It is difficult to find the lowest auto insurance Missouri by yourself. Although it is not the most expensive place to buy car insurance, it’s not the least expensive. This is true from the insurance provider’s perspective. Missouri has more than 157,000 car accidents , with approximately 4,000,000 licensed drivers. This resulted in 881 deaths and 55,112 injuries. This is a large number of insurance claims.
The average annual cost to buy minimum coverage in Missouri is $468. Full coverage costs $1661. These amounts are only averages. If you are more educated about where to find it, what you want and take less risk in your insurance policy, you can get a lower price.
Missouri’s cheapest car insurance
Companies you are familiar with offer the best car insurance in Missouri. It is possible to save money by choosing a smaller company. But it is not always the best option. A local business may be able to offer you the same savings as one that is national.
These are the top five most affordable providers in Missouri based on price, market share and research.
USAA
USAA is Missouri’s cheapest provider, but there’s a catch. They will only cover current and former military personnel, as well their immediate families. These criteria are required to receive a quote. USAA offers more than car insurance. You can also save more by bundling your policies with USAA.
Apart from the fact that it is affordable, USAA has a top-tier JD Power ranking for customer satisfaction.
Progressive
On average, Progressive charges the lowest amount for coverage outside of USAA. It is fourth in Central U.S. customer satisfaction. It scored 849 points out of 1,000 and was just 19 points behind the first place.
Progressive offers many of your same discounts as other auto insurance companies. But what sets it apart is its transparency. Progressive’s website allows you to cost-compare Progressive against other companies. Progressive’s name-your-price tool is another cool tool. Progressive will help you determine how much insurance you can get for that price by giving you your budget.
Geico
Geico can save you a lot of money on your car insurance, regardless of where you live. This is especially true if you live Missouri. JD Power consistently rates Geico high for customer satisfaction and it has one of best insurance apps. You can make claims, pay your premium and request roadside assistance.
Geico’s generous discounts are our favorite reason to use it. Geico has the best auto discounts, and many of these will help you save a lot on your premium. Airbags can help you save up to 23% on premium.
Farmers
Missouri drivers can get affordable car insurance from Farmers. You can save even more on your coverage by bundling home and car insurance, and downloading the Signal app. You can get discounts based upon your driving habits.
There are many add-ons available, including towing, roadside assistance, and new car replacement. These add-ons could be very useful in the event of a breakdown or serious accident.
State Farm
State Farm is the largest auto insurance company in the United States. State Farm offers low rates and discounts comparable to Geico. This makes it a great provider to request a quote.
State Farm offers its customers a top-of-the-line mobile app for free. This app can be used for all your insurance needs and is well known for its exceptional customer service. The Drive Safe and Save app is our favorite feature of State Farm. State Farm’s Drive Safe and Save app monitors your driving habits. You save on your premium if it likes what you see.
Minimum coverage for Missouri drivers
Missouri’s minimum coverage is 25/50/25. Your insurance company must pay at least:
- $25,000 per person/accident for bodily injury/death
- $50,000 for bodily injury/death
- $25,000 per accident to cover property damage
This is a significant amount of money, but it isn’t when it comes to accidents. Consider the cost to purchase new vehicles, even if you don’t consider medical expenses. A new car can cost upwards of $40k, $50k or more. If you purchase a new vehicle, you will need to pay for any excess your insurance company does not cover.
Missouri: How to Get Cheap Car Insurance
There are many ways to obtain affordable auto insurance Missouri. You should shop around as every provider has a unique pricing algorithm. This means that each provider weighs the importance and value of your personal data in a different way. Although your driving record is the most important factor for every company, they will also consider other factors such as where you live and what car you drive, and how far you travel to get to work. It’s possible to obtain different quotes from different national providers.
After you’ve rated each provider and narrowed your choices down to a few, you can compare discounts. When comparing discounts, you should consider discounts that could be used immediately or in the future. You should next speak to representatives from each company to compare the discounts. They will most likely be able tell you how much your premium will go down if they are similar.
You can also improve your credit score or increase your deductible. You will receive a lower payout if you increase your deductible.
Questions frequently asked
What is the best Missouri car insurance?
Many of the top car insurance companies in Missouri are also the most affordable. Shelter Mutual is our number one choice, due to its financial strength rating (AM Best rates them as an A+) as well its customer satisfaction score with JD Power (858/ 1000). It costs an average of $1,889 to get full coverage, making it more expensive than most other companies.
What is the average cost for car insurance in the United States?
Every state has a different car insurance cost average. The national average for full coverage is $1601, while the minimum is $480.
Missouri currently ranks 20th among the US states for full coverage, while 22nd is for minimum coverage ($468).
Is Missouri home to a large number of uninsured drivers
According to the Insurance Information Institute, Missouri’s uninsured rate is 14%, making it the 17th most dangerous state for uninsured drivers in the United States. Missouri requires everyone to have coverage for uninsured/underinsured motorists.
Is Missouri a no-fault state?
Missouri is not a tort state. This means that the at-fault party to a car accident must compensate for damages. Missouri drivers should consider buying more than just basic liability.
