Car Insurance in Missouri

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Looking for Cheap Car Insurance in Missouri?

Average insurance requirements and a competitive market help make car insurance premiums below the national average in Missouri, where about 16% of licensed drivers hit the road without the required coverage.

Insurers consider many factors when setting insurance premiums, including where you live. If you live in St. Louis, Kansas City, or anywhere in rural Missouri, you can find a great deal on insurance plans by comparing providers and comparing their rates.

The comparability tool on Carlay lets you shop for a new policy in minutes! Carlay, as a licensed broker, will handle the switchover from start to finish, so you can rest assured knowing that your rates have been saved.

See for yourself how much Carlay customers in Missouri love our quotes:

How Much Does Car Insurance Cost in Missouri?

Missouri's average basic liability car insurance costs are $2,115 per year, and the full-coverage costs an average of $2,047 per year in Missouri.

The national average for basic liability car insurance is $1,783 per year, while the national average for full coverage is $2,485 per year.

What contributes to the insurance rates in Missouri?

While insurance rates are relatively low in Missouri, there are a couple of factors that contribute to the overall cost:

  • Lack of required minimum insurance

More than 1 in 6 Missouri drivers are uninsured, which puts a strain on insurance rates for those who have coverage. Missouri is a midwestern state that is prone to many severe weather conditions, including high winds, hails, and thunderstorms.

  • Severe weather

Missouri is a midwestern state that is prone to many severe weather conditions, including high winds, hails, and thunderstorms. As a result, Missouri car insurance carriers pay out a lot for comprehensive claims, and therefore the premiums reflect this.

Here are some of the ways Missouri has saved with Carlay Insurance:

All Coverage BeforeCarlay All Coverage AfterCarlay Minimum Coverage BeforeCarlay Minimum Coverage AfterCarlay Full Coverage BeforeCarlay Full Coverage AfterCarlay
MO $2,370 $1,584 $2,192 $1,121 $2,462 $1,795
National Average $2,489 $1,671 $2,360 $1,390 $2,761 $1,963
MO National Average
All Coverage BeforeCarlay $2,370 $2,489
All Coverage AfterCarlay $1,584 $1,671
Minimum Coverage BeforeCarlay $2,192 $2,360
Minimum Coverage AfterCarlay $1,121 $1,390
Full Coverage BeforeCarlay $2,462 $2,761
Full Coverage AfterCarlay $1,795 $1,963

Top auto insurance providers in Missouri

If you live in Missouri, the state's insurance industry is sure to please you with its many reliable companies and quality customer service. USAA, State Farm, and Progressive are among the most popular insurance companies for auto coverage. But with so many options out there, it can be hard to know where to look.

This process can be time-consuming and tedious. Insurance companies evaluate a number of different factors in order to set their rates, but they all weigh each factor differently. This means that you could get different rates even if you request the same coverage from different insurance companies.

The rates you pay for auto insurance vary depending on your age, record of traffic violations, and where you live. Budgeting for car insurance depends on the type of car you drive. For example, a BMW 3-series may cost more to insure than a Mazda 3 because BMWs are more expensive to replace.

If you need insurance, check out some of the deals from Carlay customers in Missouri.

What Car Insurance Do You Need in Missouri?

In Missouri, you're required to have the following car insurance before hitting the road:

Coverage Amount Description
Bodily injury liability $25,000 per person / $50,000 per accident Covers the costs associated with injuries you cause to others
Property damage liability $10,000 per accident Covers the costs associated with damage you cause to other people's vehicles or property
Uninsured motorist coverage $25,000 per person / $50,000 per accident Reimburses you for your expenses from an accident caused by an uninsured driver

Driving with fewer than these items could end up getting you in a lot of trouble. Here's what can happen:

  • Fine of up to $300
  • Up to 15 days in jail
  • Up to 4 points on your license
  • Driver's license suspension
  • Financial liability in the event of an accident

Your state-mandated minimums may not be enough to fully protect you and your car in an accident. It's a good idea to purchase as much insurance as is right for you. Here are some great options:

Coverage Description
Collision insurance Covers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insurance Covers damages that aren't the result of a collision, such as vandalism, theft, or a natural disaster
Personal injury protection Covers medical expenses, lost wages, and rehabilitation costs after an accident
Rental reimbursement Reimburses you for your rental car expenses while your car is being repaired after a claimable accident

When you're ready to consider a new policy, let Carlay do the legwork for you.

Carlay is an app that saves you money on car insurance. Carlay gathers quotes from top insurers like Nationwide and Travelers, helps you switch to a new plan, and even monitors your rates before renewal, so you always get the best price. Most Carlay customers save about $879 each year.

Now that you have a sense of what types of insurance you need let's talk about the factors that go into the price.

How is Your Cost of Car Insurance Determined in Missouri?

Getting the best possible car insurance rate is determined by a number of factors, including your age, driving history, location, and vehicle.

  • Cost to insure your car in Missouri by age

If you're young, then you'll probably pay more for car insurance than an older adult. Young people tend to be inexperienced drivers and tend to get into more car accidents than older adults, so insurers look at your age as one indication of your driving experience and the likelihood of accidents.

What young drivers in Missouri need to know

In Missouri, young drivers 15 to 18 years old must complete a graduated licensing program in order to get a driver's license. The program consists of three stages: the first stage is a learner's permit, which allows the driver to practice but limits certain driving privileges. The second stage is a restricted provisional license, which allows the driver to drive as long as certain conditions are met.

