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Jerry Data & Research
Cheapest car insurance in Ellisville, Missouri (Apr 2024)
Cheapest car insurance in Ellisville, Missouri (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Ellisville, Missouri.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Andrea Barrett
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Ellisville
- Best car insurance companies in Ellisville
- Best cheap car insurance quotes in Ellisville
- Average cost of car insurance in Ellisville
- Car insurance quotes in Ellisville by rating factors
- How do different factors impact your car insurance costs in Ellisville?
- Cheap car insurance quotes in Ellisville after driving violations
- Cheap car insurance quotes in Ellisville by age
- Cheap car insurance quotes in Ellisville based on insurance history
- Cheap car insurance quotes in Ellisville for popular cars
- How to lower car insurance costs in Ellisville
- FAQ
- Methodology
- Meet our experts
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How to find the cheapest car insurance in Ellisville
Finding the cheapest
car insurance
in Ellisville, Missouri
, can be as easy as shopping around and comparing quotes from multiple providers. But with dozens of insurance companies, shopping around can seem like a big–and time-consuming–ask.Most drivers in Ellisville, Missouri pay an average of $89 per month for liability-only coverage, and $150 per month for full coverage. This makes the average rate in Ellisville 18% less less than the Missouri average.
Instead of requesting
car insurance quotes
from individual providers, the Jerry
app can simplify and streamline the process. Jerry will walk you through creating personalized driver profiles to help you find real (and free!) insurance quotes from the top providers in Ellisville. Take a look at the table below to see some of the cheapest auto insurance rates Ellisville, Missouri drivers found by shopping using the Jerry app.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $100 | Peter, 28 Zip: 63021 | GMC Sierra K1500 | • 100,000/300,000 Liability • Comp / Collision |
Clearcover | $109 | Sue, 31 Zip: 63021 | Acura TL Tech | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 18, 2024Best car insurance companies in Ellisville
Jerry’s nationwide insurance survey found that big-name carriers in Ellisville, like
State Farm
, which holds the largest market share in the state, were only rated 3.3/5.0 for policy cost satisfaction. Smaller insurers, such as ROOT, State Auto
, and The General
, received the highest reviews for cost satisfaction. The table below shows how Ellisville drivers ranked these and other insurance providers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.1 | 3.9 | 3.4 | 4.1 |
| Geico | 3.8 | 3.6 | 3.7 | 4.2 |
Liberty Mutual | 3.8 | 2.5 | N/A | 3 |
| USAA | 3.7 | 3.8 | N/A | 4.4 |
| State Farm | 3 | 2.8 | N/A | 3.6 |
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.
Best cheap car insurance quotes in Ellisville
Drivers in Ellisville must purchase car insurance that meets or exceeds
Missouri’s car insurance laws
. State laws only require drivers to purchase minimum coverage liability insurance and underinsured/uninsured motorist coverage. Still, many drivers buy additional coverage to protect them legally and financially in the event of an accident.Cheap minimum liability insurance quotes in Ellisville
Missouri’s minimum car insurance requirements are as follows:
- $50,000 in bodily injury liability per accident
- $25,000 per person and $50,000 per accident inuninsured motorist bodily injury coverage (UMBI)
With basic liability coverage and UMBI, you’re covered if you’re involved in an at-fault accident that causes bodily injury or property damage or an accident with an uninsured motorist that causes bodily injury.
Check out the table below to see some actual quotes Jerry found Ellisville drivers looking for a policy that meets the state minimum car insurance requirements.
Do you need more than minimum coverage in Ellisville?
Missouri’s minimum car insurance requirements are relatively low and can quickly be exhausted if you’re involved in an accident where someone (or multiple people) sustains serious injuries or a vehicle is totaled.
Increasing your liability limits to at least 50/100/50 (100/300/100 is even better) is the easiest way to avoid out-of-pocket expenses. Additionally, opting for a
full coverage policy
with higher liability limits can also provide coverage for physical damages and limit unexpected expenses.Cheap full coverage car insurance quotes in Ellisville
State minimum liability insurance protects you from at-fault expenses but doesn’t cover your costs—that’s where full coverage is needed.
That said, “full coverage” isn’t a type of policy—it’s an umbrella term that refers to any car insurance policy that includes liability coverage and physical damage coverage (comprehensive and collision insurance) which pays for repairs to your vehicle regardless of who or what caused the accident.
- Collision coveragepays for fixing or replacing your car after an accident with another vehicle or stationary object.
