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Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Missouri drivers don't enjoy much of a rate discount for staying safe on the roads, as avoiding at-fault accidents is rewarded by just a 29% price cut, compared to 32% nationally. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.
|Rating Factor||$ Savings||% Savings|
|No Traffic Tickets||$313||19.21%|
Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Missouri, the typical teen driver pays $4,847 per year, which aligns closely with the national average for all teen drivers, but is about three times the rate typical for all Missouri drivers.
|Age||Annual Rate with Parents||Annual Rate Alone|
If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you're probably enjoying relatively low auto insurance premiums. On the other hand, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 27% after a DUI, 29% after an at-fault accident, and 19% after a speeding ticket in Missouri. The penalties assessed by car insurance companies after a DUI citation in Missouri are lower than in many other states. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.
|Rating Factor||Annual Rate||% Increase|
Every auto insurance company emphasizes its low rates. But just like with any service, the cheapest car insurance option is not always the preferable choice. Considering the stakes, it's worthwhile to do your research to find a policy that protects your car adequately after an accident. It's worth comparing insurance options to discover a great value, instead of settling for the cheapest car insurance you can find.
Compare popular insurers' financial strength and claims satisfaction ratings to better understand the quality of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and varying from "Poor" to "Superior" — determines an insurer's financial stability and ability to fulfill its contractual and policy obligations.
|Insurance Company||Claims Satisfaction (J.D. Power)||Financial Strength (A.M. Best)|
|Cameron Mutual||Not Rated||Good|
The required minimum insurance level in Missouri is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $10,000 Property Damage per accident.
For the legal minimum coverage in Missouri, you'll owe an average of $519 each year. This is cheaper than the U.S. average by 21%. If you opt for better car insurance coverage, you can select a policy with comprehensive and collision coverage, insuring against damages caused by car-vs.-car wrecks, theft, or weather incidents. It's worth noting that better auto insurance comes at a cost: in Missouri, a comprehensive insurance policy with a $1,000 deductible runs $1,169, 125% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 156% more than you would for a basic liability-only policy.
Contrast average rates for basic, better, and best car insurance options below.
|Location||Liability-Only||Comprehensive — $1,000 Deductible||Comprehensive — $500 Deductible|
In Missouri, the minimum coverage requirements are as follows:
Optional coverage in Missouri (which varies by carrier) includes:
Some DWI offenses result in harsher penalties if they occur within five years of a previous DWI offense in Missouri. For others, prior lifetime convictions are taken into account. Repeated offenses subject offenders to harsher penalties and fines.
First-time DWI offenses in Missouri lead to:
If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation's severity, your insurance company's pricing strategy, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.
Below is a look at car insurance costs in Missouri after a few common violations.
|Violation||Avg. Annual Auto Insurance Rate||% Insurance Rate Increase||$ Insurance Rate Increase|
|Hit and Run||$2,006||42%||$596|
|Refused Breathalyzer/Chemical Test||$1,901||35%||$491|
|Driving with a Suspended License||$2,024||44%||$614|
|Driving with an Open Container||$1,731||23%||$321|
|Operating a Vehicle Without Permission||$1,768||25%||$358|
|Passing a School Bus||$1,704||21%||$294|
|Following Too Closely||$1,693||20%||$283|
|Failure to Stop at a Red Light||$1,693||20%||$283|
|Driving Wrong Way/Wrong Lane||$1,717||22%||$307|
|Failure to Yield||$1,693||20%||$283|
|Speeding in a School Zone||$1,690||20%||$280|
|Driving Too Slowly||$1,690||20%||$281|
|Driving with Expired Registration||$1,532||9%||$123|
|Failure to Show Documents||$1,532||9%||$123|
|Failure to Use Child Safety Restraint||$1,512||7%||$103|
|Failure to Wear a Seat Belt||$1,509||7%||$99|
|Driving Without Lights||$1,504||7%||$95|
Our data indicate The Hartford has the cheapest premiums in Missouri. On average, you can buy a policy for $45 per month from Travelers.
For a six-month policy, drivers in Missouri pay $665. This is approximately $30 cheaper than the national average.
Yes — like most states in the U.S., it is illegal to drive without insurance in Missouri. Use The Zebra to find insurance online today.
Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Jefferson City, Missouri, and the most expensive in Saint Louis, Missouri.
|Rank||City||Avg. Annual Premium|