Find the Best Car Insurance Quotes and Options in Missouri
The average cost of car insurance in Missouri is $1,112 per year. That makes car insurance costs in Missouri lower than the national average of $1,311 per year. However, everyone’s car insurance rates will be different, based on where they live and their personal characteristics.
What’s more, it’s important to purchase sufficient coverage so that if you have to file a claim, your policy will cover it. While this can cost more, it can make a huge difference when you need it most.
An independent insurance agent in Missouri can help you find the right car insurance for your needs and budget. Here, we’ll explain some important facts about car insurance in Missouri
Best Car Insurance Companies in Missouri
You can purchase car insurance in Missouri from numerous insurance companies. Where should you even start? We’ve done some of the hard work for you and selected some of the best car insurance companies in Missouri to help you get started. Perhaps one of these top carriers will be the best for your needs.
- Best Missouri car insurance company overall: USAA
- Best Missouri car insurance company for minimum liability: USAA
- Best Missouri car insurance company for full coverage: Nationwide
- Best Missouri car insurance company for young drivers: USAA
- Best Missouri car insurance company for accident history: USAA
An independent insurance agent in Missouri can help you determine if any of these companies have the right car insurance policy for your needs and budget.
Best Missouri Car Insurance Company Overall: USAA
Our pick for the best overall car insurance company in Missouri is USAA. The carrier ranks high for claims satisfaction, ease of interaction, customer service, trust, and other important factors.
USAA was founded in 1922 by 25 Army officers who decided to insure each other's vehicles. Over time, the organization grew to serve millions in the military community, offering a variety of personal insurance products as well as other financial products and services.
USAA’s net worth has surpassed $40 billion. The carrier has more than 13 million members and 37,000 employees. USAA consistently receives high marks for financial stability, including an A++ rating from AM Best, the highest available.
Unfortunately, not everyone can take advantage of USAA’s superior performance. Only active duty and retired military members and select family members are eligible for USAA membership and insurance coverage.
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Best Missouri Car Insurance Company for Minimum Liability: USAA
If you’re looking for minimum liability coverage, USAA is again a top choice for Missouri residents. The carrier allows customers to get bare minimum auto insurance at around $305 per year.
Highly affordable coverage combined with high customer satisfaction ratings makes USAA an easy choice for eligible members.
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Best Missouri Car Insurance Company for Full Coverage: Nationwide
The best car insurance company in Missouri for full coverage is Nationwide. The insurance company offers affordable full-coverage policies with premiums starting at just $76 per month. In addition to cheaper-than-average prices, Nationwide offers a wide range of discounts and unique coverage options like identity theft coverage and total loss deductible waiver that make it a great option for drivers looking for full coverage auto insurance in Missouri.
Nationwide was founded in 1926 as the Farm Bureau Mutual Automobile Insurance Company. Today, Nationwide is a Fortune 100 company that offers a full range of insurance products and financial services across the country.
You can feel secure choosing Nationwide as your car insurance carrier. The company has received an A+ rating from AM Best, an A1 rating from Moody’s, and an A+ rating from Standard and Poors.
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Best Missouri Car Insurance Company for Young Drivers: USAA
Drivers between the ages of 16 and 25 typically pay very high car insurance rates because of the extra risk presented by their inexperience behind the wheel. While insuring a teen driver is never cheap, USAA is one of the best insurance companies for teen drivers in Missouri.
Car insurance for young drivers in Missouri can cost around $243 per month with USAA. The company also offers a good student discount so students with good grades can save on their car insurance.
|Average Monthly Insurance Cost: Families with Teen Drivers||Average Annual Insurance Cost: Families with Teen Drivers|
Best Missouri Car Insurance Company for Accident History: USAA
Your driving record is one of the most important factors in what you pay for car insurance in Missouri. All insurance companies want to know if you’ve been at fault for an accident in the past in order to determine how risky you might be to cover.
In these cases, USAA again earns a spot on our list of top picks. USAA is one of the best Missouri car insurance companies for drivers with an accident history. The company is highly rated for its customer service and for offering affordable policies for drivers with bad records. If you’ve had an at-fault accident, you can get a car insurance policy in Missouri for about $118 per month.
|Average Monthly Insurance Cost: Drivers with Poor Records||Average Annual Insurance Cost: Drivers with Poor Records|
Missouri Car Insurance Requirements
Drivers in Missouri must purchase a car insurance policy that meets the state's minimum coverage requirements. The following types of coverage are required by Missouri state law:
- Bodily injury liability coverage: Protects you if you injure or kill someone else while driving your car. It covers an injured party's claims for the damage, including medical expenses, lost wages, and pain and suffering. It also covers your legal defense fees if another party involved in the accident sues you. In Missouri, you must have coverage of at least $25,000 per person and $50,000 per accident for bodily injury.
- Property damage liability coverage: Covers damage you cause to another person’s property. In Missouri, you must have coverage of at least $25,000 per accident for property damage.
