UPDATED: DECEMBER 29, 2022 | 3 MIN READ
Finding cheap car insurance in Missouri is possible. The average cost of auto insurance in Missouri is $1,334 yearly – 6.5% less than the national average. Purchasing car insurance in Missouri doesn’t need to be stressful; we’re here to help walk you through the process.
Best Missouri Car Insurance Companies
Excellent car insurance comes in many forms. You might be looking for a cheap rate or the best customer service. Maybe discounts are important to you. Whatever you’re looking for, we have great options for you.
Cheapest Missouri Car Insurance Company
State Farm has the cheapest car insurance in Missouri for minimum coverage. An average quote for Missouri car insurance is $419 yearly or $35 monthly.
Company With the Best Customer Service
USAA is always at the top of the list regarding excellent customer service. They received 879 out of 1,000 in J.D. Powers’ 2021 U.S. Auto Insurance Study. Only military members and their families qualify for USAA. The second in line for excellent customer service is Shelter Insurance. They’re a highly rated carrier with a score of 856.
Company With the Best Premium-Reducing Programs
An excellent company for premium-reducing car insurance in Missouri is Farmers. A great way to reduce premiums is to bundle your various insurance policies. There are also options to bundle personal and business coverages. The average cost of car insurance with Farmers is $1,320 yearly.
Company With the Best Discounts
An excellent company for auto insurance in Missouri that offers a lot of discounts is GEICO. Their premiums tend to be higher, but they provide a lot of discounts to bring down the cost of the premiums. The average cost of car insurance in Missouri is $1,713 yearly.
Local and Regional Insurance Carriers
Missouri Farm Bureau
From the rural backroads to the bustling metropolis centers, Missouri Farm Bureau offers car insurance throughout Missouri. The organization features over 140 service centers and offices state-wide.
Whether you use your vehicle for work or pleasure, they have a policy that works for your needs. Missouri Farm Bureau is available for liability, medical payments, uninsured/underinsured motorists, and other coverages. other options include accidental death benefits, loss of personal property, disability income, and emergency road service.
The discounts from Missouri Farm Bureau vary from multiple vehicles to an accident-free discount of up to 20% on your premium. They also offer occupational discounts for professionals in various industries.
AAA Auto Insurance
AAA, or the American Automobile Association, is well-known for its excellence in the car industry. Missouri drivers rank among the highest in the country for accidents, so it’s essential to ensure your vehicle is protected. You can access the organization’s car insurance policies as a Missouri member of AAA.
AAA Auto Insurance’s policies offer various protections, including property damage. To help customers save, AAA Auto Insurance features discounts for bundle policies, good academic performance, loyalty, and theft recovery.
USAA Car Insurance
USAA is a membership group solely for current and future military members, their children, and spouses. One of the primary benefits for USAA members is USAA car insurance, which comes in handy when driving through St. Louis, Kansas City, and anywhere else in the Show Me State.
USAA helps Missouri residents meet minimum state car insurance requirements and offers collision, comprehensive, rental reimbursement, and roadside assistance. Customers qualify for discounts with good grades, careful driving, and garaging a car on a military base. Bundle discounts also help save.
Missouri Insurance Demographics
Demographics play a considerable role in how insurers determine the cost of your insurance. Here are some demographics that they consider:
- Crime Rates: Violent crime did rise in Missouri from 5.0 per 1,000 to 5.4. However, property crimes decreased from 26.6 per 1,000 to 25.3.
- Average Household Income: The average household income is $78,194. The median household income is $57,290.
- Median Age Range: The median age range is 38.3 years of age.
- Education: In Missouri, 29.9% of residents have a bachelor’s degree or higher.
Common Risk Factors In Missouri
The common risk factors that occur in Missouri that increase car insurance rates are:
- Distracted driving
- At-fault accidents
- Reckless driving
- DUI
- Speeding
- Racing
- Property damage
Auto Insurance Laws In Missouri
Missouri car insurance mandates that all drivers must have 25/50/25 liability insurance. If you choose to drive without the minimum car insurance in Missouri, you face fines, penalties, and even jail time.
What are the minimum car insurance requirements in Missouri?
Your Missouri car insurance has to have the minimum coverage limits of $25,000 per person, and $50,000 per accident for bodily injury, with at least $25,000 for property damage. If you don’t meet the requirements, you face suspension of your license and registration.
Am I required to carry uninsured motorist coverage in Missouri?
Missouri car insurance laws require drivers to have at least $25,000 per person and $50,000 per accident of uninsured motorist coverage.
Missouri SR-22 policies
If you’ve had a DUI or another major conviction in Missouri, you’re legally required to obtain an SR-22. It’s a form issued by your insurance company to ensure you have car insurance in Missouri.
