Finding The Best Missouri Auto Insurance Rates Online
Cheap Car Insurance in the Show-Me State
Getting car insurance in Missouri is a complex process, but it does not have to be. Insurance rates in Missouri are known to be high since the state has 530 violent crimes per 100,000 people, which is higher than the established national average. However, Insurance Geek is there to help you get the coverage rates that you deserve!
Missouri’s over 4 million licensed drivers are on the road day in and day out, whether on major highways or smaller side roads. If you’ve gone without a car for any period of time, you’ll know it’s a little less convenient to get to the places that matter – which is why getting the right Missouri auto insurance that keeps you on the road is always a good move.
We love connecting our Missouri customers with the best possible car insurance quotes available. We know your state minimum requirements, the particulars of each carrier, and the best possible ways to help drivers based on their budget and unique needs.
Missouri Car Insurance Minimum Required Coverage
Missouri insurance coverage is listed below alongside state minimum requirements. Pretty much all states require you to have at least bodily injury (BI) coverage as well as personal property damage liability. In Missouri, you’re also required to have uninsured protection, while underinsured coverage is optional.
Bodily injury liability – $25,000 per person/$50,000 per accident
If you are driving and happen to hit and injure someone else, bodily injury liability will offer you protection. This kicks in whether you have hit someone in a completely different car or a pedestrian. If you or someone on your policy ends up causing injury to another person during a wreck in a car that belongs to someone else, this portion of the policy will also offer you coverage as long as the driver of your car has been given permission to drive the vehicle.
Property damage liability – $10,000 per accident minimum coverage
Although the minimum coverage for property damage is $10,000 in Missouri, this is usually not enough for a property damage claim. Think of it this way – if you run into and damage a high-end, expensive vehicle and you total it, will $10,000 be enough?
Not having enough insurance could mean you’re on the hook for the rest if you’re found liable for the accident.
Uninsured and underinsured
Uninsured insurance coverage is not optional in Missouri, though underinsured is. Uninsured coverage will protect you if you’re the victim of a hit and run, if you strike a pedestrian or if someone without insurance or with not enough insurance happens to hit your auto – or you.
How Much Will I Pay for Auto Insurance in Missouri?
The average rates of car insurance for Missouri drivers range from around $1100 to more than $1335 a year in the state of Missouri, which is actually close to the national average.
However, more factors affect the price of coverage in Missouri, from the type of vehicle you drive to the insurance company that you choose. For your convenience, we’ve compiled a list of factors to pay special attention to when it comes to insurance rates:
Age Groups
Teen drivers who recently obtained their driver’s license will receive higher average rates than other Missouri drivers who have had their driver’s license for a while. Missouri teens are more likely to get speeding tickets and be involved in at-fault accidents. Insurance companies consider these young drivers inexperienced, and therefore their average rates go higher than they would be for other drivers.
Driving Record
Every insurance company appreciates a clean driving record, as average rates are affected by a driver’s driving history. Things like getting a speeding ticket or a DUI citation will result in higher auto insurance premiums, while driver profiles that have a clean record will get the cheapest premiums.
Financial Responsibility
A good credit score is always a bonus when you are looking to secure the cheapest car insurance. Financial responsibility shows an insurance company that you are responsible with your money and that you pay your bills on time. Poor credit would translate to less financial responsibility, which means that you would get slightly higher rates. However, cheap rates are still possible for Missouri drivers with poor credit.
Your Vehicle
Aside from financial responsibility, the state of your vehicle also matters when it comes to obtaining an auto policy. The make, model, and color of your car all make a difference!
Location
You’ll often find higher premiums the closer you get to the city, due to the potential for an at-fault accident.
Here are some of the largest cities in Missouri we commonly write policies for:
- Springfield
- Joplin
- St. Louis
- Kansas City
- Jefferson City
- Columbia
To be one step closer to insurance, don’t hesitate to compare quotes by using our free quotes tool on this page!
Insurance Company
Different insurance companies offer various deals, quotes, and rates. Missouri drivers can get access to free quotes from various different insurers by using our quote engine calculator on this page. Make sure you get the cheapest car insurance by simply filling out a form!
Discount
There’s always a possibility to get lower rates for your car insurance. Most drivers pay attention to their record and keep it at bay with no speeding tickets or DUI citations. In addition to being good drivers, you can always bundle up on different policies within the same insurance company (e.g. home & life insurance).
Get Cheapest Missouri Car Insurance Quotes
Regardless of your Missouri ZIP code, Insurance Geek can connect you to the best insurance companies to find the cheapest car insurance for Missouri drivers!
To get and compare different quotes from multiple insurers, you just need to enter your info in our form available on this page. It takes no longer than a minute.
After that, you get to compare quotes from over 20 of our carriers, including Nationwide and Safeco.
Our company values your time and your privacy. This means that you will not get a dozen agents calling you with a multitude of complicated options. Instead, we offer you multiple free quotes from insurers to get great value without compromising your free time.
