Finding an appropriate Missouri car insurance policy can be an essential financial decision. Your rate can depend on a range of factors such as your age, driving history and coverage choices – MoneyGeek’s Missouri Car Insurance Calculator can give estimates based on these variables to give an idea of your likely rate variations based on these considerations – although your actual rates will likely differ – our calculator can help explain which policies may offer lower premiums.
As with other states, Missouri car insurance rates depend heavily on your location. Other factors, including marital status, driving record and credit score can have an impactful influence. Furthermore, changing companies could save many drivers hundreds annually – switch now!
We analyzed average car insurance rates in Missouri by zip code to assess how it might influence premiums. Drivers in more expensive areas spend an average of over $1,400 more a year than those living in less costly areas of Missouri.
Shopping around for Missouri auto insurance can save you hundreds of dollars, even if your driving record or credit is less-than-stellar. Compare quotes from multiple providers, as well as explore options for both minimum liability coverage and full coverage auto policies available in Missouri.
Age can have a dramatic effect on car insurance rates in Missouri. Younger drivers tend to pay more due to being considered high-risk. Young drivers can often lower their premiums if they opt for policies with higher bodily injury and property damage limits than required by state minimums.
As people get older, their car insurance rates generally decrease since insurers view them as safer drivers. A driver in their 50s typically pays approximately half as much for car insurance compared to one in their 30s.
USAA stands out as being the cheapest car insurer in Missouri for all age categories, while State Farm tends to be less costly for drivers over 25. USAA and Missouri Farm Bureau offer affordable coverage for teens ages 16-18 respectively – USAA offering lower premiums than its competition on separate policies for both 16-year-old drivers.
Travelers, Auto-Owners and Farm Bureau provide Missouri with some of the most cost-effective full coverage car insurance policies, with premiums for comprehensive and collision coverage that are roughly in line with national average. This coverage protects you if your vehicle is damaged from non-collision related incidents (subject to deductible), such as theft, fire and vandalism; as well as covering medical bills associated with an uninsured or underinsured driver causing a crash – these providers typically cost an average of 2.1x more expensive than minimum liability policies with state minimum limits.