Best Car Insurance After a DUI in Missouri for 2024 (Top 10 Companies Ranked)
The best car insurance after a DUI in Missouri includes State Farm, Progressive, and Allstate, with starting rates as low as $32 per month from State Farm. These companies offer affordable coverage and excellent customer service, making them top choices for drivers with a DUI in Missouri.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Nov 4, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
Company Facts
Full Coverage After a DUI in Missouri
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage After a DUI in Missouri
A.M. Best Rating
Complaint Level
Pros & Cons
The top pick for the best car insurance after a DUI in Missouri is State Farm, known for its affordable and reliable coverage. Progressive and Allstate also rank highly, offering flexible policy options and strong customer service. Each company provides competitive coverage for drivers with a DUI, making them ideal choices when seeking affordable insurance.
Comparing these top three providers can help Missouri drivers find the best car insurance tailored to their needs after a DUI. Dive deeper into our “Save Money by Comparing Online Car Insurance Quotes” for a comprehensive understanding.
Our Top 10 Company Picks: Best Car Insurance After a DUI in Missouri
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 15% B Reliable Support State Farm
#2 12% A+ Coverage Options Progressive
#3 10% A+ Personalized Plans Allstate
#4 11% A+ Senior Focus The Hartford
#5 20% A+ Flexible Discounts Nationwide
#6 18% A Customizable Policies Farmers
#7 10% A Unique Discounts Liberty Mutual
#8 13% A Driver Programs American Family
#9 9% A++ Innovative Technology Travelers
#10 12% A Tailored Coverage Safeco
Finding affordable car insurance doesn’t have to be a challenge. Enter your ZIP code into our free comparison tool to find the lowest prices in your area.
- Missouri drivers with a DUI need companies offering flexible coverage options
- The best car insurance after a DUI in Missouri focuses on affordability and support
- State Farm is the top pick, providing reliable coverage and competitive rates
Missouri DUI Car Insurance Monthly Rates by Provider
If you have a DUI in Missouri, finding affordable car insurance can be challenging. Here’s a breakdown of monthly rates by provider for both minimum and full coverage levels:
Missouri DUI Car Insurance Monthly Rates by Provider and Coverage Level
Insurance Company Minimum Coverage Full Coverage
$71 $202
$64 $180
$63 $179
$67 $191
$53 $149
$40 $114
$102 $195
$32 $91
$90 $175
$84 $234
Car Insurance Discounts from the Top Providers for After a DUI in Missouri
Insurance Company Available Discounts
Safe Driver Discount, Multi-Policy Discount, New Car Discount, Anti-Theft Discount, Responsible Payer Discount
Multi-Vehicle Discount, Bundling Discount, Good Driver Discount, Loyalty Discount, Low-Mileage Discount
Multi-Policy Discount, Good Student Discount, Safe Driver Discount, Homeowner Discount, Occupational Discount
Multi-Policy Discount, Pay-in-Full Discount, Good Student Discount, Accident-Free Discount, Anti-Theft Device Discount
Multi-Policy Discount, Defensive Driving Discount, Accident-Free Discount, Paperless Billing Discount, SmartRide Discount
Multi-Car Discount, Continuous Coverage Discount, Good Student Discount, Homeowner Discount, Snapshot Safe Driver Discount
Multi-Policy Discount, Accident Prevention Course Discount, Low-Mileage Discount, Advanced Quote Discount
Good Driver Discount, Multi-Car Discount, Accident-Free Discount, Anti-Theft Discount, Drive Safe & Save Discount
Defensive Driving Course Discount, Bundling Discount, Vehicle Safety Features Discount, Accident-Free Discount
Multi-Policy Discount, Safe Driver Discount, Homeowner Discount, Continuous Insurance Discount, Hybrid/Electric Vehicle Discount
Understanding DUI and Its Impact on Car Insurance
To begin, it’s essential to understand the implications of a DUI conviction on your car insurance. DUI stands for driving under the influence, which typically refers to driving while impaired by alcohol or drugs. In Missouri, it is illegal to operate a motor vehicle with a blood alcohol concentration (BAC) of 0.08% or higher for individuals aged 21 and above.
What is DUI?
