As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
From St. Louis to Kansas City, iconic Interstate-70 cuts directly through Missouri. Over 30,000 vehicles pass along this road every day.
With all those cars, it’s essential to have an auto insurance policy that best fits you and your lifestyle. Compare the cheapest and best quotes in the Show-Me State here.
Cheapest Car Insurance in Missouri
Here are the cheapest insurance companies in Missouri for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates the twenty most populous cities in Missouri to calculate the cheapest rates in Missouri.
Best Car Insurance in Missouri
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Missouri. For the complete list, see Insurify’s best car insurance companies.
Most Popular Car Insurance Companies in Missouri
According to the Insurance Information Institute (III), these are the most popular car insurance companies in Missouri by market share:
- State Farm
- American Family
- Liberty Mutual
Cheapest Car Insurance Quotes in Missouri by City
Auto insurance costs will vary between locations and insurance companies. Insurify analyzed the latest data for five of the most populous cities in Missouri to find you the cheapest quotes in each of these metropolitan areas.
|Kansas City||Direct Auto||$82/month|
|Lees Summit||Direct Auto||$59/month|
Cheapest Car Insurance Quotes in Missouri by Profile
Here are the cheapest insurance companies in Missouri based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.
USAA will almost always offer Missouri residents the cheapest auto insurance options, but members must be retired or current personnel of the U.S. military.
Cheap Car Insurance for Good Drivers
For Missouri drivers with a clean record free of any moving violations, auto insurance rates may be significantly lower. Direct Auto offers the best options for good drivers in Missouri, at $52 a month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Cheap Car Insurance for High-Risk Drivers
High-risk drivers in Missouri, including those with one or more traffic violations, may have to pay more for their car insurance premiums. High-risk drivers tend to have higher monthly premiums than the national average. Cameron Mutual Group offers the best deal for drivers with a DUI at $36/month. For drivers with at-fault accidents on their driving record or a history of speeding, USAA offers the lowest premiums at $28/month and $24/month respectively.
Cheap Car Insurance for Drivers with DUI in Missouri
Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
Here are the best rates we could find for Missouri drivers with a DUI:
|Cameron Mutual Group||$36/month|
|Farm Bureau Financial||$40/month|
Cheap Car Insurance for Drivers with an At-Fault Accident in Missouri
The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness, you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three.
Here are the best rates we could find for drivers with one at-fault accident:
|Farm Bureau Financial||$31/month|
|Cameron Mutual Group||$36/month|
Cheap Car Insurance for Speeding Drivers in Missouri
The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game.
The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
|Farm Bureau Financial||$28/month|
|Cameron Mutual Group||$36/month|
Cheap Car Insurance for Young Drivers
If you’re under 40 years old in the state of Missouri, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA Insurance offers the cheapest car insurance rates for young drivers, averaging $18 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.
Insurance Company Quote
Farm Bureau Financial $28/month
State Farm $35/month
Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.
Cheap Car Insurance for Foreign Drivers
To legally drive in Missouri as a non-U.S. citizen, you’ll need to make sure you have a few necessary items.
First and foremost, foreign drivers must hold a valid driver’s license from their home country. You’ll also need an International Driving Permit, or IDP. An IDP is not a driver’s license, but simply a translation of your permission to drive in your home country. Both forms of documentation must be present to prove your permission to drive in the United States. IDPs must be obtained in your home country.
In addition to a driver’s license, foreign drivers must purchase car insurance before driving in Missouri. For long-term driving in the States, it will be necessary to purchase traditional car insurance. For the cheapest car insurance options that are personalized to you, use Insurify to compare quotes.
Car Insurance for Drivers with Poor Credit
Unfortunately, it can be challenging to find cheap car insurance in Missouri if you have a poor credit score.
Missouri car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder, meaning they can increase your insurance rates if you have bad credit.
Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing the insurance premiums of bad credit drivers to account for the increased risk. Car insurance premiums fluctuate based on many factors, not just credit score, based on where you live in Missouri. Good credit can save you a whole lot of cash in the long run.
Car Insurance Coverage for Undocumented Immigrants in Missouri
Missouri is home to over 50,000 undocumented immigrants. Unfortunately, the state of Missouri will not issue a driver’s license to an individual without proper documentation. Without a driver’s license, car insurance cannot be properly obtained. Most will have to find an insurance company that will allow them to enroll without one, which will likely result in significantly higher premiums.
Missouri Auto Insurance Laws
State Minimum Car Insurance Coverage in Missouri
All motor vehicles operated or parked on Missouri roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:
- $25,000 per person/$50,000 per accident for Bodily Injury (BI)
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Missouri state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Missouri law.
