Cheap Car Insurance in Missouri For 2023

CheapInsurance.com has put together information, tips, and price comparisons to help you find Missouri cheap car insurance.

Missouri is referred to as the “Show Me State,” because of its magnificent scenery.

From the lush forests in the Ozark Mountains to the Mississippi River, it can be difficult to decide what route to take to see some of the natural sites.

Whether you are a visitor or a Missouri resident, you must maintain car insurance that meets the requirements of the laws of your state.

The average cost of car insurance in Missouri is $468 for minimum coverage and $1,661 annually for a full coverage policy.

What Type of Car Insurance is Required in Missouri?

Missouri requires vehicle owners and drivers to have liability coverage and uninsured motorist (UM) coverage.

Uninsured motorist coverage

Uninsured motorist coverage helps pay for your medical expenses and repair costs when a driver who doesn’t have insurance causes an auto accident.

Liability coverage

If you own or operate a motor vehicle in Missouri, you are required by law to have the following car insurance coverage for injuries you cause to another, for at least:

• $25,000 per person for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle.
• $50,000 per accident for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle.
• $25,000 for property damage per accident caused by the owner/driver of the insured vehicle.

Liability coverage pays:

• Medical bills.
• Property damage bills.
• Other costs of drivers, passengers, and pedestrians who are injured or have their vehicle damaged in a car accident you cause, up to coverage limits.

You can carry more coverage to protect you in case a serious crash results in significant car accident injuries and vehicle damage.

Once policy limits are exhausted, you are financially responsible for damage caused.

Remember that liability coverage doesn’t apply to your own injuries or vehicle damage after a Missouri car accident.

You’ll need different (additional) coverage for that if you’re involved in a car accident and no one else’s insurance covers your losses.

For example, collision coverage can pay for repairs to (or replacement of) your damaged vehicle after a car accident.

What you pay for car insurance will depend on factors in your unique driving profile. This includes your:

• Driving record.
• History of car accidents.
• Credit rating.
• Marital status.
• Age.
• Gender.
• Vehicle type.
• Insurance provider.
• Location within the state.
• Coverage type.
• Set deductible.

To help you find the best deals on car insurance in the state, we’ve compared quotes from these car insurers:

• Liberty Mutual.
• Clearcover.
• State Auto.
• The General.
• Bristol West.

Because the cost of car insurance is dependent on your individual driving profile, we’ve gone a step further and compared the cost of Missouri car insurance for these types of drivers:

• Good drivers (those with a clean driving record).
• Young drivers (those aged between 16 – 25).
• Bad drivers (those with a history of traffic violations).

Is It Legal to Drive without Car Insurance in Missouri?

It’s illegal to drive a motor vehicle in Missouri without auto insurance.

A driver must show proof of insurance to any law enforcement official, upon request, or a traffic ticket will be issued.

If convicted of “failing to show proof of insurance” in court, one of three things will happen to the driver:

1. The court will send the conviction to the Department of Revenue and the conviction will be entered on the driver’s driving record.
2. The court may issue an order of supervision so that the driver can be monitored to ensure car insurance is being maintained.
3. The court may suspend the driver’s driving privileges for failing to show proof of insurance.

You could lose your driving privileges for an entire year and be forced to pay a $400 reinstatement fee, on top of a $500 fine and/or 15 days in jail.

How Much Does the Minimum Car Insurance Cost in Missouri?

Car insurance costs in Missouri can vary considerably based on factors such as your age, driving history, ZIP code, make and model of the vehicle, and credit score.

All drivers in Missouri have to meet the minimum coverage of car insurance.

If you’re found to be at-fault in a car accident and do not meet the minimum coverage car insurance requirements, you will be held personally responsible for paying the other party’s medical bills, legal bills, and lost wages.

What Is Minimum Liability Insurance?

