Missouri drivers face many factors that impact how much car insurance they pay. The state average is $1,943 for full coverage and $468 for minimum coverage; however, individual rates can differ significantly as insurance providers consider factors beyond your control such as location and credit score when setting premiums.
Missouri drivers tend to pay more than drivers from other states for car insurance premiums, particularly those living in metropolitan areas like St. Louis and Kansas City. But there are ways you can still find cost-effective coverage in Missouri: shopping around, reviewing your coverage options, and weighing company benefits can lead to substantial savings each year on auto policies.
Most states mandate drivers obtain at least minimum liability coverage to legally drive, yet this often isn’t sufficient to cover the costs associated with serious accidents. Therefore, purchasing full coverage (which includes both uninsured/underinsured motorist and collision) to protect yourself financially might be worthwhile – you may even find discounted policies from Jerry users such as American Family.
At-fault accidents or DUI convictions will likely increase your car insurance costs, as these incidents put you at greater risk of future claims. To find cheap car insurance in Missouri despite such driving violations, minimum-coverage policies often offer better value; Jerry can help find affordable full coverage policies which go beyond state minimum requirements and include comprehensive and collision coverages.
Missouri drivers could pay more if they allow their car insurance policy to lapse, with drivers who allowed coverage to lapse paying 9% more on average than drivers with continuous coverage. Even short periods without coverage can expose drivers to legal fines and additional costs if caught, so being unprotected is simply not worth taking.
Improving your driving habits is the surest way to reduce rates, with clean records, no speeding tickets and abstaining from alcohol and drug abuse being key factors in lowering rates in Missouri. Furthermore, many insurers provide defensive driving courses at discounted rates as a means of saving on car insurance premiums. Consider dropping features that you don’t use, like collision and comprehensive coverage, that won’t save much on insurance premiums. By following these tips you can secure cheap car insurance in Missouri that fits both your needs and budget.