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Jerry Data & Research
Cheapest Car Insurance in Missouri (Sep 2024)
Cheapest Car Insurance in Missouri (Sep 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Missouri.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Missouri
- Cheapest car insurance companies in Missouri
- Missouri Car Insurance Coverage Requirements
- Missouri Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Missouri?
- Car Insurance for High-Risk Missouri Drivers
- Car Insurance for Missouri Drivers With DUI
- Car Insurance for Missouri Drivers With a Coverage Lapse
- Car Insurance for Missouri Drivers With a Low Credit Score
- Missouri Car Insurance Cost by Age
- Missouri Car Insurance by Car
- Is it cheaper to insure a new car or a used car?
- Missouri Insurance Cost by Zip Code
- How to lower the cost of car insurance in Missouri
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Missouri
Between the sheer amount of providers and their endless lists of rating factors, finding the best car insurance coverage for you can quickly get overwhelming.
The fact of the matter is, there’s no single “cheapest” insurance provider out there for all Missourians. Every insurance company uses its own distinct approach to calculating rates, resulting in personalized insurance quotes for every driver.
So how do you find cheap rates? The answer lies in
comparing car insurance quotes
from multiple providers—and that’s where Jerry can help.Jerry Insurance Agency is a reliable partner for insurance shoppers. We take the hassle out of finding the perfect insurance policy by gathering quotes on your behalf.
| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Progressive | $76 | Clifford, 33 Columbia, MO | Ford C-Max SE | • 100,000/300,000 Liability • Comp / Collision |
| Allstate | $139 | Bradley, 37 Saint Joseph, MO | Ford Fusion SE | • State Minimum Liability • Comp / Collision |
| Nationwide | $181 | Lenora, 36 Lees Summit, MO | Mitsubishi Galant ES Medium | • 50,000/100,000 Liability • Comp / Collision |
| Safeco | $99 | Anne, 60 Cape Girardeau, MO | Ford F150 Supercrew | • 50,000/100,000 Liability • Comp / Collision |
| Travelers | $159 | Rose, 43 Independence, MO | Toyota Prius | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 16, 2024Cheapest car insurance companies in Missouri
Which auto insurance company can offer the best rate in Missouri? Jerry performed the largest insurance shopping survey in the nation to find the answer.
Our survey results restate the fact that there is no “best” or “cheapest” insurer out there for everyone.
When it comes to
shopping for the lowest car insurance rates
, your best bet is to compare quotes from multiple companies that are customized to you—you might be surprised which insurance companies offer the best prices.For instance, even though State Farm holds the largest market share in the state of Missouri, our customers only rated it 3.3/5 for policy cost satisfaction.
Our survey shows that the following insurers are rated highest for cost satisfaction in Missouri:
- Gainsco
- Nationwide
- ROOT
- State Auto
- The General
Explore the experiences and feedback from Missouri drivers concerning these insurers and others:
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| AAA | September 12, 2024 | 3 | "When I first started with them it eas great then at my renewal they increased my rates 70 dollars a month then on my ...(read more)" -Jared |
| Bristol West | September 11, 2024 | 5 | "They are wonderful insurance and the price is great too" -Jeff |
| Amica | September 9, 2024 | 5 | "These guys are the cheapest in town. They’ve given me at three to $400 discount. I cannot find cheap insurance anywhe...(read more)" -Jeremy |
| Commonwealth Insurance | September 9, 2024 | 5 | "Clear cover is by far the cheapest insurance I could find, that is still high quality, reliable, and professional. Th...(read more)" -Alvin |
| Safeco | September 1, 2024 | 3 | "They declined based on credit score which is bunch of feces" -Olga |
Last Updated Sep 12, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Jerry's free
insurance comparison app
simplifies comparing car insurance rates from multiple companies. With over 100+ licensed insurance agents, Jerry can also offer personalized service alongside our easy-to-use platform for comparing quotes.Minimum car insurance requirements for liability and full coverage in Missouri
In Missouri, all drivers are obligated to carry
minimum liability coverage
and uninsured motorist coverage. But the choice to obtain full coverage, which can provide enhanced protection for both driver and vehicle, depends on individual circumstances and personal wants. Cheapest minimum liability coverage in Missouri
Missouri’s minimum car insurance requirements
include $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $10,000 in property damage liability coverage per accident. This amount of coverage is more simply expressed as 25/50/10.Additionally, drivers must also carry at least $25,000 per person and $50,000 per accident in
Missouri uninsured motorist bodily injury coverage (UMBI)
. With Jerry's assistance, car owners in Missouri have successfully secured the required minimum liability coverage at a reduced expense.