Is Missouri a no-fault state?
No, Missouri is not a no-fault state. This means the injured driver can claim with the at-fault driver for any damages from the accident. The at-fault driver is responsible for the damages, and the insurer pays up to the limits in the policy.
What happens if my vehicle isn’t properly insured?
Driving without car insurance in Missouri is a punishable offense. You may face the following penalties:
- Fines: Up to $300-500
- Suspensions: If you do it more than once, you face suspension of your license from 90 days to a year
- Reinstatement Fees: You have to provide proof of insurance and a reinstatement fee of $20
- Jail Time: You face jail time of up to 15 days
Does Missouri accept digital insurance cards?
Missouri Gov. Jay Nixon signed legislation stating that drivers may show proof of insurance digitally on their smartphones.
How Much Does Car Insurance In Missouri Cost?
The cost of auto insurance in Missouri depends on many factors, including the city you live in, age, gender, credit score, driving record, and the insurance company you choose.
Average Cost of Car Insurance By City
The cost of auto insurance in Missouri depends on the city that you live in. Below are great examples of how the cost of insurance changes depending on the city.
| City | Average Missouri Car Insurance Cost |
|---|---|
| Columbia | $1,500 |
| Independence | $1,730 |
| Kansas City | $1,860 |
| St. Louis | $2,280 |
| Springfield | $1,575 |
Average Cost of Car Insurance By Company
Not all insurance companies are created equal. Some have different discounts and policies, which change how your insurance is priced.
| Car Insurance Company | Average Full-Coverage Premium (Annually) |
|---|---|
| AAA | $2,015 |
| GEICO | $1,715 |
| MetLife | $2,765 |
| Safe Auto | $2,155 |
Average Cost of Car Insurance By Age
Age is a huge factor in determining the cost of your insurance. Younger drivers typically pay more for car insurance in Missouri than experienced drivers.
| Age | Average Full-Coverage Premium (Annually) |
|---|---|
| Age 16 | $2,390 |
| Age 18 | $5,055 |
| Age 20 | $985 |
| Age 25 | $2,110 |
| Age 30 | $1,900 |
| Age 40 | $1,770 |
| Age 50 | $1,595 |
| Age 60 | $420 |
| Age 70 | $1,660 |
Average Cost of Car Insurance By Credit Score
A credit score does affect the cost of your car insurance in Missouri. Historically drivers with excellent credit scores tend to be more dependable drivers.
| Credit Score | Average Premium (Annually) |
|---|---|
| Very Poor | $2,905 |
| Fair | $2,290 |
| Good | $1,780 |
| Very Good | $1,405 |
| Great | $1,115 |
Average Cost of Car Insurance By Driving Record
Your driving record significantly impacts what you pay for auto insurance in Missouri. If you have a DUI on your record, you likely pay more insurance than someone with a clean driving record.
| Driving Incident | Average Full-Coverage Premium (Annually) |
|---|---|
| Speeding Ticket | $1,960 |
| Accident | $2,235 |
| DUI/DWI | $2,715 |
What Optional Missouri Auto Insurance Coverages Should You Consider?
State residents the following optional coverages available:
- Comprehensive
- Collision
- Roadside assistance
- Option bodily injury
- Limited collision
- Medical payments
- Underinsured motorist bodily harm
- Loan/lease payoff
- Rental car reimbursement
What Auto Insurance Discounts To Look For In Missouri
There are discounts available for Missouri drivers. Discounts vary depending on your driving record, chosen insurer, and the car you drive. Some discounts include policy bundling, low mileage, driver education, good driver, multi-car, and new driver discounts.
FAQs
Is car insurance cheaper in Missouri?
The average cost of auto insurance in Missouri is $1,334 yearly – 6.5% less than the national average.
Is car insurance required in Missouri?
Yes. You face penalties, fines, suspension, and even jail time if you don’t have the minimum liability coverage.
What is full-coverage insurance in MO?
Full-coverage car insurance in Missouri consists of the state’s minimum liability coverage.
Is Mo a no-fault state?
No, Missouri is not a no-fault state. This means the injured driver can claim with the at-fault driver for any damages from the accident.
Does insurance follow the car or the driver in Missouri?
Car insurance in this state follows the car and not the driver. That means your vehicle is driven by someone else, and your insurer still pays the damages when an accident happens.
How To Purchase Car Insurance In Missouri
Purchasing car insurance in Missouri isn’t difficult. Once you decide which coverages you want, get several quotes from different companies. Use our online quote tool to do this in minutes. Then, choose the policy that’s right for you.
