On average, State Farm provides the most low-cost car insurance policy in Missouri. But car insurance rates change because of factors, like coverage sum, driving history, age and credit score. As an exemplar, Allstate is the cheapest company for seniors and people looking to buy a full coverage car policy in Missouri. If you ’ re a veteran or in a military family, USAA may be the cheapest car policy choice for you .iconribbon cheap car policy

missouri 2022

The Cheapest Car Insurance in Missouri

Cheapest Minimum Liability Car Insurance in Missouri

The most low-cost car indemnity in Missouri is a minimum liability coverage policy. This coverage meets the minimal requirements of the state. The cheapest car insurance providers in Missouri for minimal coverage are :

  • State Farm: $438 per year
  • Allstate: $569 per year

If you or a family extremity are in the military, USAA ‘s $ 190 average annual pace is by army for the liberation of rwanda the most low-cost option. MetLife is the most expensive company for minimal coverage in Missouri, costing an average of $ 980 per year .

Cheapest Minimum Car Insurance in Missouri

These prices are alone estimates based on rates for an average Missouri driver and should not be used to compare policy prices .Insurance Rates

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Cheapest Full Coverage Car Insurance in Missouri

While full coverage indemnity in Missouri costs more than a liability-only policy, it provides add security and higher limits. A full coverage policy consists of comprehensive and collision policy that protects drivers from road accidents and off-road incidents. Full coverage prices vary significantly between Missouri insurers. By comparing quotes from different car insurance companies, you can find the best rates. The cheapest options for full coverage car policy in Missouri are :

  • Allstate: $893 per year
  • State Farm: $906 per year

For military personnel and their families, USAA has the lowest prices, averaging $ 485 per year for full coverage. Progressive has the highest rates for a full coverage policy, with an average cost of $ 1,652 per class .

Cheapest Full Coverage Car Insurance in Missouri

Your car insurance costs may differ from these figures based on factors like your credit score, history of violations, senesce and more. The full-coverage policy averages shown are for comprehensive examination and collision insurance with $ 100,000 bodily injury liability coverage per person, $ 300,000 bodily injury liability coverage per accident and $ 100,000 property damage coverage per accident.

How to Compare Cheap Missouri Car Insurance Quotes Online

Most insurers in Missouri have a section on their web site where customers can request reasonably accurate quotes. Make indisputable to determine your specific needs before you start shopping .

  • Use the same coverage levels as you compare rates. For instance, if you want a comprehensive and collision policy with a $1,000 deductible, specifying this to all providers makes it easier for you to compare rates.
  • MoneyGeek can help you get a quote estimate through its car insurance calculator — without providing personal information. You only need to provide specific details if you want a personalized quote. You may also use MoneyGeek’s data to choose which companies you want to contact for a quote.
  • Based on MoneyGeek’s study, the cheapest companies in Missouri are State Farm and Allstate. You can start by getting a quote from these companies.

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Average Annual Auto Insurance Rates

Click the section of the roulette wheel in your price crop to see options. low goal on average high end Click your choose monetary value range to see company options. Click an insurance company below to visit their inspection foliate or continue to your individualized quote. ship’s company average annual Rates 1 .USAA $ 182 2 .State Farm $ 418

Cheapest Car Insurance for Drivers With a DUI in Missouri

Drivers in Missouri with a serious traffic misdemeanor like a DUI pay more for cable car insurance. The average cost of car insurance for residents with a DUI is $ 1,852 per year. Drivers without a DUI pay $ 1,305. indemnity companies offering the lowest rates for drivers in Missouri with a DUI are :

  • State Farm: $980 per year
  • American Family: $1,068 per year

If you or a class extremity have military affiliations, USAA offers the lowest price point, averaging $ 807 annually for Missouri drivers with a DUI .

Average Car Insurance Rates With a DUI

From 2009-2018, 2,506 people died in alcohol-related cable car crashes in Missouri. 2.2 % of Missouri drivers report driving after consuming excessively a lot alcohol in the last 30 days. < .p > Getting a DUI can cause serious legal consequences and greatly impacts the monetary value of car indemnity. In Missouri, it ’ s possible to get a DUI without driving if the driver has physical command of the vehicle. A first-time offense could land a driver in imprison for up to six months, while repeat offenders could see up to four years of imprison time. The above table are estimates of what drivers in Missouri can expect to pay in car policy if they receive a DUI. specific figures vary, so drivers are encouraged to contact the insurance companies directly for an personalize quote. You ’ ll still be able to get brassy car insurance with a DUI in Missouri by shopping about for the best rate. Taking DUI prevention steps and maintaining a good driving record can besides help you lower your pace after getting a DUI.

Cheapest Car Insurance in Missouri for Drivers With an At-Fault Accident

An at-fault accident on your record can have a significant consequence on your cable car insurance pace. MoneyGeek ’ sulfur analysis shows that drivers in Missouri with an at-fault accident pay an modal of $ 1,759 annually for a car insurance policy. The cheapest companies for drivers in Missouri with an at-fault accident are :

  • State Farm: $1,055 on average per year
  • Allstate: $1,066 on average per year

For veterans and military families, USAA offers the most low-cost car insurance policies after an accident in Missouri at an modal monetary value of $ 649 annually .

