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Jerry Data & Research
Cheapest car insurance in Maryland Heights, Missouri (Sep 2023)
Cheapest car insurance in Maryland Heights, Missouri (Sep 2023)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Maryland Heights.
Find Insurance Savings (100% Free!)
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Expert Insurance Writer and Editor
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 in Maryland Heights
- Best Car Insurance Companies in Maryland Heights
- Best cheap car insurance quotes in Maryland Heights
- Average cost of car insurance in Maryland Heights
- Car insurance quotes in Maryland Heights by rating factors
- How Do Different Factors Impact Your Car Insurance Costs in Maryland Heights?
- Cheap car insurance quotes in Maryland Heights after driving violations
- Cheap car insurance quotes in Maryland Heights by age
- Cheap car insurance quotes in Maryland Heights based on insurance history
- Cheap car insurance quotes in Maryland Heights for popular cars
- How to lower car insurance costs in Maryland Heights
- FAQ
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance in Maryland Heights
Car insurance in Maryland Heights costs about $148 per month for minimum liability coverage, and about $148 per month for full coverage insurance. Maryland Heights drivers pay 4% less the
Missouri
average. | Quote Date | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
September 23, 2023 | State Auto | $194 | Darrell, 40 Zip: 63043 | Hyundai Santa FE Sport | • State Minimum Liability • Comp / Collision |
September 23, 2023 | Bristol West | $195 | John, 25 Zip: 63043 | Toyota Camry | • State Minimum Liability |
September 17, 2023 | Gainsco | $193 | Ray, 30 Zip: 63043 | Chrysler 200 C | • State Minimum Liability • Comp / Collision |
September 15, 2023 | Progressive | $128 | Shane, 33 Zip: 63043 | Volvo XC60 B6 Inscription | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Sep 23, 2023How'd we get this data?
Real Insurance Agents
Jerry is one of the largest insurance agencies licensed in your state and has a team of 100+ licensed insurance agents dedicated to helping customers (7 days a week customer support).
Real Insurance Quotes
Jerry Insurance Agency works with 50+ insurance companies as their appointed broker. We are licensed in all 50 states (NPN: 18788611). Our evaluations are not influenced by insurance companies.
Real Insurance Companies
We spent over 200 hours analyzing data from 25 million+ real insurance quotes in the last year, to provide you with up-to-date insurance information.
Best Car Insurance Companies in Maryland Heights
There’s not one best car insurance company that offers the lowest rates to all drivers. Your individual car insurance quotes are based on your unique profile, which contains things like where you live, your age, your driving history, and in states like Missouri, even your credit score.
To make matters more complicated, each insurer has a different way of weighing the factors that go into that quote, so you could pay very different rates depending on which company you choose.
To make it easier to compare the cheapest car insurance companies, Jerry conducted the largest insurance carrier survey in the US, and the results might surprise you.
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
The table below shows how drivers in Maryland Heights rate different companies on a scale of 0 to 5.
| 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 Maryland Heights
To get the very cheapest insurance in Maryland Heights, you’d need to buy insurance that meets Missouri’s minimum liability insurance requirement.
But minimum liability can leave you financially responsible for thousands of dollars in medical bills and repair costs after an accident, and it won’t cover damage to your own car at all. We recommend upgrading your coverage limits to better protect yourself.
Cheap minimum liability insurance quotes in Maryland Heights
To drive legally in Maryland Heights, you’ll need insurance that meets the minimum coverage limits for bodily injury liability and property damage liability in Missouri.
- $25,000 per person and $50,000 per accident in bodily injury liability coverage
- $10,000 in property damage liability coverage per accident
- $25,000 per person and $50,000 per accident inMissouri uninsured motorist bodily injury coverage (UMBI)
Here are some examples of Maryland Heights car owners that Jerry recently assisted with obtaining minimum liability coverage.
Lucile (24 years old)
$183
per month
Darrell (40 years old)
$194
per month
Do you need more than minimum coverage in Maryland Heights?
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.
The bottom line: For better financial protection, consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Maryland Heights
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
- 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 | $128 | Shane, 33 Zip: 63043 | Volvo XC60 B6 Inscription |
• State Minimum Liability • Comp / Collision | Safeco | $165 | Jimmy, 51 Zip: 63043 | Nissan Rogue Sport S |
• State Minimum Liability • Comp / Collision | State Auto | $194 | Darrell, 40 Zip: 63043 | Hyundai Santa FE Sport |
• State Minimum Liability • Comp / Collision | Gainsco | $193 | Ray, 30 Zip: 63043 | Chrysler 200 C |
Last Updated Sep 23, 2023Because your rates can vary so much between providers, the best way to find the cheapest rates for the car insurance you need is to compare car insurance rates online.
Jerry,
a licensed broker
, has a free app that helps you compare car insurance quotes with ease—and our team of 100+ licensed insurance agents will make sure you get the best service when you need it.
"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 Maryland Heights
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 $148 per month, or $1,770 per year. Minimum liability insurance, on the other hand, costs approximately $148 per month, or $1,770 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.
