Cheap DUI Car Insurance in Missouri:
Costs and Quotes (2022)

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Last Updated: January 2022

Best DUI Insurance Companies in Missouri (2022)

For drivers with a DUI or DWI offense in Missouri, it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies after this incident will allow you to get the best possible insurance rate after a DUI.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Missouri. The following are the best insurance rates from carriers that offer car insurance for drivers with a DUI in Missouri.

Carrier
travelers
$162/mo
dairyland
$169/mo
kemper
$170/mo
$170/mo
liberty-mutual
$175/mo
assurance-america
$182/mo
safeco
$186/mo
american-family
$226/mo
bristol-west
$266/mo
safeauto
$267/mo

DUI Car Insurance Costs in Missouri

In Missouri, a DUI or DWI offense will on average have drivers paying $443 per month and $5,316 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 81% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

$245
$443
Avg. Monthly Cost - No ViolationAvg. Monthly Cost - After DUI
$198 ▴Monthly Impact of DUI on Rates
80.82% ▴Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

How Much Does a DUI Impact Car Insurance Rates in Missouri?

While you may have thought your car insurance rates were high before a DUI conviction, you'll find that they steeply increase after even a first offense. Paying an average of $443 monthly for the right to drive, motorists with a DUI on their record shell out over $198 more than drivers who obey the rules of the road. That's more than an 80 percent increase in your insurance bill for one lapse in good judgment.

Even during this challenging time, there are still good decisions you can make. To begin, you can commit to driving better. In just a few years, good drivers (even with DUI violations) will see their insurance costs shrink. And you can shop around for insurance online. Using an online method (rather than calling one insurance company after another) allows you to quickly sort through hundreds of car insurance quotes for the best pricing.

Average Percent Increase After DUI
$245$44380.82%

What Are the Average Car Insurance Prices After a DUI in Missouri?

Missouri ranks 14th in the country in terms of the most expensive car insurance pricing for drivers with a DUI. Although other factors contribute to insurance pricing, the average monthly insurance premium for motorists with a DUI on their record is $443.

While some drivers may pay a little more or less, keep in mind that your insurance premiums are very personalized, and it's up to you to shop for the best deal around. Bundling car insurance with other insurance products is one way you can bring costs down.

Most Expensive State for DUI (1-50)
$44314th

How Long Is the Lookback Period for a DUI in Missouri?

Having a DUI in your past can be haunting. No one wants to be known as "the guy with the DUI," and putting it all behind you can take time. But you can redeem yourself—both personally and as far as your driving record is concerned.

Missouri's lookback or "washout" period for DUI convictions is five years. This means that each offense only exists criminally for that period of time. Why does this matter? Let's say you had a first-offense DUI on your record for five years, and you are convicted again. Because the courts only "look back" five years at your DUIs, the first-time conviction is washed out. Your new conviction becomes your new first offense.

Though it's great to get second chances, no one should take the lookback period to mean that your insurance rates aren't affected. Though three to five years is about the length of time insurance companies hold driving offenses against you, some will charge increased rates for up to seven years.

Missouri DUI Penalties

The penalties for first-time DUI offenders in Missouri include a 90-day suspension of their driver's license, eight points added to their driving record, up to a $500 fine, and six months of jail time.

Penalties increase with each conviction, and a third DUI is considered a felony in this state. Consequences include anywhere from a month to four years in jail, court costs, and up to $10,000 in fines. Third-time offenders also face up to a 10-year suspension of their driving privileges and continuous alcohol monitoring through an ignition interlock device if and when the state returns driving privileges.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options.
Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price.

FAQs - Missouri Car Insurance

Why is car insurance so expensive in Missouri?

There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

Do car insurance rates vary by county in Missouri?

Auto insurance costs will vary between locations and insurance carriers, depending on the county Missouri. Insurify analyzed the latest data for the five most populous cities in Missouri to find you the cheapest quotes in each of these metropolitan areas.

Which providers have the best auto insurance ratings in Missouri?

The way to find the carrier with the best auto insurance ratings in Missouri and save on your insurance premiums 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.

How much do annual auto insurance rates increase in Missouri?

During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.