Cheap Car Insurance in Missouri

Cheapest Car Insurance in Missouri for All Cars and Drivers

From the busy streets of St. Louis to the suburbs of Kansas city, car insurance policies in Missouri are often cheaper than the national average of $2,150. This guide breaks down everything you need to know when shopping for cheap car insurance in Missouri.

Car Insurance Requirements in Missouri

Here’s What You Need to Know When Driving in Missouri

Car insurance is unavoidable if you’re driving in the U.S., and Missouri is no exception. By law, all drivers in Missouri must carry a minimum level of auto insurance coverage to operate on state roadways.

You must also carry proof of insurance at all times. Failure to provide proof of liability insurance when stopped can result in significant penalties.

Think it sounds expensive? Not necessarily. Opting for minimum coverage policies is cheaper than full coverage, but it comes with some risks. On average, Missouri drivers pay around $542 annually for minimum coverage to meet state requirements.

Minimum Car Insurance Coverage Requirements in Missouri

• Bodily injury liability: $25,000 per person

• Bodily injury liability: $50,000 per accident

• Property damage liability: $25,000 per accident

Missouri Uninsured Motorist Insurance Coverage:

• $25,000 for bodily injury per person

• $50,000 for bodily injury per accident

Optional Car Insurance Coverage in Missouri

Even if you’re on a budget, opting for cheap full coverage car insurance or comprehensive insurance can be worthwhile. While more expensive than minimum liability coverage policies, comprehensive coverage can save you a lot in the long run.

If you’re paying off a car loan, your lender may even require a comprehensive policy until the vehicle is paid off.

Optional coverages may include:

• Comprehensive coverage

• Collision coverage

• GAP insurance

• Medical payments coverage

• Roadside assistance

• Rental car reimbursement

• Uninsured / underinsured motorist coverage

What are the Penalties for Driving Without Car Insurance in Missouri?

Missouri law requires that all drivers not only carry insurance but also proof of coverage. Drivers caught without insurance face severe penalties, including license suspension, fines, and reinstatement fees.

The penalties for driving without auto insurance are listed below.

• First offense: Drivers license suspension, $20 reinstatement fee and an SR-22 certificate for 3 years

• Second offense: 90 day drivers license suspension, $200 reinstatement fee, and SR-22 for 3 years

• Subsequent offenses: 1 year suspension, $400 reinstatement fee, and SR-22 for 3 years

Cheap Auto Insurance in Missouri for Minimum Coverage

You can find the best price on auto insurance with a minimum liability policy. Minimum liability policies are the cheapest way to meet Missouri’s state insurance requirements without spending too much money.

How Much Does Auto Insurance Cost in Missouri?

Rates vary depending on several factors. However, data shows that drivers in Missouri pay around $1,661 annually for full coverage, and around $542 annually for minimum coverage.

Factors That Determine Your Auto Insurance Premiums in Missouri

• Vehicle make and model

• Driving habits

• Age

• Zip code

• Marital status

• Driving record

How Age Affects Auto Insurance Premiums in Missouri

A 17 year old driver in Missouri pays around $4,000 per year for auto insurance while a 30 year old pays an average of $1,661.

As a result, insurance premiums typically decrease as drivers get older, with significant reductions around age 25. However, after age 60, rates tend to rise again.

Cheap Auto Insurance in Missouri for Young Drivers

Data indicates that teenage drivers in Missouri pay nearly twice as much in premiums as 30-year-olds. Additionally, this data reveals that many teens pay up to $4000 annually for car insurance.

We partner with a wide range of insurance providers to compare rates and secure the most cost-effective options for teen drivers.

Location and Car Insurance Premiums

Insurance providers group drivers by location, relying on data such as crime rates and accidents per capita to estimate your risk level.

For instance, auto insurance costs are generally higher in densely populated cities, like St. Louis, compared to rural areas within the state.

Cheap Auto Insurance in Missouri for Drivers with At-Fault Accidents

Is your driving history less than perfect? Have you been found at fault in one or more accidents? If so, you might think that cheap car insurance is out of reach.

While it’s true that an accident history often leads to higher premiums, you can still compare providers to find the lowest available rates.

According to our data, many insurance companies raise premiums by $850 to $1,000 annually for drivers with an at-fault accident on their record.

Cheap car insurance in Missouri for drivers with bad credit: How does Bad Credit Affect Your Insurance Rates?

There is a proven link between poor credit and the likelihood of filing auto insurance claims. As a result, many insurance companies consider factors like income and credit scores in different zip codes when determining price quotes.

Drivers in Missouri with poor credit often pay up to 70% more annually than drivers with excellent credit. Insurance Navy specializes in providing affordable car insurance for drivers with bad credit.

How does Marital Status affect Auto insurance premiums in Missouri?

Marital status can influence how much you pay for auto insurance.

Insurance companies have found that, statistically, married individuals are less likely to be involved in accidents.

Married drivers typically pay lower rates. Their auto insurance is cheaper than single drivers, if all other factors are the identical.

How does your Type of Vehicle affect Auto Insurance Rates in Missouri?

The type of vehicle you drive is one of the top factors car insurance companies consider for determining your auto insurance rate.

A new car has a higher replacement cost. Newer cars have a higher claim payout amounts for repairs or replacement.

