Auto Insurance in Missouri
Missouri’s auto insurance rates are on the low side — on average $1,189 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Missouri is landlocked, which means many of the hazards that are associated with coastal cities don’t apply. That helps to lower the overall cost of insurance in the state. However, a portion of Missouri sits just outside of what is known as Tornado Alley, so there are some towns that have a high risk of tornadoes.
Missouri Minimum Liability
Liability insurance pays for the damage you cause to other people and/or their property if you’re found at fault and legally liable in an auto accident. The minimum auto liability coverage for the state of Missouri is 25/50/10. The number 25 refers to $25,000 in required coverage for one person’s bodily injuries from an accident, and the number 50 indicates $50,000 of total injury coverage for each accident. The 10 stands for $10,000 in coverage required for property damage liability. Property can refer to other people’s vehicles, homes, businesses, or even a fence or mailbox.
The 25/50/10 minimum for the state of Missouri is a relatively low amount of liability insurance. It’s always best to purchase as much of this coverage as you can afford to ensure that you will be protected from potential legal action. If you are at fault in an accident and the liability limits of your insurance policy are exceeded, your personal assets will be at risk. The injured person can seek compensation for any relevant bills and expenses that your liability insurance coverage did not cover due to low limits being exceeded.
The recommended minimum liability coverage to be safe from such action is at least 50/100, or $50,000 bodily injury and $100,000 per accident. In fact, many drivers feel that 100/300 or more is ideal. While the average auto liability claim for 2013 was $3,231 and the average bodily injury claim was $15,443, many claims are significantly higher. The result could be tens or even hundreds of thousands of dollars that must come out of your pocket to pay the balance.
The best way to shop for insurance and ensure that you’ll be well-covered is by checking rates and getting quotes from a number of insurance companies. The goal, of course, is to get the most coverage possible for the lowest premiums. Different companies can treat your driver record and profile differently, resulting in a range of possible rates. Getting multiple quotes takes time, but the cost savings can make it well worth the effort.
Cheapest Car Insurance in Missouri
- $1,135American Family
- $1,199State Farm
- $1,210Auto Club
For the individual whose primary focus is to find the least expensive rate, the companies listed here will suffice. While finding the lowest possible prices is important to a number of people, it is extremely important for consumers to understand that there are various pros and cons when choosing an insurance provider.
The cheapest rates may be more affordable and manageable for many people, the coverage will most likely not be as comprehensive as more expensive policies.
Some of the negatives associated with choosing cheap insurance are a lower level of customer service, and less comprehensive coverage. There can also be some challenges in getting claims settled.
Most Popular Companies by Marketshare
- American Family
- State Farm
- Auto Club
The companies listed here are considered to be the most popular auto insurance companies in the state. Their popularity is determined by the share of the market they currently hold. While the popularity of a company can give you some indication of how many customers they may have and their share of the auto insurance market, it does not automatically qualify them as being among the best companies.
It is important to keep in mind that many of the companies that hold the largest market shares are companies that have expanded marketing and advertising budgets, allowing them to use advertising to effectively influence buyer choice.
Choosing the Best Car Insurance in Missouri
When looking for the best auto insurance, you should look at a variety of different factors. While many consumers will be focused on finding the lowest price, rarely does that search query lead to the best company. Which isn’t to say that price doesn’t play a role when shopping for insurance — it does — but things like customer service and responsiveness have a greater impact on the ranking of companies.
When a customer has experienced an automobile accident, the last thing they need is a non-responsive customer service department, so having a customer support policy that is highly proactive and engaging is a huge plus. Additionally, factors like fair claims process, discounts, and extensive coverage are also very important.
Where is car insurance most affordable?
The cost of auto insurance in any particular city or town is influenced by a number of variables, with some of the most common being regular weather phenomena, population, and median income.
Columbia, Saint Charles, and Columbia are among the cities with the lowest auto insurance costs in Missouri.
