Here we show the latest brands and models, often before they hit the market. We also report on other important announcements in the automotive industry. Whether you're buying a new car, looking for the latest products, or wanting something to fix the Man Cave, you'll find our review here. USAA, Missouri Farm Bureau, and State Farm typically offer the cheapest auto insurance rates for Missouri drivers.
It's important to get quotes from multiple vendors to determine which company has the lowest prices. We've rounded up the auto insurance providers that offer Missouri's best combination of affordable coverage and high-quality plans. While USAA has the cheapest Show-Me State rates overall, State Farm received the highest score of all the companies we researched. It's almost certain that the cheapest auto insurance in Missouri will be the minimum liability coverage.
While this will meet your state's car insurance requirements, it won't protect your vehicle or cover personal bodily injuries. If you take out an auto insurance plan with full coverage, it will cover your medical and car bills instead of just those of other drivers. Nobody is a perfect driver, so while these plans cost much more than the minimum coverage, you could save a lot of money if you're involved in an accident at fault. You may be wondering why your insurance rates in Missouri vary from what's listed above.
That's because car insurance companies base individual premiums on many different variables. Your age, driving record, and location in Missouri contribute to the total cost of your car insurance. Driving history is another key component of auto insurance rates in Missouri, as people with a clean driving record typically get cheaper auto insurance rates. Any accident or traffic violation by the at-fault party, such as speeding tickets, can result in higher premiums.
The impact of your driving record on your monthly cost varies depending on the car insurance company. Below is a list of the top insurers in Missouri and their average minimum coverage rates for good drivers compared to those marked as high-risk drivers. Where you live in Missouri has a significant impact on your car insurance premiums. Factors such as population density, crime rates, and weather patterns vary from zip code to zip code, and you can expect car insurance rates to follow suit.
The table below shows the average car insurance rates in Missouri's largest cities. If you have collision coverage and comprehensive coverage, you won't have to cover the costs of repairing your own vehicle after theft, vandalism, car accident, or adverse weather conditions. Other types of coverage, such as personal injury protection (PIP) and medical payment coverage (MedPay), could make it easier to cover potential medical bills. While certain companies are known to offer reasonable premiums to Missouri drivers, we recommend that you consider USAA and Missouri Farm Bureau as you begin your search for the best auto insurance company.
USAA typically offers the cheapest auto insurance in Missouri for both full coverage and minimum coverage plans. For those who are eligible, USAA may be the best choice between balancing the cost and quality of coverage. Missouri Farm Bureau's auto insurance price estimates in Missouri were extremely competitive, nearly matching those from USAA. That, combined with the company's reputation and financial strength, makes it an excellent coverage option at Show-Me State.
State Farm generally offers the cheapest car insurance when it comes to national averages. Missouri drivers typically receive their lowest premiums from the USAA and Missouri Farm Bureau. The easiest ways to reduce the cost of your car insurance in Missouri are to reduce the amounts and types of coverage, increase your deductible, and seek discounts for drivers. Improving your credit rating and combining coverage with homeowners or renters insurance are other ways to get lower rates in the long term.
Yes, it's illegal to drive without insurance in Missouri. Expect to receive a misdemeanor if you are caught driving without coverage and without a current record. You may be fined, lose your driving license, or even face a short term in prison. Our expert review team is happy to provide accurate and unbiased information.
We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best auto insurance providers. Ed Zuccarelli is a freelance writer and former police officer, whose police experience made him an expert in motor vehicle law and the auto insurance industry. Insurance companies licensed to offer personal auto insurance in Missouri must provide the Driver's License Office with information about the insurance of drivers and the vehicles they insure, mainly at garages in Missouri. A full-coverage auto insurance policy generally combines collision coverage and comprehensive coverage with state minimum insurance requirements.
To find cheap car insurance for seniors, drivers in their 60s should be sure to compare prices to find the best rate. Louis drivers can still save money on car insurance. The best way to get the best rates is to compare quotes from several companies. Auto insurance companies take into account all recent accidents, claims, and fines in their history and will increase their rates accordingly.
If you have a speeding ticket, an at-fault car accident, or a conviction for driving under the influence of alcohol on your driving record, you could pay much more for car insurance coverage. The analysis included 5 to 10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Car insurance is a major purchase, but finding cheap auto insurance in Missouri isn't always easy. The minimum car insurance may not be enough to fully cover the costs of the accident, and the remaining balance would have to come out of your pocket.