Cheapest Car Insurance With an At-Fault Accident

A moving trespass, like a speeding slate or distracted driving ticket, can cause your insurance rates to rise. Most missouri drivers know they ’ re not supposed to drive while texting or eating, but distracted drive still takes place every day. According to the National Highway Traffic Safety Administration, there were 848 crashes in Missouri caused by distract driving in 2018. The above mesa features estimates regarding what drivers who receive a slate for distracted drive or accelerate can expect to pay for car indemnity in Missouri. The amount a moving trespass affects your car policy rates depends on your policy supplier in addition to several other factors. In Missouri, distracted repel that causes an accident could increase your indemnity rates by over 50 % for three years or longer. missouri

Cheapest Car Insurance Companies in Missouri for Drivers With Bad Credit

Poor credit scores cause a transfix in car indemnity costs in Missouri. The average cost for drivers with a good score in Missouri is $ 1,305, while drivers with poor people credit scores pay an average of $ 2,370. car indemnity providers that offer the best fully coverage rates for drivers with poor accredit scores are :

  • Allied: $1,354 per year
  • Allstate: $1,459 per year

For current and former military members ( and their families ), USAA offers the lowest rates for Missouri drivers with bad citation, averaging $ 837 annually .

Average Car Insurance Rates for Drivers With Bad Credit

insurance companies use your credit report to give you an indemnity score that helps determine how probable you are to make a claim. In general, drivers with lower recognition scores file more indemnity claims. The average credit rating grudge in Missouri is 701, but drivers with lower scores could see higher indemnity rates. fortunately, there are still plenty of brassy options with top-rated car indemnity companies in Missouri, flush if you ’ re in the process of increasing your credit mark. The follow estimates are what drivers in Missouri can expect to pay if they have hapless credit scores. There ’ s no way to tell how your credit score will affect your insurance rates. Each indemnity carrier wave uses a different score system to determine your hazard grade. Your best bet is to ask for quotes from multiple companies so you can weigh your options for the best price.

Cheapest Car Insurance in Missouri for Seniors

Young adults and middle-aged drivers pay lower premiums than senior drivers in Missouri. On average, aged drivers pay $ 1,355 per year while younger drivers in the state pay $ 1,305. The cheapest car insurance companies in Missouri for senior drivers are :

  • Allstate: $856 per year
  • State Farm: $873 per year

For people with military affiliations, the lowest price point for Missouri seniors is USAA, averaging $ 510 per year .

Average Car Insurance Rates for Seniors

As you old age, it can become hard to see and your reaction time could potentially slow down. This change can reduce your ability to drive safely. In 2017, 13.3 % of fatal crashes in Missouri involved a driver over the long time of 65. To help prevent devastating crashes, Missouri requires drivers 70 and older to take a road sign recognition test and a vision test every three years. Maintaining unconstipated drive tests could besides help you find cheap cable car indemnity for seniors in Missouri. The above board estimates are what seniors can expect to pay for their car indemnity in Missouri. car policy rates for seniors in Missouri tend to be higher because many seniors have slower reflexes and less dependable eyesight. Shopping around with different companies and following condom drive practices is the best manner to help you maintain your driving independence and cheap indemnity.

Cheapest Car Insurance in Missouri for Young Drivers

young drivers are less experienced than seniors, so insurance companies consider them high risk and charge them expensive car insurance rates. In Missouri, a 16-year-old pays an average of $ 2,498 per year for car insurance. A 25-year-old pays an average of $ 1,305 per annum for a car insurance policy.

MoneyGeek found that Allstate is the cheapest cable car insurance company on average for drivers who are 16-25 years old .

Annual Car Insurance In Missouri for Young Drivers

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Most young drivers in Missouri are added to their parents ’ existing car insurance policy. Adding your child to your policy often helps save money, as finding cheap car indemnity for students and young drivers in Missouri can be unmanageable. Make indisputable to compare quotes from several insurers to find the best rate for you and your young driver.

Insurance Rate Information for Military Drivers and Veterans

Missouri has more than 15,000 active-duty military personnel and more than 479,000 veterans. Most major car policy companies, and those that cater entirely to military families, offer military discounts to these groups. Discounts are normally automatic pistol for qualifying individuals. policy companies will still look at factors like credit and driving history when setting a rate, so be certain to get quotes from multiple companies. The Missouri Department of Insurance besides offers tips on lowering your indemnity rates beyond a military deduction. The follow estimates reflect what active-duty personnel and veterans can expect to pay for car indemnity in Missouri .

Average Rates for Missouri service members

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Car Insurance in Missouri: What You Need to Know

To drive in Missouri, you must register your fomite with the Missouri Department of Revenue and dribble car indemnity. Missouri besides requires vehicles to pass a base hit inspection, except for vehicles under a certain historic period and mileage .

