Throughout the state of Missouri, there are 268,201 miles of roads ready for exploration.
The typical annual car insurance premium in Missouri stands at $1,698, which is 11% higher than the national average.
It’s important to note that various factors influence car insurance rates beyond just your geographical location.
Elements such as a driver’s age and driving record play a significant role in determining auto insurance costs.
The experts at The Zebra have scrutinized the average car insurance rates in Missouri associated with these rating factors, aiming to assist you in securing a cost-effective policy.
The most affordable SR-22 car insurance in Missouri
is provided by State Farm, with an annual cost of $441.
Additionally, State Farm offers the least expensive non-owner SR-22 insurance at $518 per year. SR-22 insurance may become necessary following severe infractions such as a DWI.
Top Car Insurance Providers in Missouri
Drawing insights from J.D. Power’s 2021 Auto Satisfaction Study and The Zebra’s Customer Satisfaction Survey, we’ve compiled a roster of the finest car insurance companies in Missouri.
1st Position
USAA USAA not only clinched the top spot in The Zebra’s Customer Satisfaction Survey but also earned an impressive score of 879 out of 1,000 in J.D. Power’s 2021 U.S. Auto Insurance Study specific to Missouri.
2nd Position
Shelter Insurance As a highly regarded regional carrier, Shelter Insurance secured the second position with a noteworthy score of 856 in J.D. Power’s 2021 auto study.
3rd Position
Farmers Taking the third spot in the region, Farmers Insurance achieved a score of 848 in J.D. Power’s 2021 Auto Insurance Study.
Furthermore, this carrier received a commendable 4.3 out of 5 stars in The Zebra’s Customer Satisfaction Survey.
Key Insights
Missouri drivers, on average, incur approximately 11% higher car insurance costs.
Among the major insurance providers, USAA emerges as the most budget-friendly choice.
Most Inexpensive Auto Insurance Providers in Missouri
These insurers provide the most budget-friendly rates under various circumstances.
Top Spot
Most Economical Full Coverage Insurance: USAA
Securing the top position, USAA offers the most affordable full coverage insurance, priced at $1,080 annually or $90 per month.
Affordable Choice Award
Most Budget-Friendly for Minimum Liability: USAA
For the essential minimum liability coverage mandated in Missouri, USAA stands out as the most economical choice on average.
Cost-Effective Recognition
Most Affordable for DUI Incidents: Travelers
If you have a DUI on your driving record, consider exploring Travelers for the most economical average rates.
| Company | Avg. Annual Premium |
|---|---|
| USAA | $1,080 |
| Travelers | $1,328 |
| Nationwide | $1,542 |
| State Farm | $1,609 |
| GEICO | $1,797 |
| Progressive | $1,955 |
| Allstate | $2,398 |
Methodology for Dynamic Auto Insurance Data
Our approach to presenting auto insurance rates is dynamic, signifying that the information will update as the most recent data becomes available.
The rates are derived from a sample driver profile, specifically a 30-year-old single male with a Honda Accord and full coverage.
This profile is adjusted based on key pricing factors utilized by major car insurance companies, including age, coverage level, driving record, and other relevant criteria.
Auto Insurance Laws in Missouri
Auto insurance is a mandatory requirement in nearly every state, and Missouri is no exception.
Opting for the legal minimum coverage level in Missouri results in an average annual cost of $566, which is 5% higher than the national average.
Minimum Coverage Requirements in Missouri
To legally drive in Missouri, you must carry at least the following minimum liability limits:
Liability:
Bodily Injury $25,000 per person
Bodily Injury $50,000 per accident
Property Damage $25,000 per accident
Uninsured Motorist:
Bodily Injury $25,000 per person
Bodily Injury $50,000 per accident
Optional Coverages in Missouri (varies by carrier):
Comprehensive
Collision
Loan/Lease Payoff
Medical Payments
Rental Car Reimbursement
Roadside Assistance
If you opt for enhanced coverage, including comprehensive and collision, you’ll be protected against costs related to car accidents, theft, vandalism, or weather incidents.
However, better coverage comes at a price.
In Missouri, a comprehensive insurance policy with a $1,000 deductible carries a cost of $1,498, representing a 165% increase compared to liability-only car insurance.
Choosing a comprehensive policy with a $500 deductible will result in a 214% increase over basic coverage costs.
For a comprehensive insurance policy with a $1,000 deductible in Missouri, the cost is $1,498, which is 165% more than liability-only car insurance.
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Missouri Car Insurance Premiums Based on Rating Factors
Your auto insurance rates are influenced by various individual factors, such as your coverage level, driving record, location, and more. To gain a better understanding of the average premium costs for auto insurance in Missouri, explore the breakdown by rating factor below.
