Car insurance rates in Missouri can range by hundreds of dollars depending on your age, driving history and credit score. Utilizing a Missouri Car Insurance Calculator can help you estimate how much coverage will cost you in your area.
Minimum Insurance Requirements in Missouri
Auto insurers typically require drivers to have at least a basic policy with liability coverage, collision coverage and uninsured/underinsured motorist protection. Unfortunately, these limits won’t cover injuries or property damage caused by another driver or their car; thus it is recommended that drivers carry more coverage than what these minimums provide.
How to Find the Lowest Rates in Missouri
In Missouri, most insurers offer discounts that you can take advantage of to save money on your premiums. These may include good student discounts, multiple policyholder discounts, safe driver discounts and more. Some companies even give discounts for installing safety devices or going paperless with your policy documents.
What Makes a Good Car Insurance Company?
When searching for Missouri car insurance carriers, look for ones that provide excellent customer service and have an established reputation. These companies will be able to offer you the right policy at the most reasonable cost – whether it’s comprehensive coverage or liability protection you require.
Missourians seeking the lowest car insurance premiums will typically turn to regional carriers like USAA, Columbia, Electric Insurance Company and Missouri Farm Bureau for their policies. These insurers usually offer lower rates than national providers and make for a great choice when searching for low premiums.
High-Risk Drivers in Missouri
Are you a high risk driver in Missouri? It could significantly raise your insurance rates. Insurers view drivers with multiple violations or an accident as more dangerous and charge them more for coverage. Even one speeding ticket can result in steeply increased premiums, so make sure to maintain a clean driving record to save money on coverage.
Young Drivers in Missouri
Adding a teenage driver to your auto insurance can increase the premium you pay an average of 2.9x. That is because insurers consider them high-risk drivers, meaning they are more likely to get into accidents than older, more experienced drivers. With that being said, adding a teen driver can significantly raise your rates!
Before making a final decision, it is wise to obtain quotes from multiple companies in order to find the most affordable coverage options. Doing this will prevent you from paying for any unnecessary extras.
Finding the Cheapest Car Insurance in Missouri
Obtaining affordable car insurance in Missouri doesn’t have to be a difficult process with the right tools and knowledge. NerdWallet’s car insurance calculator allows you to compare rates from multiple companies by simply entering your information.
If you’re a safe driver, take a defensive driving course and lower your rates by installing an anti-theft device in your car. Most insurance companies also give discounts to students, members of auto clubs or homeowners.
How to Compare Car Insurance in Missouri
Missouri boasts a vast array of top car insurance companies, each offering different policies and features. Comparing quotes from these various carriers takes only minutes by submitting an online quote request.