It's important for Missouri drivers to know the minimum car insurance requirements to comply with the law. Experts recommend that drivers purchase full-coverage insurance with liability limits as high as they can afford to protect against unexpected events. Different areas represent more or less risk depending on factors such as crime rate, traffic, car thefts and population density. Insurance companies research the risks in each area and then use that knowledge to determine how much they can charge for premiums.
Similarly, if you get a speeding ticket in Missouri, you're likely to see an increase of up to 24% in what you pay for car insurance when you renew your policy. You'll generally pay more for three years. However, the increase in your rate also depends on state laws, your insurance company, and your driving history. But even with a traffic ticket, comparing prices can save you money.
Fortunately, there are ways that high-risk drivers can reduce the amount they must pay for premiums. Searching for prices and comparing quotes is a good starting point, as each company will have its own pricing structure specifically adapted to individual needs. Use the tool below to see which company offers the cheapest rates for drivers with speeding tickets, drunk driving convictions, and at-fault accidents. Select your state and risk factor below to view the insurance company and its average annual total coverage rates.
Missouri drivers can save hundreds of dollars by comparing prices and comparing quotes. While there are many factors that influence the cost of your car insurance, from driving history to the type of car, there are many options to get the coverage you need at a price that fits your needs. Start your search for the best auto insurance policy in Missouri by collecting quotes from several insurers for comparison. Below is a breakdown of auto insurance companies in Missouri and their average annual premiums.
Select your city below to see the insurance company and their average total coverage rates. Ultimately, understanding your needs to find the best policy at the most competitive price is key. Compare prices to find a good deal that gives you peace of mind when you hit the road in Missouri. Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication.
He is passionate about making insurance topics easy for people to understand and helping them make better financial decisions. When she's not writing, you can find her reading a book or watching anime. Learn more about when to cancel optional coverage and the penalties for driving without insurance in Missouri to make sure you're paying for the coverage you need. If you're looking for another car, getting quotes can help you better understand your insurance costs before you commit.
In Missouri, the factors that have the biggest impact on car insurance costs are your age and your credit score. And if you need more help finding cheap auto insurance in Missouri, try NerdWallet's car insurance comparison tool to easily check estimates from around the state. In addition to the legal consequences of driving without insurance, you could easily be responsible for tens of thousands of dollars or more in damage to your vehicle, to the other driver's repair and hospital bills, and to your own medical care. You'll pay more for full-coverage auto insurance in Missouri if you have incidents on your driving record.
Bankrate's insurance editorial team includes licensed insurance agents who have quoted policies for thousands of customers. You could face growing debt or even bankruptcy, especially if the other driver doesn't have coverage for uninsured drivers or personal injury protection. By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than they did in their teens and 20s. For some people, it's better to pay for car insurance on a monthly basis because it gives them more flexibility in their budget.
Car insurance is a legal contract, which means that you must be 18 years or older to buy your own policy in most cases. .