Best Cheap Car Insurance In Missouri 2021 – Forbes Advisor – Forbes

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Updated: Jul 9, 2021, 11:07am
Snagging good car insurance rates in Missouri is easy if you know where to look. We evaluated rates in Missouri from 11 auto insurers to get you pointed in the right direction.
Related: Best car insurance companies
Good drivers definitely deserve cheap Missouri auto insurance, but it requires a little looking. Try quotes from State Farm, Farm Bureau Town & Country and Travelers, which had the best rates for good drivers among the companies we surveyed among companies open to everyone.
If you’re eligible for USAA, check their quotes. USAA is open only to military members and veterans.
If you’ve caused a car accident that injured someone else, expect an average rate increase of about $750. You can still look for the most competitive rates. Try State Farm and Farm Bureau, which had among the lowest Missouri car insurance rates for drivers with an accident, among the companies we surveyed. Military members and veterans should check quotes from USAA.
Expect an auto insurance of several hundred dollars if you get a DUI conviction. State Farm may provide the cheapest rates in this situation, according to our analysis, among companies open to everyone. Military members and veterans should always check quotes from USAA.
Missouri drivers really pay for having poor credit. Average rates increase over $1,100 a year if your credit is poor, and that’s for people who are still good drivers with no accidents or tickets. If you are eligible for USAA, check their quotes. For everyone else, State Farm, Farm Bureau Town & Country and Geico may offer better rates than others.
If a lapse in auto insurance is affecting your Missouri car insurance rates, try State Farm or Farm Bureau. If you’re eligible for USAA insurance, check their quotes for a better deal.
You must buy liability car insurance in Missouri. This is a core coverage that pays for property damage and injuries you cause to others. It also covers your own legal defense if someone sues you because of a car accident. If another driver crashes into you, you can make a claim against their liability car insurance or sue them.
Car owners in Missouri must buy coverage with at least:
This is written as 25/50/10.
But minimum liability car insurance requirements in Missouri are inadequate. If you cause an accident with expensive injuries, the medical expenses could quickly exhaust minimum policy limits and you could be sued for the rest. It’s a good idea to buy enough liability insurance to cover your savings and assets (such as your house).
Missouri also requires uninsured motorist coverage (UM). This insurance type covers medical expenses if someone who doesn’t carry liability insurance crashes into your vehicle. In Missouri you must have UM coverage with at least:
Underinsured motorist coverage (UIM). What happens when someone who crashes into you has insurance but it’s not enough to cover your medical expenses? UIM coverage pays for your medical bills when the at-fault driver’s insurance is exhausted. Generally, this is a good coverage to have.
Medical payments (MedPay). This covers medical expenses for you and your passengers no matter who caused the accident.
Collision and comprehensive coverage. Together, these insurance types cover car theft and the costs of repair after problems like car accidents, vandalism, flood, hail, fires, riots, collisions with animals and falling objects, like tree branches.
Collision and comprehensive coverage are usually required by your lender or leasing company if you have a car loan or lease.
Liability insurance
• $25,000 per person for bodily injury liability
• $50,000 per accident for bodily injury liability
• $10,000 for property damage
• $100,000 per person for bodily injury liability
• $300,000 per accident for bodily injury liability
• $100,000 for property damage
• $250,000 per person for bodily injury liability
• $500,000 per accident for bodily injury liability
• $250,000 for property damage
Uninsured motorist coverage
• $25,000 per person
• $50,000 per accident
• $100,000 per person
• $300,000 per accident
• $250,000 per person
• $500,000 per accident
Underinsured motorist coverage
Not required
• $100,000 per person
• $300,000 per accident
• $250,000 per person
• $500,000 per accident
Medical payments
Not required
Collision coverage
Not required
Comprehensive coverage
Not required

Missouri lets you use a mobile phone to show an auto insurance ID card. If you’re pulled over, you don’t have to hope you have a paper ID card with you. Many auto insurers have mobile apps that include access to auto insurance IDs.
In addition to driving record, past claims and vehicle type, car insurance companies in Missouri can use these factors when setting a customer’s rates.
Education & occupation
Marital status
ZIP code
Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.

About 14% of Missouri drivers have no auto insurance, according to the Insurance Research Council. That’s why it’s good to have your own insurance for covering problems they create, including MedPay, collision insurance and/or uninsured motorist coverage.
If you get caught driving in Missouri without car insurance, you could have points assessed against your driving record and your driving privileges suspended.
If your car is badly damaged by a problem like an accident or flood, a car insurance company in Missouri can declare your car a total loss when the damage exceeds 80% of the fair market value and the car is no more than six years old (based on the manufacturer’s model year).
The Division of Consumer Affairs within the Missouri Department of Commerce and Insurance (DCI) is responsible for monitoring insurance companies and taking consumer complaints. If you have an unresolved issue with a car insurance company, you can file a complaint.
To find the cheapest auto insurance companies in Missouri, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean record insuring a Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and comprehensive with a $500 deductible.
The companies evaluated for Missouri were Automobile Club of Missouri, Allstate, Cameron Mutual, Farm Bureau Town & Country, Farmers, Geico, Progressive, Shelter, State Farm, Travelers and USAA.
Jason Metz is a writer who has worked in the insurance industry since 2007. As a former claims handler and fraud investigator, he’s seen a lot, and enjoys helping others navigate the complexities and opaqueness of insurance. He has a B.S. in Criminal Justice from Kutztown University and an M.F.A. in Creative Writing from the University of California Riverside, Palm Desert.


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