How to Find the Best Full Coverage Car Insurance in Missouri
Full coverage is recommended for most Missouri drivers and popular insurers like AAA, Nationwide, and Allstate offer comprehensive and collision coverage.
costs Missouri drivers an average of $166 per month.
AAA, Nationwide, and Allstate are just a few of the providers who offer great rates for full coverage in Missouri.
Full coverage is recommended for Missouri drivers since the state has high rates of car theft and auto accidents.
If your car is worth less than $4,000, you can save about $51 per month by dropping collision and comprehensive coverage.
How to get the best full coverage car insurance in Missouri
The only way to get the best full coverage car insurance in Missouri is to compare quotes from at least three car insurance companies. The table below shows average rates for full coverage from five of the
Methodology: How did we pick these five companies?
To narrow down the five cheapest auto insurance companies in Missouri, Jerry’s data analysis spent over 200 hours analyzing data from over 25 million real car insurance quotes from the past year. The companies listed above had the lowest average rates for full coverage auto insurance policies for good drivers in Missouri.
How much coverage do you need? Most drivers need at least $50k/$100k of bodily injury liability coverage, $50k of property damage liability coverage, and enough collision and comprehensive insurance to cover the full replacement cost of their vehicle.
The secret to finding the best full coverage auto insurance company
There’s no single car insurance company that offers the lowest rates on full coverage for every driver in Missouri. Car insurance companies look at your entire profile, from your age and ZIP code to your driving record and insurance history, when setting auto insurance rates.
And every insurance provider uses a different set of calculations to set your premium—meaning that the best car insurance company is different for every driver.
Some drivers will find the cheapest car insurance coverage with Missouri’s biggest insurers—GEICO, Progressive, Allstate, State Farm, and USAA—but others will find the best car insurance rates with smaller providers like American Family, Travelers, or ROOT.
The only way to know who has the best rate for your profile is to compare free quotes from as many insurance companies as possible. Jerry partners with 55+ of the best car insurance companies in Missouri to help you do just that—in under a minute.
Why most Missouri drivers need full coverage car insurance
Most drivers won’t get enough financial protection by meeting
. Here’s why adding coverage—including comprehensive and collision insurance—is a good idea for Show Me State drivers:
High accident rate: In 2021, the state of Missouri saw 1,016 traffic fatalities for a total Mileage Death Rate (MDR) of 1.27—slightly below the national average.
Natural disasters and severe weather: Cars in Missouri are at risk from tornadoes, ice storms, and flooding, in addition to other threats from the weather.
Auto theft hot spots: According to the National Insurance Crime Bureau’s 2021 Hot Spots vehicle theft report, Missouri ranks #7 in the nation for car theft.
High number of uninsured drivers: The Insurance Information Institute found that 16.4% of Missouri drivers were uninsured in 2019—it’s possible that the number has grown since then.
Auto loan requirements: If you’re leasing or financing a vehicle, your lender might require you to get collision and comprehensive insurance in addition to Missouri’s minimum liability coverage until you’ve paid off the car.
Do you need no-fault insurance in Missouri?
No—Missouri is an at-fault insurance state, so drivers are required to carry the minimum liability coverage. This means that the driver responsible for the accident has to pay for vehicle damage and medical bills.
If you want assurance that your medical bills will be paid for regardless of who was at fault, sign up for
If you were the at-fault driver, your liability insurance will pay for the other driver’s damages up to your policy limits. You’ll have to pay out-of-pocket for any expenses that your insurance doesn’t cover. This is why it’s a good idea to buy higher liability limits than required.
per person and $50,000 of uninsured/underinsured motorist coverage per accident. Since 16% of Missouri drivers don’t have insurance, it’s coverage that will help pay for medical bills if you’re in an accident caused by an uninsured driver.
Do you need gap coverage in Missouri?
Although you’re not required to carry gap (or Guaranteed Asset Protection) insurance, it’s a wise move if you just got a car loan. Here’s how gap coverage works—if your new car is totaled, the insurance pays for the difference between the car’s actual cash value at the time of the accident and how much you still owe.
Should you drop full coverage in Missouri?
Sometimes, it makes sense to drop full coverage car insurance in Missouri. Here are the only times to consider doing it:
Your vehicle is worth less than the cost to stay covered—this usually only applies to old cars that aren’t worth more than $4,000
You can afford to replace your car out of pocket if it’s totaled
You’ve don't have a loan on the car and you own it outright
By cutting back to the minimum required insurance, you’ll save about 30% on car insurance a year. Missourians pay an average of $1,373 for the minimum liability coverage required by the state.
from Missouri’s best providers. Jerry is a licensed insurance broker serving over 4 million policyholders nationwide, with a team of 100+ licensed insurance agents standing by to assist you by text or phone.
FAQs
How much is full coverage insurance in Missouri?
+
Full coverage car insurance costs an average of $1,987 per year in Missouri. Full coverage is more affordable for drivers with clean driving records and good credit. Teen drivers and high-risk drivers typically pay higher rates for full coverage.
Who gives the lowest car insurance rates?
+
State Farm has the largest market share of any insurance company in Missouri, although its customer satisfaction scores are below average. Keep in mind that just because State Farm insures the most Missourians, it may not give you the cheapest rates.
For instance, if you have a DUI, poor credit, or an at-fault accident in your driving history, you’ll get a more expensive quote from State Farm. Instead, look for an insurance provider who focuses on covering drivers with violations.
What is the average car insurance payment in Missouri?
+
On average, Missouri drivers pay between $1,373 and $1,987 per year for car insurance. This works out to $114 per month for the minimum coverage and $166 per month for full coverage. Don’t forget that
or good student discounts can really reduce your annual premium.
What is the minimum for full coverage in Missouri?
+
The minimum coverage required by Missouri state law includes $25,000/$50,000 of bodily injury liability coverage and $10,000 of property damage liability insurance, but experts recommend that most drivers get higher coverage limits and extra coverage. Don’t forget that Missouri also requires $25,000/$50,000 of uninsured/underinsured motorist coverage.
4.7
.jpg&w=64&q=75){kind=avatar}
