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Cheap Car Insurance in Missouri

missouri car insuranceLooking for Missouri automobile insurance? If you live in Kansas City, Saint Louis, Springfield, Independence, or Columbia, you can acquire up to ten rate quotes from major providers near you with Rates vary by insurer and you should compare rates carefully before you buy a policy. We’ll enable you to get the coverage to meet your needs.

Missouri Auto Insurance – Average Premiums

State average rates for vehicle insurance in Missouri fall right around $84 monthly for most drivers. Fortunately, there are some cheaper areas, such as Columbia, where averages can dip down to $65 or lower each month. However, there are also places like St. Louis where the average rates can climb as high as $98/month.

Average Auto Insurance Costs in Missouri Legend: Major City Columbia Independence Kansas City Springfield St. Louis State Average 10 20 30 40 50 60 70 80 90 $65 $75 $89 $94 $98 $84


Important Missouri Auto Insurance Laws and Requirements

There aren’t any requirements to purchase no-fault insurance, which makes it easier to find cheap Missouri car insurance. They do, however, require UM/UIM coverage to protect against accidents with uninsured or underinsured motorists. Liability is of course required, and the specific amounts can be found in the table below:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 10,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 25,000/50,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Choosing the Right Amount of Missouri Car Insurance Coverage

Unlike some other states, Missouri requires Uninsured Motorist coverage which protects drivers from underinsured motorists, motorists with no insurance at all, or from hit-and-run accidents. But there are also optional types of coverage, such as Comprehensive, which can protect you from theft or vandalism.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Columbia Independence Kansas City Springfield St. Louis State Average 15 30 45 60 75 90 105 120 135 $33 $98 $41 $109 $45 $133 $36 $98 $50 $146 $41 $117


Missouri DUI Laws

If you are convicted of your first DUI offense, you may face the following penalties: a 6 month prison sentence; a fine of up to $500; your license may be fully suspended for 30 days and undergo a restricted suspension for an additional 60 days; you will have to pay a $45 license reinstatement fee; you will be required to purchase SR-22 insurance; and you might have to install an ignition interlock device on your automobile.

Not every driver is required to file an SR-22. These are for special cases when motorists are convicted of serious driving violations. These include causing an accident while driving without insurance, being convicted of a DUI, or operating a motor vehicle without proof of insurance. In Missouri, you will need to file an SR-22 in order to have your driver’s license reinstated.

DUI Car Insurance Costs in Missouri Legend: Clean Record DUI Violation Columbia Independence Kansas City Springfield St. Louis State Average 10 20 30 40 50 60 70 80 $33 $58 $41 $74 $45 $82 $36 $62 $50 $89 $41 $73


Age Limit Laws

You only have to be 15 years old in order to apply for a learner stage permit in the state of Missouri. You must maintain that permit in good standing for at least six months, gain 40 hours of supervised driving, and 10 hours of supervised night driving before moving to the next level. At the age of 16, you can then apply for an intermediate permit, which restricts novice drivers from being on the road between 1 and 5 AM. For the first 6 months of your intermediate permit, you cannot drive with more than 1 non-family passenger under the age of 19; after that, the passenger restriction raises to 3. At the age of 18, Missouri teens can apply for a full driver license.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Columbia Independence Kansas City Springfield St. Louis State Average 20 40 60 80 100 120 140 160 180 200 $142 $179 $196 $148 $210 $175


Credit Score Laws and Regulations

If you have a poor credit score in Missouri, you could end up paying an 87% higher rate than what a driver with a good or excellent credit score would pay. And while that seems like a very high number, that’s actually good news. In most states, that discrepancy is usually much higher.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Columbia Independence Kansas City Springfield St. Louis State Average 10 20 30 40 50 60 70 80 $28 $52 $36 $66 $39 $72 $31 $57 $43 $80 $35 $65


Insuring your Vehicle in Missouri

This might sound unusual, but your insurance policy actually covers your vehicle more so than it covers you, the driver. That’s why your insurance company asks questions like the make/model of your vehicle during the policy underwriting process.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Columbia Independence Kansas City Springfield St. Louis State Average 15 30 45 60 75 90 105 120 135 150 165 $33 $119 $41 $128 $45 $159 $36 $115 $50 $173 $41 $139


Additional Missouri Auto Insurance Laws and Requirements

Everything we’ve discussed so far may seem like a lot of information. But even beyond things like where you live, or what vehicle you drive, there are additional traffic laws which can have an influence on your rates if you aren’t careful:

Highway Safety Laws

For better or for worse, the state of Missouri doesn’t have any laws right now that charge motorists with aggressive driving if they happen to be caught driving aggressively. Obviously, things like running red lights or stop signs are still not legal, but committing such dangerous acts while driving will not result in an extra charge of aggressive driving.

Aggressive Driving No state law
Cell Phones and Texting Laws Primary Texting Ban (Novice Drivers <21
Inc. Penalty for High BAC BAC 0.15
Admin. License Susp. on 1st Offense 90 days

Speed Limits and Cell Phone Use

It is a proven fact that talking on a cell phone while driving can increase your likelihood of getting into an accident by four-fold. And there is even further documentation to prove that texting while driving makes a deadly accident even more likely than that. However, despite these facts, the only law in Missouri with regard to cell phone use prohibits texting while driving for novice drivers under the age of 21. Fortunately, though, this is a primary level offense.

Rural Interstate 70 mph
Urban Interstate 60 mph
Other Limited-Access 65 mph

Important Missouri Contacts

Missouri Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Missouri Website

Missouri Department of Insurance

How to contact directly:

Missouri Dept. of Insurance
P.O. Box 690
Jefferson City, MO 65102
Phone: 573-751-4126

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