- Uninsured motorist coverage: Protects you if you are hit by a hit-and-run driver or a driver who does not have auto liability coverage. It takes the place of liability insurance that the other driver should have but does not. In Missouri, you must have uninsured motorist coverage of at least $25,000 per person and $50,000 per accident for bodily injury.
Optional car insurance coverages in Missouri include:
- Underinsured motorist coverage: Protects you if another motorist is at fault for a collision but does not have enough insurance to cover your losses.
- Medical payments coverage (or personal injury protection): Helps pay for medical, dental, and funeral expenses for you or your passengers, regardless of who is at fault for an accident.
- Collision coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
- Comprehensive coverage: Covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.
- Roadside assistance coverage: Pays for help if you are locked out of your vehicle, run out of gas, or face some other type of problem while out on the road. Your insurance company will help you contact tow trucks, locksmiths, or other forms of assistance as needed, and will reimburse you for the costs of these services up to certain limits.
- Rental reimbursement coverage: Provides payment for a rental car if your vehicle is damaged and you must rent a vehicle while it is being repaired.
- Loan/lease or gap coverage: Pays the difference between what you owe on a vehicle and its cash value if it is totaled.
An independent insurance agent in Missouri will help you find a car insurance policy that includes the coverage you need.
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Average Cost of Car Insurance in Missouri
The average cost of car insurance in Missouri is $1,112 per year, which is less than the national average of $1,311 per year. Everyone’s car insurance costs are a little different depending on your personal risk factors (e.g., your age, gender, accident history, etc.) and the types and amounts of coverage you select. You can find ways to reduce your car insurance costs in Missouri by taking advantage of discounts offered by your insurance carrier.
Average Missouri Car Insurance Costs by City
The city you live in is one of the most important factors in what you’ll pay for car insurance in Missouri. This is because the city’s crime rate, severe weather frequency, traffic density, and more can all impact how at risk you and your car are at for being in an accident, being stolen, or being subject to some other kind of damage (e.g., hail damage).
In Missouri, we found some of the most expensive car insurance rates in St. Louis, where you’ll pay an average of $1,388 annually. Cheaper rates are available in cities like Jefferson City and Columbia, where drivers will pay an average of $915 and $924 per year, respectively.
Finding Car Insurance Discounts in Missouri
One of the best ways to save on car insurance in Missouri is to make sure that you take advantage of any car insurance discounts for which you may be eligible. One of the most common discounts is the multi-policy discount, which rewards you with savings if you have more than one policy with the same carrier (e.g., home and auto). Some of the other common auto insurance discounts offered in Missouri include the following:
- Student driver discounts: If you have a student driver in your household, you may be able to take advantage of a good student discount if your child gets a B average or better. Many insurance companies also offer away-at-school discounts for students who won’t be using their parents’ cars while they are away at school. Your young driver may also be able to receive a discount by participating in an insurance-company-approved or sponsored safe driving course.
- Safe driver discount: Drivers who maintain a clean driving record over a period of time may be able to receive an ongoing discount from their insurance company.
- Anti-theft device discount: Some insurance companies offer discounts when your car has certain anti-theft devices installed.
- Military discount: Active or retired members of the military can often qualify for auto insurance discounts.
- Paperless billing discount: Many insurance companies offer a discount for policyholders who agree to receive paperless billing statements.
- Other car insurance discounts: Being a member of a particular group, such as an employment union, may make you eligible for a car insurance discount specifically for members.
Your independent car insurance agent in Missouri can help you find all of the car insurance discounts that you qualify for.
How to Find the Best Car Insurance Quote in Missouri
Finding the best car insurance quote in Missouri requires comparing several insurance companies and making an informed choice. But you don’t have to go it alone. An independent insurance agent in Missouri can help you obtain and review quotes from multiple insurance companies and choose the one that offers the best coverage for your needs and budget. An independent agent works for you, free of charge, to help you through the process.
How to File a Car Insurance Claim in Missouri
Filing a car insurance claim in Missouri is always going to be a little stressful. But if you know what to do in advance, it can help the process to go more smoothly. If you’re in a car accident, here are some tips for filing your insurance claim:
- Check for and tend to injuries: Check yourself, your passengers, and anyone else involved in the accident for injuries. Seek immediate medical treatment for anyone who is injured.
- Call the police: Filing a police report ensures that your accident is on-the-record and all appropriate information has been collected. That way, your insurance company will have a reliable source of information about the details of your accident.
- Contact your independent insurance agent: Your Missouri independent insurance agent can get the process started by connecting you with your insurance company, or by even filing the claim for you. Your agent can guide you throughout the claims process.
- Schedule an appointment with an adjuster: Your insurance company will likely want to evaluate the damage before you seek repairs for your car. That means you’ll likely need to set up an appointment with an adjuster who works for your carrier.
- Get repairs: If necessary, get your vehicle repaired from a reputable auto body shop or from a shop recommended by your insurance company.
- Get a rental vehicle: If you’re without your car for a while as it's being repaired, consider getting a rental vehicle. If you have rental reimbursement coverage, you’ll have some help paying for the cost of your rental car.
An independent car insurance agent in Missouri can help you through the claims process and answer your questions about how best to file your claim.