Cheap Car Insurance Rates in Missouri (2023)

Compare Auto Insurance Rates in Missouri

Published: Feb 22, 2019 | Updated: Jan 26, 2023

Missouri Auto Insurance

There are specific auto insurance rates and requirements in Missouri. If you don't know them it's harder to get good quality but cheap auto insurance in Missouri. You also need to understand the Missouri driving laws so you don't end up with a poor driving record that could raise your insurance rates. Here are the things you really need to know about the state.

Car Insurance Requirements in Missouri

Missouri minimum auto insurance requirements mean you need to have:

$25,000 worth of bodily injury or death coverage per person
$50,000 worth of bodily injury or death coverage per accident
$25,000 worth of property damage coverage

The state also requires that you carry uninsured/underinsured motorists coverage in the same amounts, but you don't need it for property damage. Based on Missouri car insurance laws you aren't required to have collision or comprehensive insurance, but a lot of people choose to get these anyway in order to protect themselves and their property.

Is Missouri a No-Fault State?

Missouri is a fault state, and it follows traditional guidelines for that designation. Drivers who are found responsible for accidents have to compensate the other parties in those accidents.

<zipcode>Find The Cheapest Auto Insurance In Missouri:</zipcode>

Car Insurance Prices in Missouri

In Missouri, drivers can expect to pay approximately $1,134 per year for car insurance. That encompasses a range from $627 to $1,641 depending on the type of coverage purchased for the vehicle. For teen drivers the price is much higher, and premiums can be well over $2,000 every year. People in the 35 to 75 age group will typically have the best rates, but those in their mid to late twenties will see their prices come down from teenage rates, as well.

<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;It's not always easy to find cheap car insurance for 16 - 18 year olds in Missouri. Generally this group is the one that pays the highest premiums. Comparing different carriers and looking for discounts can help drivers find a more affordable policy option.</qa>

<qa>2;Car Insurance for Students (18 - 24 year olds) in Missouri;After a student gets into college, they will see their insurance rates drop quickly. At 18 they are still paying teenage rates, but by 22 their premiums will have come down significantly.</qa>

<qa>3;Car Insurance for 24+ Year Olds in Missouri;Age 24 is where car insurance rates in Missouri begin to level out. From that point on, drivers will typically pay closer to the Missouri average for their car insurance provided they keep a good driving record.</qa>

<qa>4;Car Insurance for 55 (and Over) in Missouri;The best age for low car insurance premiums is 55. At that age, a Missouri driver will generally be paying around $1,000 annually if they have full coverage insurance. From that point on, premiums will slowly rise as the driver gets older. But they usually won't get back to teen-year rates.</qa>

<qa>5;Car Insurance for Veterans in Missouri;Veterans in Missouri should check with their agent or insurance carrier, as they may qualify for special discounts that could save them money on their car insurance.</qa>

Age	Most Popular Vehicle	Gender	Most Common City
16 - 18	Chevrolet	Male - 54% \| Female - 46%	Kansas City
18 - 24	Chevrolet	Male - 44% \| Female - 56%	Kansas City
25 - 54	Chevrolet	Male - 41% \| Female - 59%	Kansas City
55 +	Ford	Male - 42% \| Female - 58%	Kansas City

* This information is based on Pretected.com users.

Auto Insurance for Good Drivers

For good drivers there are generally lower premiums. Most companies offer safe driving or good driving discounts for people who don't have accidents or tickets on their record. Some companies offer higher discounts than others, so checking around is important.

Auto Insurance for Bad Drivers

Bad driver? That doesn't mean bad person. But it does mean that insurance companies are going to charge higher rates because the driver poses a bigger risk to them. If they have accidents, traffic tickets, and even a DUI conviction they can expect to pay higher insurance rates. Some companies are harsher with premiums than others, so checking around can be worth the effort.

Traffic Violations and Fines in Missouri

Speeding Ticket Cost in Missouri

Like most states, Missouri handles their speeding ticket issuance and collection by county. That means there's no state-wide cost. Tickets mean fines, though, and potentially points on the driver's license. For driving convicted of reckless driving in Missouri there are higher fines and more points added to the license, as well.

Driving While High Laws in Missouri

Missouri's DUI laws include being under the influence of marijuana as well as alcohol. Even if people can legally use the drug for medical purposes, driving while high is still illegal.

Driving Without Car Insurance in Missouri

Drivers without car insurance may face penalties such as fines and license suspension. If they are caught a second or subsequent time, these fines will be higher than the first offense. It's very important to have car insurance in Missouri, or use one of the legally alternative methods of protection such as a surety or real estate bond.

Texting and Driving in Missouri

Distracted driving means texting, but also other cell phone use while driving, eating while driving and other activities. Even arguing with a passenger can get a driver in trouble for being distracted. These aren't all illegal, but they all have the potential to cause an accident.

<twitter>Per Missouri state law, one person can't honk the horn of another person.</twitter>

Missouri Car Accidents

In 2014 there were 47,977 people injured in car accidents in Missouri and 766 people killed. That was a small decrease from the previous year, indicating that traffic accidents in the state may be dropping according to car accident statistics.

Reasons for Car Accidents in Missouri

Vehicle hitting other vehicles or hitting fixed objects were the two most common reasons for Missouri car accidents. While pedestrians were also struck this was at a very low rate. However, pedestrian strikes did result in more fatalities than other types of vehicle accidents.

Car Accident Statistics by Vehicle Type in Missouri

Most of the car accidents in Missouri involved passenger cars. Trucks and SUVs were also involved in accidents, but at lower levels. Additionally, fewer than five percent of the accidents in Missouri were caused by motorcycles or mopeds, but these accidents tended to have more fatalities and more significant injuries.

Car Accidents in Missouri - More Facts

On average, a car accident happened in Missouri every few minutes. Most of these were in urban areas with a higher number of vehicles, but Missouri also has a lot of rural areas where accidents can happen. These areas tend to have roads with higher speed limits, resulting in a greater chance of a fatality if an accident occurs there.

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Missouri

You can't sit on the curb and drink beer out of a bucket in St. Louis - but you probably shouldn't do that in your car, either.
Want to shave while you're driving? You're going to need a permit for that.

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