Cheap Car Insurance in Missouri (With Quotes, August 2022)

Gateway to the where? Most Missourians are just driving to work—or if they’re lucky, a baseball game or fishing. Drivers know that Missouri car insurance is relatively expensive: according to Insurify, average rates are $274 per month, significantly more than the national average.So for Missouri drivers, finding a cheap car insurance policy is of the utmost importance.

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Auto insurance is a highly competitive marketplace, and no two insurance companies are the same. Finding the best rates for your family is about getting car insurance quotes from all the insurance providers you can. In the state of Missouri, these insurance companies offer the lowest average rates across the board, according to Insurify:

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Cheapest Liability Auto Insurance in Missouri

The state minimum Missouri auto insurance only covers property damage liability and bodily injury liability that you cause to other drivers in an at-fault accident. These minimum requirements protect you financially, but they don’t protect your own car or medical expenses. But if minimum coverage is all you need, these auto insurance companies have the best rates:

Cheapest Full-Coverage Auto Insurance in Missouri

Full-coverage car insurance is not the cheapest insurance coverage, but it goes far beyond liability coverage. With collision coverage, regardless of fault—or what you collide with—your bodily injury and property damage is protected, and comprehensive coverage insures your car against many perils. These providers have cheap full coverage quotes:

Even if you find the cheapest rates with one provider, you still want to be sure your insurance policy is coming from a reputable insurance company. The companies in this table offer Missouri car insurance that achieves high scores not only for being cheap car insurance but also for customer satisfaction and financial stability—important when weighing your insurance options.

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.

Along with credit score and marital status, your driving history is one of the most important criteria unique to you that car insurance companies will use to set your rate. A DUI, speeding ticket or at-fault accident will get you flagged as high-risk, and you will probably get car insurance quotes with higher rates. But how high depends on the insurance company.

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Cheap Car Insurance for Good Drivers in Missouri

If in the last five years, you don’t have any serious violations—like speeding tickets, DUIs, or car accidents—on your driving record, you’ll be in line for the cheapest car insurance in Missouri. These car insurance companies in particular have affordable car insurance for Missouri drivers with clean driving records:

Cheap Car Insurance for Drivers with DUI in Missouri

If you have a DUI, you likely regret it for a lot of reasons. And one of them is probably the high car insurance rates you get with a DUI on your record. While this generally holds true, some auto insurance companies specialize in providing the cheapest auto insurance to drivers with DUIs. Start with these car insurance quotes for DUI Missouri drivers:

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SR-22 Insurance in Missouri

Has the Missouri DMV taken away your driver’s license because of a DUI or other violation? If so, you might need an SR-22 policy in order to get it back. The insurance company handles the filing process, but since you’re going to be labeled high-risk, your insurance rates could be high. These car insurance companies provide SR-22 insurance in Missouri at reasonable rates.

Cheap Car Insurance for Drivers with an At-Fault Accident in Missouri

If there’s an accident on your driving record, you’ll need to put in some extra effort to get the cheapest car insurance available to you. Companies like Progressive make a point of providing forgiving insurance premiums to first-time accidents. Here are some other Missouri auto insurance companies that have good car insurance quotes for drivers with accidents.

Cheap Car Insurance for Drivers with Speeding Tickets in Missouri

What’s more frustrating than a speeding ticket? The high auto insurance rates that you get afterward, that’s what! But pay close attention to the companies in this table. Some of the best car insurance companies can be lenient when it comes to minor violations like speeding tickets. Here are some relevant car insurance quotes:

An amazing credit score can benefit you in subtle ways, and one way is having access to some of the cheapest car insurance money can buy. Cha-ching! But in Missouri, you don’t have to hang your head if you have poor credit. There are still many different ways to find a cheap auto insurance policy.

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They say age is just a number. Well, your auto insurance premium is just a number too, and the birthdate on your driver’s license affects it. Teen drivers in Missouri pay very high rates, and for young drivers, especially 25-year-olds and younger, affordable auto insurance is very hard to find. But thankfully, it gets much better as the years go on.

Between Missouri’s metropolises, forests, and windswept plains, it’s no surprise that St. Louis and Kansas City drivers have more accident-prone commutes and pay higher auto insurance rates as a result. Some smaller cities, like St. Joseph and Jefferson City, have some of the cheapest car insurance in the state.

Every state has minimum insurance requirements, and Missouri is no exception. Additionally, all drivers in Missouri will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Missouri.

Minimum Car Insurance Requirements 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 be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Missouri^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Missouri is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

• $25,000 per person for uninsured/underinsured motorists
• $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Missouri, this coverage is required for bodily injuries.

Missouri DMV Information

The Missouri DMV is run through the Department of Revenue and services Missouri drivers with driver’s licenses and testing, vehicle registration and titles, and information about insurance requirements and SR-22s.

Public Transportation in Missouri

St. Louis, Kansas City, and other urban metros in Missouri have robust public transportation networks, along with regional transit systems in several areas of the state. These systems make it easier for citizens without a car or a driver’s license to get around the state.

You don’t have to opt for minimum coverage just to get the cheapest car insurance policy on the market. You deserve the best rates and the best coverage! With Insurify, you can access free quotes, tailored to your needs, from the best car insurance companies in Missouri. Then, you’ll be ready to make your choice.