The third stage is an unrestricted provisional license, which allows the driver to drive with no restrictions. Defensive driving courses can help develop safe habits and secure lower insurance rates. And maintaining good grades can qualify students for a good student discount on their insurance policy.

Don't lose hope, however! When you get your first car, it's unlikely you'll get the same low rates as your parents. However, if you keep a clean driving record and you shop around for car insurance, you can find good deals.

Regardless of age, Carlay can save you money on car insurance. Check out the average rates for drivers in each age group:

Age Group Average Cost Annual Savings withCarlay
18-20 $2,688 $1,045
21-24 $2,471 $920
25-34 $2,410 $898
35-44 $2,438 $814
45-54 $2,455 $948
55-64 $2,071 $806
65+ $2,766 $1,178
  • Cost to insure your car in Missouri with a poor driving record

Your driving record is used by insurance companies to determine how likely you are to file claims for Missouri car insurance. If your record shows things like accidents, speeding tickets, and serious offenses like DUIs or reckless driving convictions, you're going to be paying high Missouri car insurance rates.

So, can you save money on car insurance if you have driving violations? Yes! Start by comparing rates with Carlay.

Here are some of the discounts we could offer customers with spotty driving records:

Driving Violation Average Cost Annual Savings withCarlay
Clean Record $2,594 $863
Careless Driving $4,504 $2,644
Vehicle Theft $3,552 $1,710
Speeding under 15 $4,330 $1,136
Failure to Obey Traffic Sign $3,452 $1,109
Driving on Sus. License $3,256 $1,093
Improper Passing $3,227 $911
Illegal Turn $2,660 $704
Speeding over 15 $1,999 $678
DUI $2,136 $401
  • Cost to insure your car in Missouri based on where you live

Missouri is home to 6.1 million people, and about 4.3 million of them are licensed drivers. There sure are a lot of cars on the highway!

However, the place where you live can have a big impact on the premium. If you live in a city, you can typically expect to pay more for car insurance than those who live in rural areas, as city dwellers have a higher statistical likelihood of car accidents, thefts, and claims.

If you live in a city center, like St. Louis or Kansas City, you will probably pay more for your insurance than if you lived in the Ozarks, which border Kansas City on the east and St. Louis on the west.

Look below to see the top 10 cheapest cities for car insurance in Missouri:

City Average Cost Annual Savings withCarlay
Columbia $2,544 $794
Florissant $2,623 $973
Independence $2,734 $930
Kansas City $2,439 $944
Maryville $2,277 $1,248
Rolla $2,128 $507
Saint Ann $2,563 $819
Saint Louis $2,596 $895
Springfield $2,247 $888
Wentzville $1,899 $551
  • Cost to insure your car in Missouri based on the type of car you drive

As you would expect, the make and model of your car have a large effect on your insurance rate. If you drive a Hyundai Elantra or Nissan Sentra, your annual car insurance premiums will typically be low.

Your insurance premiums will likely be less for a cheap car because you'll pay less for repairs or a replacement if you wreck it. If you drive less, you're less likely to get into an accident, which means that you'll save more money.

However, if you're interested in insuring your JJeep Wrangler, you can expect to pay a higher rate for your policy.

Here's what you can expect to pay for some popular makes and models with and without Carlay:

How to Save Money On Car Insurance in Missouri?

Finding affordable insurance coverage is always a good idea. And by checking out some easy ways to reduce your costs, even more, you'll be that much closer to getting the reduced premium.

  • Shop around for quotes

When you're looking for a new car insurance policy, shopping around can save you money. Although the process has gotten a lot easier over the past decade, it's still important to have all your ducks in a row. That's why Carlay is here to take care of your business needs.

Carlay makes it easy for you to compare insurance policies and find the best one for your needs. It's simple: sign up, answer a few questions, and let it do the rest. You will receive several coverage options so you can choose the right policy at the right price. That's not all! Carlay handles all the paperwork and phone calls to make it easy for you to switch.

  • Look for discounts

Missouri drivers often enjoy discounts on their car insurance. Some discounts are available from all insurance companies, while others are offered only by select companies.

Discount Who is eligible?
Good driver discounts Good driver discounts are for Texas drivers who have had a valid driver's license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium.
Bundling discounts Insuring multiple products (like auto and home) with the same company is an easy way to get a bundling discount, which can result in savings of around 18%.
Defensive driver discounts Most insurance companies offer discounts to drivers who complete a state-approved defensive driving course. This can be particularly helpful for young drivers who typically face high premiums.
Payment and billing discounts Policyholders who pay their premium in full, set up automatic payments, or sign up for paperless billing may be eligible for a discount of up to 25% on their annual premium.
Good student discounts Good student discounts can help reduce insurance premiums for young drivers, who typically have sky-high rates until they turn 25. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.
Continuous coverage discounts Many insurance companies offer discounted rates—often 5% to 25%—to policyholders who have been continuously insured for 6 months or more.
  • Increase your deductible

If you raise your deductible, you can decrease your insurance premium. So long as you don't mind the occasional unexpected expense, raising your deductible is a great option. Plan ahead and make sure you have enough money to pay your deductible in full each time you have to make a claim. If not, you risk financial difficulties.

Registering Your Car in Missouri

To register your vehicle in Missouri, be sure to bring with you the following documents:

  • Valid driver's license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title, or signed lease agreement
  • Smog test certificate, if applicable

In Missouri, you'll need to renew your vehicle registration once a year; you can do this by phone, mail, online, or in person.