Mabel (31 years old)
$109
per month
Jonathan (43 years old)
$97
per month
Brian (42 years old)
$195
per month
Do you need more than the minimum liability insurance coverage in Missouri?
Generally speaking: yes. If you can afford it, you will be better served by a policy that includes higher coverage limits.
Put simply, once your insurance limits have been exhausted, your provider won’t offer additional assistance for accident-related expenses. This means that you may be responsible for covering any remaining costs out-of-pocket.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage Missouri auto insurance quotes
To protect yourself from expenses related to vehicle repairs or replacements, a
full coverage car insurance policy
is highly recommended.Full coverage policies generally include
comprehensive
and collision coverage
, in addition to meeting your state's minimum insurance requirements. Comprehensive coverage addresses costs associated with non-collision incidents such as theft or vandalism, while collision coverage takes care of repairs to your vehicle following an accident.Given the additional protection they provide, full coverage policies are typically required by lenders on financed or leased vehicles. While a full-coverage premium may entail higher upfront costs, the added peace of mind may justify the additional expense.
Discover how Jerry's agents have helped customers find the most budget-friendly full coverage policies:
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $103 | Agnes, 69 Durham, MO | Chevrolet Trax LS |
• State Minimum Liability • Comp / Collision | Travelers | $171 | Christopher, 57 Mountain Grove, MO | Chevrolet Trailblazer LS |
• 50,000/100,000 Liability • Comp / Collision | Nationwide | $181 | Lenora, 36 Lees Summit, MO | Mitsubishi Galant ES Medium |
• 100,000/300,000 Liability • Comp / Collision | Allstate | $337 | Lewis, 45 Hazelwood, MO | GMC Terrain SLT |
• State Minimum Liability • Comp / Collision | AAA | $179 | Clarence, 26 Mountain Grove, MO | Ford Escape S |
Last Updated Sep 15, 2024Average rates for minimum liability coverage and full coverage car insurance in Missouri
Jerry's experience with Missouri policyholders shows that drivers in the Show-Me State pay more for car insurance coverage than the national average.
Specifically, the estimated cost of full coverage insurance in Missouri is around $161 per month, or $1,933 per year. Minimum liability insurance, on the other hand, costs approximately $126 per month, or $1,511 per year.
Insurance averages may be useful in helping you predict your own insurance costs—but keep in mind that exactly what you pay for coverage will come down to personal factors, such as your demographics, discount eligibility, location, and more.
Missouri car insurance: Additional coverages
Drivers can enhance their level of protection by purchasing supplementary coverages for an additional premium. Important optional types of car insurance in Missouri include:
- Medical payments
- Personal injury protection (PIP)
- Rental reimbursement
- Uninsured/underinsured motorist coverage (UM/UIM)
Note that uninsured motorist coverage is a legal stipulation for all drivers in Missouri—but purchasing higher coverage limits is usually a good idea.
If you drive a leased or financed car, you should consider purchasing
gap coverage
. This type of insurance provides financial protection by covering the “gap” between your remaining loan balance and the actual cash value of your vehicle, in the event that the car is lost or stolen. On the other hand, if you find yourself frequently borrowing or renting vehicles, a
non-owner car insurance
policy may be a better choice. This type of policy provides you with liability coverage regardless of the vehicle you are driving—although it won’t cover repairs to the vehicle. How Do Different Factors Impact Your Car Insurance Costs in Missouri?
