When it comes to finding the cheapest car insurance in Missouri, there are several key takeaways to keep in mind. Our picks for the most affordable car insurance providers in the state include Travelers, USAA, Progressive, Shelter Insurance, and State Farm. Travelers stands out as offering the cheapest rates on average for non-military members. However, it’s important to note that Missouri car insurance rates can vary depending on factors such as your driving record, age, credit score, ZIP code, and more.
Our team at MarketWatch Guides has conducted a thorough review of the cheapest car insurance options in Missouri. We have compared the rates, coverages, ratings, and reviews of the best car insurance companies in the state to provide you with a comprehensive guide to finding affordable coverage.
In the following article, you will find estimates for drivers from different profiles, a list of recommended providers, and key information about Missouri insurance laws and regulations. We have also outlined our methodology and editorial guidelines to ensure transparency and accuracy in our research.
Cheapest Auto Insurance in Missouri
While car insurance rates in Missouri are slightly higher than the national average, there are still opportunities to find great deals on car insurance in the state. We have identified Travelers, USAA, Progressive, Shelter Insurance, and State Farm as the top choices for the cheapest car insurance in Missouri. By comparing policies from these providers, you can determine which one best fits your cost and coverage needs.
Cheapest Car Insurance Coverage in Missouri
The level of coverage you choose can significantly impact your insurance rates. Many insurance quotes include estimates for both minimum-liability and full-coverage car insurance. While minimum liability coverage is the only requirement in Missouri, it’s advisable for drivers to consider full-coverage auto insurance for added protection.
Below are the cheapest auto insurance options in Missouri for both coverage types:
Cheapest Minimum-Liability Insurance in Missouri
On average, drivers pay around $752 per year for minimum-liability insurance in Missouri, which translates to approximately $63 per month. USAA typically offers the cheapest liability insurance rates in the state, with estimates as low as $269 per year or $22 per month. Other popular Missouri insurance companies, such as Auto-Owners Insurance, Missouri Farm Bureau Insurance, Travelers, and Columbia Insurance, also offer competitive rates for minimum coverage.
Cheapest Full-Coverage Car Insurance in Missouri
While Missouri may not be the cheapest state for car insurance, there are still affordable policies available. Our rate estimates show that you can find the best car insurance in Missouri for as little as $112 per month. Travelers, USAA, Auto-Owners Insurance, Progressive, and Missouri Farm Bureau Insurance are among the top providers offering cheap full-coverage insurance in the state.
It’s important to note that these rates are based on a 35-year-old driver with good credit and a clean driving history. Your individual rates may vary based on several factors.
Cheap Car Insurance Missouri
Various factors, such as age, driving history, and credit score, can significantly impact the cost of car insurance in Missouri. We have compiled estimates for Missouri drivers in different categories to help you find the most affordable coverage options.
Cheapest Car Insurance for Young Drivers in Missouri
Young drivers typically face higher insurance rates compared to older adults. We have provided tables outlining average car insurance rates in Missouri for different age groups, including 16-year-olds, 18-year-olds, 21-year-olds, and 25-year-olds. Companies like Travelers, Missouri Farm Bureau Insurance, Auto-Owners Insurance, and USAA offer competitive rates for young drivers in Missouri.
Cheapest Missouri Car Insurance for High-Risk Drivers
Drivers with speeding tickets, recent accidents, DUI incidents, or poor credit may face higher insurance costs in Missouri. We have outlined the cheapest car insurance options for high-risk drivers in the state, including those with speeding tickets, recent accidents, DUIs, and poor credit scores. Companies like USAA, Travelers, Progressive, and Missouri Farm Bureau Insurance offer affordable rates for high-risk drivers.
Car Insurance Deals in Missouri
Insurance providers in Missouri offer various discounts and deals to help drivers save money on their premiums. We have compiled a list of discounts offered by the top providers in the state, including Progressive, USAA, Shelter Insurance, and State Farm. These discounts can help you lower your car insurance costs and find the best deal while shopping for coverage.
Best Cheap Car Insurance Missouri
For those seeking the cheapest auto insurance in Missouri, we have provided detailed information on the top providers and coverage options in the state. By comparing quotes from companies like Travelers, USAA, State Farm, and Missouri Farm Bureau, you can find affordable coverage that meets your needs.
Average Car Insurance Cost Missouri
The average cost of full-coverage car insurance in Missouri is $2,613 per year, or approximately $218 per month. This cost is similar to the national average for car insurance. Minimum coverage in Missouri averages around $752 per year, which is slightly below the national average of $869.
Factors That Affect Car Insurance Costs in Missouri
Several factors can influence auto insurance rates in Missouri, including location, vehicle, age, gender, driving history, credit score, and chosen deductible. By comparing options from different providers, you can find coverage choices that save you money on car insurance in Missouri.
Missouri Car Insurance Requirements
Missouri follows an at-fault system, where the driver responsible for an accident is liable for all damages. The state requires drivers to carry minimum liability insurance, uninsured motorist coverage, and property damage liability coverage. While underinsured motorist insurance is not mandatory, it can provide additional protection.
How To Get Car Insurance in Missouri
When shopping for car insurance in Missouri, consider providers like Travelers, USAA, State Farm, and Missouri Farm Bureau. By comparing quotes and exploring discounts, you can find affordable coverage that meets your needs. Bundling with homeowners or renters insurance can also help you save money on your premiums.
Missouri Car Insurance: The Bottom Line
In conclusion, our review of the cheapest auto insurance companies, coverage options, and rates in Missouri can help you make an informed decision when selecting car insurance. By understanding the average cost of insurance, coverage requirements, and factors that affect rates, you can find the best car insurance in Missouri for your specific needs.
Car Insurance Missouri: FAQ
We have answered some common questions about cheap car insurance in Missouri, including monthly costs, coverage requirements, fault laws, and affordability. By exploring these FAQs, you can gain a better understanding of car insurance in Missouri and make informed decisions when selecting coverage.
Our Methodology
Our ratings of the best car insurance companies are based on a comprehensive evaluation of coverage, cost, discounts, industry standing, customer experience, and availability. We have conducted extensive research on over 130 companies, surveyed more than 8,500 consumers, and spent 800 hours analyzing data to provide accurate and objective ratings. Our methodology ensures transparency and reliability in our rankings.
By following these key takeaways and guidelines, you can navigate the world of car insurance in Missouri with confidence and find the most affordable coverage options that meet your needs.