Car insurance quotes in Maryland Heights by rating factors
Your car insurance premium is determined based on various rating factors. These factors are rooted in risk-related characteristics that include:
- Your driving record/ claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean driving record.
- Your demographics: Factors such as age, gender, and marital status can influence the cost of your insurance.
- Your location: St. Louis drivers and other city dwellers often encounter higher premiums, due to increased crime rates and higher population density in cities.
- Your mileage: Higher annual mileage can result in elevated insurance costs.
- The make/ model of your car: Luxury, sport, and high-performance vehicles typically come with higher rates for collision and comprehensive coverage, as replacement parts are often more expensive to procure.
How Do Different Factors Impact Your Car Insurance Costs in Maryland Heights?
How Do Different Factors Impact Your Car Insurance Costs in Maryland Heights?
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 abut the car insurance rating factors in Maryland Heights:
Cheap car insurance quotes in Maryland Heights after driving violations
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.- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Maryland Heights 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 | Car | Insurance Coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $128 | Mildred, 33 Zip: 63043 | Volvo XC60 B6 Inscription | • 50,000/100,000 Liability • Comp / Collision |
Not At Fault | Safeco | $143 | Mabel, 33 Zip: 63043 | Honda Accord EXL | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Allstate | $173 | Elsie, 23 Zip: 63043 | KIA RIO LX | • State Minimum Liability • Comp / Collision |
Last Updated Sep 24, 2023Cheapest car insurance in Maryland Heights after other driving violations
In addition to speeding tickets and DUIs, other violations such as
reckless driving
and driving on a suspended license can also cause your car insurance costs to increase in Maryland Heights.We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
Cheap car insurance quotes in Maryland Heights 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 car insurance in Maryland Heights 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.
Lucile (24 years old)
$183
per month
Cheap car insurance quotes in Maryland Heights 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
. Lena (33 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Maryland Heights, MO (Zip Code: 63043)$128
per month
Lula (51 years old)
$165
per month
Cordelia (40 years old)
$194
per month
Christian (33 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Maryland Heights, MO (Zip Code: 63043)$237
per month
Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I was paying 220 for full coverage thru state farm but swapping over to clear cover I instantly started saving 100$ 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 Maryland Heights for drivers with poor credit
In Missouri, 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 | $65 | Calvin, 25 Zip: 63043 | Ford Focus SE | • State Minimum Liability |
660 - 750 | Safeco | $143 | Rosa, 33 Zip: 63043 | Honda Accord EXL | • 50,000/100,000 Liability • Comp / Collision |
660 - 750 | Clearcover | $237 | Lois, 33 Zip: 63043 | Honda Accord EXL | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Gainsco | $268 | Clayton, 50 Zip: 63043 | Infiniti Q60 Premium | • State Minimum Liability • Comp / Collision |
< 550 | Gainsco | $193 | Lucy, 30 Zip: 63043 | Chrysler 200 C | • State Minimum Liability • Comp / Collision |
Last Updated Sep 24, 2023Cheap car insurance quotes in Maryland Heights for popular cars
The most popular car models for Missouri drivers are:
- Toyota Camry
- Chevrolet Equinox
- Honda Accord
- Ford F-150
- Toyota Corolla
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Corolla L | Progressive | $160 | Scott, 32 Zip: 63043 | • State Minimum Liability • Comp / Collision |
Last Updated Sep 23, 2023How to lower car insurance costs in Maryland Heights
1. Shop around and compare quotes
Every insurance company follows its own formula for setting premiums—and those formulas change constantly! To make sure you’re always paying the best rates for the car insurance coverage you need, experts recommend comparing quotes from at least three insurance companies. You should also shop for new rates every six months.
Sound like a lot of trouble? Luckily, Jerry makes it easy! In just 45 seconds, our app will deliver the most competitive quotes taken from our network of over 55 of the nation’s top insurance providers. Best of all? It’s free!
2. Hunt for car insurance discounts
Insurance companies all offer a
variety of discounts
, but they don’t all offer the same ones. Here are some of the most common:- Good 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.
- 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 students in either high school or college with a B average or better may be able to get a discount on their car insurance.
3. Increase your deductible for comprehensive and collision coverage
If you have comprehensive and collision coverage on your policy, you can lower your monthly premium by raising your deductible. Just make sure to choose a deductible you can reasonably expect to pay if there’s an accident.
FAQ
What is the best car insurance in Maryland Heights?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. AAA, Nationwide, and Liberty Mutual receive good ratings from Maryland Heights drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the cheapest car insurance in Maryland Heights?
Based on thousands of Maryland Heights drivers Jerry has worked with, car insurance in Maryland Heightscosts an average of $148 per month for state-minimum coverage and $148 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the cheapest car insurance in Maryland Heights?
Based on thousands of Maryland Heights drivers Jerry has worked with, car insurance in Maryland Heightscosts an average of $148 per month for state-minimum coverage and $148 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!
What is the minimum car insurance in Maryland Heights, 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)
. 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
Expert Insurance Writer and Editor
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.
*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.