How Do Different Factors Impact Your Car Insurance Costs in Missouri?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Missouri currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Missouri:
Cheapest Missouri car Insurance after a driving violation
As one of the primary rating factors impacting your car insurance costs, your
Missouri driving record
holds significant weight. Insurance companies deem individuals with a history of violations as higher-risk policyholders, leading to potential increases in insurance costs.Cheapest car insurance for Missouri drivers with a speeding ticket
Receiving a speeding ticket can have a negative impact on your car insurance rates. In Missouri, car insurance costs can jump as much as 17% following a speeding violation.
Jerry has successfully assisted drivers with various speeding tickets in saving on their car insurance premiums.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $291 | Jacob, 20 Independence, MO | • 50,000/100,000 Liability • Comp / Collision |
Speeding 6-10 | Safeco | $115 | Vincent, 53 Saint Joseph, MO | • 50,000/100,000 Liability • Comp / Collision |
Speeding 11-15 | Bristol West | $591 | Alfred, 28 Saint Louis, MO | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | Travelers | $161 | Gregory, 35 Lees Summit, MO | • 100,000/300,000 Liability • Comp / Collision |
Speeding 21+ | Bristol West | $207 | Claudia, 63 Lees Summit, MO | • State Minimum Liability |
Last Updated Sep 14, 2024Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Always helpful
Walter
Best insurance company
Javon
Love their service
Tierra
The General is affordable and will work with you on your monthly payments.
Curtis
How to find cheap Missouri auto insurance after a DUI
In Missouri, a DUI conviction can seriously impact your insurance rates. Insurers categorize drivers with DUI convictions as high-risk and may charge steep rates for coverage—or choose not to insure you at all.
Having a
Missouri DUI offense
on your record can mean you see lots of variations in auto insurance rates among different insurance companies. Jerry has helped many drivers find the best coverage options following a DUI: Alan (32 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Villa Ridge, MO$156
per month
Calvin (34 years old)
$96
per month
Clearcover
Brian (68 years old)
$77
per month
Missouri SR-22 insurance
Drivers who have serious traffic violations on their record, such as reckless driving or a DWI/DUI charge, may need to obtain
Missouri SR-22 insurance
before reinstating their driver's license in Missouri. SR-22s are documents that prove that you possess the necessary liability insurance mandated by the state of Missouri.Cheapest Missouri auto Insurance after an at-fault accident
Similar to your driving record, your accident history also holds a significant influence over your car insurance rates.
Insurance companies will take into account your history of at-fault accidents to assess the level of risk you pose. Recent at-fault accidents could result in considerable increases in insurance rates.
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $154 | Glenn, 29 Florissant, MO | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Travelers | $149 | Eugenia, 22 Grain Valley, MO | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Nationwide | $222 | Louise, 33 Saint Louis, MO | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $138 | Elijah, 51 Saint Louis, MO | • State Minimum Liability • Comp / Collision |
At Fault With Injury | Clearcover | $115 | Hallie, 31 Springfield, MO | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Sep 17, 2024FAQs
Is Missouri an “at-fault” state?
Yes, Missouri is an at-fault state.
Missouri’s car accident laws
dictate an "at-fault" system that requires drivers deemed at fault in an accident (along with their insurance providers) to bear financial responsibility for any property damages and/or bodily injury expenses resulting from an accident.If you find yourself the victim of a car collision in Missouri, you have a few options to consider:
- File a claim with your own insurance company, especially if your policy covers the costs of damages sustained. If you are not at fault, your insurance provider may proceed with a subrogation claim against the insurance provider of the driver responsible for the accident.
- File a third-party claim with the insurance provider of the at-fault driver.
- Initiate a personal injury lawsuit against the driver who was at fault for the accident.
Regardless of how you proceed, investing in additional coverages like personal injury protection (PIP) can help protect you from paying out-of-pocket.
Cheapest auto insurance after other violations in Missouri
There are various different types of driving violations that can result in increased car insurance expenses in Missouri. The good news is, Jerry has helped drivers reduce their car insurance costs even after receiving driving violations.
