BEST CHEAP CAR INSURANCE IN MISSOURI 2023

The purchase of car insurance is crucial, but finding cheap coverage in Missouri can be a challenge. The best way to find affordable auto coverage is to get quotes from multiple companies. For Missouri drivers looking for car insurance, USAA, Missouri Farm Bureau, and State Farm frequently provide the cheapest rates. To find out which provider has the most affordable prices, it is critical to obtain quotes from several.

Cheap Car Insurance Missouri

Purchasing a full-coverage auto insurance policy will pay for both your vehicle and your medical expenses, rather than just those of other motorists. Nobody is a perfect driver, so even though these plans are significantly more expensive than the minimum requirements, you may end up paying less if you are at fault for an accident. Missouri auto insurance rates are frequently raised by at-fault accidents, DUI convictions, and speeding tickets.

The most affordable auto insurance provider in Missouri is USAA, with an estimated average monthly premium of $20 for the minimum amount of coverage. Another excellent option is the Missouri Farm Bureau, which frequently offers the second-cheapest insurance for Missouri drivers. The state of Missouri has an average monthly cost for car insurance of $162 for full coverage and $45 for liability only. On average, USAA has the cheapest rates for both basic and comprehensive insurance in Missouri.

Minimum liability coverage is likely to be the cheapest car insurance option in Missouri. This will cover the minimum liability requirements in your state, but it will not protect your car or pay for injuries.

Car Insurance Missouri

If your car insurance covers both collision and comprehensive damage, you will not have to pay for the repairs yourself if it gets stolen, vandalized, in an accident, or damaged by bad weather. Insurance with extra benefits like personal injury protection (PIP) and medical payment coverage (MedPay) might help you pay for any medical bills that come up.

Missouri Minimum Car Insurance Coverage

All motorists in Missouri must carry liability insurance that meets or exceeds the state’s minimum requirements.

$50,000 bodily injury liability per accident
$25,000 bodily injury liability per person
$25,000 property damage liability per accident
$50,000 uninsured or underinsured motorist coverage per accident
$25,000 uninsured or underinsured motorist coverage per person

Even though uninsured motorist protection and liability insurance are crucial, they are not enough for all situations. Insurance brokers and industry professionals both advise purchasing car insurance policies that go beyond the legal minimum requirements. Higher limits could shield you from having to make significant post-accident payments.

Average Cost of Car Insurance in Missouri

The state of Missouri has a minimum liability insurance requirement of $535 per year and a maximum coverage requirement of $1,948 per year for automobile insurance. These costs are about 14% less than the national average for basic insurance but about 2% more than the average for comprehensive protection.

The premiums that auto insurance companies charge their customers depend on a wide range of factors. The price of auto insurance in Missouri depends on several factors, including your age, driving history, and where you live in the state. One of the most significant determinants of car insurance rates is a driver’s age. Insurance rates for young drivers, particularly teenage drivers, are notoriously high.

Best Cheap Car Insurance Missouri

Cheapest Minimum-Liability Car Insurance in Missouri

In Missouri, a minimum coverage policy is estimated to cost around $45 monthly, or $535 annually. Minimum liability insurance from USAA is estimated to cost just $20 monthly or $242 annually, making it one of the most affordable options available.

Cheapest Full-Coverage Car Insurance in Missouri

Missouri drivers can expect to pay an average of $162 per month ($1,948 annually) for comprehensive auto insurance. The national average for full-coverage insurance premiums is $1,106 per year, but USAA offers it for only $92 per month.

Cheapest Car Insurance in Missouri: High-Risk Drivers

A person’s driving record is another major factor in determining their auto insurance premium in the state of Missouri. Your insurance rates may increase if you cause an accident or get a traffic ticket for something like speeding.

Car Insurance Rates in Missouri: Speeding Ticket

A single speeding ticket can significantly increase your insurance costs. The average USAA policy for a driver in Missouri with a speeding ticket costs $25 per month or $299 per year. Drivers with recent speeding tickets can still get excellent rates from the Missouri Farm Bureau.

Cheapest Full-Coverage Car Insurance in Missouri for 40-year-old Drivers

Insurance premiums for drivers in their forties are lower than the national average but higher than those for drivers in their sixties and seventies. The best way to find cheaper auto insurance premiums is to shop around and compare quotes from different providers. Pay-per-mile insurance may be a good option for safe drivers who do not put a lot of miles on their vehicles.

If you are looking for the most affordable auto insurance rates in Missouri, consider these companies for safe drivers: It costs $1,175 per year to be a member of the Missouri Farm Bureau or $98 per month.

Cheap Minimum Insurance in Missouri for 40-year-olds

If you are a Missouri driver looking for the most affordable options for the bare minimum in car insurance, consider the following firms: The annual dues for the Missouri Farm Bureau are $268, or about $22 per month.

