Cheap Car Insurance in Missouri: Compare Rates & Providers
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Finding cheap car insurance in Missouri can feel like a challenge, but it doesn’t have to be. With so many insurance companies offering different plans, rates, and discounts, the key is knowing where to look and how to compare. Drivers can save money by understanding Missouri car insurance requirements, learning about available discounts, and shopping around for quotes that fit their needs.
In this guide, we’ll cover a wide range of topics to help you, including the top affordable providers in Missouri, average car insurance costs for drivers in the state, factors that affect your insurance rates, and discounts you may qualify for.
Top Affordable Car Insurance Providers in Missouri
When looking for cheap auto insurance in Missouri, a few providers stand out for their balance of affordability and coverage options:
- Progressive: Known for offering flexible coverage options and helpful tools to customize your policy. Missouri drivers often find Progressive affordable, especially with discounts for safe driving or bundling multiple policies.
- Liberty Mutual: Offers a wide range of discounts for good drivers, students, and safe vehicles. Liberty Mutual also provides digital tools that make managing your policy easy.
- The General: While not always the cheapest, The General provides quick approvals, even for drivers with less-than-perfect driving records. This is a good option if you struggle to qualify with other insurers.
Rates vary by driver profile, but these companies are often listed among the more affordable choices in Missouri.
Average Car Insurance Costs in Missouri
The average cost of car insurance in Missouri depends on several factors, but it averages $2,496 annually for full coverage and $635 for state-minimum coverage. That’s a fair amount lower than the national average of $2,679 for full coverage and $808 for state-minimum coverage. Keep in mind that your rates may be higher or lower depending on your situation.
Several factors affect your rates:
- Driving record: A clean driving history usually means lower premiums. In Missouri, a driver with a clean record pays $2,496 per year on average, whereas a driver with a speeding ticket pays an average $2,933, and a driver with a DUI conviction pays $3,978.
- Age: Younger drivers often pay more because they are seen as higher risk. For example, 18-year-old drivers have an average annual premium of $6,192 for full coverage and $516 for minimum coverage, whereas a 30-year-old pays just $2,802 and $233, respectively.
- Location: Rates vary by ZIP code. For example, Kansas City, Missouri, car insurance averages $2,728 per year, while insurance in the smaller town of Wentzville averages just $2,251 per year.
- Coverage level: Choosing state-minimum coverage is cheaper upfront, but full-coverage car insurance or comprehensive protection provides added peace of mind.
- Credit score: In Missouri, your credit history can affect your insurance rate, though insurers cannot base high premiums on credit score alone. On average, someone with poor credit pays $4,631 per year, while someone with excellent credit pays $2,023.
- Vehicle type: Sports cars or luxury vehicles cost more to insure compared to older, safer vehicles.
Discounts To Help Missouri Drivers Save
One of the best ways to get affordable car insurance in Missouri is by stacking savings. Most insurance companies offer car insurance discounts, but you often need to ask for them.
Common discounts include:
- Multi-policy: Bundle your car insurance with homeowners or renters insurance.
- Good driver: Stay accident-free for a set period.
- Safe vehicle: Cars with anti-theft systems or advanced safety features often qualify.
- Defensive driving course: Completing a course may earn a defensive driving discount.
- Student discounts: High school or college students with good grades may be eligible for a good student discount.
- Low mileage: Driving fewer miles per year can sometimes reduce costs.
Always ask your insurer for a full list of available discounts to maximize your savings.
State Requirements for Car Insurance in Missouri
Missouri law requires all drivers to carry auto insurance. Understanding the Missouri car insurance requirements helps ensure you meet the state minimum and avoid penalties.
Minimum Requirements
Missouri’s minimum coverage requirements include:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage per accident
Drivers must also carry uninsured motorist coverage with the same limits for bodily injury per person and accident.
Full Coverage vs. Minimum Coverage
- Minimum coverage: The cheapest option, but it only pays for damage you cause to others. It won’t cover repairs to your own car.
- Full coverage: This includes liability, collision, and comprehensive protection to help pay for your own vehicle repairs from accidents, theft, weather, or vandalism.
If your car is newer or financed, your lender may require full coverage car insurance. For older cars, minimum coverage might be enough, but it’s important to weigh the risk.
How To Compare Quotes and Choose the Best Policy
Comparing insurance quotes is the best way to find the most affordable auto insurance in Missouri. Here’s how to do it:
- Get multiple quotes: Rates can vary significantly between insurance companies, even for the same driver.
- Review coverage options: Look beyond price. Make sure the policy includes the optional coverages you need, such as roadside assistance or rental car reimbursement.
- Ask about discounts: Stacking savings can make a big difference.
- Re-shop regularly: Your insurance rate can change over time. Compare policies every six to 12 months to make sure you’re still getting the best deal.
Get Personalized Car Insurance Quotes Today
Insurance options vary a lot by ZIP code, driver profile, and other factors. The best way to get the right insurance for the right price is to compare multiple providers side by side.
Getting a custom comparison from EverQuote is always free, and it only takes a few minutes. Compare personalized car insurance quotes today and see how much you can save.
FAQs
Who has the cheapest car insurance in Missouri?
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What’s the average cost of car insurance in Missouri?
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Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.