The Ultimate Missouri Car Insurance Guide (Costs + Coverage)

Missouri Statistics SummaryStatistics
Road Miles (2014)Total in State: 131,564
Vehicle Miles Driven: 70,909 Million
Vehicles Registered (2014)5,179,102
Population6,126,452
Most Popular VehicleF150
Percentage of Motorists Uninsured14%
State Rank: 17th
Total Driving Related Deaths (2017)930
Speeding-Related Fatalities (2017)346
DUI-Related Fatalities (2017)254
Average Premiums (Annual)Liability: $399.41
Collision: $259.65
Comprehensive: $166.34
Combined Premium: $825.40
Cheapest ProviderState Farm Mutual Auto

Often called the “Mother of the West”, the “Cave State” and the “Show Me State” by many of its natives, Missouri is famous for the beautiful Ozark Mountains, the Gateway Arch, and the Missouri Compromise.

With a population of over 6 million people, and over 5 million registered cars on the road, one thing is for sure: compromising on your Missouri car insurance policy is clearly not an option.

Finding the right car insurance policy and the best rate to go with it is sometimes an agonizing and tedious mission, which is exactly why we created this ultimate guide to Missouri car insurance.

In this guide, we will discuss costs and types of coverages, rules of the road, specific Missouri car insurance laws, and more. But don’t go anywhere! Missouri car insurance coverage and rates are up next.

Table of Contents

Missouri Car Insurance Coverage and Rates

If you live in the “Town of the Large Canoes”, it might be difficult to pay for a car insurance policy that you don’t fully understand – especially when you don’t even know what that policy specifically covers.

So, if you’re struggling a little bit with picking a policy (and a provider) and you want to know exactly what you’re paying for when it comes to your insurance policy, keep reading as we explain major coverage types, proof of insurance, and Missouri car insurance companies.

– Missouri’s Car Culture

Because of Missouri’s large cities and mountainous terrain, the state’s car culture tends to fall on a broad spectrum.

If you live in the city, you might drive something like a Tesla because charging stations are always close by. You may prefer a pick-up truck to transport goods back and forth from where you live.

Since the Ozarks are a popular vacation spot and a fun place for car shows, classic cars are also a big part of Missouri’s culture.

Missouri “car” culture doesn’t always involve cars, but horses, says Eric Wynn.

“I have to be very careful passing the Amish buggies as there are no road shoulders, and the buggies are on the main roads,” he says.

– Missouri Minimum Coverage

Let’s start with the basics. According to Missouri state law, every driver in Missouri must have car insurance — no ifs, ands, or buts about it.

But, let’s say you want the minimum amount of insurance necessary that complies with the state law.

This is called minimum liability car insurance. Before we get into what minimum liability car insurance actually means, let’s explain the difference between an at-fault state and a no-fault state.

Missouri is an at-fault state. At-fault car accident states require the person who caused the accident to be responsible for all damages resulting from that accident.

Simply put, if you cause an accident, you need to get on the phone with your car insurance company and tell them about the damages done to your car and any other damages done to any other cars from that accident so they can hopefully cover all of the costs to fix them.

You are also responsible to cover the costs of any medical bills in the case that someone is injured during the accident.

No-fault car accident states require every person involved in an accident to file a claim with their own car insurance company.

Okay, so no that we’ve got that out of the way, let’s go back to the definition of minimum liability coverage.

Missouri’s minimum liability insurance must meet all of the following requirements:

  • $25,000 for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
  • $50,000 for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
  • $10,000 for property damage per accident caused by the owner/driver of the insured vehicle

Liability coverage gives drivers a security blanket in case they get into an accident so they aren’t at risk for going bankrupt. However, this doesn’t mean liability insurance will always cover all of the costs of damages and medical bills.

If the costs of damages exceed these amounts listed above, the driver is then forced to pay for them out of his/her own pocket.

– Forms of Financial Responsibility

So not that we know you must have car insurance to drive a car in Missouri, it’s time to talk about proof of financial responsibility. Simply put, proof of financial responsibility is proof that you actually carry an insurance policy.

According to the Missouri Department of Revenue, you must keep some proof of insurance in your vehicle at all times. If a law enforcement officer asks for proof of insurance and you cannot show it, the officer may issue you a ticket.

Acceptable forms of proof of insurance are:

  • Electronic/digital copy of your insurance card issued by your provider
  • Valid liability insurance ID cards
  • Valid insurance binder (a temporary form of car insurance)

If you are caught driving without insurance, you may get your license suspended and you may be required to get SR-22 insurance.

SR-22 insurance may be required if the driver has been charged with a DUI after causing an accident, or was caught driving without insurance at the scene at an accident.

The SR-22 proves that you hold the mandatory liability coverage for the necessary period of time, based on your exact infraction.

– Premiums as a Percentage of Income

Have you ever heard of the term, per capita disposable income?

This is the amount of money a person takes home after their taxes have been paid.

In 2014, Missouri’s average per capita income is $36,690.

Missouri drivers paid an average of 2.3 percent of their income to car insurance in 2014. While the average per capita income continues to increase, insurance rates also rise. The average price paid for full coverage car insurance in 2014 was $845.39.

If we look at surrounding states rates, Iowa drivers only paid $683.67 in 2014 for the same type of insurance.

Kansas was about the same as Missouri’s at $850.79, and Arkansas’s average full coverage car insurance rate was highest at $900.18.

Overall, Missouri’s rate was about $105 cheaper than the national average of $951 in 2014.

 

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– Core Coverage in Missouri

Coverage TypeAnnual Costs (2015)
Liability$415.88
Collision$275.28
Comprehensive$181.27
Combined$872.43

The data above is pulled from the National Association of Insurance Commissioners, but because the numbers are from the year 2015, rates may be higher now than they were back then.

Minimum liability coverage is required, but having additional coverage is always a good idea. Trust us, you’ll thank yourself the next time you get into an accident.

Keep reading to learn more about additional coverage.

– Additional Liability Coverage

Loss Ratio201220132014
Medical Payments (MedPay)66.07%65.27%65.99%
Uninsured/Underinsured Motorist Coverage (UUM)76.73%77.32%74.05%

Even though medical payments and underinsured/uninsured coverage plans are not required in Missouri, it still might be a good idea to add them to your insurance policy. Why? Fourteen percent of drivers in Missouri are uninsured.

Missouri is ranked 17th in the U.S. for uninsured drivers.

This statistic is a wake-up call.

If you were to get in an accident with an uninsured driver and that driver went bankrupt paying the costs of damages and medical bills, you might never see a dime of the money you are rightfully owed from that driver that caused the accident in the first place.

But what is a loss ratio and why is it important?

Loss ratio is how we measure how many filed claims were paid out by an insurance company, and how many were not paid.

What is a claim?

A filed claim is when you call your insurance provider and tell them you were in a car accident (or something else caused damage to your vehicle). That provider then decides whether or not it is worth it to pay to repair the vehicle or to total it.

If they decide it needs to be totaled, a check for the amount of money that the vehicle was worth before the accident is then written to the client to cover the cost of a new vehicle.

If a loss ratio percentage is too high, (over 100 percent) the insurance company may be at risk of bankruptcy because they are paying too many claims that maybe they shouldn’t have.

Some of the claims could have been fraudulent, some could have been avoided altogether.

But, if the loss ratio percentage is too low, (under 50-60 percent) the insurance company may be scamming you and every other client they work to protect.

According to our table above, the percentages for medical payments and uninsured/under-insured drivers sit in a sweet spot. Most of the range from 60-70 percent, so that’s a good thing.

What should you take away from this section? Stay away from car insurance companies if their loss ratio is above 100 percent or below 50 percent.

– Add-ons, Endorsements, and Riders

Usually, when you are adding on different coverage options to your already existing policy, you will most likely save money. It’s like going to the grocery store and buying five meals for $10, but when you buy those meals separately, they cost $3 each at a regular price.

But what kind of coverage should you add to your basic policy? How do you know what kind of add-ons are out there?

Don’t worry! We’ve compiled a list below of additional coverage options. Click on the links to read more about what each type of insurance covers.

Remember, you don’t have to choose one type of coverage over the other, and the more car insurance you have, the better.

– Demographic Rates in Missouri

Factors like marital status, age, and gender affect your car insurance rate.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old male
Allstate F&C$2,837.73$2,745.70$2,554.13$2,634.98$7,907.03$8,568.17$2,716.60$2,804.86
American Family Mutual$2,149.34$2,149.34$1,913.91$1,913.91$5,870.28$7,634.60$2,149.34$2,514.45
Farmers Ins Co$2,371.17$2,364.03$2,117.42$2,242.40$9,764.18$10,105.80$2,703.97$2,828.55
Geico Cas$1,900.51$2,128.97$1,478.32$1,889.46$5,917.54$6,266.65$1,744.68$1,756.44
Safeco Ins Co of IL$2,721.34$2,950.25$2,240.72$2,513.42$9,379.72$10,416.74$2,867.37$3,059.82
Allied P&C$1,502.66$1,534.92$1,344.89$1,424.62$3,832.35$4,908.75$1,717.22$1,857.41
Progressive Casualty$2,112.60$1,960.45$1,728.12$1,780.37$6,864.63$7,708.61$2,572.89$2,625.46
State Farm Mutual Auto$1,696.91$1,696.91$1,517.71$1,517.71$4,878.94$6,150.91$1,907.72$2,176.45
USAA$1,551.68$1,539.81$1,394.40$1,421.78$4,594.51$5,616.45$1,934.27$2,153.35

Every company on this list above has a different rate. Sometimes rates are higher for women, sometimes they are higher for men.