While population can be an indicative factor, it is not a consistent factor in Missouri; its most populous city, Saint Joseph, has some of the lowest insurance costs in the state. The same could be said for Springfield, which is the third most populous city in the state, but ranks at the bottom as far as cost is concerned.
Columbia Auto Insurance
Columbia was founded in 1820, is home to the University of Missouri, and serves as the principal municipality of the Greater Columbia Metropolitan Area. Columbia is the third most populous city in the state of Missouri. One of the relevant points of interest for this city is the Missouri Theatre. Despite have a population of 115,276 and being home to a major university, the cost of insurance in this city is lower than the national average.
Florissant Auto Insurance
Florissant is considered a second-tier suburb of the city of St. Louis and is located in northern St. Louis County. The city has a population of 52,363, currently ranking as the 12th largest city in the state of Missouri. The city is a mecca for college students, being home to at least four colleges. The high college student population may contribute to the relatively high insurance rates that are currently in the higher half of the rated cities as far as cost is concerned.
Independence Auto Insurance
Independence is a city of significant size, with a population of 117,240, making it the fourth largest city in Missouri. The city rests within Jackson County. Independence is considered to be a satellite city of Kansas City, MO, and is also a part of the Kansas City Metropolitan Area. Some of the more notable points of interest are Leila’s Hair Museum and the Harry S. Truman National Museum. The cost of insurance cost has remained relatively low in Independence.
Kansas City Auto Insurance
Kansas City is the principal city of the Kansas City Metropolitan area and, with 467,007 inhabitants, it is the third largest city in Missouri. However, when the entire metropolitan population is considered, it is the largest city in the state. Kansas City is home to the Liberty Memorial and the Negro League’s Baseball Museum. For a metropolitan area, Kansas City continues to maintain affordable insurance rates.
Lee's Summit Auto Insurance
Lee’s Summit is a city of significant size, with a population of 91,364, making it the sixth-largest city in Missouri. The city rests in Jackson County and is part of the Kansas City Metropolitan Area. In 2006, CNN’s Money magazine rated Lee’s Summit 44th on its list of the best 100 cities in the U.S. to live in, and the city moved up to 26th in 2010. Being part of a large metropolitan area has not negatively impacted the cost of insurance for the drivers of Lee’s Summit
Saint Charles Auto Insurance
Saint Charles is the county seat of St. Charles County in Missouri. The city has a population of 160,614, making it the ninth largest city in Missouri. Saint Charles was the first state capital of Missouri, and is currently home to the popular Family Arena and St. Charles Convention Center. Saint Charles has consistently ranked among the most affordable cities to live in, as far as auto insurance costs are concerned.
Saint Joseph Auto Insurance
Saint Joseph rests in Buchanan County, Missouri. St. Joseph is the principal city of the group of cities that make up the St. Joseph Metropolitan Area, which also includes Andrew, Buchanan, and DeKalb counties. A couple of the more notable points of interest of Saint Joseph are the Pony Express Museum and the Jesse James Home Museum. St. Joseph has a population of 1,409,019, yet still has one of the lowest insurance rates in the state.
Saint Louis Auto Insurance
St. Louis is a city that also serves as a major inland port. It sits on the western bank of the Mississippi River, which also serves as the border between Illinois and Missouri. In addition to being the home of the NFL’s St. Louis Rams, St. Louis is also home to the famous Gateway Arch and the Saint Louis Science Center. St. Louis has the highest insurance costs in the state.
Saint Peters Auto Insurance
St. Peters is located in St. Charles County, Missouri. With a population of 54,842, the city is ranked as the 10th largest city in Missouri. Due to the fact that Highway 70 passes through the city, it serves as major transportation interconnection for transportation companies. Despite having this major highway moving through the middle of the city, St. Peters has the third lowest cost for auto insurance in the state.
Springfield Auto Insurance
Springfield is currently the third-largest city in Missouri and serves as the county seat for Greene County. The city has a population of 164,122 and also has some historical significance, being home to the Pythian Home of Missouri. It is also the home of Fantastic Caverns, a major tourist attraction. Springfield ranks at the bottom of the cost matrix for auto insurance.
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