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $113 | Elsie, 26 Saint Robert, MO | Honda Civic LX | • State Minimum Liability |
Cell Phone | Progressive | $226 | Isabel, 28 Kansas City, MO | GMC Sierra K1500 SLT | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Travelers | $181 | Jeremiah, 38 Louisiana, MO | Chevrolet Cobalt LS | • 100,000/300,000 Liability • Comp / Collision |
DUI | Safeco | $160 | Dollie, 31 Villa Ridge, MO | KIA Sportage LX | • 50,000/100,000 Liability • Comp / Collision |
Eluding Police | Progressive | $62 | Callie, 32 Union Star, MO | Chevrolet Equinox LT | • State Minimum Liability |
Failure to Obey Signal | Nationwide | $147 | Charles, 25 Kansas City, MO | Ford F250 | • State Minimum Liability • Comp / Collision |
Illegal Turn | Bristol West | $165 | Chad, 34 Kansas City, MO | Jeep Commander Limited | • State Minimum Liability |
Improper Passing | Clearcover | $74 | Gordon, 47 Mineral Point, MO | Chevrolet Impala LTZ | • State Minimum Liability |
Leaving scene of an Accident/Hit and Run | Bristol West | $62 | Nathaniel, 49 Higginsville, MO | Ford Escape SE | • State Minimum Liability |
Open Container | Progressive | $83 | Cornelia, 24 Columbia, MO | Toyota Highlander LE | • State Minimum Liability • Comp / Collision |
Racing/Drag Racing | Progressive | $114 | Amy, 42 Belton, MO | Cadillac SRX Premium Collection | • State Minimum Liability |
Speeding Violation-Major | Safeco | $271 | Katherine, 37 Columbia, MO | Hyundai Venue SEL | • 100,000/300,000 Liability • Comp / Collision |
Speeding Violation-Minor | Allstate | $202 | Dollie, 34 Lees Summit, MO | Dodge Journey SE | • 50,000/100,000 Liability • Comp / Collision |
Suspension | Travelers | $149 | Lucinda, 34 Saint Louis, MO | Jeep Patriot Latitude | • 50,000/100,000 Liability • Comp / Collision |
Vehicle Theft | Clearcover | $152 | Milton, 35 De Soto, MO | RAM 1500 ST | • State Minimum Liability • Comp / Collision |
Wrong Way/Wrong Lane | Safeco | $110 | Cornelia, 35 Saint Peters, MO | Ford Mustang | • 50,000/100,000 Liability • Comp / Collision |
Other Major | State Auto | $86 | Stephen, 45 Neosho, MO | Ford F350 SRW Super Duty | • State Minimum Liability • Comp / Collision |
Last Updated Sep 15, 2024Cheapest Missouri auto insurance based on insurance history
Your insurance history, like your driving record, is a significant rating factor in the eyes of insurance companies. Specifically, insurers will look at how long you have been insured and whether you’ve experienced any
lapses in coverage
. Danny (81 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Bloomfield, MO$105
per month
Frederick (44 years old)
Not Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Hazelwood, MO
GMC Terrain SLT$337
per month
Aiden (34 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Black Jack, MO$290
per month
Clearcover
Ian (54 years old)
$140
per month
Leonard (45 years old)
$106
per month
Cheapest car insurance for drivers with poor credit
Your credit score can mean the difference between higher or lower insurance costs.
While having bad credit doesn't necessarily imply being a bad driver, it can still lead to higher insurance rates. That’s because insurance providers have noticed a connection between lower credit scores and a higher likelihood of filing claims.
Consequently, having a lower credit score can result in increased annual premiums. Based on our data, drivers with poor credit scores (below 550) typically face car insurance rates that are roughly 20% higher compared to those with credit scores above 750.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $111 | Derek, 30 Saint Charles, MO | Toyota Camry L | • State Minimum Liability • Comp / Collision |
660 - 750 | Safeco | $102 | Gertrude, 33 Saint Louis, MO | Toyota 4runner Sr5/sr5 Premium | • State Minimum Liability • Comp / Collision |
550 - 659 | Nationwide | $176 | Helen, 37 Kansas City, MO | KIA Forte FE | • State Minimum Liability • Comp / Collision |
< 550 | Allstate | $201 | Laura, 42 Kansas City, MO | Nissan Altima 2.5 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Sep 12, 2024Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I've always used Jerry to get my car insurance. Get your quotes in minutes and always provides the best deals. Thank you Jerry.