Usually, younger drivers will pay a little (or a lot) more a year for their car insurance only because providers know that the younger you are, the less driving experience you have, and the more likely you are to get into an accident.

Hopefully, by the time you’re 25, your rates will decrease if you’ve kept a clean record.

– Cheapest Rates by Zip Codes in Missouri

Did you know that where you live can either increase or decrease your insurance rate? Look for your zip code below to figure out your rate based on where you live.

Cheapest ZIP Codes in MissouriCityAverage by ZIP CodesMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
65301SEDALIA$2,938.18Liberty Mutual$4,135.77Farmers$3,867.71Nationwide$1,998.41USAA$2,379.83
65536LEBANON$2,938.32Liberty Mutual$4,158.01Farmers$3,822.03Nationwide$1,979.14State Farm$2,246.40
65340MARSHALL$2,962.97Liberty Mutual$4,111.86Allstate$3,961.88Nationwide$2,013.02USAA$2,112.00
65347NELSON$3,010.40Liberty Mutual$4,085.36Allstate$3,961.88Nationwide$2,013.02State Farm$2,097.73
65023CENTERTOWN$3,015.33Liberty Mutual$4,171.24Allstate$3,872.65Nationwide$2,071.90State Farm$2,283.73
65473FORT LEONARD WOOD$3,016.38Liberty Mutual$4,283.07Farmers$4,211.44Nationwide$1,979.14USAA$2,337.98
65109JEFFERSON CITY$3,019.92Liberty Mutual$4,206.59Farmers$3,693.79Nationwide$2,071.90State Farm$2,325.82
65339MALTA BEND$3,021.23Liberty Mutual$4,178.74Farmers$4,066.80Nationwide$2,013.02USAA$2,112.00
63461PALMYRA$3,025.53Liberty Mutual$4,088.17Allstate$3,961.88Nationwide$1,961.94State Farm$2,474.26
65344MIAMI$3,029.18Liberty Mutual$4,242.32Allstate$3,961.88Nationwide$2,013.02State Farm$2,097.73
65337LA MONTE$3,034.71Liberty Mutual$4,148.79Allstate$3,961.88Nationwide$1,998.41State Farm$2,299.73
65101JEFFERSON CITY$3,036.06Liberty Mutual$4,236.38Allstate$3,872.65Nationwide$2,071.90State Farm$2,338.55
64735CLINTON$3,036.94Liberty Mutual$4,117.90Allstate$3,994.53Nationwide$2,036.09State Farm$2,275.74
65350SMITHTON$3,037.12Liberty Mutual$4,135.77Allstate$3,961.88Nationwide$1,998.41USAA$2,379.83
65053LOHMAN$3,040.44Liberty Mutual$4,171.24Farmers$3,895.84Nationwide$2,071.90State Farm$2,297.75
64658MARCELINE$3,045.13Liberty Mutual$4,319.53Allstate$3,961.88Nationwide$1,975.18State Farm$2,324.69
63352LADDONIA$3,047.73Liberty Mutual$4,297.83Allstate$3,961.88Nationwide$2,084.58State Farm$2,213.46
63501KIRKSVILLE$3,049.19Liberty Mutual$4,338.31Allstate$3,961.88Nationwide$1,997.44State Farm$2,466.78
64001ALMA$3,050.25Liberty Mutual$4,189.26Farmers$4,098.07Nationwide$2,071.13State Farm$2,289.20
65330GILLIAM$3,053.62Liberty Mutual$4,215.27Allstate$3,961.88Nationwide$2,013.02USAA$2,112.00
65321BLACKBURN$3,053.88Farmers$4,320.44Liberty Mutual$4,189.26Nationwide$2,013.02USAA$2,112.00
65349SLATER$3,054.78Liberty Mutual$4,215.27Allstate$3,961.88Nationwide$2,013.02USAA$2,112.00
65323CALHOUN$3,055.29Liberty Mutual$4,117.90Farmers$3,970.47Nationwide$2,036.09USAA$2,112.00
65320ARROW ROCK$3,056.42Liberty Mutual$4,238.71Allstate$3,961.88Nationwide$2,013.02State Farm$2,097.73
65401ROLLA$3,056.42Liberty Mutual$4,353.06Farmers$4,087.84Nationwide$2,094.65State Farm$2,220.45

Sedalia has the cheapest zip code in Missouri, whereas Saint Louis and Kansas City have the 25 most expensive zip codes.

Most Expensive ZIP Codes in MissouriCityAverage by ZIP CodeMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
63120SAINT LOUIS$5,220.97Progressive$7,750.45Liberty Mutual$6,552.51USAA$2,726.89Nationwide$3,631.66
63113SAINT LOUIS$5,219.91Progressive$8,264.00Farmers$6,518.81USAA$2,726.89Nationwide$3,631.66
63115SAINT LOUIS$5,177.26Progressive$7,879.35Farmers$6,566.91USAA$2,726.89Nationwide$3,631.66
63107SAINT LOUIS$5,156.22Progressive$8,031.09Liberty Mutual$6,517.96USAA$2,726.89Nationwide$3,631.66
63147SAINT LOUIS$5,131.13Progressive$7,589.00Farmers$6,718.68USAA$2,726.89Nationwide$3,631.66
63106SAINT LOUIS$5,071.81Progressive$7,068.45Farmers$6,971.63USAA$2,726.89Nationwide$3,631.66
63118SAINT LOUIS$4,941.63Liberty Mutual$6,517.96Farmers$6,475.17USAA$2,726.89Nationwide$3,343.55
63137SAINT LOUIS$4,931.78Progressive$7,523.21Farmers$5,932.82USAA$2,726.89Nationwide$3,353.82
63136SAINT LOUIS$4,907.41Progressive$6,735.66Farmers$6,386.93USAA$2,726.89Nationwide$3,315.23
63112SAINT LOUIS$4,867.49Liberty Mutual$6,517.96Farmers$6,286.35USAA$2,726.89Nationwide$3,631.66
63111SAINT LOUIS$4,798.75Liberty Mutual$6,517.96Farmers$6,453.23USAA$2,726.89Nationwide$3,444.71
63116SAINT LOUIS$4,776.27Liberty Mutual$6,517.96Farmers$6,199.07USAA$2,726.89Nationwide$3,395.04
63101SAINT LOUIS$4,769.06Liberty Mutual$6,517.96Farmers$6,085.60USAA$2,726.89Nationwide$3,343.55
63102SAINT LOUIS$4,749.36Liberty Mutual$6,517.96Farmers$6,002.14USAA$2,726.89Nationwide$3,343.55
63138SAINT LOUIS$4,737.81Progressive$6,876.18Farmers$5,929.77USAA$2,726.89Nationwide$3,293.47
63103SAINT LOUIS$4,717.32Liberty Mutual$6,517.96Farmers$6,092.26USAA$2,726.89Nationwide$3,343.55
63108SAINT LOUIS$4,689.62Liberty Mutual$6,517.96Farmers$6,215.11USAA$2,726.89Nationwide$3,316.55
63155SAINT LOUIS$4,688.52Liberty Mutual$6,517.96Progressive$5,582.20USAA$2,726.89Nationwide$3,343.55
63104SAINT LOUIS$4,597.70Liberty Mutual$6,517.96Farmers$5,743.00USAA$2,726.89Nationwide$3,343.55
63110SAINT LOUIS$4,573.32Liberty Mutual$6,517.96Farmers$5,899.56USAA$2,726.89Nationwide$3,252.72
64124KANSAS CITY$4,527.14Liberty Mutual$6,653.85Progressive$5,510.01USAA$2,525.57Nationwide$3,513.54
64127KANSAS CITY$4,516.27Liberty Mutual$6,653.85Farmers$5,398.15USAA$2,525.57Nationwide$3,513.54
64123KANSAS CITY$4,501.38Progressive$6,121.06Liberty Mutual$5,960.22USAA$2,525.57Nationwide$3,513.54
64128KANSAS CITY$4,498.89Liberty Mutual$6,653.85Farmers$5,583.59USAA$2,525.57Nationwide$3,513.54
63121SAINT LOUIS$4,496.11Liberty Mutual$5,879.55Farmers$5,792.05USAA$2,726.89Nationwide$3,207.49

– Cheapest Rates by City in Missouri

These are tables that compare the most expensive cities with the most expensive rates versus the least expensive cities with the least expensive rates in Missouri.

