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Finding Cheap Auto Insurance in Missouri

Getting good auto insurance rates in Missouri is easy if you know where to look. We’ve evaluated Missouri rates from 11 auto insurers to point you in the right direction.

Related: Best Car Insurance Companies

Cheap Missouri Car Insurance For Good Drivers

Good drivers certainly deserve cheap car insurance in Missouri, but it takes a little research. Try car insurance quotes from State Farm, Farm Bureau Town & Country, and Travelers, which offered the best rates for good drivers among the companies we surveyed among open-ended companies.

If you are eligible for USAA, check their quotes. USAA is only open to military and veterans.

Cheap Missouri Car Insurance For Drivers Who Have Caused In An Accident

If you’ve been in a car accident that injured someone else, expect an average rate increase of around $ 750. You can always search for the most competitive rates. Try State Farm and Farm Bureau, which had one of the lowest auto insurance rates in Missouri for injured drivers, among the companies we surveyed. Military and veterans alike should check USAA auto insurance quotes.

Cheap Missouri Car Insurance For Drivers With A DUI

Expect auto insurance in the hundreds of dollars if you get a DUI conviction. State Farm may offer the cheapest rates in this situation, according to our analysis, among open-ended businesses. Military and veterans alike should always check USAA quotes.

Cheap Missouri Car Insurance For Drivers With Low Credit

Missouri drivers really pay for bad credit. Average rates go up by over $ 1,100 per year if your credit is poor, and that’s for people who are still good drivers without accidents or fines. If you are eligible for USAA, check their quotes. For everyone else, State Farm, Farm Bureau Town & Country, and Geico auto insurance may offer better rates than others.

Cheap auto insurance in Missouri for drivers without insurance

If an auto insurance failure affects your auto insurance rates in Missouri, try State Farm or Farm Bureau. If you are eligible for USAA insurance, check their quotes for a better deal.

The cheapest vehicles for insurance in Missouri

Some vehicles will cost more than others to insure. In Missouri, the Honda Pilot SE, Chevrolet Colorado, and Subaru Crosstrek are among the cheapest cars for insurance, based on the average prices of the top 50 selling 2021 models. Here are the 20 cheapest cars to insure.

The vehicles with the most expensive insurance in Missouri among the popular models are the Tesla Model S Performance ($ 8,418 per year) and the Volvo XC90 T8 Inscription ($ 5,231 per year).

Related: The most expensive and cheapest cars to insure nationwide

Minimum auto insurance required in Missouri

You must purchase auto liability insurance in Missouri. This is basic coverage that covers property damage and personal injury you cause to others. It also covers your own legal defense if someone sues you because of a car accident. If another driver hits you, you can file a claim with their motor vehicle liability insurance or sue them.

Missouri car owners should purchase coverage with at least:

  • $ 25,000 for bodily injury to a person
  • $ 50,000 for bodily injuries to more than one person in a single accident
  • $ 10,000 for property damage in an accident

This is written as 25/50/10.

But the minimum requirements for auto liability insurance in Missouri are insufficient. If you cause an accident with costly injuries, medical bills could quickly deplete minimum policy limits and you could be sued for the rest. It’s a good idea to get enough liability insurance to cover your savings and assets (like your home).

Missouri also requires uninsured motorist (UM) coverage. This type of insurance covers medical expenses if someone who does not have liability insurance collides with your vehicle. In Missouri, you must have UM coverage with at least:

  • $ 25,000 for bodily injury
  • $ 50,000 for bodily injuries to more than one person in a single accident

What else should I have?

Coverage of underinsured motorists (UIM). What happens when someone who hits you has insurance but it is not enough to cover your medical expenses? UIM coverage pays your medical bills when the insurance of the driver at fault is exhausted. In general, this is a good blanket to have.

Medical payments (MedPay). This covers medical costs for you and your passengers, regardless of who caused the accident.

Collision and full coverage. Together, these types of insurance cover auto theft and repair costs after issues such as car accidents, vandalism, flooding, hail, fires, riots, collisions with animals and accidents. falling objects, such as tree branches.

Collision and full coverage are usually required by your lender or leasing company if you have an auto loan or lease.

Summary: Missouri Compulsory Auto Insurance

Can I show my insurance ID card from my phone?

Missouri allows you to use a mobile phone to show an auto insurance ID card. If you are arrested, you don’t have to hope to have a paper ID with you. Many auto insurers have mobile apps that include access to auto insurance credentials.

Factors Allowed In Missouri Auto Insurance Rates

In addition to the driving record, previous claims, and vehicle type, Missouri auto insurance companies can use these factors when setting a customer’s rates.

How many uninsured drivers are there in Missouri?

About 16% of drivers in Missouri do not have auto insurance, according to the Insurance Research Council. That’s why it’s good to have your own insurance to cover the issues they create, including MedPay, collision damage waiver, and / or uninsured motorist coverage.

Penalties for driving without automobile insurance

If you are caught driving in Missouri without auto insurance, you may have points assessed against your driving record and your driving privileges suspended.

When can a vehicle be totaled in Missouri?

If your car is badly damaged by a problem like an accident or flooding, a Missouri auto insurance company can declare your car a total loss when the damage exceeds 80% of fair market value and the car is no more than 80% fair market value. six years (depending on the manufacturer’s model year).

Resolve insurance issues

The Consumer Division within the Missouri Department of Commerce and Insurance (DCI) is responsible for monitoring insurance companies and handling consumer complaints. If you have an unresolved issue with an auto insurance company, you can file a complaint.

Methodology

To find the cheapest auto insurance companies in Missouri, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 in bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 in property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.

Companies assessed for Missouri were Automobile Club of Missouri, Allstate, Cameron Mutual, Farm Bureau Town & Country, Farmers, Geico, Progressive, Shelter, State Farm, Travelers, and USAA.

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