Minimum liability insurance is the least amount of coverage you must have for any damages you cause in a car accident. Liability insurance includes:

• Bodily injury liability coverage: Bodily injury liability coverage covers other people’s physical damages in an accident.
• Property damage liability coverage: Property damage liability coverage covers damages to the other driver’s property.

Minimum liability insurance requirements are usually listed as three amounts: In Missouri, they are:

• $25,000 per person for bodily injury or death per person.
• $50,000 per accident for total bodily injury or death liability per accident.
• $25,000 for property damage per accident caused by the owner/driver of the insured vehicle.

These limits are the maximum that your insurance company will pay out.

We have found that on average, the cost of a minimum liability car insurance policy in Missouri is $210.36.

Liberty Mutual offers the lowest insurance rates for minimum liability coverage on average, costing $159.20.

Find Cheap Comprehensive Car Insurance in Missouri

While having a comprehensive car insurance policy is optional in Missouri, you should be wary of overlooking it unless you have savings that can cover damage to your vehicle in the event of the following:

• Theft or theft of parts.
• Non-crash damage (natural disasters, fire, flooding).
• A broken windshield.
• Car damage from hitting an animal.

Repairing car damage can easily amount to thousands of dollars. Without comprehensive car insurance, you risk finding yourself in a situation where you are unable to drive your car because you cannot afford to repair it.

To help you find the cheapest comprehensive car insurance in Missouri, we compared the rates offered by four insurers.

We found that the two cheapest insurance companies in Missouri are:

• Clearcover with average rates of $179.80.
• State Auto with average rates of $214.00.

Cheap Car Insurance in Missouri for Drivers with Clean Driving Records

You can qualify for good driver car insurance rates if you have a history of safe driving.

If your motor vehicle record is free of accidents and claims, you represent a low risk for the insurance company, resulting in lower premium costs.

Companies may offer one or both of two common types of good driver discounts:

• A discount for avoiding violations for a certain number of years.
• A discount for avoiding accident claims for a certain number of years.

If you are a new driver without enough driving experience to qualify for a good driver discount, you may wish to consider enrolling in a defensive driving course to increase your road sense.

Some car insurance companies will offer an additional discount if you have completed an accredited defensive driving course.

We’ve looked at the average car insurance rates offered by car insurance companies for good drivers. The three cheapest car insurance companies for good drivers in Missouri are:

• Liberty Mutual with average rates of $183.00.
• Clearcover with average rates of $171.20.
• State Auto with average rates of $200.40.

Cheap Car Insurance in Missouri for High-Risk Drivers

Car insurance companies use the term ‘high risk’ to describe drivers who are more likely to make a claim against their auto insurance policy.

Some of the offenses that may lead to being considered a high-risk driver include:

• Receiving a DUI conviction.
• Reckless driving.
• Speeding tickets.
• Driving without meeting the minimum liability coverage requirements.
• A poor credit score.
• Unpaid insurance policy premiums.

If you are a high-risk driver, Missouri car insurance companies are likely to increase the cost of your insurance.

We’ve done the hard work of comparing quotes from various insurers to help you find the best rate.

• The cheapest car insurance company for high-risk drivers is The General at $353.20.
• The most expensive car insurance company for high-risk drivers is Bristol West at $533.80.

Cheapest Car Insurance in Missouri for Young Drivers

Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates compared to more mature drivers.

A full coverage policy is recommended for teen drivers if they can afford it.

Teens tend to get into accidents more often than adult drivers, so they’re more likely to benefit from having repairs on their car covered.

A minimum coverage policy, though it is much cheaper, could ultimately cost more if a teen gets into a serious accident and has to pay for repairs completely out-of-pocket.

Good student and driver safety course discounts can help young drivers reduce their rates, as can staying on a parent’s policy for as long as possible.

On average, most drivers will see their rates drop as they get older, with a significant decrease once they turn 25 years old.

We’ve compared the cost of car insurance for young drivers to help you save on auto insurance costs.

The cheapest car insurance for young drivers is GAINSCO with average rates of $229.00 per month.