Cheapest Cities in MissouriAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Sedalia$2,938.18Liberty Mutual$4,135.77Farmers$3,867.71Nationwide$1,998.41USAA$2,379.83
Lebanon$2,938.32Liberty Mutual$4,158.01Farmers$3,822.03Nationwide$1,979.14State Farm$2,246.40
Marshall$2,962.96Liberty Mutual$4,111.86Allstate$3,961.88Nationwide$2,013.02USAA$2,112.00
Nelson$3,010.40Liberty Mutual$4,085.36Allstate$3,961.88Nationwide$2,013.02State Farm$2,097.73
Centertown$3,015.32Liberty Mutual$4,171.24Allstate$3,872.65Nationwide$2,071.90State Farm$2,283.73
Fort Leonard Wood$3,016.38Liberty Mutual$4,283.07Farmers$4,211.44Nationwide$1,979.14USAA$2,337.98
Malta Bend$3,021.23Liberty Mutual$4,178.74Farmers$4,066.80Nationwide$2,013.02USAA$2,112.00
Palmyra$3,025.53Liberty Mutual$4,088.17Allstate$3,961.88Nationwide$1,961.94State Farm$2,474.26
Jefferson City$3,027.99Liberty Mutual$4,221.49Allstate$3,691.09Nationwide$2,071.90State Farm$2,332.19
Miami$3,029.18Liberty Mutual$4,242.32Allstate$3,961.88Nationwide$2,013.02State Farm$2,097.73
La Monte$3,034.71Liberty Mutual$4,148.79Allstate$3,961.88Nationwide$1,998.41State Farm$2,299.73
Clinton$3,036.94Liberty Mutual$4,117.90Allstate$3,994.53Nationwide$2,036.09State Farm$2,275.74
Smithton$3,037.12Liberty Mutual$4,135.77Allstate$3,961.88Nationwide$1,998.41USAA$2,379.83
Lohman$3,040.44Liberty Mutual$4,171.24Farmers$3,895.84Nationwide$2,071.90State Farm$2,297.75
Marceline$3,045.13Liberty Mutual$4,319.53Allstate$3,961.88Nationwide$1,975.18State Farm$2,324.69
Laddonia$3,047.73Liberty Mutual$4,297.83Allstate$3,961.88Nationwide$2,084.58State Farm$2,213.46
Kirksville$3,049.19Liberty Mutual$4,338.31Allstate$3,961.88Nationwide$1,997.44State Farm$2,466.78
Alma$3,050.25Liberty Mutual$4,189.26Farmers$4,098.07Nationwide$2,071.13State Farm$2,289.20
Gilliam$3,053.62Liberty Mutual$4,215.27Allstate$3,961.88Nationwide$2,013.02USAA$2,112.00
Blackburn$3,053.88Farmers$4,320.44Liberty Mutual$4,189.26Nationwide$2,013.02USAA$2,112.00
Slater$3,054.78Liberty Mutual$4,215.27Allstate$3,961.88Nationwide$2,013.02USAA$2,112.00
Calhoun$3,055.29Liberty Mutual$4,117.90Farmers$3,970.47Nationwide$2,036.09USAA$2,112.00
Arrow Rock$3,056.42Liberty Mutual$4,238.71Allstate$3,961.88Nationwide$2,013.02State Farm$2,097.73
Rolla$3,056.42Liberty Mutual$4,353.06Farmers$4,087.84Nationwide$2,094.65State Farm$2,220.45
Vandalia$3,059.82Liberty Mutual$4,338.91Farmers$4,012.74Nationwide$2,084.58State Farm$2,203.83

Sedalia, the city with the cheapest zip code, also has the cheapest rates overall.

Most Expensive Cities in MissouriAverage by CityMost Expensive CompanyMost Expensive Rate2nd Most Expensive Company2nd Most Expensive RateCheapest CompanyCheapest Rate2nd Cheapest Company2nd Cheapest Rate
Pine Lawn$5,220.97Progressive$7,750.45Liberty Mutual$6,552.51USAA$2,726.89Nationwide$3,631.66
Bellefontaine Neighbors$4,931.78Progressive$7,523.21Farmers$5,932.82USAA$2,726.89Nationwide$3,353.82
Castle Point$4,907.41Progressive$6,735.66Farmers$6,386.93USAA$2,726.89Nationwide$3,315.23
St. Louis$4,788.76Liberty Mutual$6,471.28Farmers$6,141.48USAA$2,726.89Nationwide$3,389.49
Spanish Lake$4,737.81Progressive$6,876.18Farmers$5,929.77USAA$2,726.89Nationwide$3,293.47
Bel-Nor$4,496.11Liberty Mutual$5,879.55Farmers$5,792.05USAA$2,726.89Nationwide$3,207.49
Hanley Hills$4,380.21Liberty Mutual$6,167.47Farmers$5,844.01USAA$2,726.89Nationwide$3,207.49
Calverton Park$4,323.89Farmers$5,629.02Allstate$5,557.57USAA$2,726.89Nationwide$2,980.64
Black Jack$4,323.75Farmers$5,639.46Liberty Mutual$5,580.91USAA$2,455.64Nationwide$3,088.75
Old Jamestown$4,270.14Farmers$5,738.36Allstate$5,557.57USAA$2,455.64Nationwide$3,130.76
Berkeley$4,217.00Liberty Mutual$5,640.51Allstate$5,549.63USAA$2,726.89Nationwide$3,015.07
Clayton$4,200.08Liberty Mutual$6,517.96Allstate$5,557.57USAA$2,726.89Nationwide$2,874.54
Florissant$4,158.74Farmers$5,564.76Allstate$5,557.57USAA$2,455.64Nationwide$2,890.76
Hazelwood$4,100.07Allstate$5,549.63Farmers$5,505.55USAA$2,455.64Nationwide$2,700.99
University City$3,978.05Liberty Mutual$5,705.26Farmers$4,920.54USAA$2,726.89Nationwide$2,862.98
Bella Villa$3,912.51Farmers$5,202.22Liberty Mutual$5,167.71USAA$2,726.89Nationwide$2,846.19
Richmond Heights$3,908.89Liberty Mutual$5,427.05Allstate$5,271.27USAA$2,726.89Nationwide$2,810.43
Breckenridge Hills$3,891.60Liberty Mutual$5,801.31Farmers$5,047.65USAA$2,455.64Nationwide$2,857.79
Maplewood$3,881.90Liberty Mutual$5,633.13Farmers$4,968.12USAA$2,726.89Nationwide$2,810.43
Mehlville$3,879.40Farmers$5,340.86Liberty Mutual$5,232.01Nationwide$2,648.00USAA$2,726.89
Olivette$3,860.85Liberty Mutual$5,288.31Farmers$4,966.42USAA$2,726.89Nationwide$2,849.81
Bel-Ridge$3,839.35Liberty Mutual$5,354.84Farmers$4,903.23USAA$2,726.89Nationwide$2,857.79
Cedar Hill$3,828.32Liberty Mutual$5,253.06Farmers$4,970.86USAA$2,726.89Nationwide$2,781.08
Kansas City$3,803.99Liberty Mutual$5,328.57Farmers$4,820.22USAA$2,525.57Nationwide$2,716.19
Luebbering$3,791.75Liberty Mutual$5,042.93Farmers$4,852.98USAA$2,455.64Nationwide$2,643.58

Missouri Car Insurance Companies

There are literally hundreds of car insurance companies out there, so how are you supposed to choose just one to insure you?

You might choose a company thinking you are getting a good rate, only to find out that the coverage isn’t all that was originally promised.

That’s why we’ve done all the hard work for you and collected data on Missouri’s best car insurance companies. Keep reading to learn more about best ratings, company complaints, and more.

– The Largest Companies Financial Rating

Have you ever considered financial strength to be something important when choosing a car insurance company?

We measure financial strength through something called the AM Best Rating. Take a look at the ten largest Missouri companies and their AM Best Ratings.

COMPANY NAMEAM BEST RATINGDIRECT PREMIUMS WRITTENLOSS RATIOMARKET SHARE
State Farm GroupA++$937,74265.35%24.06%
American Family Insurance GroupA$506,15366.85%12.99%
Progressive GroupA+$370,33658.99%9.50%
Liberty Mutual GroupA$256,15664.67%6.57%
GeicoA++$253,45775.07%6.50%
Farmers Insurance GroupA$219,41966.63%5.63%
Shelter Insurance GroupA$206,08370.23%5.29%
Allstate Insurance GroupA+$163,13760.06%4.19%
USAA GroupA++$154,61587.73%3.97%
Auto Club Enterprises Insurance GroupNR$146,33068.51%3.75%

As we discussed earlier, loss ratio percentages should stay above 50 percent and under 100 percent. Every single one of the companies on our list stays between these two numbers, so rate away we know that they all have a strong financial rating.

– Companies with Best Ratings

JD Power has also ranked car insurance companies by dividing them up into regions across the U.S.

JD Power Missouri

These rankings are based on five key factors: interaction; policy offerings; price; billing process and policy information; and claims.