Trinity
Amazing app!
Darion
Easy to get insured, top quality service and excellent coverage
Mitchell
The app was very easy to maneuver around. There was great customer service. I got the best offer I could find calling around.
Tosha
Cheapest Missouri car insurance by age
In Missouri, teenage drivers face higher car insurance costs compared to any other age group in the state. Seniors over the age of 60 may also notice higher rates.
Cheapest Missouri car insurance for young drivers
Elevated
insurance rates for new drivers
are partly due to teen drivers’ limited driving history, along with increased risks of accidents. As teenage drivers mature into young adults, however, their rates gradually start to decline.When it comes to novice drivers hitting the road, a full coverage policy can provide the best protection. Jerry specializes in assisting teen drivers locate the most affordable options for full-coverage policies.
Eleanor (22 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Lees Summit, MO$334
per month
Cheapest Missouri car insurance for senior drivers
Similar to teenage drivers,
car insurance rates for senior drivers
are typically higher than the national average. Insurers consider senior drivers high-risk because:- Senior drivers have a higher likelihood of being involved in car accidents
- Accidents involving senior drivers typically result in more severe injuries and increased medical expenses
Clearcover
Sue (86 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Saint Louis, MO$97
per month
How to find car insurance discounts in Missouri for your motor vehicle
Another key rating factor for your insurance premium is the type of car you drive. Costs associated with the type of car you drive include repair or replacement expenses, the likelihood of theft, and the overall safety track record of the vehicle.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Accord EX | Progressive | $101 | Nina, 29 Columbia, MO | • 50,000/100,000 Liability • Comp / Collision |
| Ford Explorer Eddie Bauer | Allstate | $69 | Mina, 38 Branson, MO | • State Minimum Liability |
| Toyota Corolla | Allstate | $106 | Hallie, 65 Lees Summit, MO | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Sep 17, 2024Is it cheaper to insure a new car or a used car?
Newer vehicles often come with pricier repair costs—which can be reflected in higher insurance costs. For this reason, older or used vehicles are typically cheaper to insure.
Amanda (32 years old)
$107
per month
Derek (48 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Saint Joseph, MO$70
per month
Fred (34 years old)
$78
per month
Curtis (59 years old)
$74
per month
Rose (71 years old)
2005 Toyota Highlander Limited
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Kansas City, MO$87
per month
How to find cheap car insurance in Missouri in your city
Where you live can also impact your insurance premium—right down to your zip code. Insurance companies consider factors including population density, accident rates, crime stats, and weather conditions when calculating your premium.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Chillicothe, MO | Mabel, 31 | Progressive | $109 | Chevrolet Silverado K1500 LT | • State Minimum Liability |
| Independence, MO | Jesse, 43 | Travelers | $159 | Toyota Prius | • 100,000/300,000 Liability • Comp / Collision |
| Mountain Grove, MO | Derek, 26 | AAA | $179 | Ford Escape S | • State Minimum Liability • Comp / Collision |
| Hazelwood, MO | Emily, 45 | Allstate | $337 | GMC Terrain SLT | • 100,000/300,000 Liability • Comp / Collision |
| Joplin, MO | Austin, 48 | Safeco | $153 | GMC Sierra K1500 Denali | • 100,000/300,000 Liability • Comp / Collision |
| Fenton, MO | Harriet, 57 | Bristol West | $81 | Cadillac CTS | • State Minimum Liability |
| Saint Joseph, MO | Bobby, 54 | Clearcover | $140 | Toyota RAV4 HV LE | • State Minimum Liability • Comp / Collision |
| Arnold, MO | Aaron, 62 | State Auto | $104 | Chevrolet Silverado C1500 | • State Minimum Liability |
| Independence, MO | Brian, 42 | National General | $195 | Chevrolet Equinox LT | • State Minimum Liability • Comp / Collision |
| Cape Girardeau, MO | Alice, 32 | Infinity | $68 | Nissan Versa SR | • 15,000/30,000 Liability |
| Blue Springs, MO | Joshua, 31 | The General | $210 | Jeep Compass Sport | • State Minimum Liability |
| Kirkwood, MO | Leona, 43 | Dairyland | $137 | KIA Optima LX | • State Minimum Liability |