- Comprehensive coveragepays for repair or replacement costs of non-collision-related incidents, such as theft, vandalism, or natural disasters.
If you lease or finance your vehicle, your lender will likely require you to purchase comprehensive and collision coverage for the duration of your auto loan or lease. Full coverage is also needed if you want additional coverage to your policy, such as
towing and labor coverage
.Reminder: Collision and comprehensive coverage are both subject to deductibles. Increasing your deductible is one of the easiest ways to decrease your monthly payments—but make sure you can afford to pay your deductible upfront in the event of an accident.
It shouldn’t be a surprise that full coverage policies are more expensive thanks to additional protection, but you may be pleasantly surprised that they’re often not as expensive as you think.
Take a look at the table below to see the best rates Ellisville drivers found on full coverage policies using Jerry.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $100 | Peter, 28 Zip: 63021 | GMC Sierra K1500 |
• 100,000/300,000 Liability • Comp / Collision | Clearcover | $109 | Sue, 31 Zip: 63021 | Acura TL Tech |
Last Updated Apr 18, 2024
"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.
Average cost of car insurance in Ellisville
Ellisville drivers pay an average of $89 per month or $1,068 per year for minimum liability coverage. For full coverage, drivers pay around $150 per month or $1,800 per year.
Understanding these averages helps to estimate how much you’ll pay for car insurance—but remember, these are just averages. Auto insurance rates are highly individualized and are calculated using several rating factors that vary between companies. These factors include age, ZIP code, driving history, car make/model, claims record, and other demographics.
Car insurance quotes in Ellisville by rating factors
Your coverage selection is just one rating factor insurers use to
calculate your auto insurance premium
. Other factors that can influence your rates include:- Your driving record and claims history: Drivers with multiple violations or accidents on their record generally pay higher than average rates for car insurance.
- Your demographics: Your age, marital status, and more can also change the cost of your rates.
- Your credit score: Not all states allow credit score to be a determining factor for car insurance—but in states who do, a poor credit score can cause your rates to soar.
- Your location: Drivers living in high-traffic or crime-frequent areas often see higher premiums due to an increased likelihood of filing a claim.
- Your mileage: The more you drive, the more likely you are to get into a car accident, resulting in higher rates.
- Your vehicle’s make/model: Luxury and sports cars often have higher premium costs due to an increased risk of theft and more expensive parts.
How do different factors impact your car insurance costs in Ellisville?
How do different factors impact your car insurance costs in Ellisville?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Missouri currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Ellisville:
Cheap car insurance quotes in Ellisville after driving violations
Your
Missouri driving record
holds some of the most weight for insurers when determining your car insurance rates. Those with multiple violations, or even a single speeding ticket or accident, are a bigger risk for insurers, leading to higher insurance premiums. Some common violations that can increase premiums include:
- Speeding
- DUIs
- At fault accidents
- Driving without a license
- Driving with a suspended license
Cheapest car insurance in Ellisville after an at-fault accident
Like your driving record, your accident history also significantly affects your car insurance rates. Auto insurance companies consider your at-fault accident history to assess the level of risk you pose—the higher your risk, the higher your insurance costs.
If you’ve recently had an at-fault accident hit your driving record, Jerry can still help you save money.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $100 | Dorothy, 28 Zip: 63021 | GMC Sierra K1500 | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Progressive | $100 | Marie, 28 Zip: 63021 | GMC Sierra K1500 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Apr 19, 2024Cheapest car insurance in Ellisville after other driving violations
Speeding tickets, DUIs, and accidents aren’t the only violations that can increase car insurance rates. Other moving violations like
reckless driving
and driving with a suspended license can result in higher insurance premiums in Ellisville.The table below shows how other driving violations can affect insurance rates in Ellisville and how Jerry helped drivers save on their auto insurance with these offenses.
Cheap car insurance quotes in Ellisville by age
Age is another factor that profoundly influences car insurance rates—less experience behind the wheel means higher insurance premiums. Young (and new) drivers pay some of the highest insurance rates, while middle-aged drivers enjoy some of the lowest.
Cheap car insurance quotes in Ellisville based on insurance history
Your insurance history is another big rating factor in the eyes of insurers. Insurers offer better rates for drivers with a long, continuous insurance history, while those with a short insurance history or any
lapses in coverage
tend to see higher rates.Regardless of whether you’re a new driver with no insurance history or had a recent coverage lapse, Jerry can help you find an affordable car insurance rate on the best coverage.
