Car Insurance for Good Drivers in Missouri

Car insurance for good drivers in Missouri

Some of the factors contributing to car insurance rates are out of your control: your gender, age, and location are important rating factors over which you don’t have much say. There are, however, factors you can more easily alter in pursuit of low premiums.

To ensure you keep your car insurance cheap, consider keeping your driving record squeaky clean, your credit score high, and your monthly driving mileage low. Auto insurance companies provide premium price cuts to drivers who pose the least risk. Exhibiting as little risk as possible behind the wheel can lead to lower rates.

See below rates from top companies for low-risk drivers in Missouri.

Car insurance for citation-free drivers in Missouri

One of the easiest ways to pay less for auto insurance is to keep your driving record clean. Car insurance companies see safe drivers as less risky customers, in turn charging them less. Staying on the right side of the law is a great way to cut your insurance costs.

If you're free of tickets, start your search for car insurance with Allied, with an average annual rate of $947. That sums to $590less than the average car insurance rate for citation-free drivers in Missouri.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN MISSOURI
Insurance CompanyAvg. Annual Auto Insurance Rate
Allied$947
MO Farm Bureau Services$992
USAA$1,109
Nationwide$1,307
State Farm$1,420
Cameron Mutual Group$1,427
Encompass$1,636
Progressive$1,744

Auto insurance rates for drivers with above-average credit scores in Missouri

Car insurance companies reward drivers who have above-average credit. Insurers see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score is “good,” your best option for car insurance might be Allied, offering an average annual rate of $947. If your credit score is in the “excellent” range, Allied might be a smart place to start your search. Allied's rates for drivers who have credit scores of 800 or better are $303 per year cheaper than average rates for drivers with excellent credit in Missouri.

Find below a breakdown of auto insurance rates in Missouri for drivers with good, very good, and excellent credit scores.

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN MISSOURI
Insurance CompanyAvg. Annual Auto Insurance Rate
Allied$947
MO Farm Bureau Services$992
USAA$1,109
Nationwide$1,307
State Farm$1,420
Cameron Mutual Group$1,427
Encompass$1,636
Progressive$1,744

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN MISSOURI
Insurance CompanyAvg. Annual Auto Insurance Rate
Allied$900
MO Farm Bureau Services$934
USAA$1,021
Cameron Mutual Group$1,139
Nationwide$1,238
State Farm$1,311
Automobile Club of Missouri$1,518
Shelter$1,553

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN MISSOURI
Insurance CompanyAvg. Annual Auto Insurance Rate
Allied$840
MO Farm Bureau Services$877
Cameron Mutual Group$966
USAA$967
Automobile Club of Missouri$1,147
Nationwide$1,151
State Farm$1,217
Shelter$1,337

Compare rates from top companies!" }<div></br></div><h3>Car insurance for low-mileage drivers in Missouri</h3><p>If you drive infrequently, you're less likely to file an auto insurance claim. At least that's what car insurance companies think. If you don't exceed the threshold of 7,500 miles per year, you’re likely to save some money on auto insurance each month. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.</p><p>If you're a Missouri resident who drives less than 7,500 miles per year, consider USAA, which offers average annual savings of $594 for low-mileage drivers. <h5>AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN MISSOURI</h5><figure class="table-responsive"><table class="table"><thead><tr><td><strong>Insurance Company</strong></td><td><strong>Avg. Annual Auto Insurance Rate</strong></td></tr></thead><tbody><tr><td>USAA</td><td>$943</td></tr><tr><td>Allied</td><td>$947</td></tr><tr><td>MO Farm Bureau Services</td><td>$992</td></tr><tr><td>State Farm</td><td>$1,286</td></tr><tr><td>Nationwide</td><td>$1,307</td></tr><tr><td>Cameron Mutual Group</td><td>$1,398</td></tr><tr><td>Shelter</td><td>$1,603</td></tr><tr><td>Encompass</td><td>$1,636</td></tr></tbody></table></figure><div></br></div>{ card_cta "Start your search today — compare rates now!" }<div></br></div><h3>Rates for good drivers in Missouri — in major cities</h3><p>Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Car insurance companies price policies by the driver’s home ZIP code, adjusting prices for the risk levels associated with various regions.</p><p>Find below a breakdown of car insurance rates for drivers with positive rating factors in the biggest cities in every state.</p><figure class="table-responsive"><table class="table"><thead><tr><td><strong>City</strong></td><td><strong>Avg. Rate — No Incidents</strong></td><td><strong>Avg. Rate — Good Credit</strong></td><td><strong>Avg. Rate — Very Good Credit</strong></td><td><strong>Avg. Rate — Excellent Credit</strong></td><td><strong>Avg. Rate — Low Mileage</strong></td></tr></thead><tbody><tr><td>Columbia</td><td>$1,207</td><td>$1,207</td><td>$1,105</td><td>$1,009</td><td>$1,136</td></tr><tr><td>Springfield</td><td>$1,232</td><td>$1,232</td><td>$1,127</td><td>$1,031</td><td>$1,134</td></tr><tr><td>Lee's Summit</td><td>$1,292</td><td>$1,292</td><td>$1,182</td><td>$1,078</td><td>$1,216</td></tr><tr><td>Blue Springs</td><td>$1,297</td><td>$1,297</td><td>$1,187</td><td>$1,086</td><td>$1,206</td></tr><tr><td>Kansas city</td><td>$1,418</td><td>$1,418</td><td>$1,298</td><td>$1,184</td><td>$1,342</td></tr></tbody></table></figure> <div></br></div>{ card_cta "Find an affordable policy today!

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.