Cheap Car Insurance in Missouri for 2024 (Earn Savings With These 10 Companies)
Finding cheap car insurance in Missouri involves choosing from the top companies that offer rates starting at $30 monthly. State Farm, Geico, and Progressive lead the way by providing competitive rates, excellent customer service, and substantial discounts, helping drivers save while maintaining solid coverage.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
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.
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19,116 reviewsCompany Facts
Min Coverage in Missouri
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviewsCompany Facts
Min Coverage in Missouri
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsFinding cheap car insurance in Missouri means balancing cost with quality coverage, and this guide explores our top insurers to help drivers save the most. By comparing options, drivers can find tailored policies that suit their needs and budget.
Car insurance is a necessity for all drivers in Missouri. Whether you’ve just purchased a new car or you’ve been driving for years, having the right car insurance coverage can give you peace of mind and protect you financially in case of an accident.
Our Top 10 Company Picks: Cheap Car Insurance in Missouri
Company Rank Monthly Rates Bundling Discount Best For Jump to Pros/Cons
#1 $30 17% Local Agents State Farm
#2 $32 15% Online Savings Geico
#3 $35 12% Snapshot Program Progressive
#4 $36 10% Military Families USAA
#5 $37 19% Customizable Plans American Family
#6 $38 16% Regional Presence Shelter Insurance
#7 $40 13% Hybrid Cars Travelers
#8 $46 14% Flexible Options Liberty Mutual
#9 $48 15% Discounts Variety Farmers
#10 $52 18% Drivewise Program Allstate
In this article, we will explore the ins and outs of car insurance in Missouri, including the legal requirements, factors that affect your rates, tips on finding cheap car insurance, and a list of affordable car insurance companies in the state.
- Explore top companies for the cheapest car insurance in Missouri
- Look for discounts and savings options to reduce premiums
- Consider coverage needs to balance affordability and protection
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#1 – State Farm: Top Overall Pick
Pros
- Comprehensive Coverage Options: State Farm offers customizable coverage options like liability, collision, as mentioned on our article titled “Does State Farm car insurance cover rental cars when I am traveling out of town?
- Local Agents: State Farm’s wide network of local agents offers personalized service and tailored insurance solutions, making it a great choice for cheap car insurance in Missouri.
- Good Discounts for Safe Driving: State Farm offers discounts for maintaining a clean driving record and participating in safe driving programs.
Cons
- Higher Premiums for Young Drivers: State Farm’s higher rates for young drivers can make finding affordable options for cheap car insurance in Missouri a bit more challenging for this demographic.
- Limited Availability of Certain Discounts: Some discounts offered by State Farm may not be available in all areas, potentially reducing the overall savings for drivers in certain regions.
#2 – Geico: Best for Online Savings
Pros
- Competitive Rates: Geico consistently offers some of the lowest rates in the market, which is a major advantage for those searching for cheap car insurance in Missouri.
- Wide Range of Discounts: Geico offers various discounts for good drivers, multiple policies, and military service, find more details on our Geico auto insurance review.
- Strong Financial Stability: Geico is backed by Berkshire Hathaway, providing a strong financial foundation and reliability.
Cons
- Less Personalized Service: Geico’s online focus may lack the personalized support some drivers seeking cheap car insurance in Missouri prefer from local agents.
- Limited Customization Options: While Geico offers competitive rates, their policy customization options may be less flexible compared to some competitors.
#3 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program: Progressive’s Snapshot offers savings on cheap car insurance in Missouri. See our article, titled “How do I appeal an car insurance claim with Progressive?” for more information.
- Flexible Payment Options: Progressive offers a variety of payment options, including monthly, quarterly, and annual plans. This flexibility makes it easier to fit cheap car insurance in Missouri into different budgeting scenarios.
- Strong Customer Satisfaction Ratings: Progressive often receives high marks for customer satisfaction, which reflects their commitment to quality service and reliable claims handling.
Cons
- Higher Rates for Some Drivers: Progressive’s rates may be higher for certain drivers, such as those with less-than-perfect driving records.
- Complex Policy Structure: The range of coverage options and add-ons can sometimes make Progressive’s policy structure complex to navigate.
