You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the adept advice and tools needed to succeed throughout biography ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the reader. Our finish is to give you the best advice to help you make smart personal finance decisions. We follow stern guidelines to ensure that our editorial contentedness is not influenced by advertisers. Our editorial team receives no direct recompense from advertisers, and our capacity is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a revue, you can trust that you ’ re getting credible and reliable information. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in stead to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you ’ rhenium read is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a stern editorial policy, so you can trust that we ’ re putting your interests first. Our award-winning editors and reporters create honest and accurate message to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ rhenium putting accuracy first. Our policy team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — indeed you can feel confident about which supplier is right for you. Bankrate follows a hard-and-fast column policy, so you can trust that we ’ rhenium putting your interests first. All of our content is authored by highly qualified professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your confidence. Founded in 1976, Bankrate has a long lead criminal record of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making summons and giving people confidence in which actions to take adjacent. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. You have many options when shopping for car insurance in the Show-Me State. Missouri car indemnity rates are competitive due to the number of car insurance companies that operate in the state. Bankrate ’ s findings of the average monetary value of cable car policy in Missouri are $ 468 per year for minimum coverage and $ 1,661 for full cable car policy .
How much is car insurance in Missouri?
It is difficult to give an accurate price on Missouri car policy rates. many factors can affect pricing. however, providing average cable car policy rates in Missouri by sampling a boastfully number of state quotes could at least give you a approximate range estimate of how much you would pay for coverage. As note, average car indemnity rates in Missouri are $ 468/ $ 1,661. That is cheaper than the nation ’ s average price of insurance of $ 565/ $ 1,674. however, your rates may be higher or lower than the department of state median based on respective personal and demographic factors, such as your localization, age, the mailman you choose and your drive record.
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Missouri car insurance rates by company
The following table shows annual price by policy company. You will find that most of the cheapest cable car policy rates on average in Missouri come from smaller, regional carriers. The lowest rates are available through USAA, Columbia, Electric Insurance Company and Missouri Farm Bureau. USAA is the exception — it operates nationally but is only available to military members and their families. Getting quotes from more than one policy company could help you find lower rates if you find providers that offer you a lower monetary value. You may want to switch carriers if you can save a meaning amount of money on your premiums .
Missouri car insurance rates by city
Your ZIP code may besides affect how much you pay to insure your vehicle. See how your area compares in the table listing the exceed 20 largest cities in Missouri, based on population .
| City | Average annual premium for full coverage | % increase in average annual premium |
|---|---|---|
| Kansas City | $1,857 | 12% |
| St. Louis | $2,277 | 37% |
| Springfield | $1,573 | -5% |
| Columbia | $1,501 | -10% |
| Independence | $1,729 | 4% |
| St. Charles | $1,590 | -4% |
| Lee’s Summit | $1,603 | -4% |
| St. Peters | $1,579 | -5% |
| St. Joseph | $1,577 | -5% |
| O’Fallon | $1,572 | -5% |
| Florissant | $1,990 | 20% |
| Jefferson City | $1,433 | -14% |
| Joplin | $1,499 | -10% |
| Ballwin | $1,693 | 2% |
| Blue Springs | $1,608 | -3% |
| Cape Girardeau | $1,605 | -3% |
| Chesterfield | $1,700 | 2% |
| Fenton | $1,713 | 3% |
| Sedalia | $1,490 | -10% |
| Oakville | $1,824 | 10% |
Missouri car insurance rates by age
The inauspicious reality of being a youthful driver in the submit of Missouri means you may pay more for car indemnity than even person with a DUI or holocene accident. Most insurance companies see younger, inexperienced drivers as bad to insure. consequently, they will pass on the risk by charging more to insure you. adolescent drivers are hit the hardest, seeing premiums that may be double or more than a 30-year-old ’ sulfur. To save on coverage, consider adding your vehicle to a parental policy or taking advantage of discounts offered by carriers, such as adept student or defensive driver course completion discounts. *16 class old calculated on parent ’ south policy disclosure
Missouri car insurance rates by driving record
safe drivers benefit from the lowest policy rates in the department of state. It all comes depressed to risk — insurance companies tend to charge more to drivers who are at a higher risk for causing accidents and good injuries. While a previous accident or driving under the influence conviction are fair explanations for a jump in car insurance rates, a individual rush ticket can besides sharply raise your cable car policy premiums. That is because insurers see speeding as bad behavior that can lead to serious dealings accidents .
| Driving incident | Average annual full coverage premium in Missouri | % increase of average annual premium |
|---|---|---|
| Speeding ticket | $1,959 | 17.94% |
| Accident | $2,235 | 34.55% |
| DUI | $2,714 | 63.39% |
How to save on car insurance in Missouri
You may not be able to do much about your long time ( early than to take advantage of age-related discounts ) but you can save further on your car indemnity in a few unlike ways :
- Enroll in accident forgiveness: Some carriers offer to dismiss one accident or claim from your record every few years. Doing so could stop your car insurance rates from going up an average of 34.55%/
- Take a defensive driving course: Passing an approved online driving safety course can earn you a discount on your car insurance. Most courses can be completed over a few hours or a weekend and are relatively affordable, making them a worthwhile investment.
- Enroll in your insurance company’s telematics programs: More carriers are offering a program that discounts your car insurance premiums based on your driving habits. You typically need to download a mobile app that tracks your mileage and speed driven to determine how safely you drive. You may receive reductions on your car insurance based on good driving.
- Bundle coverage: If you need home or renters insurance as well, buying car and home coverage could earn you a nice discount on both.
Frequently asked questions
How much is car insurance in Missouri per month?
average cable car policy rates in Missouri are $ 468 for minimum and $ 1,661 for fully indemnity. Based on the annual averages, your monthly premiums may be between $ 39 and $ 138, depending on your level of coverage .
How much insurance do I need in Missouri?
The express requires all drivers to have at least 25/50/10 in liability and 25/50 in uninsured motorist policy. That amounts to :
- For bodily injury liability and uninsured motorist coverage: $25,000 per person and $50,000 per accident
- Property damage liability: $10,000 per accident
What company has the cheapest car insurance rates in Missouri?
Bankrate found that smaller, local carriers offer cheaper car indemnity in Missouri than the well-known national brands, but your rate will depend on personal characteristics. Get several quotes to have a better theme of which providers may offer lower rates to you .
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, well credit and the following full coverage limits :
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- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimal coverages that meet each state ’ s requirements. Our establish profile drivers own a 2019 Toyota Camry, commute five days a workweek and driveway 12,000 miles annually. Age: Rates were calculated by evaluating our basis visibility with the ages 18-60 ( base : 40 years ) applied. Incident: Rates were calculated by evaluating our basal profile with the following incidents applied : blank record ( base ), at-fault accident, one speed ticket, single DUI conviction and elapse in coverage .