Need Cheap Car Insurance in Other States?

Out-of-state insurance is illegal in almost all U.S. states and is considered to be insurance fraud. This means that your car insurance must be registered in the state in which you live.

Some of the penalties for committing insurance fraud include:

• Up to five years in prison.
• A $50,000 fine.

If you plan to move from Missouri, you will need to find a new car insurance company in the state you move to.

You will usually have a 90-day grace period to cancel your car insurance and get insured in your new state.

To find the best insurance rates in other U.S. states, read our articles below:

• Florida
• California
• New York
• Georgia
• Michigan
• Nevada

Top Tips for Finding Affordable Car Insurance

Consider how you use your car

If you only use your car to drive short distances such as to work and the grocery store, most types of standard car insurance should cover your needs.

If, however, you have unique needs, you should check whether your car insurance company covers these requirements.

Unique needs include:

• Multiple drivers sharing one car.
• Using your car for ridesharing.
• Using your car for work-related deliveries.
• Consolidating all of your insurance policies under one provider.

Compare quotes from different car insurance companies

It’s always a good idea to shop around before making a decision about car insurance.

The only way to be completely certain that you’re getting the best rates on your car insurance is to compare quotes from multiple insurers.

To save time, you can go through a licensed insurance agent or compare quotes from different insurance providers by using our online quote finder.

Top Car Insurance Companies in Missouri

State Auto

Since 1921, State Auto has expanded into a $3 billion organization.

The company takes great pride in being innovative and doing things differently, especially when it comes to:

• Overall customer service.
• Customer flexibility.
• Innovation and technology.

The company provides car insurance policies in 33 U.S. states, and it also offers homeowners insurance, personal insurance, and umbrella insurance.

See how much you could save.

Bristol West

Founded in 1973, Bristol West’s national footprint makes it one of the top ten biggest insurance companies in the U.S.

Bristol West was originally created to provide high-risk drivers with affordable insurance policies and has since expanded its services to all types of drivers.

Some of the benefits offered by Bristol West include:

• Multiple policy bundling discounts.
• Personalized car insurance policies.
• Rideshare coverage.
• Medical payments.
• Gap coverage.
• Towing and roadside assistance.
• Rental car reimbursement.

Get a free quote for personalized car insurance.

Car Insurance in Missouri FAQs

Do I need to have car insurance in the State of Missouri?

Like car accident laws, car insurance requirements vary from state to state. In Missouri, every motorist must carry the following:

• $25,000 per person for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle.
• $50,000 per accident for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle.
• $25,000 for property damage per accident caused by the owner/driver of the insured vehicle.

What are the cheapest car insurance companies in Missouri?

The amount you pay for a car insurance policy in Missouri depends on several criteria, including your age, credit score, gender, claims, and driving history.

The cheapest car insurance in Missouri for good drivers is from Clearcover at $171.20 per month and for young drivers, it is from GAINSCO with average rates of $229.00 per month.

What are the best car insurance companies in Missouri?

Determining the best auto insurance companies in Missouri comes down to individual preferences and needs.

When choosing the best auto insurance, consider what is most important to you, such as price, coverage offerings, available discounts, or customer satisfaction.

The best car insurance company may not have the cheapest rates but may excel in another important area for you.

Why is uninsured motorist coverage important in Missouri?

Unfortunately, not all Missouri drivers carry car insurance coverage. Uninsured motorist coverage kicks in when you’ve been in an accident with such a driver.

If another driver doesn’t have insurance that can cover your medical bills, your uninsured coverage will go toward paying the expenses for any injuries you sustained in the accident.

Missouri requires this coverage to prevent you from suffering financial loss in the event that you are in an accident with an uninsured driver.

Is car insurance expensive in Missouri?

To find the cheapest car insurance in Missouri, we recommend comparing car insurance premiums from multiple companies.

This can be a time-consuming process, so find the best deals by getting in touch with one of our insurance agents.