Amy (28 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Ellisville, MO (Zip Code: 63021)
$100
per month
Clearcover
Jay (31 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Ellisville, MO (Zip Code: 63021)
$109
per month
Garrett (31 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Ellisville, MO (Zip Code: 63021)
$143
per month
Hettie (31 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Ellisville, MO (Zip Code: 63021)
$143
per month
Isabelle (28 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Ellisville, MO (Zip Code: 63021)
$100
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I was paying 220 for full coverage thru state farm but swapping over to clear cover I instantly started saving 100$ and they are easy to use!
Lane
I'm happy with the quote I was given from Progressive and Jerry's assistance I'm finding an insurance company with in my budget
Troy
This car insurance is so cheap! I love it and it was so convenient!! Paying is even convenient!
Addison
Just started coverage a couple days ago i already feel safe
Jamal
Cheap car insurance quotes in Ellisville for popular cars
Your vehicle’s make and model are important factors when calculating insurance rates. Luxury, sport, or high-performance vehicles have higher repair and/or replacement costs, adding up to an expense for insurers and, therefore, higher car insurance rates.
Check out the table below for the insurance costs for popular cars in Ellisville.
How to lower car insurance costs in Ellisville
1. Shop around and compare quotes
Finding the best rate on car insurance comes down to shopping around and comparing quotes from multiple providers. Since your personal driving profile and insurer criteria constantly change, you can also stay on top of the cheapest rates by comparing quotes from at least three insurance providers and shopping for new rates every six months.
The Jerry app helps simplify this process by pulling the top free quotes from 55+ insurance providers in under a minute to help you find the best coverage and rate—and it’s completely free!
2. Search for applicable car insurance discounts
Car insurance discounts
are one of the easiest ways to save on insurance. Every insurer offers them, but discounts vary between providers. Here are some of the most common ones:- Good or safe driver discounts: Insurers love to reward safe drivers, so you may notice a big drop in your premium if you avoid an accident for 3–5 years.
- Multi-vehicle discounts: If you have multiple vehicles at your address, insuring them under the same policy can earn you a discount on your premium.
- Telematics discounts: Telematics programs use an app or device to track your driving. Some insurers will give you a discount just for signing up, but most save the biggest discount for people who drive well during the test period.
- Good student discounts: Full-time high school or college students who maintain a B average may qualify for a discount to help reduce teen insurance costs.
- Bundling: Homeowners can bundle theirauto and home insurance(or auto and renters) is a simple way to reduce costs on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you have comprehensive and collision coverage on your policy, you can reduce your monthly premium by increasing your deductible—just be sure to choose a deductible you can afford to pay in the event of an accident.
FAQ
What’s the best car insurance in Ellisville?
Shopping for the best coverage at the best rate is important when looking for a policy, but coverage and price aren’t the only factors to consider—customer service is also important.
According to Jerry’s nationwide survey, AAA, Nationwide, and Liberty Mutual receive good ratings from Ellisville drivers. That said, the best provider will depend on what you need and value in an insurance company.
What’s the minimum car insurance in Ellisville, Missouri?
All Missouri drivers are required to carry at least $25,000 in
bodily injury liability
per person and $50,000 in bodily injury liability per accident, $10,000 in property damage liability
per accident, and $25,000 per person and $50,000 per accident in uninsured motorist bodily injury coverage
(UMBI)
.What’s the cheapest car insurance in Ellisville?
Purchasing coverage that meets the state minimum requirements will always be the cheapest. For Ellisville drivers, that means purchasing liability coverage (bodily injury and property damage) and uninsured motorist bodily injury coverage (UMBI). While minimum coverage is the cheapest, it doesn’t fully protect you in the event of an accident. For greater legal and financial protection, consider buying a full coverage policy.
What’s the cheapest car insurance company in Ellisville?
There is no single ‘cheap auto insurance company’ regardless of where you live. Rates are highly individualized and determined by several factors unique to each carrier. As such, rates from one provider will be different from the next. For example, USAA may provide a lower rate for military members, while GEICO might offer a better rate for seniors or drivers with a good credit score.
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
Andrea Barrett
Andrea Barrett is an insurance writer with five years of experience in writing and publishing. Andrea specializes in car insurance, maintenance, and brand reviews, and her mission is to create comprehensive and useful content readers can use to help lower their car-related expenses. Andrea has written nearly 1,500 articles for Jerry on topics ranging from first-time buyer programs to insurance costs and vehicle life expectancies.
Before joining Jerry, Andrea co-founded a successful health food business and created content for clients in the health and wellness industry.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
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.
*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.
