Companies Name Quotes
Assurance America Insurance Quote Logo Assurance America $55 /mo
Dairyland Insurance Quote Logo Dairyland $68 /mo
Progressive Insurance Quote Logo Progressive $70 /mo
Allstate Insurance Quote logo Allstate $74 /mo
The General Insurance Quote logo The General $119 /mo

Cheap Car Insurance In Kentucky

The Rateforce team works intending to provide you the cheapest rates from all the companies of the state. Our research and analysis team has all the data to provide you the cheap car insurance rates for your requirements. Below is the list of the top 4 companies that have the most affordable car insurance rates in Missouri.

Best Car Insurance Companies in Kentucky

There is a huge difference between cheap rates and best rates. And our team understands this difference very deeply. Hence; we have analyzed the top companies that provide the Best Car Insurance Rates in Missouri to all kinds of requirements. The below list is created after analyzing factors like the health of the company, its financial strength, customer reviews, etc.

Companies Name Quotes
Progressive Insurance Quote Logo Progressive $70 /mo
Allstate Insurance Quote logo Allstate $74 /mo
Dairyland Insurance Quote Logo Dairyland $68 /mo
The General Insurance Quote logo The General $119 /mo

How to find the Best Car Insurance Companies in MO?

Minimum Missouri Car Insurance Requirements

If you want to drive or park your vehicle on the roads of Missouri then you will have to buy car insurance. Moreover; you will have to carry proof of insurance with you all the time. Now every state has some minimum insurance requirements which are compulsory to include in your policy. Here are the minimum requirements of Missouri State:

Missouri Minimum Auto Insurance Coverage Requirements
  • Bodily Injury Liability(BIL):
    Bodily injury coverage is required when you are at fault in an accident. In such cases, you will have to cover the medical expenses of the other driver. In Missouri state; the minimum liability coverage for bodily injury are:
    $25,000 per person for medical expenses or death of the other driver & $50,000 per accident for the medical expenses or death of the driver and other passengers.
  • Property Damage Liability(PDL):
    Property damage liability coverage is required when you have damaged the car, house, fence, or garden of another person. If you are at fault in an accident then in such cases you will have to pay for the damage repair of the other person. In Missouri, the minimum property damage limit is $10,000 per accident.
  • Underinsured or Uninsured Motorist Coverage:
    There are very limited states that have underinsured / uninsured motorist coverage as a minimum liability requirement. In Missouri, this coverage is required to drive a vehicle and its limits are:
    $25,000 per person & $50,000 per accident.

Additional Insurance Coverage in Missouri:

  • Collision Coverage:
    Collision coverage is important in the case where your vehicle collides with another vehicle, object, or pedestrian. In such cases, your insurance company will cover all the repair expenses of your vehicle.
  • Uninsured and Underinsured Motorist:
    If you get into an accident and the other driver does not have enough insurance to cover your expenses. In such a case you will get coverage of all the expenses by your insurance company.
  • Comprehensive Coverage:
    This insurance type is important if your vehicle ever gets caught in a natural or man-made calamity. It can be fire, thunderstorms, vandalism, floods, or any other calamities. In such situations, you will get coverage from your carrier.
  • Roadside Assistance:
    If your vehicle breaks down in the middle of nowhere then your insurance company will assist. You will get instant help in repairing or towing your vehicle without any charges. All the charges will be covered by the carrier.
  • Medical/Funeral Services:
    This type of coverage will help in medical services like dead body transportation, calling an ambulance, etc. Along with that, it will also provide coverage for funeral services for the driver.
  • Vehicle Loan / Lease Payoff:
    When your vehicle gets into a total loss then your insurance carrier will provide coverage. This coverage will be equal to the pending loan amount or lease amount on your vehicle at that time.
  • Rental Car Reimbursement:
    Till the time your vehicle is under repair, you can rent another car for your usage. Later you can claim the amount and your insurance carrier will provide the coverage.

Car Insurance Quotes In Missouri Based on Ticket Profile

Car insurance rates are always calculated on certain factors. Based on these factors different ticket profiles get higher or lower insurance rates. We have the top five ticket profiles that affect the insurance premium rates:

Did You Know that it only takes a total of eight points within an 18-month period to lose your driving privilege in Missouri? – Statics from Missouri Department of Revenue.

Car Insurance for Drivers with DUI Ticket in MO

Driving under the influence is not only dangerous to you but also a crime. Such drivers are always considered risky and get higher insurance premiums. This is because the insurance companies avoid risky drivers.

The driver can try getting out of DUI but the process is long and complex. This includes applying for SR-22, reinstatement fees, court fines, etc. Hence; DUI drivers try to get the cheapest insurance quotes from the discounts.

Here are the top companies of Missouri that provide the cheapest car insurance rates for drivers with DUI tickets.

Insurance Company Quote
Allstate $119 /mo
Progressive $105 /mo
Esurance $95 /mo
Missouri Farm Bureau $80 /mo
Travelers $92 /mo
Insurance Company Quote
Esurance $110 /mo
State Farm $145 /mo
GEICO $187 /mo
Progressive $164 /mo
Travelers $210 /mo

Cheap MO Car Insurance for Drivers with “At-fault” History

Drivers who have an at-fault accident on their record get the highest insurance quotes. Most of the time the insurance companies cancel the policy of the driver. The reason behind this is; drivers with at-fault accidents are risky drivers and insurance companies avoid taking risks. As a result, they increase the premium rates for the drivers with at-fault history.

