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 Company | Avg. 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 Company | Avg. 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 Company | Avg. 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 Company | Avg. 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 |
Car insurance for low-mileage drivers in Missouri
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.
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.
AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN MISSOURI
| Insurance Company | Avg. Annual Auto Insurance Rate |
| USAA | $943 |
| Allied | $947 |
| MO Farm Bureau Services | $992 |
| State Farm | $1,286 |
| Nationwide | $1,307 |
| Cameron Mutual Group | $1,398 |
| Shelter | $1,603 |
| Encompass | $1,636 |
Rates for good drivers in Missouri — in major cities
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.
Find below a breakdown of car insurance rates for drivers with positive rating factors in the biggest cities in every state.
| City | Avg. Rate — No Incidents | Avg. Rate — Good Credit | Avg. Rate — Very Good Credit | Avg. Rate — Excellent Credit | Avg. Rate — Low Mileage |
| Columbia | $1,207 | $1,207 | $1,105 | $1,009 | $1,136 |
| Springfield | $1,232 | $1,232 | $1,127 | $1,031 | $1,134 |
| Lee's Summit | $1,292 | $1,292 | $1,182 | $1,078 | $1,216 |
| Blue Springs | $1,297 | $1,297 | $1,187 | $1,086 | $1,206 |
| Kansas city | $1,418 | $1,418 | $1,298 | $1,184 | $1,342 |
Compare quotes now to save today!