- $10,000/accident for Property Damage (PD)
The state minimum amount of property damage liability coverage required in the state of Missouri is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Uninsured and underinsured motorist coverage are required in Missouri. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Missouri, the legally required level of Uninsured Motorist coverage is:
- $25,000 per person/$50,000 per accident for Bodily Injury
Uninsured/underinsured motorist coverage is recommended in the state of Missouri through the forms of:
Optional Supplemental Coverage
Comprehensive coverage and collision coverage pay for repairs to your car when it’s involved in an accident or stolen. Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.
Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision.
Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”
Work Loss Coverage provides individuals and families funding if they are unable to work after an accident due to injury. Work Loss Coverage may be used in conjunction with Short Term Disability coverage.
Accidental Death Benefits provide monetary compensation to the family of a deceased driver or passenger due to a car accident, up to $25,000.
Funeral Benefits can be used to reimburse a family for funeral service costs up to $25,000.
Am I liable if I cause a car accident in Missouri?
Missouri abides by an at-fault auto insurance system, meaning injured drivers can file a claim with the at-fault driver’s insurance company or their own.
The at-fault driver will be responsible for financial harm, which their insurance company usually covers, up to their predetermined policy limits.
AAA Car Insurance and Roadside Assistance In Missouri
Locked your keys in the car? Battery dead? Flat tire? If you’ve ever found yourself in this situation, you’ve probably relied on the American Automobile Association (AAA), for roadside assistance. But did you know that AAA also offers automobile insurance for Missouri drivers?
Divided into regional clubs, AAA operates throughout Missouri. To find out which independent agents operate AAA insurance in your region, visit AAA’s website and search using your ZIP code.
Distracted Driving in Missouri
Using wireless devices is still legal in Missouri. Missouri is one of two remaining states that have yet to outlaw texting and driving.
For drivers under 21, texting and driving is illegal, but legal for everyone else. As a matter of safety, even though you may not be punished, it is advised that individuals abstain from distracted driving.
SR-22 Insurance in Missouri
If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Missouri on your behalf. Missouri‘s state licensing authority will inform drivers if they require SR-22 insurance. If you’ve been convicted of a DUI, DWI, moving violation, or other serious offense, you may be required to file for an SR-22 Insurance.
In Missouri, many insurance companies offer to fille an SR-22 on your behalf, including Acceptance, Affirmative, Ameriprise, AssuranceAmerica, Consumers Insurance, Dairyland, Direct General, Esurance, Farmers, Foremost, GEICO, Good2Go, Grinnell, Mendota, National General, Progressive, SafeAuto, Safeco, Stillwater, The General, Victoria, and West Bend Mutual.
Missouri Auto Insurance FAQs
Can my friend borrow my vehicle if I have car insurance in Missouri?
Yes. Can my babysitter use my car to drive my kids to practice? Can I lend my car to an out-of-town guest? What happens if someone else gets into an accident while driving my car — is the damage covered? Car insurance follows the car, not the driver. This means that your comprehensive and collision coverage protects your car regardless of who’s driving. This may result in increased premiums following an accident.
What happens if I get caught driving uninsured in Missouri?
You should never drive a vehicle if you’re uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability and uninsured motorist insurance in Missouri may result in a $300 fine, 15 days in jail and/or four points on your driving record. Plus, your license or driving privileges may be suspended if you do not meet the minimum requirements mandated by state law and will be required to apply for SR-22 insurance. Uninsured drivers pose dangers to themselves and those around them.
Who has the cheapest car insurance in Missouri?
The best way to get the cheapest car insurance in Missouri and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.
It Pays to Go Green in Missouri
The state of Missouri offers many green driver incentives, test exemptions, tax incentives, and insurance discounts.
Federal tax discounts and credits may be granted to buyers of eco-friendly vehicles including electric cars, hybrids, plug-ins, diesel-powered, and alternative fuel vehicles.
If you’re thinking about your next big car purchase, consider a fuel-efficient vehicle—it’s good for both your wallet and the planet in the long run.
Missouri DMV Information
The Missouri Department of Motor Vehicles, run by the Department of Revenue, has outposts all around the state.
At the DMV, Missouri residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. To save time, the DMV allows individuals to make appointments ahead of their visit for road tests. For the shortest wait times, avoid planning your visit on Mondays and Fridays, or during lunch hours.
Regardless of where you live in the Copper State, a DMV shouldn’t be too far. Missouri residents may be able to skip their visit to the DMV altogether and get what they need through their online portal. Visitors may also utilize the services provided by the Missouri Department of Insurance while visiting their local DMV.
Missouri drivers can save big on their car insurance policies.
To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. From the Northern Plains to the Ozark Plateau, Missourian drivers deserve to find the cheapest car insurance available.
Compare Missouri car insurance companies today on Insurify.
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