Cheap SR22 Insurance Missouri: A Comprehensive Guide

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.

Cheap SR22 Insurance Missouri
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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:


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):

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.


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