| Union, MO | Oscar, 25 | Assurance America | $80 | Nissan Maxima S | • State Minimum Liability |
Last Updated Sep 17, 2024How to lower the cost of car insurance in Missouri
If you’re unhappy with the rate you currently pay for car insurance coverage, you’re not out of luck. There are a variety of ways you can lower your insurance costs in Missouri:
- Compare quotes from three to five insurance companies to find the best deal
- Bundle your auto insurance with other types of coverage, such as yourhomeowner’s insurance, to receive a discounted rate on each policy
- Work on improving/maintaining a good credit score (650+)
- Consider choosing a higher deductible on your collision and comprehensive coverages
- Ask your provider about insurance discounts. Popular available discounts include good driver, good student, and low annual mileage discounts
- Take an approved defensive driving course to earn a discount on your premium
- Consider dropping collision and comprehensive coverage on older or rarely driven vehicles
Why is car insurance so expensive in Missouri?
Your car insurance costs in Missouri may feel expensive due to:
- High population density cities
- Many uninsured drivers on the roads
- Expensive healthcare costs
- Increased repair costs
- Greater highway density (i.e. number of cars on the road)
- Rate of car thefts
FAQs
What are Missouri’s car insurance requirements?
Drivers in Missouri must carry the following minimum coverages: $25,000 per person and $50,000 per accident in bodily injury liability, and $10,000 per accident in property damage liability. This coverage is commonly expressed to as 25/50/10 coverage.
In addition, Missouri drivers are also obligated to carry a minimum of $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage (UMBI).
What is the average cost of car insurance in Missouri?
In Missouri, the average monthly cost for minimum liability coverage is $X, or $X per year. The average monthly cost for full coverage, on the other hand, is $X per month, or $X per year.
What is the recommended level of coverage in Missouri?
We recommend raising your level of liability coverage from Missouri’s 25/50/10 to 100/300/100—$100,000 bodily injury liability coverage per person, $300,000 bodily injury liability per accident, and $100,000 property damage liability coverage per accident.
In most cases, it’s also advisable to add comprehensive and collision coverages so any damages to your own vehicle will be covered after an at-fault accident.
What company has the cheapest rates in Missouri?
When it comes to finding cheap auto insurance, there’s no single company that can offer the lowest rates. The cost of car insurance in Missouri is determined by personal rating factors including your driving history, age, location, vehicle type, and more.
That’s why personal finance experts suggest shopping around for rates with different providers. You should compare a minimum of three to five quotes in order to ensure you get the best price.
Does insurance follow the car or the driver in Missouri?
In most cases, your
auto insurance coverage will follow the car
. Insurance policies are usually attached to the vehicle you drive, and will extend coverage to any approved drivers of the vehicle. There are, however, some types of insurance that follow the driver—such as personal injury protection (PIP) and non-owners car insurance—but such coverage types are not required by law in Missouri. Individual drivers will have to pay an additional premium to include these types of coverage in their policies.
Is it illegal to drive without insurance in Missouri?
Yes. Missouri law clearly states that it is illegal to drive without liability insurance on your vehicle. If you’re pulled over by law enforcement, you’ll need to provide proof of insurance to avoid getting a ticket.
According to the Missouri Department of Revenue, a conviction for failure to show proof of insurance could result in the addition of demerit points to your license, mandatory supervised driving, or even a suspended driver’s license.
Do you need insurance to register a car in Missouri?
Yes, proof of insurance is required in order to register a vehicle in Missouri, along with proof of a valid state inspection. If you don’t already have a policy, it’s best to
obtain car insurance before buying a vehicle
. Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
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about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.