– Companies with the Most Complaints in Missouri

Every company receives a complaint or two every now and then; how a company chooses to handle a complaint is what’s really important.

Below are complaint statistics for the ten largest car insurance companies in Missouri.

CompanyNational Median Complaint Ratio 2017Company Complaint Rating 2017Total Complaints 2017
State Farm Group10.441,482
American Family Insurance Group10.7973
Progressive Group10.75120
Liberty Mutual Group15.95222
GeicoN/AN/AN/A
Farmers Insurance Group100
Shelter Insurance Group10.6147
Allstate Insurance Group10.50163
USAA GroupN/AN/AN/A
Auto Club Enterprises Insurance Group10.6918

– Cheapest Companies in Missouri

This chart compares rates in Missouri against the national average car insurance rate.

CompanyAverageCompared to State AveragePercentage Compared to State Average
Allstate F&C$4,096.15$762.5518.62%
American Family Mutual$3,286.90-$46.70-1.42%
Farmers Ins Co$4,312.19$978.5922.69%
Geico Cas$2,885.32-$448.28-15.54%
Safeco Ins Co of IL$4,518.67$1,185.0726.23%
Allied P&C$2,265.35-$1,068.25-47.16%
Progressive Casualty$3,419.14$85.542.50%
State Farm Mutual Auto$2,692.91-$640.70-23.79%
USAA$2,525.78-$807.82-31.98%

– Commute Rates by Companies

Since car insurance is there to help us in the event of an accident, it only makes sense that they are aware of how far we’re driving every day. The more you drive, the more likely you are to get into an accident.

Here are rates based on commute distance.

Group10 Miles Commute, 6000 Annual Mileage25 Miles Commute, 12000 Annual Mileage
Allstate$4,096.15$4,096.15
American Family$3,254.30$3,319.49
Farmers$4,312.19$4,312.19
Geico$2,830.47$2,940.17
Liberty Mutual$4,518.67$4,518.67
Nationwide$2,265.35$2,265.35
Progressive$3,419.14$3,419.14
State Farm$2,627.16$2,758.65
USAA$2,434.31$2,617.25

Many of these rates are the same, and some only changed about $100 or so.

– Coverage Level Rates by Companies

Sometimes, if you add more coverage to your basic insurance plan, your rate will be discounted.

Check it out below.

GroupLow CoverageMedium CoverageHigh Coverage
Allstate$3,945.84$4,087.71$4,254.90
American Family$3,188.97$3,390.79$3,280.93
Farmers$4,037.99$4,270.52$4,628.06
Geico$2,699.84$2,906.16$3,049.96
Liberty Mutual$4,263.43$4,540.46$4,752.13
Nationwide$2,128.01$2,286.38$2,381.67
Progressive$3,056.63$3,427.58$3,773.22
State Farm$2,524.26$2,702.01$2,852.45
USAA$2,419.58$2,517.25$2,640.50

– Credit History Rates by Companies

Did you know your credit can affect your rate? If you have poor credit, you are most likely going to have a high car insurance rate. On the other hand, if you’re responsible with your credit, your rate should be relatively low.

GroupPoor Credit HistoryFair Credit HistoryGood Credit History
Allstate$5,651.36$3,635.18$3,001.92
American Family$4,294.74$3,021.03$2,544.91
Farmers$4,926.22$4,105.51$3,904.85
Geico$3,984.44$2,595.41$2,076.11
Liberty Mutual$6,486.70$3,955.62$3,113.69
Nationwide$2,672.67$2,206.14$1,917.26
Progressive$3,964.53$3,275.50$3,017.40
State Farm$3,688.05$2,409.46$1,981.21
USAA$4,212.99$1,960.03$1,404.32

The difference between some of these rates are thousands of dollars.

Missouri state drivers had an average credit score of 675 in 2017.

But credit score, coverage level, and commute distance aren’t all that can affect your rate.

Up next, different driving records reflect car insurance rate.

– Driving Record Rates by Companies

GroupClean RecordWith 1 Speeding ViolationWith 1 AccidentWith 1 DUI
Allstate$3,512.16$3,976.44$3,963.68$4,932.33
American Family$2,464.75$2,810.96$3,548.51$4,323.36
Farmers$3,735.40$4,343.83$4,635.57$4,533.97
Geico$2,251.53$2,441.95$2,917.03$3,930.78
Liberty Mutual$3,282.75$5,222.59$4,711.37$4,857.97
Nationwide$1,781.84$1,949.48$2,284.19$3,045.90
Progressive$2,965.00$3,467.90$3,960.21$3,283.46
State Farm$2,476.06$2,692.90$2,909.75$2,692.90
USAA$2,030.33$2,215.48$2,457.96$3,399.34

If you’re given just one citation for speeding, your rate can increase by hundreds of dollars. If you get a DUI, forget it. You’re looking at having your rate increased by thousands of dollars.

– Number of Insurers in Missouri

What’s the difference between domestic and foreign insurance?

DomesticForeignTotal Number of Licensed Insurers
43900943

Domestic insurance laws are formed in the state of Missouri. Foreign insurance laws are influenced and formed by the laws of any state in the U.S.

Missouri State Laws

If you are a new resident of Missouri or you’re thinking about moving there, you need to learn specific Missouri state driving laws. Otherwise, you may be pulled over for something and not even know what you’re getting a ticket for.

Just because you are unaware of a law, doesn’t mean you’re excused from it.

In order to get you all caught up with Missouri state laws, we’ve compiled a list that includes seat belt laws, insurance coverage laws, can’t miss facts, and so on. So hold on tight and join us for this section on Missouri state laws.

– Car Insurance Laws

Every driver in the state of Missouri must carry at least the minimum liability insurance.

Regarding rate filing, use and file (10 days) and the use self-certification option is available and under the jurisdiction of the commissioner.

According to the National Association of Insurance Commissioners, the department of insurance in Missouri can disapprove new policy forms within 60 days.

– Windshield Coverage

By law, Missouri insurers do not have to pay to repair a broken windshield, however, some insurance companies may offer this coverage with a comprehensive plan.

If you choose to have a comprehensive plan that covers windshield damage, after-market parts may be used, if stated on the estimate, and the parts are at least equal in like, kind and quality in terms of fit, quality, and performance.

Keep in mind that the insurer may choose the repair vendor.

– High-Risk Insurance

No one wants to be considered a “high-risk” driver. But if you get into an accident, you may be required to carry an SR-22 insurance form. SR-22 insurance may also be required if you find yourself in any of the following scenarios:

  • License suspension
  • DUI conviction
  • Reckless driving
  • Driving without insurance

Missouri SR-22 requirements will be different from state to state, so always confirm that your SR-22 policy is still active if you move across state lines.

– Low-Cost Insurance

Have a low-income household? California, New Jersey, and Hawaii offer low-income car insurance plans. Unfortunately, Missouri does not offer a specific discount for low-income households at this time.

But, there are many other ways to save on your car insurance premium.

Ask your provider if they carry any of the following discounts:

  • Student discount
  • Good driver discount
  • Multi-car discount
  • Homeowner’s discount
  • Over 25 years-old discount

Want to save even more on your yearly premium? All you have to do is enter your zip code into the box below and we will find you the best rate possible.

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– Automobile Insurance Fraud in Missouri

Auto insurance fraud is a serious crime in the state of Missouri. According to the Insurance Information Institute, insurance fraud can be considered “hard” or “soft”.

Hard fraud occurs when someone deliberately fabricates claims or fakes an accident.

Soft insurance fraud, also known as opportunistic fraud, occurs when people pad legitimate claims, for example, or, in the case of business owners, list fewer employees or misrepresent the work they do to pay lower premiums for workers compensation.

Committing insurance fraud can cost you money, jail time, and even license suspension.

– Statute of Limitations

When you live in a world where time is a vital concept to life, you have what is called the statute of limitations.

The statute of limitations law is there to protect a consumer or provider when it comes to filing a claim with an insurance company. If you’re in an accident, don’t wait to file a claim – do it right away.

Missouri gives you five years to file a claim for personal injury damage and property damage. Does that seem like a long time? Five years can go by pretty fast, so file that claim as soon as possible.

– Vehicle Licensing Laws

Have you ever heard of a Real ID?

After October 2020, all Missourians must carry a passport or a Real ID with them when going through airport security. You will not need the Real ID to drive, vote or prove your age.

Keep mind that you will need to provide the proper documentation at the DMV when you are applying for the Real ID.

– Penalties for Driving Without Insurance

If you get caught driving without insurance, you may have to pay a fine, have your license suspended, and drive under supervision.

Number of OffensePenalty
1st OffenseFour points against driving record driver may be supervised suspended until proof of insurance with $20 reinstatement fee
2nd OffenseFour points against driving record driver may be supervised suspended for 90 days with $200 reinstatement fee

If a law enforcement officer pulls you over and asks to see proof of insurance, you must provide it to him or her at all times.

Acceptable forms of proof of insurance are:

  • Electronic insurance card
  • Valid insurance card
  • Copy of your insurance card

You might be required to get SR-22 insurance if you are caught driving without any insurance at all. This means your premiums will go up and your wallet weight will go down. Don’t be that person – drive with insurance.