Insurance Geek is always there for you. Therefore, feel free to make further inquiries about insurance products that you are interested in.
Can I Get a Discount?
Discounts tend to differ carrier by carrier.
The most common we see include a bundle discount, which allows you to save if you get multiple lines of insurance from the same company. If you’re a safe driver, most insurance companies are happy to offer you a safe driving discount to reward you for your safety. PIF, or paid in full discount, will allow you to save a certain percentage annually when you pay the entirety of your policy upfront. Most auto insurance terms are six months, so you will find your savings embedded in that six-month premium period.
If you take a defensive driving course, you’ll also be eligible for a discount. If you’re a student, a member of the military, or a senior, most carriers are glad to offer you some type of discount which will also factor in with your bundle discounts. If you sign up for paperless billing, carriers will often give you a price break of a few dollars, and carrier loyalty – as in, being a customer over a number of years – can also result in some serious benefit.
What Does Car Insurance in Missouri Include?
Generally, all the types of incidents we mentioned above will be protected by your Missouri auto insurance, including bodily injury, damage to your car or the other driver, or any other damage that occurs during the accident. Here’s what coverage in Missouri you can get:
PIP (Personal Injury Protection) or Medical liability
This type of coverage is considered “no-fault,” meaning it will treat you and your passengers for medical injuries regardless of who is at fault for the accident. PIP can also help recover lost wages as the result of an injury.
Collision coverage
Collisions are an unfortunate part of driving. Whether we’re talking about potholes or backing into something, collision damage can cover you. Every motor vehicle owner should have this type of coverage in their full coverage policy.
Comprehensive coverage
Comprehensive is “everything else” coverage. We see many windshield cracks or dings get repaired with this coverage. Comprehensive also covers items stolen from your auto. The comprehensive policy of your insurance helps with any type of accident, be it an at-fault one or otherwise.
Underinsured or uninsured motorist insurance
Underinsured or uninsured motorist insurance comes in handy when you find yourself involved in an accident with a driver who has no insurance or has little insurance. This sort of coverage helps you cover for the damages without waiting around in courts.
Bodily injury (BI) liability insurance
Bodily injury liability coverage kicks in when medical bills of the other party involved in an at-fault accident need to be paid. To make sure you are properly insured, it is always best to go over the Missouri minimum coverage amount that is $25,000 per person and $50,000 per accident.
Property damage liability insurance
This portion of your insurance helps you with the costs of damage that you have caused to the property of another person. It is also advised to go over the established minimum and insure yourself more; that is, to more than $10,000 per accident from your insurer of choice.
How Much Coverage in Missouri Should I Get?
Minimum required coverages are demanded by the Missouri laws regardless of where your ZIP code puts you. As a vehicle owner, you’ll have to provide proof that you are insured. Being properly insured and obtaining full-coverage protection is more than that, as it helps you put your mind to ease.
Even though you may get enough insurance to start driving illegally in Missouri, you may not end up with enough coverage to replace property or cover medical bills if someone is seriously injured during an accident. We definitely recommend at least $100,000 for basic injury and property damage coverage so you can continue driving safely without out-of-pocket costs.
Drivers in Missouri should be aware that most state minimum requirements don’t have PIP or collision included. However, Insurance Geek highly recommends obtaining these for your full coverage in addition to uninsured, property, and bodily injury insurance; drivers can never have enough protection for themselves and their families.
FAQ: Missouri Car Insurance
Q: What car insurance companies have the best cheap car insurance in Missouri?
A: The top Missouri car insurance coverage is offered by Nationwide and Safeco. Not only do they have excellent customer service rates, but they also have the cheapest car insurance statewide. Their stellar reviews and affordable rates make them the most popular carriers in Missouri. In addition to the two companies, Insurance Geek can help you get free quotes from other insurance partners, too.
Q: How much does car insurance cost in Missouri?
A: The cost of Missouri auto insurance is generally around $740 a year. Insurance premiums are determined based on several factors, including the driver’s age, whether or not the driver has been issued recent citations or has had any recent accidents, age, model, make and color of vehicle, whether antitheft devices are installed, the safety rating of the vehicle, whether or not the driver has a safe driving record over time and whether or not the policyholder has bundled other types of insurance lines with the same carrier.
Missouri Auto Insurance Rates Calculator
Insurance Geek enjoys putting customers up to the best available quotes and providing them with the cheapest coverage auto insurance. All of this can be done with little to no trouble on your behalf because Insurance Geek partnered with over 20 carriers to provide you the best possible service.
We love Missouri, and working with our Missouri auto insurance customers to get the best policy possible and the most affordable premium for every driver in the home is something we’re proud of. Just by filling out one form, you can calculate several quotes from different carriers and we can work with you to find the best possible rate.
We would like to get you the right insurance policy for your household today. Please fill out our quote form, and let’s talk more! We’d love to get you on the road safely.