Cheap Car Insurance in Missouri

Cheapest Car Insurance in Missouri for All Cars and Drivers

Missouri is known for several things: its iconic Gateway Arch which is a symbol of westward expansion of the United States, its rich musical heritage, and soybeans.

However, one thing Missouri should also be known for is cheap car insurance. Finding the right policy can be challenging for those on a budget, especially with the current economic conditions. Now is the perfect time to find an affordable car insurance policy to ease the burden on your wallet.

Car insurance policies in Missouri are often cheaper than the national average, provided you know where to look. This guide breaks down everything you need to know when shopping for cheap car insurance in Missouri.

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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 insurance coverage to operate on state roadways.

You must also carry proof of insurance at all times. Failure to provide proof 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

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 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 coverage
• Roadside assistance
• Rental car reimbursement
• Uninsured/underinsured motorist coverage

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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.

Penalties for Driving Without Insurance

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

While shopping for car insurance might not be fun, finding a deal never hurts. Minimum liability policies are the cheapest way to meet Missouri’s legal requirements without overspending.

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.

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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

While no strict rule applies, the general agreement among auto insurers is that, as drivers age (within reasonable limits), their likelihood of being involved in an accident decreases.

For instance, a 30-year-old with a family is logically expected to drive more responsibly than an 18-year-old still in high school. Likewise, younger drivers in Indiana have not had the opportunity to establish a strong driving record and possess less experience on the road.

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.

Every driver deserves a fair opportunity to access affordable auto insurance. For this reason, 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

The state and zip code where you reside influence the rates you will pay for affordable auto insurance.

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?

Millions of Americans, including tens of thousands in Missouri, struggle with poor credit. With rising inflation and soaring living expenses, it’s understandable that many individuals find it difficult to keep up with bills. But how does this impact your ability to secure affordable auto insurance in Missouri?

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. Although it may seem unfair, we don’t set the rules; instead, we work diligently to connect you with the best possible rates.

For example, industry data indicates that drivers in Missouri with poor credit often pay up to 70% more annually than those with excellent credit. Insurance Navy specializes in providing coverage for drivers with bad credit, ensuring options for all vehicles and drivers.

How does Marital Status affect Auto insurance premiums in Missouri?

You might not have considered it, but marital status, whether you’re single or married, can influence how much you pay for affordable auto insurance.

Insurance companies have found that, statistically, married individuals are less likely to be involved in accidents. As a result, they typically pay lower rates, making their policies cheaper than those of single individuals, assuming all other factors are equal.

How does Vehicle Type affect Auto Insurance Premiums in Missouri?

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

A new car has a higher replacement value than an older, basic model, which means a higher claim payout for repairs or replacement after an accident.

Sports cars have higher insurance premiums due to their higher cost and the increased risk of accidents associated with that type of vehicle.

Insurers consider family sedans safer and less likely to be involved in accidents, resulting in cheaper insurance rates.

How Your Driving Record Affects Insurance Premiums

Any violations on your driving record will raise your insurance costs. Here’s how certain violations impact rates on average:

• 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%

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Cheapest Car Insurance in Missouri After a DUI

Missouri has a strict policy regarding driving under the influence, a stance its auto insurance providers reflect. ⁤⁤In addition to facing significant legal penalties and fines, drivers with a DUI conviction should anticipate higher car insurance premiums. ⁤

⁤Drivers with a DUI on their record are classified as high-risk, making affordable insurance policies difficult to find. ⁤⁤Shopping around and comparing insurance rates remains the most effective strategy for finding a policy that fits within your budget. ⁤

⁤At Insurance Navy, we partner with multiple insurance companies to find the most competitive rates for our clients. ⁤

⁤Some insurers may charge 70-80% more for individuals with a DUI compared to those with a clean driving record.

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.

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.

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Best Auto Insurance Rates in Missouri for Safe Drivers

As bad drivers are penalized with higher rates, insurance companies reward individuals with good driving records. The definition of a good driver generally refers to having no or few infractions on their driving record.

Maintaining a clean driving record can lead to lower auto insurance premiums. You may become eligible for benefits such as safe driver discounts, lower deductibles, and other discounts.

Cheap Car Insurance Rates by City in Missouri

Your zip code significantly influences the amount you can expect to pay for car insurance. Although we only have partial data available, we can provide some figures that offer helpful insight.

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

Are you wondering what other drivers are paying for auto insurance and how rates have changed over time? 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. In contrast, premiums saw a notable decrease from 2011 to 2012.

The bad news is the upward trend in auto insurance rates. However, the good news is that, on average, auto insurance premiums in Missouri remain lower than the national average.

Best Cities for Cheap Car Insurance in Missouri

The following cities in Missouri offer the most affordable car insurance rates:

Tips for Finding Affordable Car Insurance in Missouri

Compare Quotes – Easily with Insurance Navy

One of the most efficient ways to find the cheapest car insurance in Missouri is by comparing quotes. Worried that it might take too long? It doesn’t have to. At Insurance Navy, we partner with top insurance providers to offer you the best prices and coverage across multiple companies with minimal effort on your part. With a single request for a price quote, we can match you with the best policies that suit your budget and needs.

Understand How Various Factors Affect Your Auto Insurance Rates

This guide highlights the major life choices and circumstances that influence your auto insurance premiums. While some factors, such as marital status, are beyond easy control, others can be strategically used to lower your rates.

Choose the Right Auto Coverage

At Insurance Navy, we are dedicated to educating customers like you on the different types of insurance policies available. We work closely with you to find the right policy that fits your needs, ensuring you only pay for the coverage you require—nothing more.

Avoid Letting Your Auto Policy Lapse

A common mistake, particularly for those who don’t drive regularly, is allowing their insurance policy to lapse. A lapse in coverage can be viewed negatively by insurance companies and may interrupt the long-standing record of good driving habits you’ve established.

Consider Uninsured Motorist Coverage

Research indicates that roughly 16.4% of drivers in Missouri are uninsured. While uninsured motorist coverage may not reduce your premiums, it can protect you from significant financial losses in the event of an accident involving an uninsured driver.

Affordable Car Insurance with Insurance Navy

Insurance Navy is committed to helping Missouri drivers find affordable car insurance coverage they deserve at the lowest rates. As a car insurance broker, we provide Missouri drivers access to a wide range of top insurance carriers, simplifying the process of comparing quotes and finding affordable coverage.

Insurance Navy Makes Finding Cheap Car Insurance in Missouri Easy

Whether you live in St. Louis or any other city in the state, Insurance Navy can help you find the affordable car insurance you need. Call one of our agents at 888-949-6289 or get a free quote online. We’ll provide you with a low-cost Missouri auto insurance quote in three minutes or less.