– Teen Driver Laws

You must have a minimum age of 15 years old in order to get a learner’s license in the state of Missouri.

Before graduating to a restricted license, you must be at least 16 years old.

Requirements for Getting a License in MissouriTime/Age
Mandatory Holding Period6 months
Minimum Supervised Driving Time40 hours, 10 of which must be at night
Minimum Age16-years-old

If you have a Missouri state restricted license, you must follow the guidelines below.

Type of RestrictionRestriction Requirement                        
Nighttime restrictions1 a.m.-5 a.m.
Passenger restrictions (family members excepted unless noted otherwise)first 6 months—no more than 1 passenger younger than 19; thereafter, no more than 3 passengers younger than 19

At the age of 17 years and 11 months, all restrictions will be lifted and a young driver can get a regular license.

– Older Driver License Renewal Procedures

We’ve talked about teen drivers, and now it’s time to discuss older drivers. If you are over the age of 70, you must renew your license every three years. If you are younger than 70, you must renew your license every six years.

Missouri drivers may not renew their license online or through the mail and proof of adequate vision is required at every renewal.

– New Residents

What kind of car insurance do you need if you move to Missouri and how long do you have before you have to have Missouri insurance?

Missouri drivers must have a minimum insurance policy of:

  • $25,000 for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
  • $50,000 for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
  • $10,000 for property damage per accident caused by the owner/driver of the insured vehicle

New Missouri residents applying for an instruction permit or driver license must provide acceptable documents of the following:

  • Proof of Identity;
  • Date of Lawful Status;
  • Proof of Social Security number
  • Proof of Missouri residential address
  • Driver Examination Record (Form 100) from the Missouri State Highway Patrol (MSHP) indicating successful completion of tests (not required for nondriver identification card)

– Negligent Operator Treatment System

According to NOLO, unlike most other states, Missouri doesn’t have a law that prohibits “reckless” driving. The closest analog is Missouri’s careless and imprudent driving law.

That law requires motorists to:

  • drive in a “careful and prudent manner”
  • drive at a rate of speed so as not to endanger the person or property of another
  • “exercise the highest degree of care”

There are serious penalties for people who are caught while carelessly driving. Careless and imprudent driving is a class B misdemeanor. Convicted motorists face up to six months in jail and a maximum of $1,000 in fines.

A careless and imprudent driving violation will also add four demerit points to the motorist’s driving record.

Careless and imprudent driving offenses that involve an accident (collision) are class A misdemeanors. A conviction carries up to a year in jail and a maximum of $2,000 in fines.

– Rules of the Road

If you don’t know what the rules of the road are, how do think you’re going to obey them? Buckle up as we discuss the rules of the Missouri road in this section below.

– Fault vs. No-Fault

As we previously discussed, Missouri is an at-fault state. This means that if someone causes an accident that you’re involved in, you are required by law to file a claim with your insurance company.

It also means that you are responsible to cover the costs of any damages and medical bills if you (or your vehicle) were harmed in the accident.

Because these costs can add up quickly, it is important to always have more than the minimum amount of car insurance required.

– Seat Belt and Car Seat Laws

How old does your child need to be to be able to sit in the passenger seat in Missouri? Have you ever wondered if your car seat complies with state law? Missouri laws about seat belts and car seats are in place for a reason.

Continue reading below if you have any questions about seat belt or car seat laws in Missouri.

Seat Belt Laws in MissouriDetails
Effective SinceSeptember 28, 1985
Primary Enforcementno (yes for children <16)
Age/Seats Applicable16+ years old in front seat
1st Offense Max Fine$10

Keep your child safe by making sure they are in the correct car seat for their age, weight, and height.

Type of Car Seat RequiredAge
Child Restraintall children who are 3 years and younger and all children who weigh less than 40 pounds must be in a child restraint
Child Booster Seat/Restraint4 through 7 years who weigh at least 40 pounds but less than 80 pounds and who are 4'9" or shorter must be in either a child restraint or booster seat
Adult Belt Permissibleall children 8 through 16 years; all children 4 years and older who weigh 80 pounds or more or who are taller than 4'9"

Even though Missouri laws states there is no preference for a rear-facing car seat, it’s still important to research the safest way to transport your child while in a vehicle.

Keep in mind that is also illegal to ride in the cargo area of a vehicle, i.e., the pick-up cargo area of a truck.

– Keep Right and Move Over Laws

If you are driving slower than the average speed of traffic, the law requires you to keep right and allow other drivers to pass you in the left lane.

According to the Missouri Revisor of Statutes, the driver of a motor vehicle may overtake and pass to the right of another vehicle only under the following conditions:

  • When the vehicle overtaken is making or about to make a left turn
  • Upon a city street with unobstructed pavement of sufficient width for two or more lines of vehicles in each direction
  • Upon a one-way street
  • Upon any highway outside of a city with unobstructed pavement of sufficient width and clearly marked for four or more lines of traffic

State law also requires drivers approaching a stationary emergency vehicle displaying flashing lights, including towing and recovery vehicles, traveling in the same direction, to vacate the lane closest if safe and possible to do so, or slow to a speed safe for road conditions.

– Speed Limits

As common as getting a speeding ticket is, you would think more people would pay attention to speed limit signs.

Unless otherwise marked, here are the speed limits for different types of roadways in Missouri.

Type of RoadwaySpeed Limit
Rural Interstates70 mph
Urban Interstates60 mph
Other Limited Access Roads70 mph
Other Roads65 mph

Remember, these are the maximum speed limits in the state of Missouri. If you exceed these limits, you are breaking the law.

– Ridesharing

What is ridesharing?

Have you ever heard of ridesharing services like Uber or Lyft? If you’re considering working for a ridesharing service, you’re going to need special ridesharing insurance.

Currently, USAA is the only insurance company in Missouri that offers ridesharing insurance.

– Automation on the Road

According to the IIHS, automation is defined as the use of a machine or technology to perform a task or function that was previously carried out by a human.

There are no laws about automation in the state of Missouri at this time.

– Safety Laws

Ever wonder what Missouri safety laws are? In this section, we will go over DUI laws, distracted driving laws, and more.

-DUI Laws

Driving while under the influence is a crime and is punishable by fines, jail time and license suspension.

Missouri DUI LawsDetails
Name for OffenseDriving While Intoxicated (DWI)
BAC Limit0.08
High BAC Limit0.15; 0.2
Criminal Status1st intoxication offense class B misdemeanor, first per se offense class C misdemeanor, 2nd class A misdemeanors, 3rd class D felony, 4th+ class C felony
Look Back Period5 years

If you drink and drive just one time and get caught, there are serious consequences.

Number of OffenseALS or RevocationImprisonmentFine
1st Offense30 day suspension, may be eligible for restricted driving privilegeno minimumno minimum
2nd Offense1 year revocation due to accumulation of points; if 2nd in 5 years, may receive 5 year denialno minimumno minimum
3rd Offense10 year license denialno minimumno minimum
4th Offensesame as 3rdsame as 3rdsame as 3rd

There is no minimum on jail time or fines, so depending on the judge you have for your DUI trial, you could have a short stay in prison, or a long one; it’s all up for interpretation and the judge’s imagination.

– Marijuana-Impaired Driving Laws

Currently, there aren’t any laws against marijuana-impaired driving. But, just because you technically can’t be pulled over for marijuana does not mean you can’t be pulled over be impaired driving.

The penalty for impaired driving varies from state to state and can include fines, jail time, and license suspension.

– Distracted Driving Laws

Although technology has been a very helpful resource, it can also be a distraction to drivers on the road. If you are under 21 years old in the state of Missouri, texting and driving is against the law.

There aren’t any laws against talking on your phone, however, if the phone call or the text can wait, it’s better to wait until you’re done driving to answer it. Recent studies have shown that texting and driving is worse than drunk driving sometimes.

Driving in Missouri

So far, we’ve talked about types of Missouri car insurance, rules of the road, DUI laws, speed limits and more. But now it’s time to talk about the risks of the road.

If you are aware of the risks of the road, you are less likely to be involved in an accident, and more likely to stay safe while driving on Missouri roads.

Don’t go away. In this section, we will go over vehicle thefts, road fatalities, and traffic congestion.

– Vehicle Theft in Missouri

Did you know that some cars are stolen more than others? Here’s a list of the top ten most stolen vehicles in Missouri.

Vehicle StolenYearTotal Stolen
Ford Pickup (Full Size)2004880
Chevrolet Pickup (Full Size)2000783
Dodge Caravan2003465
Dodge Pickup (Full Size)2001410
Chevrolet Impala2008369
Jeep Cherokee/Grand Cherokee1998289
Honda Accord1997274
Ford Taurus2002250
Chevrolet Malibu2015243
Toyota Camry2014236

Where you live also plays a role in the frequency of vehicle theft. Below is an FBI list with the cities in Missouri where vehicle theft is most prevalent.