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#4 – USAA: Best for Military Families
Pros
- Exclusive to Military Families: USAA offers specialized insurance and discounts for military families, making it a top choice for those seeking cheap car insurance in Missouri within this group.
- Competitive Rates for Qualified Members: USAA offers cheap car insurance in Missouri for military families. See our article for discount titled “United Services Automobile Association (USAA)“.
- Robust Online Tools and Resources: USAA’s online tools and resources are highly regarded, providing convenient access to policy management and claims services.
Cons
- Eligibility Restrictions: USAA’s services are only available to military members, veterans, and their families, which limits access for the general population.
- Limited Non-Military Discounts: USAA may not offer as many non-military-related discounts compared to other providers, which could affect overall savings for eligible members seeking cheap car insurance in Missouri.
#5 – American Family: Best for Customizable Plans
Pros
- Customizable Coverage Plans: American Family provides customizable plans, letting customers tailor coverage to their needs which ideal for those seeking cheap car insurance in Missouri with personalized options.
- Innovative Insurance Products: American Family offers innovative features like adjustable coverage through a mobile app, making it ideal for those seeking modern, efficient cheap car insurance in Missouri.
- Discounts for Bundling Policies: American Family offers bundling discounts for cheap car insurance in Missouri. Learn more in “How to File a Car Insurance Claim With American Family.”
Cons
- Higher Premiums for Certain Vehicles: Some vehicles, especially high-performance or luxury models, may result in higher premiums with American Family.
- Complex Claims Process: The claims process with American Family can be complex and sometimes lengthy, which might be a drawback for those seeking a straightforward experience with their cheap car insurance in Missouri.
#6 – Shelter: Best for Regional Presence
Pros
- Strong Regional Expertise: Shelter Insurance has a deep understanding of local needs and conditions, providing tailored coverage for Missouri drivers.
- Personalized Service: Shelter is known for its personalized customer service and local agent interactions, offering a more hands-on approach to insurance.
- Flexible Coverage Options: Shelter offers customizable coverage options and add-ons. For more, check out our article “Can I bundle my Shelter Insurance car insurance with other policies?” to explore discount options.
Cons
- Limited National Presence: Shelter Insurance’s limited national presence may restrict access to some services and discounts, which could be a drawback for those seeking cheap car insurance in Missouri with wider availability.
- Potentially Higher Rates for Some Drivers: Shelter may have higher rates for drivers with certain risk factors or vehicle types, impacting the affordability of cheap car insurance in Missouri for those with higher-risk profiles.
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#7 – Travelers: Best for Hybrid Cars
Pros
- Strong Coverage for Hybrid Cars: Travelers provides specialized coverage for hybrid and electric vehicles, making it a top option for those seeking cheap car insurance in Missouri for eco-friendly cars.
- Discounts for Multi-Vehicle Policies: Travelers offers substantial discounts for insuring multiple vehicles, which is ideal for families or households with more than one car looking to save on cheap car insurance in Missouri.
- Innovative Safety Programs: Travelers gives discounts for safe driving, great for cheap car insurance in Missouri. See “Bundling Home and Auto Insurance With Travelers.”
Cons
- Higher Rates for Some High-Risk Drivers: Travelers may charge higher premiums for drivers with a history of accidents or violations, making cheap car insurance in Missouri less affordable for higher-risk drivers.
- Complex Policy Options: The range of coverage options and add-ons offered by Travelers can be complex, making it challenging for some customers to navigate.
#8 – Liberty Mutual: Best for Flexible Options
Pros
- Flexible Coverage Options: Liberty Mutual offers customizable plans, making it easy to find cheap car insurance in Missouri tailored to your needs.
- Accident Forgiveness: Liberty Mutual’s accident forgiveness program prevents your first accident from raising your premium, making it a strong choice for cheap car insurance in Missouri.
- Excellent Roadside Assistance:
Cons
- Higher Rates for Some Drivers: Liberty Mutual’s rates can be higher for drivers with less-than-perfect driving records or higher-risk profiles, potentially impacting the affordability of cheap car insurance in Missouri for these individuals.
