Missouri Car Insurance Rates
Estimated insurance rates in Missouri for 2019 are $1,248 a year with full coverage. Comprehensive, collision, and liability cost approximately $278, $508, and $322, respectively. Saint Louis and Florissant average the highest car insurance rates, and the two companies with the most written premium are State Farm and American Family.
Average rate for full coverage: $1,248
Premium estimates by individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range of Auto Insurance in Missouri
For an average driver, insurance rates go from the low end price of $384 for only liability insurance to a high of $2,696 for a driver required to buy high-risk insurance.
These rate differences demonstrate why it is important to compare prices using their specific location, instead of depending on averaged prices.
Use the form below to get accurate rates for your location.
Enter your Missouri zip code below to view companies that have cheap auto insurance rates.
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Recommended Companies for Cheap Missouri Insurance
The chart above shows Missouri auto insurance prices for different risks and coverage choices. The cheapest discount price is $716. Insureds who use higher $1,000 deductibles will pay $1,068. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,248. Choosing low $100 deductibles for comp and collision coverage could cost up to $1,592. Drivers considered high risk could be charged up to $2,696. The cost for full coverage insurance for a teenager can be as high as $4,592.
Auto insurance rates in Missouri also have a wide range based on the type of vehicle you drive, your age and driving habits, and physical damage deductibles and liability limits.
Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $530 annually, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $290 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live in Missouri has a huge impact on auto insurance prices. Less congested rural areas might see rates around $900 a year, whereas some neighorhoods in Saint Louis and Florissant may see prices closer to $1,800. Even different neighborhoods with close proximity in the same city can have significantly different rates.
These rate differences demonstrate the need to quote rates for your specific Missouri zip code.
The make and model of vehicle you drive is a large factor when calculating how much you will pay for insurance in Missouri. Buying a cheaper and lower horsepower model will be cheaper to insure due to cheaper repair costs and lower medical and liability claims.
This table shows car insurance premium estimates for the most popular vehicles in Missouri.
|Make and Model||Premium||% to Avg|
|Get Rates for Your Vehicle Quote Now|
Annual estimated premium for full coverage, $500 deductibles, driver age 40 with clean driving record.
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If you have a few violations or you caused an accident, you may be forking out anywhere from $1,500 to $2,000 in extra premium annually, depending on your age. A high-risk auto insurance policy can be from 44% to 134% more than the average policy. View High Risk Driver Rates
Your auto insurance company affects your policy price. Each company has a different rate structure, and prices can change based upon different risk factors. In Missouri, car insurance prices range from $655 with USAA to as much as $1,940 with 21st Century. Companies like The Hartford, Electric, and Allied fall somewhere in between.These are probably not the prices you would have to pay, as your location, your driving history, and the vehicle type all influence the price.
|Rank||Company||Market Share||Average Rate|
|Get Your Rates Quote Now|
Source: National Association of Insurance Commissioners (NAIC) 2015 Market Share Report and The Zebra
Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay in the ballpark of $4,500 a year. View Rates by Age
With so much difference in prices, the best way to find out which insurance company is cheapest is to get quotes from multiple companies. Each insurance company calculates prices differently, and quoted rates will be substantially different.
Missouri Auto Insurance Articles
- Who Has the Cheapest Missouri Auto Insurance Quotes?
- Best Cheap Insurance Quotes for a Toyota Corolla in Missouri
- Cheap Insurance for a Honda Pilot in Missouri
- Cheap Insurance for a Nissan Rogue in Missouri
- Cheapest Insurance Quotes for a Chevrolet Equinox in Missouri
- How Much Does Car Insurance Cost for Drivers with Accidents in Missouri?
- Who Has Cheap Insurance for a Ford Escape in Missouri?
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Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$94|
|5-yr Claim Free||$80|
|Paid in Full/EFT||$59|
Discounts are estimated and may not be available from every company or in every state.