CityMotor
vehicle
theft
Adrian1
Advance0
Anderson6
Annapolis1
Appleton City1
Arbyrd0
Archie0
Arnold30
Ash Grove2
Ashland2
Aurora24
Auxvasse1
Ava4
Ballwin8
Battlefield2
Bella Villa0
Belle1
Bellefontaine Neighbors45
Bellerive0
Bel-Nor1
Bel-Ridge10
Belton39
Berkeley27
Bernie0
Bertrand3
Bethany5
Beverly Hills3
Billings1
Birch Tree0
Bismarck3
Blackburn0
Bloomfield2
Blue Springs128
Bolivar15
Bonne Terre9
Boonville14
Bowling Green1
Branson61
Branson West4
Braymer0
Breckenridge Hills17
Brentwood11
Bridgeton40
Brookfield9
Brunswick1
Bucklin0
Buckner4
Buffalo4
Butler6
Butterfield Village0
Byrnes Mill0
Cabool1
California1
Calverton Park0
Camdenton8
Cameron3
Campbell2
Canalou0
Canton2
Cape Girardeau57
Cardwell0
Carl Junction12
Carrollton13
Carterville3
Carthage15
Caruthersville14
Cassville5
Center0
Centralia7
Chaffee2
Charlack5
Charleston6
Chesterfield16
Chillicothe8
Clarkton0
Claycomo6
Clayton13
Cleveland0
Clever1
Clinton17
Cole Camp1
Columbia166
Concordia2
Conway2
Cool Valley4
Corder0
Cottleville0
Country Club Hills2
Crane1
Creighton0
Crestwood6
Creve Coeur13
Crocker2
Crystal City8
Cuba10
Delta0
Desloge10
De Soto8
Des Peres5
Dexter8
Diamond1
Dixon7
Doniphan10
Doolittle0
Drexel2
Duenweg4
Duquesne1
East Prairie0
Edgar Springs0
Edina0
Edmundson4
Eldon7
El Dorado Springs7
Ellington0
Ellisville4
Ellsinore0
Elsberry2
Eminence0
Emma0
Essex0
Eureka5
Excelsior Springs26
Exeter0
Fair Grove1
Fair Play0
Fairview0
Farmington25
Fayette2
Ferguson77
Ferrelview1
Festus11
Fleming0
Flordell Hills4
Florissant60
Foley0
Fordland0
Foristell0
Forsyth4
Fredericktown12
Freeman0
Frontenac1
Fulton17
Galena0
Gallatin0
Garden City3
Gerald1
Gideon0
Gladstone42
Glasgow0
Glendale4
Glen Echo Park0
Goodman6
Gower2
Grain Valley15
Granby2
Grandin0
Grandview94
Greendale3
Greenfield0
Greenville1
Greenwood4
Hallsville1
Hamilton1
Hannibal32
Harrisonville17
Hartville1
Hawk Point0
Hayti6
Hayti Heights0
Hazelwood42
Henrietta0
Herculaneum2
Hermann2
Higginsville6
Highlandville1
Hillsboro5
Hillsdale4
Holcomb0
Holden2
Hollister7
Holt1
Holts Summit0
Hornersville0
Houston5
Howardville0
Humansville0
Hurley0
Iberia0
Independence792
Indian Point1
Iron Mountain Lake2
Ironton4
Jackson8
Jasper0
Jefferson City49
Jennings75
Jonesburg3
Joplin253
Kahoka1
Kansas City4,287
Kearney9
Kennett33
Kimberling City2
Kimmswick0
King City0
Kinloch3
Kirksville12
Kirkwood10
Knob Noster3
Ladue1
La Grange2
Lake Lotawana2
Lake Ozark0
Lakeshire0
Lake St. Louis7
Lake Tapawingo1
Lake Waukomis1
Lake Winnebago0
Lamar3
La Monte0
La Plata0
Lathrop3
Laurie0
Lawson7
Leadington2
Leadwood3
Leasburg0
Lebanon19
Lee's Summit109
Leeton0
Liberal0
Liberty31
Licking2
Lincoln3
Linn2
Linn Creek1
Lone Jack1
Louisiana0
Lowry City0
Macon4
Malden4
Manchester7
Mansfield2
Maplewood25
Marble Hill0
Marceline4
Marionville3
Marshall14
Marshfield5
Marston0
Marthasville0
Martinsburg0
Maryland Heights20
Maryville7
Matthews1
Maysville0
Memphis3
Merriam Woods1
Mexico8
Milan2
Miller0
Miner5
Miramiguoa0
Moberly14
Moline Acres11
Monett21
Monroe City1
Montgomery City2
Morehouse1
Morley1
Mosby5
Moscow Mills2
Mound City1
Mountain Grove5
Mountain View8
Mount Vernon7
Napoleon0
Neosho22
Nevada40
New Bloomfield0
Newburg0
New Florence1
New Franklin2
New Haven1
New London1
New Madrid2
New Melle0
Niangua0
Nixa16
Noel4
Norborne0
Normandy8
North Kansas City44
Northmoor3
Northwoods14
Norwood0
Oak Grove12
Oakland1
Oakview Village1
Odessa4
O'Fallon20
Old Monroe0
Olivette4
Oregon0
Oronogo2
Orrick1
Osage Beach1
Osceola1
Overland19
Owensville1
Ozark20
Pacific3
Pagedale6
Palmyra2
Parkville6
Parma0
Pasadena Park0
Peculiar6
Perry2
Perryville15
Pevely3
Piedmont1
Pierce City5
Pilot Knob0
Pine Lawn6
Pineville0
Platte City6
Platte Woods3
Plattsburg0
Pleasant Hill7
Pleasant Hope0
Pleasant Valley4
Polo0
Poplar Bluff53
Portageville0
Potosi8
Purdy3
Puxico2
Qulin0
Randolph0
Raymore13
Raytown119
Reeds Spring0
Republic13
Rich Hill3
Richland2
Richmond8
Richmond Heights10
Riverside20
Riverview16
Rockaway Beach0
Rock Hill1
Rock Port1
Rogersville5
Rolla18
Rosebud0
Salem11
Salisbury1
Sarcoxie2
Savannah3
Scott City1
Sedalia63
Seligman0
Senath0
Seneca3
Seymour2
Shelbina2
Shrewsbury5
Sikeston29
Silex0
Slater2
Smithville2
Southwest City2
Sparta3
Springfield1,146
St. Ann29
St. Charles67
St. Clair17
Steele3
Steelville6
Ste. Genevieve0
Stewartsville0
St. James1
St. John11
St. Joseph296
St. Louis3,330
St. Marys0
Stover1
St. Peters30
Strafford1
Strasburg0
St. Robert13
Sturgeon0
Sugar Creek23
Sullivan6
Summersville2
Sunset Hills13
Sweet Springs0
Tarkio1
Terre du Lac3
Thayer1
Tipton1
Town and Country1
Trenton5
Trimble0
Troy8
Truesdale1
Union21
Unionville3
University City72
Urbana0
Van Buren1
Vandalia4
Velda City4
Velda Village Hills3
Verona1
Versailles2
Viburnum0
Vienna0
Vinita Park6
Walnut Grove0
Wardell0
Warrensburg29
Warrenton2
Warsaw3
Warson Woods0
Washburn0
Washington10
Waynesville1
Weatherby Lake0
Webb City26
Webster Groves6
Wellston12
Wellsville2
Wentzville11
Weston1
West Plains24
Wheaton0
Willard6
Willow Springs2
Winfield1
Winona2
Wood Heights1
Woodson Terrace22
Wright City2

– Road Fatalities in Missouri

What kinds of risks play a factor in traffic fatalities? Is it the road type? Drinking and driving? Type of vehicle? Sometimes weather patterns affect traffic fatalities.

– Fatal Crashes by Weather Condition and Light Condition

Weather ConditionDaylightDark,
but
Lighted
DarkDawn
or
Dusk
Other /
Unknown
Total
Normal44011820227769
Rain256160148
Snow/Sleet501006
Other85120025
Unknown3460215
TOTAL481133237210863