DUI, as mentioned earlier, stands for driving under the influence. It is a criminal offense that occurs when a person operates a motor vehicle while impaired by alcohol or drugs. When it comes to DUI, it’s not just alcohol that can lead to a conviction. The use of drugs, both legal and illegal, can also impair a person’s ability to drive safely.
Justin Wright Licensed Insurance Agent
This includes prescription medications that have warning labels regarding driving or operating machinery. It’s crucial to remember that DUI is not limited to alcohol consumption but encompasses any substance that impairs your ability to drive. The consequences of a DUI conviction can vary depending on the jurisdiction.
In some states, a first-time DUI offense may result in fines, license suspension, mandatory alcohol education programs, probation, or even jail time. Repeat offenses generally carry more severe penalties, including longer license suspensions, mandatory ignition interlock devices, and increased fines. Gain deeper insights by exploring our “Refusing a DUI Breathalyzer Test.”
Missouri’s DUI Laws and Penalties
Before diving into the search for car insurance after a DUI, it is crucial to understand Missouri’s DUI laws and penalties. Driving under the influence (DUI) is a serious offense in Missouri, and the state has implemented strict laws and penalties to deter individuals from engaging in this dangerous behavior.
Understanding these laws and penalties is essential for anyone facing a DUI charge or seeking to avoid such a situation.
Overview of Missouri’s DUI Laws
In Missouri, the legal limit for blood alcohol concentration (BAC) is 0.08% for individuals aged 21 and above. This means that if you are found operating a motor vehicle with a BAC above this limit, you can be charged with a DUI offense. It is important to note that even if your BAC is below the legal limit, you can still be charged with a DUI if your ability to drive is impaired due to alcohol or drugs.
For drivers under the age of 21, the legal limit is significantly lower at 0.02%. Missouri has adopted a zero-tolerance policy for underage drinking and driving, recognizing the increased risks associated with inexperienced drivers and alcohol consumption.
When it comes to DUI enforcement, Missouri law enforcement officers are authorized to conduct traffic stops and administer field sobriety tests if they suspect a driver is impaired. These tests may include a breathalyzer test to measure BAC levels or a standardized field sobriety test to assess physical and cognitive impairment.
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Evaluating Car Insurance Options After a DUI
After a DUI conviction, it is critical to evaluate your car insurance options to find the best coverage at affordable rates. This is because a DUI conviction can have a significant impact on your insurance premiums and coverage options. When it comes to choosing car insurance after a DUI, there are several factors that need to be carefully considered. One of the most important factors is the coverage limits.
Missouri Report Card: Auto Insurance Premiums
Category Grade Explanation
Affordability B Premiums are near the national average with slight regional variations
Coverage Options A- Offers a wide range of coverage plans with flexible add-ons
Customer Satisfaction B+ Positive overall, though some variability in customer service
Claims Process A Efficient claims processing with quick payouts
It’s crucial to ensure that your policy provides adequate coverage for both property damage and bodily injury liability. This is especially important considering the potential financial consequences of a DUI-related accident. Another factor to consider is the deductible amount. The deductible is the amount you have to pay out of pocket before your insurance coverage kicks in.
Tim Bain Licensed Insurance Agent
It’s important to choose a deductible that you can comfortably afford in the event of an accident. Keep in mind that a higher deductible usually means lower premiums, but it also means more out-of-pocket expenses if you have to file a claim. Customer service reputation is another crucial factor to consider when choosing car insurance after a DUI.
5 Most Common Auto Insurance Claims in Missouri
Claim Type Portion of Claims Cost per Claim
Rear-end Collisions 28% $3,500
Side-impact Collisions 21% $4,200
Single Vehicle Accidents 19% $5,300
Weather-related Damage 16% $3,600
Parked Car Damage 16% $1,400
Dealing with an insurer that has a reputation for excellent customer service can make the claims process smoother and less stressful. Reading reviews and seeking recommendations from friends and family can help you gauge an insurer’s customer service quality. Financial stability is also an important consideration. You want to choose an insurance company that is financially stable and has a strong track record.
This is particularly important after a DUI conviction, as some insurers may be hesitant to provide coverage or may charge exorbitant premiums. An insurer with a strong financial standing is more likely to offer competitive rates and be able to handle any claims that may arise.