Car Insurance Rates in Missouri: At-Fault Accident

If a driver causes an accident, they can expect to pay more for car insurance. For Missouri drivers who have recently been in an accident, Missouri Farm Bureau usually has the cheapest insurance. The average rate is about $28 a month, or $340 a year. In addition, USAA and State Farm offer fairly cheap coverage for drivers who cause an accident.

Car Insurance Rates in Missouri: DUI

Insurance premium increases are just one of many negative outcomes that can result from a conviction for drunk driving. According to the Missouri Farm Bureau, the average annual cost of driving with a DUI conviction in Missouri is $407, or $34 per month. Insurance policies from USAA and State Farm are among the most reasonably priced options for these motorists.

USAA Car Insurance

There is a good reason why the United Services Automobile Association (USAA) is so well-known among insurance consumers. USAA has been ranked as the best car insurance provider year after year due to its low prices and high level of customer satisfaction. It also works within the military community to aid the families of those currently serving and those who have served in the past.

In addition to car insurance, USAA now provide a variety of other policies to protect your loved ones, including renters’, homeowners‘, life, and health coverage. It also features a selection of banking and investing services. When shopping for auto insurance, USAA is a great option because of its convenient online quote system and military-specific resources.

For added financial security, USAA also provides accident forgiveness. After five claim-free years with USAA, your first accident will not result in a surcharge on your auto insurance policy. Unfortunately, policyholders in the states of California, Connecticut, Delaware, New York, and North Carolina do not have access to this choice.

Only active duty, reserve, or veteran military personnel, or the spouses of such individuals, are eligible for membership in USAA. Children of active-duty service members are welcome to join USAA.

They provide insurance not only for regular cars and motorcycles but also for recreational vehicles, boats, vintage cars, and motorcycles. USAA provides car insurance as well as optional coverages like towing and rental car reimbursement.

USAA Car Insurance Cost

Full coverage car insurance from USAA costs $883 annually. Although not required by law in the majority of states, comprehensive and collision insurance are valuable supplements to the minimum liability coverage required by law. If you cause an accident and other people or things get hurt or damaged, this level of insurance will help cover the costs.

The average annual premium for comprehensive USAA auto insurance coverage is $1,120. The yearly premium for minimum coverage under a USAA auto insurance policy is $409. A policy with minimal coverage only offers the bare minimum liability protection required by your state.

Payment Options

The policyholder has the option of selecting a 6-month or 12-month policy and paying all at once or in installments. All major credit cards, as well as bank and money market accounts, are accepted methods of payment.

Types of Coverage

USAA provides insurance for a wide range of non-standard vehicles, including motorcycles, recreational vehicles, boats, classic cars, and even umbrellas insurance

#1. Comprehensive Insurance

Your auto insurance policy likely includes comprehensive coverage, which will help pay for damages in the event of an accident. Fire, hail, and water are just some of the possible causes of damage.

#2. Collision Insurance

Insurance against a collision with another vehicle or immovable objects is also required by most states. This protection is usually a condition of getting a car loan or lease.

#3. Liability Insurance

If someone else is hurt or killed because of an accident in which you were at fault, liability insurance will cover the costs.

#4. Uninsured and Underinsured Insurance

Not every motorist may be covered by car insurance. You and your passengers are protected from financial ruin in the event of an accident with a motorist who carries inadequate or no insurance thanks to uninsured and underinsured motorist coverage.

Optional Coverage

In addition, if you run into problems while driving, like a flat tire, USAA will send help to you, through the provision of roadside assistance. If you require a rental car while your vehicle is getting repaired, USAA provides rental reimbursement to cover those expenses. In light of the popularity of ridesharing services like Uber and Lyft, USAA now provides rideshare insurance that includes nationwide guaranteed repairs at more than 2,900 service centers. You can get rideshare gap insurance in addition to your regular insurance.

USAA Car Insurance Discounts

USAA also offers the following discounts to qualifying members:

Bundling discount
Safe driver discount.
Defensive driving discount.
Driver training discount
Good student discount
Multi-vehicle discount.
Annual mileage discount.
Vehicle storage discount.
Family discount.

Missouri Farm Bureau Insurance

You can count on adequate protection, reasonable premiums, and a generous selection of discounts from the Missouri Farm Bureau Insurance. A variety of other businesses provide better deals. Anyone who lives in Missouri and joins the Farm Bureau can get insurance through the group; membership is open to everyone, not just farmers. membership is required, however, and it costs about $30 annually.

Several organizations across the nation underwrite Farm Bureau insurance premiums. To protect their members on the road, the Missouri Farm Bureau uses the services of Town & Country Insurance and New Horizons Insurance.

How Much is Missouri Farm Bureau Car Insurance Cost?

The average annual premium for a comprehensive insurance policy through the Missouri Farm Bureau is $1,546 (or $129/month). In comparison to the state and national averages for full-coverage auto insurance, this is a significant savings of about 11% per year.

