Cheapest car insurance in Missouri

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Nationwide provides the cheapest car insurance in Missouri at $1,361 a year. Your rates may vary, but the average premium is $165 per month in Missouri, according to Insure.com’s rate analysis.

Car insurance requirements vary by state, and in Missouri, drivers must carry at least the minimum liability coverage: $25,000 for bodily injury protection per person, $50,000 of bodily injury coverage per accident, and $25,000 for property damage per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

Here’s a breakdown of the cheapest car insurance company in each category.

Cheapest overall: Nationwide

$1,361/year

National avg. rate

Cheapest for at-fault accident: Travelers

$1,993/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: Travelers

$2,047/year

Avg. rate after speeding ticket

Cheap car insurance companies in Missouri

Nationwide offers the cheapest car insurance in Missouri, with an average price of $1,361 per year. It’s 31% less expensive than the average car insurance cost in Missouri. The rates will vary based on factors such as your driving history, age, ZIP code, and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from the cheapest car insurance companies.

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Missouri

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Missouri

The 65109 ZIP code in Missouri has the cheapest auto insurance, with an average price of $1,768 annually. Discover the cheapest ZIP codes for car insurance in Missouri below.

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Cheapest car insurance in Missouri by age

Teen drivers in Missouri pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. A 16-year-old driver pays $5,739 more than a 40-year-old driver in Missouri, based on Insure.com’s analysis.

The table below shows the cheapest car insurance rates for drivers of different ages:

You might find interesting

• The best, cheapest car insurance in Missouri
• Missouri car insurance calculator
• Non-owner auto insurance in Missouri: Which company has the cheapest rates?
• Cheapest SR-22 insurance in Missouri
• Best and cheapest companies for home and auto bundles in Missouri

Cheapest car insurance in Missouri by driver history

Your driving history is one of the main factors insurers look at when determining insurance rates. If you are responsible for a car accident or are convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver, and you are likely to get cheap car insurance.

Cheapest car insurance after a speeding ticket in Missouri

Here are the top three companies offering affordable rates for car insurance after a speeding ticket.

• Travelers: $2,047 per year
• Nationwide: $2,075 per year
• State Farm: $2,242 per year

Insure.com data shows that a single speeding ticket in Missouri can result in a 24% or $479 increase in insurance rates.

Getting a speeding ticket involves paying a fine and potentially facing higher insurance premiums. For those looking to find the most affordable car insurance in Missouri, below are insurers that provide cheap rates after a speeding ticket.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Missouri

Here are the top three companies that offer cheap car insurance after an accident:

• Travelers: $1,993 per year
• Nationwide: $2,189 per year
• State Farm: $2,412 per year

Travelers offers the cheapest car insurance rates to drivers after an at-fault accident at about $1,993 a year.

If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.

Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Missouri

Here are the top three insurers that provide affordable car insurance rates after a DUI conviction.

• Travelers: $2,135 per year
• Progressive: $2,162 per year
• State Farm: $2,242 per year

A DUI conviction can have a significant impact on your car insurance rates, as most insurers will classify you as a high-risk driver and raise your rates accordingly.

The following table highlights insurance companies offering cheap car insurance rates for drivers with a DUI conviction.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Missouri

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. The average cost of full coverage car insurance in Missouri is $87 more than the national average car insurance rates in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that you should carry 100/300/100 coverage limits.

What is full coverage car insurance in Missouri?

Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.

In Missouri, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.

Final thoughts

While it’s common to look for ways to lower your car insurance premium, cutting corners on coverage could end up costing you much more in the long run.

Before purchasing an auto insurance policy, consider your specific needs to ensure you’re adequately covered. Since insurance rates can vary, it’s a good idea to compare quotes from multiple companies to find the right policy in Missouri.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Missouri. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

 

|

 . .

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.