting with a legal advisor can also provide guidance on further steps.
Conclusion
In summary, securing car insurance in Missouri is not just a legal necessity but a critical component of financial protection for drivers. As we’ve explored, Missouri offers a range of insurance options tailored to meet diverse needs and budgets. Understanding the nuances of coverage, from liability to comprehensive plans, empowers drivers to make informed decisions.
The importance of obtaining a free quote cannot be overstated. A quote provides a personalized snapshot of what you can expect to pay based on your specific circumstances without any commitment. By comparing quotes, you can identify the most cost-effective policy that doesn’t compromise on coverage.
Therefore, we encourage all Missouri drivers to take advantage of free quotes today to ensure they receive the best possible deal tailored to their unique needs. This proactive approach not only saves money but also secures peace of mind on the road.
References
For more in-depth information and further validation of the insights shared in our guide to Car Insurance in Missouri, consider exploring these reputable sources:
- Missouri Department of Insurance – Stay updated with the latest regulations and consumer protection measures in the insurance sector directly from the state’s official department. Visit the Missouri Department of Insurance.
- Insurance Information Institute (III) – A comprehensive resource offering detailed insights on insurance coverage options, safety advice, and consumer reports. Explore the III’s extensive resources.
- National Association of Insurance Commissioners (NAIC) – Access consumer guides, insurance company reports, and compare industry standards across states. Check out the NAIC website.
- Consumer Reports – Find unbiased reviews and ratings for insurance providers in Missouri to make informed decisions based on reliability and customer satisfaction. Read Consumer Reports.
These resources can provide you with a deeper understanding and help you navigate the complexities of car insurance in Missouri.