Compared to the national average of $53 per month, or $635 per year, Missouri Farm Bureau’s average cost for minimum coverage auto insurance is $32 per month, or $385 per year.

How Much Does the Missouri Farm Bureau’s Most Affordable Car Insurance Cost?

Minimum coverage insurance is the least expensive type of car insurance you can get. It covers the bare necessities of all types of insurance required by the state. The state of Missouri mandates the following minimums for auto insurance:

$25,000 per person for bodily injury liability
$50,000 per accident for bodily injury liability
$25,000 per accident for property liability
$25,000 for uninsured motorist coverage per person
$50,000 for uninsured motorist coverage per accident

Missouri Farm Bureau Car Insurance Coverage

The Missouri Farm Bureau offers the six most common forms of auto insurance, including the minimum levels of coverage required by various states.

Coverage for bodily injury and property damage: When you cause an accident, liability insurance will pay for the damages and medical expenses of the other party. Missouri law mandates that all policies include coverage for both bodily injury and property damage liability.
Auto body repairs that are the result of a collision are covered by collision insurance.
Coverage for theft, vandalism, falling trees, floods, fires, and other natural disasters are all included in a comprehensive auto insurance policy.
MedPay is short for “medical payments,” and it helps pay for medical care after an accident. This does not include lost wages.
Personal injury protection (PIP) is insurance that helps pay for things like medical care, lost wages, and even funeral expenses in the event of an accident.
Coverage against drivers without insurance, or with insufficient coverage, is known as “uninsured/underinsured motorist coverage” (UM/UIM).

Missouri Farm Bureau Auto Insurance Discounts

Multi-Vehicle Discount
Total Account Discount
Good Student Discount
Passive Restraint Discount
Accident-Free Discount
Preferred Driver Discount
Occupational Discount
E85 / Hybrid Discount

It is not possible to add ridesharing coverage to a policy with the Missouri Farm Bureau. Rideshare coverage makes up for the insurance gaps that rideshare companies like Uber and Lyft leave for delivery app drivers. Additionally, if you are found guilty of a serious traffic violation, the court may require you to fill out an SR-22 form to show your state that you have three years of insurance. However, Missouri Farm Bureau’s website does not have any information about SR-22 insurance.

At What Age Is Car Insurance the Cheapest?

A person’s auto insurance premium should decrease steadily beginning in their early twenties and continuing until they reach their early seventies. In addition, until you turn 25, many insurance companies will consider you to be a high-risk young driver. There will likely be a decrease in premiums for many people at this time.

What Are the 3 Factors That Lower Your Cost of Car Insurance?

When calculating rates, insurance companies take many aspects into account. Considerations include things like how old you are, how long you have been driving, and what kind of car you drive. Every insurance company uses its unique formula for determining a driver’s premium based on their perceived risk as an insured.

What Is the Bare Minimum Insurance in Missouri?

To comply with state law, you must carry at least $25,000 in bodily injury coverage per person. $50,000 for injuries per accident, and $25,000 per accident for property damage. States mandates that all drivers must have auto insurance with at least $25,000/$50,000/$25,000 in liability coverage and $25,000/$50,000 for uninsured motorist coverage.

Is Missouri a No-Fault State?

Missouri is a “fault” state when it comes to automobile collisions. The state of Missouri mandates a specific level of auto liability insurance coverage for its residents. If you are hurt in an accident that was someone else’s fault, their liability insurance should help cover the costs.

What Is the Least Amount of Car Insurance Coverage?

In most cases, the minimum amount of auto insurance is the liability coverage mandated by your state. The standard minimum liability limits are $25,000 per injured person and $50,000 per accident, with another $25,000 for property damage.

Which Gender Pays More for Car Insurance?

Male drivers face higher premiums from auto insurers due to statistically increased accident risk. Even though insurers in most states are permitted to take gender into account when determining premiums, other factors such as age, address, company, and driving record are typically more significant.

Is USAA Only for the Military?

Yes. American insurance and banking firm USAA serves only active duty service members, veterans, and their families. Membership in USAA is restricted to officers currently serving in, or who have previously served in, the United States armed forces. Non-military members who are spouses, parents (including step-parents and legal guardians), or parents-in-law of service members are eligible.

Conclusion

It is smart to shop around for car insurance and get quotes from multiple companies to see if you can save money. A comprehensive insurance policy is something to think about for your safety. More comprehensive insurance typically comes with higher monthly payments, but it also provides greater financial security and peace of mind in the event of an accident.

Missouri Farm Bureau Insurance is a good option that falls in the middle of the pack. The auto insurance provider provides a wide variety of policy inclusions and price reductions. Its prices are about in the middle of the range for reputable service providers. Customer reviews are mixed, and it does not offer any practical technological services or a few commonly offered discounts.