Car insurance rates in Missouri
The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.
- USAA provides the cheapest liability coverage at $28 per month in Missouri.
- USAA offers the cheapest rates for full coverage insurance in Missouri at $92 per month.
- At $149 per month, St. Martins is the cheapest city for car insurance in Missouri.
Read on to learn more about car insurance price trends in Missouri. More car insurance rate data is available in the original article at Way.com.
Cheapest liability insurance in Missouri
For drivers looking to meet Missouri minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.
Cheapest liabiility insurance in Missouri
#1. USAA: $28
#2. Travelers: $39
#3. Progressive: $44
#4. American Family: $45
#5. State Farm: $58
Cheap full coverage in Missouri
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.
Cheapest full coverage insurance in Missouri
#1. Travelers: $92
#2. USAA: $100
#3. American Family: $111
#4. Shelter: $153
#5. State Farm: $162
Impact of traffic violations on Missouri auto insurance rates
In Missouri, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Missouri may differ from the national average due to regional risks and rules.
Here's a breakdown of average auto insurance rates in Missouri after common driving violations.
- No violation: $269
- Not-at-fault accident: $277
- Failure to wear a seat belt: $305
- Speeding 6 - 10 MPH over limit: $316
- Speeding 21 - 25 MPH over limit: $318
- DUI: $405
- Reckless driving: $435
- Driving with a suspended license: $414
- Leaving scene of an accident/hit and run: $430
Car insurance rates across Missouri's top cities
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
Cities with the cheapest average monthly premium in Missouri
#1. St. Martins: $149
#2. Jefferson City: $150
#2. Taos: $150
#4. Fort Leonard Wood: $151
#4. Marshall: $151
Cities with the most expensive average monthly premium in Missouri
#1. Glasgow Village: $264
#1. Flordell Hills: $264
#3. St. Louis: $263
#3. Dellwood: $263
#3. Riverview: $263