At-fault drivers can also try to pay for the accident forgiveness but accepting and rejecting it depends on the insurance company. Below is the list of companies that provide the most affordable rates to at-fault drivers:

Best Insurance For Speeding Drivers

Speeding can lead to road accidents in no time. Hence speeding drivers are also considered risky. As per insurance companies, speeding drivers always apply for more claims as compared to responsible drivers. When a driver gets caught speeding, the officer will add points to the driving record. These points are dependent on the speed of the driver at the time he or she was caught.

Based on these points the company decides the amount to increase the insurance premium. Below are the top 3 insurance carriers in Missouri that provide cheap premium rates for speeding drivers:

Insurance Company Quote
State Farm $120 /mo
Progressive $145 /mo
American Family $157 /mo
Allstate $170 /mo
Insurance Company Quote
Allstate $122 /mo
Progressive $155 /mo
GEICO $160 /mo
Travelers $230 /mo
Farmers $240 /mo

Car Insurance Rate for New/Young Drivers in Missouri

Young drivers or new drivers are also considered risky because of the lack of experience on the road. Even young drivers always get the highest premium rates as compared to all other tickets. The reason is they lack experience and are the riskiest as per the insurance companies.

In Missouri state; drivers under 40 years of age always get higher insurance rates as compared to the others. Missouri students can apply for a student discount if they have an average grade of B or higher. Here are the top four companies in Missouri that have the cheapest insurance rates for the students:

Car Insurance Rates for Good and Experienced Drivers

A driver with a clean driving record without any tickets or violations is considered a good driver by the insurance companies. And a driver who is more than 40 years of age is considered an experienced driver. A good and experienced driver gets lower insurance rates as compared to other new drivers.

The lower insurance rates with other discounts can save hundreds of dollars in the annual premium rates. Below is the list of top companies that provide the cheapest car insurance rates for good drivers:

Insurance Company Quote
Progressive $57 /mo
Allstate $62 /mo
American Family $68 /mo
GEICO $77 /mo
State Farm $85 /mo

Which Auto Insurance Discounts available in Missouri?

If you are looking for cheap car insurance in Missouri then the best option is to get discounts. Below are four types of discounts you can get from any insurance carrier. The average car insurance rate in Missouri is 6.5% less than the national average rates. Still, it is difficult to afford for a major population in Missouri.

The best way to reduce a car insurance rate is by getting Discounts. Here are the top 4 discounts which you can ask from any insurance carrier:

Different Vehicle Discount:

This type of discount is applicable If you have more than one vehicle and you need insurance for all. Your insurance company will provide you discounted rates to convince you into buying the policy from them.

Safety Feature Discount:

If your vehicle has advanced safety features then the chances of injuries and accidents are fewer as compared to others. As a result, your insurance carrier will provide you a discounted rate. So does your vehicle have safety features like automatic seat belts, anti-lock brakes, or anti-theft alarms? Then don’t forget to negotiate for discounts.

Upfront Payment Discount:

Every insurance company prefers advance payment options hence, they try to promote this payment model. For the promotion of upfront annual payment, the drivers get discounted rates as a reward. So if you can afford to pay the annual insurance premium in advance then you should ask for this discount.

Multi-Policy Discount:

This discount is also known as a policy clubbing discount. If you already have car insurance and you need house or life insurance. Then you can club your multiple policies and your insurance carrier will provide a discount. Keep in mind to negotiate as much as possible to get cheaper rates.

Auto Insurance for SR-22 in Missouri

SR-22 insurance is compulsory for drivers with suspended licenses. The reason for license suspension can be too many law violations, DUI, or speeding tickets.

SR-22 is proof that the driver has the financial aid to cover the minimum coverage insurance requirement of Missouri.

Company Annual Average Premium Annual Average Premium with SR-22 and DUI
Assurance America $648 $934
Dairyland $732 $1,298
Progressive $840 $1,356
Allstate $864 $1,473

Car Insurance Rates by City in Missouri

As mentioned above, there are a lot of factors that affect the insurance premium of a driver. One of the major factors for car insurance cost is the location of the driver. The state, city, and even zip code affect the insurance rates. In Missouri state also there is a huge car insurance cost difference between different cities.

Here is the list of top cities of Missouri along with their average insurance rates.

City Average Annual Cost
Holts Summit $2,247
Eugene $2,239
Sedalia $2,223
Lohman $2,206
Henley $2,213
Saint Thomas $2,229
Lebanon $2,221
Russellville $2,231
Taos $2,178
Jefferson City $2,172
St. Martins $2,182
Centertown $2,197

FAQs About Missouri Car Insurance

Q

What is the average cost of car insurance in MO?

A

The average cost of car insurance in Missouri is $1334 annually. This is 6.5 percent lower than the national average cost.

Q

Will I get coverage If someone gets into a road accident while driving my car?

A

The car insurance always follows the car, not the driver. If your friend or family member collides your car then also you will get the coverage for the repairs. The coverage amount is dependent on your policy. But this might lead to an increase in the premium rates.

Q

What are the fines to drive uninsured in Missouri?

A

Driving without insurance is a serious crime and the penalties are high if you get caught in Missouri. $300 is the fine to drive without liability or uninsured plus 15 days in jail with 4 points on the driving record.

Q

Who has the most affordable car insurance in Missouri?

A

It is almost impossible to give one name because there are a lot of factors that affect the final cost. The best way to get cheap car insurance rates is to ask for discounts and compare MO car insurance quotes. You can save hundreds of dollars by comparing the quotes from different companies in your locality.

cta car insurance quotes image

Compare Cheap Car Insurance Quotes in Missouri now!

Disclaimer: The above is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.