Cheap Auto Insurance in Missouri for Minimum Coverage
Opting for liability-only coverage at the state minimum level can significantly reduce your car insurance costs. In Missouri, the average cost for minimum coverage is $90 per month or $566 annually, resulting in savings of $1,212 compared to full coverage.
| Company | Avg. Annual Premium |
|---|---|
| USAA | $305 |
| GEICO | $459 |
| Travelers | $483 |
| State Farm | $511 |
| Progressive | $590 |
| Allstate | $631 |
| Nationwide | $649 |
| Updated: 12/21/23. |
Cheap Auto Insurance in Missouri with Poor Credit
Your credit history plays a crucial role in determining your car insurance rates. On average, Missouri drivers with poor credit pay 62% more per year than those with exceptional credit. See some common rates by credit tier below.
| Company | Avg. Annual Premium |
|---|---|
| USAA | $1,939 |
| Nationwide | $2,234 |
| GEICO | $2,244 |
| Travelers | $2,317 |
| State Farm | $2,780 |
| Progressive | $3,326 |
| Allstate | $3,753 |
| Updated: 12/21/23. |
Cheap Auto Insurance in Missouri with an At-Fault Accident
Your driving history significantly influences your insurance rates. An at-fault accident in recent years could lead to an increase of as much as $915 per year.
Safe Driver Discounts
In addition to enjoying a lower premium, some companies offer safe driving discounts, typically ranging between 5% and 10%.
| Company | Avg. Annual Premium |
|---|---|
| USAA | $1,413 |
| Travelers | $1,625 |
| State Farm | $1,886 |
| Nationwide | $2,471 |
| GEICO | $2,842 |
| Progressive | $3,097 |
| Allstate | $3,152 |
| Updated: 12/21/23. |
Cheap Auto Insurance for Young Drivers in Missouri
Young drivers (16-25 years old) face higher car insurance rates, with teens aged 16 to 19 paying the most expensive premiums. In Missouri, teen drivers pay exceptionally high rates: $5,483 per year, 11% more than the nationwide average and over twice as much as a typical Missouri driver.
| Company | Avg. Annual Premium |
|---|---|
| USAA | $2,913 |
| Travelers | $3,469 |
| Allstate | $4,206 |
| GEICO | $4,567 |
| State Farm | $5,098 |
| Nationwide | $5,151 |
| Progressive | $7,536 |
| Updated: 12/21/23. |
Missouri Auto Insurance Rate by Violation
In Missouri, a bad driving record can cause your rates to soar. The impact of a ticket or citation on your auto insurance premiums varies based on the violation, your insurer’s pricing standards, and local regulations.
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,917 | 0% | $0 |
| One Med/PIP claim | $1,918 | 0% | $1 |
| Not-at-fault accident | $1,961 | 2% | $44 |
| Two Med/PIP claims | $2,000 | 4% | $83 |
| One comp claim | $2,037 | 6% | $119 |
| Two comp claims | $2,124 | 11% | $207 |
| Failure to wear a seat belt | $2,184 | 14% | $267 |
| Failure to show documents | $2,205 | 15% | $288 |
| Driving without lights | $2,207 | 15% | $290 |
| Child safety restraint | $2,207 | 15% | $290 |
| Cell phone violation | $2,243 | 17% | $325 |
| Driving with expired registration | $2,246 | 17% | $329 |
| Texting while driving | $2,249 | 17% | $332 |
| Following too closely | $2,252 | 17% | $335 |
| Driving too slowly | $2,266 | 18% | $349 |
| Speeding in school zone | $2,266 | 18% | $349 |
| Failure to stop at a red light | $2,268 | 18% | $351 |
| Failure to yield | $2,268 | 18% | $351 |
| Improper passing | $2,274 | 19% | $357 |
| Speeding 6 – 10 MPH over limit | $2,275 | 19% | $358 |
| Wrong way/wrong lane | $2,277 | 19% | $360 |
| Illegal turn | $2,279 | 19% | $362 |
| Speeding 11 – 15 MPH over limit | $2,282 | 19% | $365 |
| Speeding 16 – 20 MPH over limit | $2,292 | 20% | $375 |
| Speeding 21 – 25 MPH over limit | $2,315 | 21% | $398 |
| In 65 MPH zone | $2,319 | 21% | $402 |
| Passing school bus | $2,364 | 23% | $447 |
| Open container | $2,374 | 24% | $457 |
| Operating a vehicle without permission | $2,414 | 26% | $497 |
| At-fault accident – less than $1000 | $2,525 | 32% | $608 |
| At-fault accident – $1000-$2000 | $2,760 | 44% | $843 |
| At-fault accident – greater than $2000 | $2,760 | 44% | $843 |
| Refusal to submit to a chemical test | $2,977 | 55% | $1,060 |
| Driving with a suspended license | $3,023 | 58% | $1,106 |
| DUI | $3,044 | 59% | $1,127 |
| Racing | $3,094 | 61% | $1,177 |
| Leaving scene of an accident/hit and run | $3,183 | 66% | $1,266 |
| Reckless driving | $3,230 | 68% | $1,313 |
| Updated: 12/21/23. |
Missouri DUI Laws
In Missouri, a DUI offense can result in an average annual car insurance premium increase of $644. Finding affordable auto insurance after a DUI isn’t simple, and a DUI often leads to a larger premium increase than any single road violation.
