Auto Insurance in Missouri: Auto Insurance Rates & Comparison

Auto Insurance in Missouri is required by law and provides financial protection against losses resulting from owning and operating a vehicle. Insurance rates vary but usually consist of several factors: Location, Vehicle, Driving History and Age. Car Insurance Requirements: Federal and state laws require drivers always to maintain certain vehicle insurance coverage.

Auto Insurance in Missouri

Car insurance protects the driver, passengers and other people from losses incurred from owning and operating a vehicle. Many states require drivers to carry certain minimum liability insurance on their vehicles. In some cases, those who do not have car insurance coverage can face penalties. Those driving without insurance in Missouri may be subject to fines and other punishments.

Cheapest Car Insurance in Missouri

Drivers in Missouri have lots of options for auto insurance. Several factors can affect rates, including where drivers live and park their cars, how often they drive them, the type of car they own/lease, their driving history and age.

  • The following are the cheapest car insurance companies based on our research:
    • Country Insurance
    • Shelter
    • QBE
    • Western Surety
  • The following are the most expensive car insurance companies based on our research:
    • GEICO
    • Progressive
    • State Farm

Cheap Full Coverage in Missouri

Full coverage car insurance provides maximum protection and is often required if a driver leases or loans their vehicle. You must maintain full coverage even if you don’t drive your car often. Otherwise, you could be liable for damages if involved in an accident and without sufficient insurance. The following are the cheapest car insurance companies based on our research:

  • Shelter
  • QBE
  • Country Insurance
  • Western Surety

The following are the most expensive car insurance companies based on our research:

  • Progressive
  • State Farm
  • GEICO

Best Car Insurance Companies 

The following are the companies that drivers may want to consider when searching for the best auto insurance rates:

  • Shelter – The company offers coverage options, including guaranteed acceptance and 24/7 claims service.
  • QBE – Focused on providing comprehensive coverage at affordable rates.
  • Country Insurance – Offers a variety of policies to choose from and covers most drivers who lead busy lifestyles and drive frequently.
  • Western Surety – Provides flexible auto insurance plans and discounts for having multiple policies, such as home and life insurance.

Compare Missouri Quotes Online

Drivers can reduce their rates by shopping around and comparing auto insurance quotes from several companies online. There are dozens of different providers available, so it’s a good idea to compare as many as possible before making a final decision. The following are the top four most common car insurance providers in Missouri:

  • GEICO – One of the biggest providers of car insurance in the nation. Offers great discounts on policies for bundled home and auto coverage.
  • State Farm – Offers competitive rates on general liability, collision, comprehensive and personal injury protection plans.
  • Progressive – Uses a straightforward rate structure that provides cheaper premiums to young drivers with good driving records.
  • Country Insurance – Provides affordable liability, collision and comprehensive coverage.

Average Cost of Car Insurance

The cost of car insurance depends on several key factors, including the type of vehicle owners drive and their driving history. Some other considerations are where they park their cars (urban vs rural) and how far they commute to work every day. For example, drivers in more populated areas will likely pay more for their insurance premiums than those in rural areas. According to the Missouri Department of Insurance, the average annual cost of auto insurance is $898.80, which breaks down as follows:

  • Liability coverage – $730.50
  • Collision coverage – $372.60
  • Comprehensive coverage – $75.30

Drivers With a DUI in Missouri

Drivers with a DUI/DWI on their records typically pay much higher rates than those with clean driving histories and should expect their premiums to increase by at least 30 per cent every year. This is because they’re considered high-risk drivers and will likely file more claims as a result.

Drivers With Tickets in Missouri

The number of offences per driver is also considered when setting rates, so drivers with traffic citations on their record may notice their premium increase by 5-10 per cent within the first year of purchase. Auto insurance companies often group these types of traffic infractions into three categories:

  • Minor offences – Speeding tickets
  • Major offences – Driving under the influence
  • Serious offences – Hit-and-run or vehicular manslaughter

Drivers With Bad Credit in Missouri

A low credit score could also result in higher rates for drivers, so checking their credit reports before starting an application is important. If you discover inaccurate information on your credit report, contact the credit reporting agency directly and request they fix the problem.

Seniors in Missouri

Many companies also have discounts for senior citizens who are retired or close to retirement age. These individuals usually have more experience behind the wheel and fewer years ahead of them that require coverage, so insurance providers often reward their loyalty by offering lower rates.

Military Drivers in Missouri

Finally, drivers who are currently enlisted in the military may also be eligible for a discount on their premiums if they have a good driving record. In some cases, their car insurance costs will drop significantly compared to civilians.

Car Insurance in Missouri

The average cost of car insurance in Missouri is $898.80 for six months. However, costs can increase if drivers have a poor driving record or are considered high-risk individuals due to factors such as age, gender and driving history. To get the best rate on your policy, be sure to compare quotes from different companies online at least once a year.

Conclusion

If you are in Missouri, we can help you find the cheapest car insurance for your needs. We have compiled the best quotes from all of our partners to make an easy comparison tool that will give you a quote with just one click! Have any questions about how to use this site? Contact us and let’s get started today!

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