Missouri Accidents & Claims per Year by City
City Accidents per Year Claims per Year
Columbia 7,000 5,800
Independence 8,500 7,200
Kansas City 30,000 26,000
Springfield 12,000 10,500
St. Louis 28,500 23,500
Finally, it’s essential to consider the insurer’s track record in handling DUI-related cases. Some insurance companies specialize in providing coverage to drivers with DUI convictions and may have more experience in dealing with these types of situations. It may be worth considering such insurers, as they may be more understanding and offer more tailored coverage options.
How to Compare Car Insurance Quotes
Once you have considered all the important factors, it’s time to compare car insurance quotes. Obtaining quotes from multiple car insurance companies is a wise move, as it allows you to compare rates and terms. This is particularly important for drivers with a DUI conviction in Missouri, as rates can vary significantly between insurers.
When comparing quotes, it’s important to pay attention to the coverage limits and deductibles offered by each insurer. Ensure that the quotes you receive are for the same level of coverage, so you can make an accurate comparison. Take note of any additional benefits or discounts that may be offered, as these can help lower your overall premium.
Missouri Report Card: Auto Insurance Discounts
Discount Name Grade Savings Participating Providers
Safe Driver Discount A 20% Geico, State Farm, Progressive
Multi-car Discount B+ 15% Allstate, Liberty Mutual, Farmers
Good Student Discount A- 10% State Farm, USAA, Geico
Anti-theft Device Discount B 7% Nationwide, Progressive, Allstate
Bundling Home & Auto A 24% State Farm, Allstate, Liberty Mutual
It’s also a good idea to research each insurer’s reputation and read reviews from other policyholders. This will give you an idea of their customer service quality and how they handle claims. Additionally, consider reaching out to friends or family who have had experience with car insurance after a DUI conviction.
They may be able to provide valuable insights and recommendations. By carefully evaluating your car insurance options and comparing quotes, you can find the best coverage at affordable rates after a DUI conviction. Remember to consider all the important factors and choose an insurer that meets your specific needs and requirements.
Find out more by reading our “First DUI: What You Should Know.”
Top Car Insurance Companies for Drivers with a DUI in Missouri
Tips to Lower Car Insurance Rates After a DUI
While securing car insurance after a DUI can be challenging, there are steps you can take to potentially lower your premiums.
Completing a DUI Education Program
Completing a DUI education program can demonstrate your commitment to responsible driving and may be rewarded with lower insurance premiums.
Maintaining a Clean Driving Record
Building a clean driving record post-DUI is crucial. Each year that passes without any traffic violations or accidents can improve your chances of obtaining lower car insurance rates.
Increasing Your Deductible
Consider increasing your deductible if you can afford to pay a higher portion out of pocket in case of an accident. A higher deductible usually results in lower monthly premiums. By following these tips and conducting thorough research, you can find the best car insurance for drivers with a DUI in Missouri.
State Farm provides the best car insurance rates and coverage for drivers with a DUI in Missouri.
Remember, it may take some time, but it is possible to regain affordable coverage even with a DUI conviction. Stay proactive, drive responsibly, and compare quotes to find the coverage that suits your needs. Discover what lies beyond with our “What happens if you get a DUI?”
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Frequently Asked Questions
What is the minimum car insurance required for drivers with a DUI in Missouri?
In Missouri, drivers with a DUI are required to have the same minimum car insurance as any other driver. This includes liability coverage of at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage.
Get a better grasp by checking out our article titled “DUI Court: What it is and How it Works.”
How does a DUI affect car insurance rates in Missouri?
Getting a DUI in Missouri can significantly impact car insurance rates. Insurance providers generally classify drivers with a DUI as high-risk, resulting in higher premiums. The exact increase in rates depends on various factors, including the driver’s prior record, age, vehicle type, and the insurance company’s policies.
Are there any specific car insurance companies in Missouri that specialize in covering drivers with a DUI?
While specific car insurance companies in Missouri may cater to high-risk drivers, there is no insurance provider solely dedicated to covering drivers with a DUI. However, some insurers may be more willing to offer policies to individuals with a DUI on their record, so it’s essential to shop around and compare quotes from multiple companies.
See how much you’ll pay for car insurance by entering your ZIP code into our free comparison tool.
Can I get my car insurance canceled or non-renewed if I have a DUI in Missouri?
