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Cheap car insurance in Missouri

Get the cheapest car insurance in Missouri for 2021

The average annual cost of car insurance in Missouri is $1,052.86. Narrow down car insurers offering coverage in Missouri by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Clearcover
Optional
Yes
AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Missouri drivers pay an average of $1,052.86 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $87.74 per month. Missouri drivers pay about 11% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Missouri car insurance quick facts

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Minimum liability requirements

20/50/25

Average annual car insurance cost according to the NAIC

$1,052.86

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Missouri state minimum car insurance requirements

Drivers in Missouri are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/25, but we’ll break down what that means.

    Bodily Injury Liability

    Missouri bodily injury liability

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

    Missouri requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident to legally drive. That’s right in line with what most states across the US require for this coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    Missouri property damage liability

    • $25,000 property damage liability

    Missouri requires drivers to carry $25,000 of property damage liability to legally drive. This is the highest required property damage limit across the US, with 18 other states requiring this amount.

    This means $25,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Uninsured or underinsured motorist

    Missouri uninsured motorist

    • $25,000 uninsured motorist bodily injury per person
    • $50,000 uninsured motorist bodily injury per accident

    Missouri requires all drivers to carry $25,000 of uninsured motorist bodily injury per person and $50,000 uninsured motorist bodily injury per accident to legally drive. Near half of the states across the US require some sort of uninsured motorist coverage, though some other states let you opt-out.

    This coverage protects you if you get hit by an uninsured or underinsured driver. It pays for medical bills for you and your passengers.

    Finder tip: State minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in Missouri, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    Most popular Missouri auto insurance companies list

    CompanyDirect premiums written (billions)Market share
    State Farm$918,14722.2%
    American Family$532,49612.9%
    Progressive$448,97210.9%
    Geico$294,8047.1%
    Liberty Mutual$258,2716.3%
    Shelter$221,6945.4%
    Farmers$217,6295.3%
    USAA$177,1544.3%
    Allstate$174,9404.2%
    Auto Club Exchange Group$162,6313.9%

    Cheapest car insurance in Missouri

    What affects my costs?

    Because car insurance is affected by so many different outside factors, you could still end up overpaying for your coverage. Some of the factors that contribute to high insurance costs include:

    • Age. If you’re younger than 25 or older than 70, you can expect to pay more for your coverage than the ages in between. This is because out of all age demographics, accident risk is highest among drivers between 16 and 19, and slowly lowers through the mid-30s.
    • Type of car. Owning a fast sports car is something a lot of people daydream about, and maybe you’ve got your eye on a Porsche when you retire someday. But it’s good to note that when cars are designed to go fast, they tend to be driven fast; this puts them at an elevated level of accident risk, and insurers will always charge accordingly. A Toyota Corolla might not have the same curb appeal, but it’s far cheaper to insure, maintain and fill up with fuel than an imported roadster.
    • Driving record. If you’ve only been driving for a few years, or if you have any serious black marks in your driving history, most insurers will charge you more for coverage. The longer you go without any accidents or traffic violations, the more likely you are to earn a good driver discount or something similar.
    • Location. Rural drivers typically pay less for car insurance than people who live and commute in high traffic or urban areas. This is because in the country, risks or theft, vandalism and multi-vehicle accidents are far lower, meaning rural drivers are less likely overall to file claims.
    • Gender. With the exception of three states — Hawaii, Massachusetts and North Carolina — women could pay 5-15% less for car insurance. This is because men are statistically more likely to get into accidents, far more likely to drive under the influence of alcohol and less likely to wear their seat belt. However, this insurance cost differential tends to even out as drivers approach the age of 50.
    • Marital status. Married people are seen as more stable, both financially and otherwise, and statistics show that married people are less likely to get into accidents or file insurance claims than single people.
    • Occupation. There are often special discounts or considerations made for people who work in certain fields. For example, teachers, professors and school administrators often pay less for their coverage, as do medical professionals and healthcare workers. Membership with certain professional organizations or work unions could also net you a discount.
      On the other side of the coin, if you drive your own vehicle throughout the day for work — say, outside sales representatives or site inspectors — the extra mileage and road time could increase your insurance rates.
    • Other drivers. Whenever you add another driver to your car insurance policy, all their factors start to play into your costs. This means even the safest middle-aged driver out there could pay higher than the average when their teenage son or daughter starts collecting speeding tickets with the family car.
    • Typical driving habits. Do you have a lengthy commute every day of the week? Do you put on more miles per week than the average driver? These kinds of things can help or hurt your chance of getting a great rate. If you never drive more than 50 or 100 miles in a week, tell your insurer and see if this can get you a lower rate.

    Which city has the cheapest car insurance in Missouri?

    Of Missouri’s largest cities, Columbia has the cheapest rates and Saint Louis has the most expensive car insurance rates. Saint Louis drivers could face rates 2 times more than Columbia drivers.

    Car insurance quotes in Saint Peters

    CompanyAnnual car insurance rate
    Allstate$852
    Farmers$1138
    Metromile$850
    Safeauto$895

    Car insurance quotes in Ballwin

    CompanyAnnual car insurance rate
    Allstate$930
    Farmers$1253
    Metromile$957
    Safeauto$1166

    Car insurance quotes in Saint Louis

    CompanyAnnual car insurance rate
    Allstate$911
    Farmers$1341
    Metromile$998
    Safeauto$1179

    Car insurance quotes in Columbia

    CompanyAnnual car insurance rate
    Allstate$688
    Farmers$1004
    Metromile$830
    Safeauto$860

    Car insurance quotes in O Fallon

    CompanyAnnual car insurance rate
    Allstate$890
    Farmers$1128
    Metromile$848
    Safeauto$919

    What additional coverage can I get in Missouri?

    Many car insurance providers in Missouri offer optional coverage for peace of mind that includes:

    • Comprehensive. Pays for repairs if your car is damaged by something other than an accident — for instance, a fire or vandalism.
    • Collision. Pays for repairs to your vehicle if you’re in an accident.
    • Emergency roadside assistance. Reimburses you for any labor or towing that’s necessary after an accident.
    • Medical. Helps pay for medical bills caused by an accident, no matter who’s at fault.
    • Loan/lease gap coverage. If you total your car in an accident and you still owe money on it, this coverage pays the difference between what your insurer will cover and the remainder of your existing loan or lease.

    Do I need SR-22 insurance in Missouri?

    If you get a DUI in Missouri, you’ll typically need to file a Missouri SR-22 form in order to get your license and registration reinstated. This form guarantees that a driver will maintain their coverage to a legal minimum standard for a set amount of time, typically 3 years.

    Bottom line

    In Missouri, you’ll need to purchase both liability insurance and uninsured/underinsured motorist coverage to remain legal or face points, suspensions and jail time.

    To get the cheapest coverage for your needs, carefully research your car insurance options when driving in the Mother of the West.

    Frequently asked questions about car insurance in Missouri

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