Sports cars have higher insurance premiums due to their higher cost. Sports cars also have an increased risk of accidents.

Insurers consider family sedans safer and less likely to be involved in accidents. Family sedans usually get cheaper insurance rates.

How Your Driving Record Affects Insurance Premiums

Any traffic violations on your record will raise your insurance costs.

An example of how certain violations increase rates on average are listed below.

• Not at-fault accident: 6%

• 1 comprehensive claim: 8%

• Cell phone use violation: 10%

• Speeding 16-20 mph over the limit: 25%

• Reckless driving: 70%

• Driving on a suspended license: 100%

SR-22 insurance

SR-22 Insurance in Missouri

Obtaining and maintaining SR-22 insurance in Missouri is a common legal requirement imposed as part of the penalties for offenses such as a DUI conviction, at-fault collisions, driving with a suspended license, driving without insurance, or accumulating excessive points on your license.

While often called insurance, an SR-22 is actually a certificate of financial responsibility or a bond provided by your insurance company. It guarantees to the state that you have the required level of coverage in case of an accident.

Who Needs SR-22 Insurance in Missouri?

You can be required to carry SR-22 insurance in several instances. An SR-22 is typically mandated for drivers after they commit a major traffic violation that has resulted in their driver’s license being suspended.

An SR-22 can be required after committing one or more of these violations in the state of Missouri:

• Driving while intoxicated (DWI)

• Driving without insurance

• Accumulating multiple minor violations

• Found to be at fault for an accident

• Reckless driving

• Failing to pay ticket fines

How Long Do You Need an SR-22 in Missouri?

Thankfully, as with every other state, a Missouri SR-22 comes with an expiration date. The period you are given depends on the traffic offense you are charged with.

If you are caught driving without insurance in Missouri, you must maintain your SR-22 certificate for three years.

However, suppose you receive a DUI conviction, a moving violation, or a car accident judgment against you. In that case, you will need an SR-22 for two years.

Your SR-22 insurance requirement begins the day of your license’s suspension. Your SR-22 requirement can be mandated to be longer. However, it all depends on the severity of your conviction.

The State of Missouri will require you to have an SR-22 for 3 years for no insurance, 2 years for a DUI or multiple moving violations

How Much Does Missouri SR-22 Insurance Cost?

When you notify your insurance company about your SR-22 requirement, your insurer will charge you a $30-$50 filing fee to process the SR-22 form. However, there are other insurance costs after your SR22 mandate.

Being convicted of a major driving violation and needing to carry an SR-22 will increase insurance premiums significantly.

However, just how much your insurance rates will rise depends on several factors, including the severity of your offense and the insurance company you are with.

A DWI conviction is one of the most common reasons a driver will need SR-22 insurance in Missouri. On average, drivers with a DWI conviction in Missouri pay around $2,300 per year for insurance.

Another common offense may be speeding. In Missouri, drivers caught going 25+ mph over the speed limit pay around $2,100 annually for insurance. A driver in Missouri who has no traffic citations pays, on average, around $1,700 per year for coverage.

If you believe you have the lowest insurance rates possible in Missouri, given your driving history, ask your insurance agent about auto policy discounts.

Multi-car, good student, telematics, and paid in full discounts are the easiest and fastest way to save money on your insurance premiums.

Missouri Non-Owner SR-22 Insurance

Even if you do not own a car, you can still be required to carry a non-owner SR-22 insurance certificate. You can receive an SR22 requirement after committing a traffic violation in a vehicle you borrow or rent.

Not owning a car does not mean you can skip out on carrying car insurance. To fulfill your SR-22 requirement, you will need to purchase a non-owner car insurance policy.

Non-owner insurance provides drivers who do not own a car with the required insurance.

Subsequently, purchasing such a Non-owner SR-22 insurance policy fulfills your SR-22 requirement. This type of insurance is regarded as one of the cheapest ways to get coverage. This is because it has some specific qualifications.

Non-owner insurance is unavailable if you own a car or have regular access to one. This policy is only recommended for people who frequently rent or borrow cars.

Cheapest auto insurance in Missouri for Drivers with Speeding Tickets

Speeding is a traffic violation that can significantly affect the price of car insurance. A single speeding ticket typically increases insurance premiums by an average of 23% in Missouri.

While you may have higher auto insurance rates for now, in most cases, insurance costs begin to decrease within 3 to 5 years, provided no additional driving violations occur during that period.

Obtaining multiple car insurance quotes is the best way to find the most competitive rates, and Insurance Navy shops around for the best rates.

Cheap Car Insurance Rates by City in Missouri

Your zip code significantly influences the amount you can expect to pay for car insurance.

We have found the cheapest car insurance rates for drivers in Jefferson City, MO. In contrast, the highest rates are found in St. Louis, MO.

Average Premiums by City:

• St. Louis: $2,100/year

• Kansas City: $1,950/year

• Jefferson City: $1,400/year

Car Insurance Trends in Missouri

Missouri’s average auto insurance premium is approximately $1,661 per year, reflecting a 5.1% increase from the previous year.

Missouri residents are paying about 5.1% more year over year. While no one wants rising rates, especially in the current economy, the most significant price hikes occurred between 2021 and 2024.

Despite the increase in rates lately, Missouri's average rate of $1,661 is much lower than the national average of $2,150.