- Limited Local Agent Presence: Liberty Mutual has a less extensive network of local agents compared to some competitors, which might affect personalized service for those seeking face-to-face interactions while looking for cheap car insurance in Missouri.
#9 – Farmers: Best for Discount Variety
Pros
- Wide Range of Discounts: Farmers offers numerous discounts, including those for safe driving, bundling policies, and even for being a good student.
- Strong Local Agent Network: With a robust network of local agents, Farmers offers personalized service and tailored insurance solutions.
- Good Customer Service Ratings: Farmers is a top choice for cheap car insurance in Missouri, recognized for reliable service and efficient claims. For details, see our article titled “What documentation do I need to file an car insurance claim with Farmers Insurance?“.
Cons
- Potentially Higher Premiums for Certain Vehicles: Farmers may charge higher premiums for certain high-risk or luxury vehicles, impacting the overall cost of cheap car insurance in Missouri for drivers with these types of cars.
- Complex Policy Structure: The range of coverage options and add-ons available through Farmers can be complex to navigate, which might be challenging for those seeking straightforward, cheap car insurance in Missouri.
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#10 – Allstate: Best for Drivewise Program
Pros
- Good Student Discounts: Allstate offers student discounts, making it ideal for families with young drivers in Missouri. For details, check our article titled “How do I renew my car insurance policy with Allstate?”.
- Local Agent Network: Allstate has a large network of local agents, offering personalized service and support tailored to individual needs.
- Strong Financial Stability: Allstate’s strong financial stability ensures reliable claims handling and long-term security for policyholders.
Cons
- Higher Rates for High-Risk Drivers: Allstate’s rates can be higher for drivers with poor driving records or high-risk profiles, potentially affecting the affordability of cheap car insurance in Missouri for these individuals.
- Less Competitive Pricing for Some Demographics: Allstate may not always offer the most competitive pricing compared to other providers, which could impact the overall cost of cheap car insurance in Missouri for some drivers.
Understanding Car Insurance in Missouri
Before we dive into finding cheap car insurance, it’s essential to understand the basics of car insurance in Missouri. Car insurance is a contract between you and an insurance company that protects you from financial loss if you’re involved in an accident.
Missouri Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $52 | $148 |
| $37 | $106 |
| $48 | $135 |
| $32 | $90 |
| $46 | $129 |
| $35 | $98 |
| $38 | $107 |
| $30 | $85 |
| $40 | $114 |
| $36 | $99 |
When it comes to car insurance in Missouri, there are specific requirements and options to consider. Reviewing insurance company reviews and ratings can provide valuable insights, helping you make informed decisions about your coverage.
The Basics of Missouri Car Insurance
Missouri law requires all vehicles to have liability insurance coverage. Liability insurance helps cover the costs of injuries and property damage to others if you’re found at fault in an accident.
Missouri Report Card: Car Insurance Discounts| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver | A+ | 30% | Geico, Liberty Mutual, American Family |
| Bundling | A | 25% | State Farm, Allstate, Progressive, Farmers |
| Good Student | A | 20% | State Farm, Nationwide, Travelers |
| Multi-Vehicle | A | 20% | State Farm, Allstate, Progressive, Geico |
| Defensive Driving | A | 10% | Geico, Allstate, American Family |
| Anti-Theft | B+ | 15% | Progressive, Farmers, Liberty Mutual |
| Low Mileage | B+ | 10% | Nationwide, Safeco, Travelers |
The minimum liability coverage required in Missouri is $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage.
However, it’s important to note that these are just the minimum requirements. Depending on your circumstances, it may be wise to consider higher coverage limits to protect yourself adequately.
In addition to liability coverage, you can also opt for additional types of coverage, such as:
- Collision Coverage: Covers damage to your vehicle in case of an accident.
- Comprehensive Coverage: Covers damage to your vehicle from non-collision incidents like theft, vandalism, or natural disasters.
- Uninsured/Underinsured Motorist Coverage: Protects you if you’re involved in an accident with a driver who doesn’t have enough insurance or no insurance at all.
Each of these coverages serves a specific purpose and can provide you with added peace of mind on the road. It’s worth considering your individual needs and budget when deciding which coverages to include in your policy.
