Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in Missouri
| City | Premium | Percent Increase |
| Jefferson City | $749 | 0.0% |
| Rolla | $763 | 1.9% |
| Lebanon | $778 | 3.8% |
| Sedalia | $784 | 4.6% |
| Columbia | $803 | 7.1% |
| Warrensburg | $815 | 8.8% |
| Joplin | $821 | 9.6% |
| Saint Joseph | $839 | 12.0% |
| Poplar Bluff | $862 | 15.1% |
| Liberty | $888 | 18.6% |
| Ozark | $900 | 20.1% |
| Belton | $903 | 20.5% |
| Cape Girardeau | $905 | 20.9% |
| Lees Summit | $906 | 21.0% |
| Nixa | $912 | 21.8% |
| Kansas City | $919 | 22.6% |
| Saint Peters | $925 | 23.4% |
| Blue Springs | $930 | 24.1% |
| Wentzville | $934 | 24.7% |
| O Fallon | $937 | 25.1% |
| Saint Charles | $944 | 26.0% |
| Springfield | $948 | 26.5% |
| Independence | $953 | 27.2% |
| Chesterfield | $1,004 | 34.0% |
| Ballwin | $1,013 | 35.2% |
| Imperial | $1,022 | 36.4% |
| Fenton | $1,034 | 38.0% |
| Arnold | $1,044 | 39.3% |
| Florissant | $1,159 | 54.7% |
| Saint Louis | $1,192 | 59.1% |
Factors That Affect Car Insurance Premiums in Missouri
Although mature drivers pay less for car policy than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car indemnity rates can save older drivers hundreds of dollars a year.
Read more: The 7 Best Car Insurance Companies (2022)
Cheapest Car Insurance in Missouri
6 Tips for How to Get Cheap Car Insurance in Missouri
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Missouri, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers and have comparable customer satisfaction ratings.
2. Search for discounts
Top car insurance companies in Missouri have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
3. Know the factors affecting insurance in Missouri
Everyone knows that your driving habits and
4. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in Missouri. On average, drivers in the
5. Choose the coverage that is right for you
Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need. You need
6. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even if you don’t own a car. Missouri drivers who don’t maintain continuous coverage pay an average of 9% more than those with five or more years of insurance history.
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability, as well as $25,000 in uninsured motorist coverage per person and $50,000 in uninsured motorist coverage per accident, as required by Missouri’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Missouri insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of bum car indemnity companies in Missouri is based on data from the Missouri DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 unlike driver profiles designed to identify the cheapest car indemnity companies for Missouri drivers in a collection of key categories. For each visibility, WalletHub compared quotes among top Missouri car policy companies by averaging premiums from 36 energy codes that represent at least 20 % of Missouri ‘s population. Military-specific companies like USAA were merely considered for the military-specific class, due to their eligibility restrictions. In some cases, they may placid be the best choice overall for eligible drivers.In the table below, you can see all of the visibility characteristics that were used in WalletHub ’ sulfur psychoanalysis, in accession to the specific subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Missouri policy quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. individual rates will be different.
Don ’ thymine forget to include local policy companies in your research for bum car insurance. In Missouri, regional insurers like Shelter, Auto-Owners Insurance, and Farm Bureau Mutual might have lower rates than national companies like Allstate, Geico, and Travelers and have comparable customer gratification ratings.Top car policy companies in Missouri have a variety of discounts, so about anyone can find ways to save. You may be able to get a deduction if you ’ re a scholar, veteran, good driver, homeowner, willing to go paperless, and more.Everyone knows that your driving habits and claims history affect how much you pay for car policy. But in Missouri, companies can besides consider your old age, sex, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and evening some factors beyond your operate all impact the price of insurance.Car indemnity prices can vary a lot based on slide fastener code in Missouri. On average, drivers in the most expensive parts of Missouri spend over $ 1,400 more per year on cable car insurance than those living in the least expensive areas.Don ’ thymine stint on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car indemnity than you need. You need indebtedness policy to pay for the other driver ’ s damages if you ’ re at demerit in an accident in Missouri. Collision and comprehensive examination coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based indemnity might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, too.You ’ ll see higher rates if you let your indemnity lapse, even if you don ’ metric ton own a car. Missouri drivers who don ’ t maintain continuous coverage pay an modal of 9 % more than those with five or more years of insurance history .