It is possible for a car insurance company to cancel or choose not to renew your policy if you have a DUI in Missouri. Insurance providers have the right to reassess the risk of insuring an individual with a DUI on their driving record. However, keep in mind that every insurance company has its own policies, so it’s crucial to check with your specific provider to understand their stance on DUI-related coverage.
Are there any discounts available for drivers with a DUI in Missouri?
Unfortunately, drivers with a DUI in Missouri generally do not qualify for any specific discounts on car insurance. However, it’s still beneficial to discuss your situation with multiple insurance companies, as rates and discounts can vary. Accumulating a clean driving record over time can help lower your premiums in the future.
Expand your understanding with our article called “What defenses are there in a drunk driving case?“
Will a DUI in Missouri affect my ability to get car insurance in the future?
A DUI in Missouri can make it more challenging to find car insurance at reasonable rates in the future. Insurance providers consider a DUI as an indicator of high risk, and some companies may be hesitant to provide coverage. However, it is still possible to obtain car insurance, particularly through specialized high-risk insurance companies or by demonstrating an improved driving record over time.
What is the best car insurance for a DUI in Missouri?
State Farm offers the best car insurance for a DUI in Missouri, providing competitive rates and comprehensive coverage options.
How much is SR22 insurance per month in Missouri?
SR22 insurance in Missouri typically costs between $30 and $60 per month.
Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool to instantly compare quotes near you.
How long does a DUI stay on driving record in Missouri?
A DUI stays on your driving record in Missouri for 5 years.
For additional insights, refer to our “Out-of-State DUI Warrants.”
How many points is a DUI in Missouri?
A DUI adds 8 points to your driving record in Missouri.
What happens when you get your first DUI in Missouri?
For a first DUI in Missouri, you may face fines, license suspension, and mandatory alcohol education or treatment programs.
Do you lose your license for a DUI in Missouri?
Yes, you can lose your license for a DUI in Missouri, with suspension periods varying based on the severity of the offense.
How long does Missouri require SR-22 insurance?
Missouri typically requires SR-22 insurance for 2 years following a DUI.
Gain deeper understanding through our article entitled “Understanding a DUI Driver’s License Suspension.”
Does Missouri have a washout period for DUI?
Missouri does not have a formal washout period; prior DUIs remain relevant for repeat offenses.
Will a DUI show up on a background check in Missouri?
Yes, a DUI will show up on a background check in Missouri.
What is the difference between a DUI and a DWI in Missouri?
In Missouri, a DUI refers to driving under the influence of drugs or alcohol, while a DWI specifically refers to driving while intoxicated by alcohol.
Is Missouri strict on DUI?
Yes, Missouri has strict DUI laws and enforces them rigorously.
Find out more by reading our article titled “How long does a DUI stay on your record?“
How long does a DUI affect your insurance in Missouri?
A DUI can impact your insurance rates in Missouri for up to 5 years.
How long does a DUI stay on your record in Missouri?
A DUI remains on your driving record in Missouri for 5 years.
Can you drive after a DUI in Missouri?
You may be able to drive after a DUI in Missouri if you have fulfilled all legal requirements and have had your driving privileges reinstated.
How much is a DUI lawyer in Missouri?
A DUI lawyer in Missouri typically costs between $1,500 and $5,000, depending on the complexity of the case.
Broaden your knowledge with our article named “Drunk Driving Law.”
How to get out of a DUI in Missouri?
To potentially reduce or dismiss a DUI charge in Missouri, you would need to challenge the evidence, negotiate with prosecutors, or demonstrate legal issues with the arrest.
How much is SR22 insurance in Missouri?
SR22 insurance in Missouri generally costs between $30 and $60 per month.
What is full coverage insurance in Missouri?
Full coverage insurance in Missouri includes liability, comprehensive, and collision coverage.
What are the minimum liability limits for auto insurance in Missouri?
The minimum liability limits for auto insurance in Missouri are $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage.
Explore further with our article entitled “DUI Trial Tips.”
What is considered full coverage car insurance in Missouri?
Full coverage car insurance in Missouri typically includes liability, collision, and comprehensive coverage.
How much is liability insurance in Missouri?
Liability insurance in Missouri typically costs between $50 and $100 per month, depending on coverage levels and driving history.
Gain insights by reading our article titled “DUI and Expungement: Clearing Your DUI Record.”
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.