5 Most Common Car Insurance Claims in Missouri| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 35% | $4,000 |
| Comprehensive | 25% | $1,500 |
| Property Damage | 20% | $3,200 |
| Bodily Injury | 15% | $15,000 |
| Uninsured Motorist | 5% | $12,500 |
Additionally, understanding what is car insurance “financial responsibility” law? can help ensure you meet the legal requirements for coverage and avoid potential penalties.
Legal Requirements for Car Insurance in Missouri
To legally drive in Missouri, you must carry proof of insurance with you at all times. If you’re unable to provide proof of insurance when requested by a law enforcement officer, you may face penalties, including fines and a suspended license.
Missouri Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Columbia | 4,800 | 4,100 |
| Independence | 3,900 | 3,200 |
| Jefferson City | 2,500 | 2,000 |
| Kansas City | 22,500 | 18,000 |
| Springfield | 7,200 | 6,500 |
| St. Louis | 25,000 | 20,500 |
For guidance on maintaining proper coverage and avoiding legal issues, refer to FreeAdvice in the media, which offers valuable tips on ensuring your insurance meets or exceeds state requirements.
Driving without proper insurance not only puts you at risk but also endangers others on the road.
When shopping for car insurance in Missouri, it’s advisable to compare quotes from multiple insurance providers to find the best coverage at the most affordable price. Factors such as your driving record, the type of vehicle you own, and your location can impact the cost of your premiums.
Additionally, some insurance companies offer discounts for safe driving habits, bundling multiple policies, or having certain safety features installed in your vehicle. Taking advantage of these discounts can help you save money while still maintaining adequate coverage.
Factors Affecting Car Insurance Rates in Missouri
When it comes to determining car insurance rates in Missouri, several factors come into play. Insurance companies consider these factors to assess the level of risk associated with insuring an individual driver. Understanding these factors can help you find ways to get more affordable car insurance.
Missouri, known as the “Show-Me State,” is home to a diverse range of drivers and vehicles. The state’s unique geography and climate contribute to the factors that influence car insurance rates.
Similarly, factors such as your lifestyle and health can impact your Life Insurance rates, emphasizing the importance of considering all aspects when choosing your coverage.
Age and Driving Experience
Younger drivers, especially those under the age of 25, generally face higher insurance rates due to their lack of driving experience. Insurance companies consider young drivers to be riskier due to their higher likelihood of being involved in accidents.
If you’re a new driver or a young driver, you can expect to pay higher premiums initially. However, with time and a clean driving record, your rates can gradually decrease, and you may qualify for the best car insurance for high-risk drivers as insurers reassess your risk level.
On the other hand, experienced drivers who have been behind the wheel for several years often enjoy lower insurance rates. Their proven track record of safe driving makes them less of a risk for insurance companies.
Vehicle Make and Model
Insurance companies take into account the make and model of your vehicle when determining your rates. Sports cars, high-performance vehicles, and luxury cars typically have higher insurance premiums due to their higher costs to repair or replace, and because they are more attractive targets for theft.
What are the penalties and punishments for vehicle theft? Depending on the state, vehicle theft can lead to serious legal consequences, including imprisonment, heavy fines, and a criminal record.
On the other hand, safe, affordable, and reliable vehicles usually come with lower insurance costs. Sedans, minivans, and compact cars that prioritize safety and fuel efficiency tend to have lower insurance rates.
The insurance industry closely monitors vehicle safety ratings and considers them while calculating premiums.
Driving Record and Claims History
Your driving record plays a significant role in determining your car insurance rates. If you have a history of speeding tickets, accidents, or other violations, insurance companies will consider you a higher risk and may charge higher premiums.