Proof of Insurance in Missouri

You must carry proof of car insurance when driving in Missouri. This can be a traditional policy wag or a digital translation on a smartphone or other mobile device. indemnity cards should include the driver ‘s name, policy policy number and vehicle ( s ) covered. According to the Missouri Department of Revenue, express residents are must show proof of insurance in the watch situations :

  • When registering or renewing a car
  • When asked by a law enforcement official
  • When applying for or renewing a driver’s license

Minimum Liability Insurance Requirements in Missouri

Missouri department of state law mandates that all fomite owners and drivers have car indebtedness policy coverage. The Missouri minimum car policy requirements are 25/50/25 coverage :

  • $25,000 for each injured person per accident
  • $50,000 per accident for bodily injury to two or more people
  • $25,000 per accident for property damage

In addition to liability insurance, drivers in Missouri must besides hold uninsured motorist coverage, with the minimum requirements as follows :

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident

Alternatives to Insurance in Missouri

You can drive without car indemnity in Missouri if you qualify for one of three costly alternatives : a security alliance, a very estate attachment or a cash/securities deposit. After filing the proper fiscal bonds or securities, you will receive a certificate to submit to the Department of Revenue in stead of an car liability indemnity policy. here are the details behind each option :

  • Surety Bond: You may submit a $75,000 surety bond and power of attorney form to the Missouri Department of Revenue.
  • Real Estate Bond: You must file a Justification of Sureties form to the circuit court judge in the county or city where the property is located. The form must show two or more property owners holding real estate with at least $150,000 in equity value.
  • Cash or Securities Deposit: You may deposit cash or negotiable securities to meet proof of financial responsibility if you file one of the following with the State Treasurer’s office: a cash deposit of at least $75,000, a Certificate of Deposit worth $75,000, stock or bonds certificates valued at $75,000 or other approved negotiable securities.

Whether you choose an indemnity policy or other proof of fiscal province, you must keep the policy in every vehicle you own or operate in the state .

How Much Coverage Do You Need in Missouri?

Motorists in Missouri are required to maintain a minimum level of liability policy. however, the minimal command sum may not be enough to cover the price of an accident, specially if the other driver is uninsured. indemnity consumer groups note, drivers should ideally carry ten or more times the minimal required indebtedness coverage. Adding collision or comprehensive examination coverage could be a well mind if your car is new or valuable.

Cheapest Car Insurance in Missouri by City

The car policy costs in Missouri change depending on where you live in the submit. MoneyGeek ’ second data shows that St. Louis is the most expensive city for a cable car policy policy ; it has an average annual premium of $ 1,490. Columbia has the cheapest cable car insurance policies in Missouri at an average cost of $ 1,037 per year. These averages are for a full coverage policy. Click your city to find out more information about cable car insurance rates .

Average Insurance Rate by City in Missouri

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  • City per annum monthly
  • 1 .Columbia $ 1,037 $ 86
  • 2 .Independence $ 1,240 $ 103
  • 3 .Kansas City $ 1,167 $ 97
  • 4 .Springfield $ 1,159 $ 97
  • 5 .St. Louis $ 1,490 $ 124

FAQs About Car Insurance in Missouri

price and coverage limits are the main topics discussed in car indemnity questions within Missouri. here are some of the common questions within the express .

The cheapest car insurance in Missouri comes from USAA but is only limit to military members. The second-cheapest provider is State Farm .

The modal price of car insurance in Missouri is $ 1,305 per year or $ 108 per calendar month .

Allstate and State Farm ranked as the best car indemnity companies in Missouri based on MoneyGeek ’ s research .

Since credit scores play a character in rates, improving your recognition score can help you lower car policy rates in Missouri.

Expert Advice on Finding Cheap Car Insurance in Missouri

To help you find credible and accurate information on car indemnity in Missouri, MoneyGeek gathered technical advice from rise professionals. The views and opinions expressed are those of the individual subscriber .

  1. How does the Missouri Department of Commerce and Insurance act as a resource for consumers in gaze to car insurance ? And home insurance ?
  2. What are the identify factors drivers in Missouri should look for when searching for the best car indemnity coverage ?
  3. What steps can drivers in Missouri take to find low-cost cable car insurance ?
  4. What resources does the Missouri Department of Commerce and Insurance have for consumers ?

Carrie CouchCarrie Couch Carrie Couch director of the Consumer Affairs Division for the Missouri Department of Commerce and InsuranceJames PhilpotJames Philpot James Philpot Associate Professor & Director of the Financial Planning Program at Missouri State UniversityRobert H. Jerry, IIRobert H. Jerry, II Robert H. Jerry, II Floyd R. Gibson Missouri Endowed Professor Emeritus of Law at The University of Missouri

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see you ‘re getting the best rate for your car policy. Compare quotes from the top indemnity companies. widget-location-pin About the authorexpert-profileexpert-profile Karon Warren is a professional diarist who has covered personal finance, health indemnity, home policy, car insurance, mortgages, bank and more for two decades. Karon earned her bachelor of arts degree in journalism from the University of Southern Mississippi. She is besides a member of the american Society of Journalists and Authors. Karon uses her diarist skills to create in-depth, well-researched finance stories that educate people so they can make inform fiscal decisions that best serve their fiscal goals.

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