– Fatalities (All Crashes) by County

County NameFatalities
2013
2014201520162017Fatalities
Per 100k
Population
2013
2014201520162017
Adair County220457.787.83015.8619.7
Andrew County4227223.1211.5711.5540.3711.39
Atchison County003110056.5618.8318.96
Audrain County253577.8319.3711.5619.3227.3
Barry County13759736.819.8114.1525.4719.63
Barton County4230032.8516.6825.3500
Bates County0153206.0530.5518.3312.24
Benton County6771031.6837.0937.275.290
Bollinger County3524324.0340.2616.2332.7824.38
Boone County10181527175.8510.428.615.299.54
Buchanan County126641213.366.696.724.4813.47
Butler County1047111323.279.3316.3425.7130.47
Caldwell County01221011.122.222.0510.99
Callaway County3714996.7415.6831.3219.9719.99
Camden County611911813.5524.6820.124.4417.53
Cape Girardeau County781212149.0410.2715.3515.3117.91
Carroll County1112411.0411.1611.2622.5945.48
Carter County4163063.115.9295.648.330
Cass County1581214914.97.9311.8413.628.68
Cedar County4230329.0414.5121.76021.32
Chariton County2112126.1613.0113.1726.5613.37
Christian County691111127.441113.2413.0714.05
Clark County2223228.9929.0529.4144.5729.75
Clay County19182020198.257.728.58.387.82
Clinton County04422019.7419.449.749.73
Cole County7105849.1213.046.5110.425.21
Cooper County4503122.7228.47016.975.67
Crawford County251478.1620.324.0816.5129.04
Dade County2211426.5426.3213.213.1552.71
Dallas County132656.0718.3612.2436.6329.99
Daviess County1102712.0512.01024.2983.72
Dekalb County2115415.837.977.9739.9831.78
Dent County3454319.125.6432.0125.9319.38
Douglas County3101422.337.407.4930.08
Dunklin County96125928.3719.1738.9316.3629.88
Franklin County252322211424.5722.5621.5120.4413.55
Gasconade County1231346.7513.5120.3588.1427.16
Gentry County01100014.8115.0300
Greene County28232844329.878.069.7515.2811.04
Grundy County02321019.6529.9919.8410.05
Harrison County3123334.4511.5923.234.9235.19
Henry County242659.0518.169.2127.7623.02
Hickory County2061321.4064.7310.6731.66
Holt County054110110.3889.2322.3322.66
Howard County2125119.539.8719.7349.699.86
Howell County106514824.8514.9512.4834.8819.95
Iron County124239.5519.2839.1719.7129.34
Jackson County7260828911110.598.7811.9312.8415.88
Jasper County20821171217.136.7917.7114.259.98
Jefferson County22363039359.9616.2213.4517.4615.64
Johnson County1585111327.6114.769.3220.524.12
Knox County2012049.26025.650.70
Laclede County59612314.0425.3516.9333.878.46
Lafayette County5385515.239.1924.5215.3615.32
Lawrence County791371118.3723.7434.2218.3128.62
Lewis County0122109.9119.7319.8410.03
Lincoln County1112911820.4422.1416.4819.9314.24
Linn County114258.128.1232.5716.4741
Livingston County2042313.45026.7913.2119.77
Macon County2130412.926.4719.63026.23
Madison County04432032.7932.8324.5316.34
Maries County2646422.0866.4544.667.6145.11
Marion County4425213.9113.916.9717.446.98
Mcdonald County9798939.7630.6639.6535.1439.43
Mercer County001210027.3254.6727.19
Miller County17799468.5228.1936.1936.0115.86
Mississippi County2715314.1349.457.1736.422.08
Moniteau County2433312.725.2818.918.7418.68
Monroe County02120022.911.5823.160
Montgomery County4594533.7342.6277.6834.8543.71
Morgan County196644.9744.8529.9129.8519.86
New Madrid County8648943.6332.8722.1144.7251.19
Newton County8266142113.744.7310.3224.0536.03
Nodaway County3325312.9613.058.8422.2313.35
Oregon County143139.1536.9627.659.3128.41
Osage County132017.3222.0314.7907.32
Ozark County2403421.0742.43032.6543.54
Pemiscot County57108528.1239.8257.3846.7829.72
Perry County3832315.7541.8415.7210.4215.6
Pettis County511851011.8526.0618.9111.8323.5
Phelps County8513132117.7711.1229.022946.93
Pike County3185216.125.443.4827.0210.77
Platte County1297132112.859.497.2613.1820.75
Polk County8396425.79.6428.7719.112.58
Pulaski County9647716.6411.197.5113.3113.45
Putnam County02102041.320.57041.57
Ralls County4237139.3819.4829.5268.449.78
Randolph County4351616.0411.9819.98424.05
Ray County154344.3421.8217.5713.217.5
Reynolds County1354415.4846.8479.462.7963.75
Ripley County4444528.6128.7229.0229.0336.86
Saline County4637617.2225.7813.0230.6326.48
Schuyler County2005045.7700111.330
Scotland County1012120.44020.7740.7520.15
Scott County5555212.7612.8712.8312.915.19
Shannon County5223260.2824.124.1636.3924.25
Shelby County002210032.7833.0516.61
St. Charles County16242527374.276.326.496.919.36
St. Clair County4171142.1610.674.410.7610.68
St. Francois County15111110922.6916.7216.6115.0613.49
St. Louis City443750635613.8111.6515.8120.1218.14
St. Louis County505369788655.296.897.818.63
Ste. Genevieve County5662927.8633.4733.6811.1950.44
Stoddard County61613720.143.3620.1844.0923.83
Stone County10779831.5922.2622.3528.5425.24
Sullivan County03212046.3531.415.7732.11
Taney County61316101111.2724.1329.4718.2719.87
Texas County2916577.7935.0862.3519.3427.2
Vernon County3731314.3933.5614.544.8714.68
Warren County8598324.2815.0826.8823.668.73
Washington County14785755.727.9232.2820.1427.98
Wayne County7212451.9914.857.4515.1430.08
Webster County63175616.418.1145.313.1415.52
Worth County1111048.0548.6448.9249.310
Wright County5513227.1627.365.4916.4210.91

– Traffic Fatalities Rural vs Urban

Generally, there are more fatalities in rural areas than there are in urban areas. This could be because there aren’t as many hospitals and emergency centers in rural areas as there are in more populated places like cities.

Fatalities by Area2008200920102011201220132014201520162017
Rural604562492495474459471497553465
Urban356316329291350298295372394465
Unknown0000200100
Total960878821786826757766870947930

– Fatalities by Person Type

 Person Type20132014201520162017
OccupantsPassenger Car323298332366354
Light Truck - Pickup108124144143131
Light Truck - Utility91102112118143
Light Truck - Van3732333936
Large Truck1919202117
Other/Unknown Occupants2526162416
Total Occupants603601657711700
Light Truck - Other00002
Bus00001
MotorcyclistsTotal Motorcyclists749197128121
NonoccupantsPedestrian73651049696
Bicyclist and Other Cyclist45999
Other/Unknown Nonoccupants34334
Total Nonoccupants8074116108109

– Fatalities by Crash Type

Crash Type20132014201520162017
Total Fatalities (All Crashes)757766870947930
(1) Single Vehicle455437486539512
(2) Involving a Large Truck85100105113111
(3) Involving Speeding308267309328346
(4) Involving a Rollover258259306307280
(5) Involving a Roadway Departure498465481566543
(6) Involving an Intersection (or Intersection Related)130132184193179

– Five-Year Fatality Trend For The Top 10 Counties in Missouri

County Name20132014201520162017
Jackson County72608289111
St. Louis County5053697886
St. Louis City4437506356
St. Charles County1624252737
Jefferson County2236303935
Greene County2823284432
Newton County82661421
Phelps County85131321
Platte County12971321
Clay County1918202019

