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Missouri Car Insurance for High Risk Drivers (With Quotes)
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Cheapest Insurance Companies for High Risk Drivers in Missouri (2022)
For drivers that are high-risk 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 for drivers that are high-risk.
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 high-risk drivers in Missouri.
| Carrier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Travelers | $151 |
| Safeco Insurance | $236 |
| Dairyland Insurance | $243 |
| Liberty Mutual | $255 |
| American Family Insurance | $278 |
| Midvale Home & Auto | $299 |
| Kemper | $304 |
| AssuranceAmerica | $335 |
| Bristol West | $370 |
| The General | $486 |
What Makes a Driver High-Risk in Missouri?
Since insurance companies naturally assume some risk every time they add on a new customer, it makes sense that they categorize drivers into groups based on risk factors. For those who have had multiple driving violations in the past, that could mean being labeled a high-risk driver.
While not necessarily a terrible thing, being characterized as a high-risk driver in Missouri could mean higher average monthly rates. Often, insurers will tag a driver with the high-risk classification if they have any of the following on their record: speeding, reckless driving, DUI/DWI convictions, and several at-fault accidents. Although risky driving comes with penalties,many insurance providers still offer competitive rates.
Missouri Car Insurance Rates for High-Risk Drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
How Much Does High-Risk Driving Affect Car Insurance Rates in Missouri?
Having a high-risk driving violation on your record can mean an increase in car insurance rates. Depending on which violation you are charged with, the increase can range from an extra$60 per month to well over $100. In Missouri, at-fault accidents tend to carry the worst penalties, as rates tend to rise to an average of $356 a month.
Shopping around at multiple insurance companies in Missouri can help high-risk drivers lessen their average monthly cost. Some providers are happy to work with drivers with a history of violations and offer programs and affordable options for coverage.
| Driving History | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| No Violation | $240 |
| Speeding Ticket | $316 |
| At-Fault Accident | $356 |
| Reckless Driving | $332 |
| Failure to Stop | $306 |
How Much Does a Speeding Ticket Impact Car Insurance Rates in Missouri?
Most driving violations, including speeding tickets, will have an impact on your overall car insurance rates. If you are charged with a speeding ticket in Missouri, you can expect to see your average monthly premium rates increase by $76. The main reason for the significant spike in price is that providers view speeding as a precursor to other risky driving behaviors.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How Does an at-Fault Accident Impact Insurance Rates in Missouri?
At-fault accidents often result in one of the biggest spikes in insurance rates when it comes to driving violations in Missouri. This is especially true if there are multiple instances on your driving record. On average, drivers with an at-fault accident in their history pay $116 more than others without a history of accidents.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Missouri?
Rolling through a stop sign might not seem like a big deal, but it can often result in a significant spike in monthly auto insurance rates. For drivers in Missouri, running red lights and failing to stop at stop signs can result in a 27 percent increase in insurance rates. This means paying $66 more per month when compared to those without any violations.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Does Driving With a Suspended License Impact Car Insurance Rates in Missouri?
Since insurance companies naturally assume some risk every time they add on a new customer, it makes sense that they categorize drivers into groups based on risk factors. For those who have had multiple driving violations in the past, that could mean being labeled a high-risk driver.
While not necessarily a terrible thing, being characterized as a high-risk driver in Missouri could mean higher average monthly rates. Often, insurers will tag a driver with the high-risk classification if they have any of the following on their record: speeding, reckless driving, DUI/DWI convictions, and several at-fault accidents. Although risky driving comes with penalties,many insurance providers still offer competitive rates.
Tips for Researching High-Risk Missouri Car Insurance Rates
Insurance prices and policies can vary significantly between companies, and a large and growing state like Missouri draws a wide variety of choices when factoring high-risk driving insurance rates.
Insurify''s rate comparison tool will help you make sure you''re getting the best possible quote based on your needs and location. You can have peace of mind you''re not paying any more than you need to, and customers save $585 per year on average.
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FAQs - Missouri Car Insurance
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.
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.
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.
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.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
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