Low-Cost Car Insurance After a DUI in Missouri
If you’re convicted of a DUI in Missouri, it’s crucial to carefully consider your insurance options.
Auto insurance premiums following a DUI can vary significantly by insurer.
For instance, the least expensive car insurance company with a DUI in Missouri, Travelers, advertises annual rates 26% less than the statewide average insurance rate with a DUI.
The second-cheapest insurer for auto insurance after a DUI in Missouri is USAA, while the priciest firm is GEICO, with prices 46% above average.
| Company | Avg. Annual Premium |
|---|---|
| USAA | $1,867 |
| Travelers | $1,749 |
| State Farm | $2,127 |
| Progressive | $2,289 |
| Nationwide | $3,146 |
| GEICO | $3,466 |
| Allstate | $3,032 |
| Updated: 12/21/23. |
There isn’t a specific car insurer offering inexpensive DUI car insurance. The recommended approach to saving after a DUI citation is to shop around.
Missouri SR-22 Insurance
An SR-22 is a routine legal requirement triggered by violations such as a DUI conviction, driving without insurance, at-fault collisions, driving with a suspended license, or accumulating too many points on your license. While not a type of insurance policy, it is a form issued by your insurance company to the state of Missouri to ensure that you remain insured.
Acquiring cheap auto insurance with an SR-22 in Missouri may require some research, but the effort could pay off in the end.
How to Acquire an SR-22 in Missouri
For Currently Insured Drivers: If you already have auto insurance, obtaining an SR-22 certificate is straightforward. Contact your car insurance company and ask them to file an SR-22 request for you. If your insurer isn’t willing to file the request, you may need to find a new insurer.
For Uninsured Drivers: When filing for a new policy, you might incur an upfront fee to have your prospective insurer file an SR-22 request for you and cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be willing to sell you a policy.
For Drivers Without a Vehicle: Not owning a vehicle makes it more challenging to obtain an SR-22, as you will need to provide proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn’t protect against material damage to your vehicle.
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Rates by City
Car insurance companies calculate your rate based on various factors, with the location of the vehicle being crucial.
The cheapest car insurance is found in Taos, Missouri, while the most expensive is in Pine Lawn, Missouri.
Explore the table below to see average car insurance costs in some of Missouri’s largest cities.
| City | Avg. Annual Premium |
|---|---|
| Columbia | $1,735 |
| Springfield | $1,799 |
| Independence | $2,024 |
| Kansas City | $2,154 |
| St. Louis | $2,617 |
Fluctuations in auto insurance costs within Missouri
Auto insurance pricing in Missouri has seen a marginal uptick over the last year, with average annual costs rising by a mere $11.
The standard Missouri driver now faces an annual average expenditure of $1,698.
The recent trend in Missouri suggests an inclination toward higher car insurance expenses compared to the national average.
The most significant decrease was observed from 2015 to 2016, while the most substantial spike occurred from 2016 to 2017.
Concurrently, auto insurance rates across the entire United States have demonstrated a relatively stable trajectory over the past few years, progressing from $1,521 in 2018 to $1,529 in 2021.
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Frequently Asked Questions about Missouri Auto Insurance
Explore answers to commonly asked questions about auto insurance in Missouri.
Who Offers the Most Affordable Car Insurance in Missouri?
According to our data, The Hartford stands out for providing the most budget-friendly premiums in Missouri. On average, drivers can secure a policy for as low as $45 per month with Travelers.
What is the Average Cost of Car Insurance in Missouri?
The average cost for a six-month car insurance policy in Missouri is $665, which is approximately $30 less than the national average.
Is Driving Without Insurance Illegal in Missouri?
Yes, driving without insurance is illegal in Missouri, aligning with the regulations in most U.S. states. Utilize The Zebra to conveniently find insurance coverage online today.