– Fatalities Involving Speeding by County

County NameFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
Adair County100113.89003.963.94
Andrew County2211211.5611.575.785.7711.39
Atchison County001010018.85018.96
Audrain County111023.913.873.8507.8
Barry County8424022.6411.325.6611.320
Barton County00100008.4500
Bates County000100006.110
Benton County2410010.5621.195.3200
Bollinger County04102032.218.12016.25
Boone County438792.341.744.593.965.05
Buchanan County645126.684.465.61.122.25
Butler County102472.3304.679.3516.41
Caldwell County001200011.122.050
Callaway County2111254.492.2424.614.4411.1
Camden County5338511.296.736.717.7710.96
Cape Girardeau County311243.871.281.282.555.12
Carroll County1010211.04011.26022.74
Carter County2001031.550016.110
Cass County721136.951.980.990.972.89
Cedar County4110029.047.257.2500
Chariton County001200013.1726.560
Christian County353843.726.113.619.514.68
Clark County2000228.9900029.75
Clay County537992.171.292.983.773.71
Clinton County00100004.8600
Cole County0423005.222.63.910
Cooper County3300017.0417.08000
Crawford County120124.088.1304.138.3
Dade County1000213.2700026.36
Dallas County03123018.366.1212.2117.99
Daviess County1002412.050024.2947.84
Dekalb County2001115.830087.94
Dent County121016.3712.826.406.46
Douglas County3000222.3300015.04
Dunklin County4243412.616.3912.989.8213.28
Franklin County12964611.798.835.873.895.81
Gasconade County0117306.756.7847.4620.37
Gentry County0000000000
Greene County11991573.883.153.135.212.42
Grundy County0121009.8319.999.920
Harrison County1100111.4811.590011.73
Henry County111014.534.544.6104.6
Hickory County004120043.1510.6721.11
Holt County002010044.61022.66
Howard County100209.760019.880
Howell County133432.487.487.499.977.48
Iron County0101209.6409.8619.56
Jackson County35214236495.153.076.115.197.01
Jasper County627425.141.75.93.351.66
Jefferson County11171018144.987.664.488.066.26
Johnson County6124311.051.853.737.465.57
Knox County0000000000
Laclede County142712.8111.275.6419.762.82
Lafayette County101333.0503.079.229.19
Lawrence County212245.252.645.265.2310.41
Lewis County0101009.9109.920
Lincoln County281833.7214.761.8314.55.34
Linn County002120016.298.2416.4
Livingston County2030213.45020.09013.18
Macon County0000000000
Madison County02310016.3924.628.180
Maries County1113211.0411.0711.1533.8122.56
Marion County0112103.483.496.983.49
Mcdonald County4024317.6708.8117.5713.14
Mercer County0000000000
Miller County236218.0612.0824.1383.96
Mississippi County2204114.1314.13029.127.36
Moniteau County101216.3506.312.496.23
Monroe County01010011.45011.580
Montgomery County123228.4317.0525.8917.4317.49
Morgan County0253109.9724.9314.934.96
New Madrid County2201210.9110.9605.5911.38
Newton County344595.146.886.888.5915.44
Nodaway County101124.3204.424.458.9
Oregon County120129.1518.4809.3118.94
Osage County102007.32014.7900
Ozark County1100210.5310.610021.77
Pemiscot County130205.6217.07011.690
Perry County101115.2505.245.215.2
Pettis County243034.749.487.0907.05
Phelps County234554.446.678.9311.1511.17
Pike County007120038.045.410.77
Platte County341273.214.221.042.036.92
Polk County310129.643.2103.186.29
Pulaski County212253.71.873.753.89.6
Putnam County0000000000
Ralls County102009.85019.6800
Randolph County200038.0200012.03
Ray County111224.344.364.398.88.75
Reynolds County1230015.4831.2347.6400
Ripley County110237.157.18014.5122.12
Saline County211108.614.34.344.380
Schuyler County2003045.770066.80
Scotland County1001020.440020.370
Scott County220205.15.1505.160
Shannon County2101124.1112.05012.1312.12
Shelby County002010032.78016.61
St. Charles County67113131.61.842.860.773.29
St. Clair County003000031.8900
St. Francois County7554310.597.67.556.024.5
St. Louis City21222033266.596.926.3210.548.42
St. Louis County23182125302.31.82.12.53.01
Ste. Genevieve County133035.5716.7416.84016.81
Stoddard County111123.363.363.363.396.81
Stone County5437315.812.729.5822.29.46
Sullivan County01201015.4531.4016.05
Taney County455347.519.289.215.487.23
Texas County154213.919.4915.597.743.89
Vernon County3111114.394.794.854.874.89
Warren County4331112.149.058.962.962.91
Washington County9302335.8111.9708.0511.99
Wayne County3101122.287.4307.577.52
Webster County117002.742.718.6500
Worth County1110048.0548.6448.9200
Wright County141225.4321.895.4910.9410.91

– Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

In 2017, there were 254 fatalities in Missouri that resulted from drinking and driving.

County NameFatalities
2013
2014201520162017Fatalities
Per 100K
Population
2013
2014201520162017
Adair County0000100003.94
Andrew County110105.785.7905.770
Atchison County0001000018.830
Audrain County0200207.75007.8
Barry County5424114.1511.325.6611.322.8
Barton County0100008.34000
Bates County0100006.05000
Benton County121005.2810.65.3200
Bollinger County0112108.058.1216.398.13
Boone County357821.762.894.014.531.12
Buchanan County323213.342.233.362.241.12
Butler County211224.652.332.334.674.69
Caldwell County001000011.100
Callaway County217124.492.2415.662.224.44
Camden County413359.032.246.76.6710.96
Cape Girardeau County113351.291.283.843.836.4
Carroll County0000000000
Carter County2010031.55015.9300
Cass County710616.950.9905.840.96
Cedar County0100107.25007.11
Chariton County2100026.1613.01000
Christian County131151.243.671.21.195.85
Clark County1001214.50014.8629.75
Clay County535562.171.292.132.092.47
Clinton County0201009.8704.870
Cole County232212.613.912.62.611.3
Cooper County2200011.3611.39000
Crawford County110204.084.0608.250
Dade County00001000013.18
Dallas County02022012.24012.2112
Daviess County1001112.050012.1511.96
Dekalb County2000015.830000
Dent County110006.376.41000
Douglas County110017.447.4007.52
Dunklin County244346.312.7812.989.8213.28
Franklin County865627.865.884.895.841.94
Gasconade County0122206.7513.5613.5613.58
Gentry County0000000000
Greene County618782.120.352.792.432.76
Grundy County00100001000
Harrison County1000211.4800023.46
Henry County0101204.5404.639.21
Hickory County0001200010.6721.11
Holt County001100022.3122.330
Howard County100109.76009.940
Howell County301227.4502.54.984.99
Iron County100109.55009.860
Jackson County27192133393.972.783.064.765.58
Jasper County514244.280.853.371.683.33
Jefferson County898953.624.053.594.032.23
Johnson County9203116.573.6905.591.86
Knox County0000000000
Laclede County121212.815.632.825.652.82
Lafayette County102133.0506.133.079.19
Lawrence County213235.252.647.95.237.81
Lewis County000100009.920
Lincoln County261223.7211.071.833.623.56
Linn County00002000016.4
Livingston County2000113.450006.59
Macon County00101006.5406.56
Madison County0110008.28.2100
Maries County1200211.0422.150022.56
Marion County101103.4803.493.490
Mcdonald County3332313.2513.1413.228.7813.14
Mercer County001110027.3227.3427.19
Miller County8433132.2516.1112.06123.96
Mississippi County100217.060014.567.36
Moniteau County121106.3512.646.36.250
Monroe County01000011.45000
Montgomery County2011016.8708.638.710
Morgan County00211009.974.984.96
New Madrid County132015.4516.4411.0605.69
Newton County261483.4310.321.726.8713.72
Nodaway County120214.328.708.894.45
Oregon County00111009.229.319.47
Osage County0100007.34000
Ozark County1101010.5310.61010.880
Pemiscot County141025.6222.755.74011.89
Perry County121015.2510.465.2405.2
Pettis County242124.749.484.732.374.7
Phelps County214144.442.228.932.238.94
Pike County002100010.875.40
Platte County323573.212.113.115.076.92
Polk County300119.64003.183.15
Pulaski County511219.251.871.883.81.92
Putnam County0000000000
Ralls County100309.850029.330
Randolph County100024.010008.02
Ray County0222108.738.788.84.38
Reynolds County02110031.2315.8815.70
Ripley County2202214.3114.36014.5114.74
Saline County211008.614.34.3400
Schuyler County0003000066.80
Scotland County001010020.77020.15
Scott County321107.665.152.572.580
Shannon County3011136.17012.0812.1312.12
Shelby County0000000000
St. Charles County61177111.62.91.821.792.78
St. Clair County3020031.62021.2600
St. Francois County432326.054.563.024.523
St. Louis City18141623155.654.415.067.344.86
St. Louis County15141821261.51.41.82.12.61
Ste. Genevieve County101155.5705.615.5928.02
Stoddard County203136.71010.093.3910.21
Stone County0123203.186.399.516.31
Sullivan County02000030.9000
Taney County235233.765.579.213.655.42
Texas County03531011.6919.4811.63.89
Vernon County103114.8014.544.874.89
Warren County115313.033.0214.938.872.91
Washington County8121331.833.998.074.0311.99
Wayne County00002000015.04
Webster County204235.47010.665.257.76
Worth County001000048.9200
Wright County111115.435.475.495.475.46

– Teen Drinking and Driving

In 2016, the Missouri under-21 alcohol-impaired fatality rate was above the national average (1.2 deaths per 100k population) at 1.7 deaths per 100k population.

DUI Arrest (Under 18 Years Old)DUI Arrests (Under 18 Years Old) Total Per Million PeopleRank in the U.S.
182131.2313

Missouri is ranked 13th in the U.S. for teenage deaths resulting from under-aged drinking.

– EMS Response Time

EMS response time can make all the difference in a life and death situation. If help arrives minutes too late, or makes a wrong turn on the way to the hospital, the EMS team could lose the person they’re working on.

EMS Response TimeTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatal Crashes
Rural9.1 mins15.05 mins45.41 mins65.15 mins506
Urban4.8 mins7.98 mins25.42 mins36.61 mins366

– Transportation in Missouri

Ever wondered how many cars are on the road in your state?

The average driver in Missouri owns two cars.

– Car Ownership in Missouri

Car Ownership in Missouri

 

– Commute Time

On average, Missouri drivers spend less time commuting (22.5 minutes)  than other drivers in the U.S. (25.5 minutes).

Missouri Commute Time

– Commuter Transportation

Over 80 percent of Missouri commuters drive alone as you can see on the chart below.

Method of Travel in Missouri

– Traffic Congestion in Missouri

According to the 2018 Inrix Global Traffic Scorecard, Kansas City and St. Louis are the two most congested cities in Missouri.

URBAN AREAWorld Rank (2018)HOURS LOST IN CONGESTIONCOST OF CONGESTION (PER DRIVER)
Kansas City, MO19847$659
St Louis, MO20046$638

We hope this guide has been helpful to you, but now it’s time to shop for your own unique car insurance rate.

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