Car Insurance Discounts From the Top Providers in Missouri| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Club, Multi-Policy, Automatic Payment |
| Early-Bird, Loyalty, Good Student |
| Multi-Policy, Occupational, Homeownership |
| Multi-Policy, Multi-Vehicle, Good Student |
| Multi-Policy, New Car, Pay-In-Full |
| Pay-In-Full, Paperless, Continuous Insurance |
| Multi-Car, Safe Driver, Anti-Theft |
| Safe Driver, Anti-Theft, Defensive Driving |
| Multi-Policy, Homeownership, New Car |
| Multi-Policy, New Vehicle, Annual Mileage |
This is because a poor driving record suggests a higher likelihood of future accidents or claims. On the flip side, a clean driving record with no claims can earn you discounts and lower rates, potentially benefiting even those running a limited liability company by demonstrating responsible driving and reducing overall insurance costs.
Insurance companies reward responsible drivers who have demonstrated safe driving habits over an extended period. This emphasizes the importance of obeying traffic laws and practicing defensive driving techniques.
Missouri Report Card: Car Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Average Claim Size | B+ | Claims are generally average, keeping premiums stable |
| Weather-Related Risks | B | Moderate weather risks moderately affect premiums |
| Traffic Density | B- | Urban traffic density slightly impacts premiums |
| Uninsured Drivers Rate | C+ | A notable number of uninsured drivers raises costs |
| Vehicle Theft Rate | C | High theft rates contribute to increased premiums |
It’s important to note that insurance rates can also be influenced by factors such as your credit score, location, and annual mileage. Insurance companies consider these additional factors to assess the overall risk associated with insuring you as a driver.
Jimmy McMillan Licensed Insurance Agent
By understanding the various factors that affect car insurance rates in Missouri, you can make informed decisions to potentially lower your premiums.
Remember to compare quotes from multiple insurance providers to find the best coverage options that suit your needs and budget. Start comparing your quote by entering your ZIP code below.
Enter your ZIP code below to compare cheap insurance rates.
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Frequently Asked Questions
What factors affect car insurance rates in Missouri?
Several factors can affect car insurance rates in Missouri, including your age, driving record, type of car, location, and coverage options. Insurance companies also consider factors such as your credit score and marital status when determining your rates.
How can I find cheap car insurance in Missouri?
To find cheap car insurance in Missouri, you can start by comparing quotes from multiple insurance providers. Consider raising your deductibles, maintaining a good driving record, bundling your policies, and taking advantage of any available discounts.
Additionally, you can explore different coverage options to find the most affordable one for your needs. Enter your ZIP code to get your quotes.
What are the minimum car insurance requirements in Missouri?
In Missouri, the minimum car insurance requirements are 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 per accident.
Understanding “What is Car Insurance ‘financial responsibility’ law?” is crucial, as these are the minimum requirements, and it’s often recommended to have higher coverage limits for better protection.
Can I drive without car insurance in Missouri?
No, it is illegal to drive without car insurance in Missouri. All registered vehicles must have at least the minimum required liability coverage.
Failure to provide proof of insurance when requested can result in penalties, fines, license suspension, and even vehicle impoundment.
What is uninsured/underinsured motorist coverage?
Uninsured/underinsured motorist coverage is an optional coverage that protects you if you are involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damages.
It can help cover your medical expenses, lost wages, and other damages resulting from the accident. Enter your ZIP code to compare your quotes now.
How can I lower my car insurance rates in Missouri?
How do factors like weather and geography in Missouri impact car insurance rates?
Missouri’s varying weather, including tornadoes and heavy storms, can increase the risk of accidents and vehicle damage, leading to higher insurance rates.
Geographic factors like rural or urban living also impact rates, with urban areas typically having higher premiums due to increased traffic and accident likelihood.
What discounts are typically available for Missouri drivers with older vehicles?
Missouri drivers with older vehicles can often qualify for discounts on their insurance, especially if they drive fewer miles or maintain a clean driving record.
Insurers may also offer lower premiums for vehicles with fewer advanced technological features, which are cheaper to repair. start getting your quotes by entering your ZIP code below.
How does Missouri’s insurance rate compare with neighboring states like Kansas or Illinois?
What are the penalties for driving without car insurance in Missouri beyond fines and license suspension?
Beyond fines and license suspension, driving without insurance in Missouri can result in your vehicle being impounded. Additionally, drivers may face higher future insurance premiums after being caught without proper coverage.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent life insurance brokerage. His company specializes in life insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast...
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.
