Best Car Insurance Rates In The Great State of Missouri

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Compare Auto Insurance Quotes in Missouri to Get the Best Rates

Compare Auto Insurance Quotes in Missouri to Get the Best Rates

Missouri is the “Show Me State”. Here at QuoteWizard, we've compiled useful insurance information from industry and government sources to show you how to save money on car insurance in Missouri.

This page will show you which types of coverage are legally required in Missouri, inform you about important insurance laws, and provide you with both information about the cost of driving, and some insights about insurance risk in Missouri, all to help protect you and your family.

Average Missouri Car Insurance Rates

Drivers in Missouri are being rewarded for their safe driving habits. The average cost of car insurance here is much cheaper than what many Americans pay.

The average cost of auto insurance in Missouri is $724.15 per year. The national annual average cost of auto coverage is $866.31.

Missouri Average Annual Car Insurance Rates
Coverage Rates
Liability $406.67
Collision $263.02
Comprehensive $175.70
Total Cost Per Year $724.15
Price Per Month $60.34

Shopping around and comparing auto insurance quotes is important, but who has the time and energy for it? Well, if you use QuoteWizard, you won’t have to worry about either of those things.

That’s because we'll will connect you to multiple companies that serve Missouri drivers so you can compare car insurance rates and get coverage that fits your needs.

Last year, 61,574 people used QuoteWizard to compare quotes from top companies and find the cheapest car insurance rates in Missouri.

Top 10 Vehicles in Missouri

These are the most common vehicles owned by Missouri drivers requesting car insurance quotes through QuoteWizard in the past year.

  1. Ford F150
  2. Chevrolet Silverado
  3. Ford Taurus
  4. Ford Ranger
  5. Chevrolet Blazer
  6. Chevrolet Cavalier
  7. Chevrolet Impala
  8. Ford Escape
  9. Explorer
  10. Ford Ranger
  11. Dodge RAM
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Missouri Car Insurance Companies

Last year, these were the most common car insurance companies reported by QuoteWizard users living in the state of Missouri. Out of the 61,574 Missouri drivers that used QuoteWizard to request insurance quotes last year, 9,461 had no car insurance.

Missouri State Auto Insurance Laws

Car Insurance Minimum Coverage

Think you are ready to hop behind the wheel and hit the Missouri streets? Make sure that if you have a vehicle registered in the state, that it retains the legally required levels of insurance. In the state of Missouri, those levels are referred to as the 25/50/10 rule. This means you must have the following elements of a policy purchased for your car:

  • $25,000 of protection for bodily injury or death of an individual in any single accident
  • $50,000 of protection for injury or death of all individuals in any single accident
  • $10,000 of protection for injury or destruction of property of others in any single accident

Make sure that whatever policy you buy contains at least these elements and you will be safe in the eyes of the law, if not on the road.

Required Proof of Car Insurance

You wouldn’t leave your house without your driver's license, and you absolutely shouldn’t leave without your proof of insurance either. Missouri law enforcement officers have the right to request proof of insurance, and if they do you must provide it. This typically comes if the form of a card issued by your provider, and it must include the following information:

  • Name of the insurance company
  • Policy number
  • Effective date of the policy
  • Expiration date of the policy
  • Description of the year, make, and/or model of the insured vehicles, or the name of the driver

Driver Point System

Missouri uses a unique driver point system. Different infractions carry different weight, and points accumulate as you commit those infractions. If a driver accumulates 8 or more points in 18 months, driving privileges will be suspended for 30 days for a first offense.

More serious infractions and point totals can result in a driver's license being revoked for 1 year, and require the driver to re-take the driver's test. Below are the point infractions that will result in a revoked license.

  • 12 or more points in 12 months
  • 18 or more points in 24 months
  • 24 or more points in 36 months

After having your license revoked or suspended, all drivers start their reinstated records with 4 points. It takes one full year to begin to remove points, and they are removed as follows:

  • 1 year - total points cut by one-third
  • 2 years - remaining points cut by one-half
  • 3 years - Points reset to zero

Penalties

If you are found operating a vehicle in Missouri without proof of insurance, law enforcement will issue you a ticket for “failure to provide proof of insurance”. After that there three potential steps that may be taken against the driver.

First, four points will be assigned to his or her record. Second, the court will alert the Vehicle Bureau to ensure that the driver will maintain insurance for 3 years. Finally, a suspension of the license will be placed. In order to lift a suspension proof of insurance must be shown and a fee must be paid. It is $20 for your first suspension, $200 for a second suspension, and $400 for any subsequent suspension that occurs.

Missouri drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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SR-22 Requirements

Missouri drivers who have large numbers of points on their records, have been issued DUIs, or caught driving without insurance must file an SR-22. This is a form from your insurance company that shows your vehicle has the state required liability insurance.

In most cases, an SR-22 must be carried on your record for two years, but for drivers who were convicted of false insurance coverage are required to carry an SR-22 for three years.

State of Missouri Traffic Safety Laws

Distracted Driver Laws

In order to help prevent accidents caused by drivers making calls or attempting to text on their phone, Missouri has implemented a statewide ban on texting for any novice drivers and/or drivers under the age of 18.

Implied Consent Law

Missouri’s Implied Consent law requires that any driver submit to testing to determine the alcohol or drug content of their blood, breath, or urine when arrested by law enforcement for suspicion of driving under the influence (DUI). Refuse the test and you’ll face the following penalties in addition to the penalties for a DUI:

  • First Offense: 1-year driver's license revocation
  • Second Offense: 1-year driver's license revocation. Mandatory installation of ignition-interlock device
  • Third Offense: 1-year driver's license revocation. Mandatory installation of ignition-interlock device

DUI Law

If you drive or operate a motor vehicle in the Missouri with a Blood Alcohol Content (BAC) of 0.08% or higher, you are guilty of Driving While Under the Influence (DUI).

Booster Seat Law

All young passengers must be secured in an approved child safety seat when driving in Missouri. Children under the age of 4, or weighing less than 40 pounds, must be secured in an approved child safety seat. Any child age 4 - 7, who is also between 40 - 80 pounds, and under 4 feet 9 inches tall, must be secured in either a child safety seat or a booster seat. Children age 8 and over, or weighing at least 80 pounds, or who are at least 4 feet 9 inches tall are required to be secured by a safety belt, or buckled into an appropriate booster seat.

The fine for violating this law is $50, but is downsized to $10 for any passenger over 80 pounds or taller than 4 feet 9 inches.

Graduated Driver’s License Program

Missouri has implemented a 3-tier graduated driver's license program beginning with a learner's permit and ending with full driving privileges once all conditions are met. At the age of fifteen and a half years old, Missouri residents can get a learner's permit. Before they can go from a learner's permit to a license, they must wait 6 months and accrue a minimum of 40 hours of supervised driving, 10 hours of which must be at night.

At the age of 16 they are able to take a test and if they pass they will receive a provisional license. They will now be able to drive without supervision. There is still a restriction on when they can drive, however. They are not allowed to drive between the hours of 1 a.m. and 5 a.m. They are also unable to have passengers under the age of 18 for their first six months of driving with a provisional license. After that, the passenger restriction is lifted.

The driving hour restriction is lifted and full driving privileges are granted once a driver turns 18.

Senior Drivers

Every Missouri driver is required by law to renew their license every 6 years. For any driver over the age of 70 the renewal window is cut in half, with the renewal period being every 3 years.

The Cost of Driving in Missouri

Average Missouri Car Insurance Rates

The average cost of car insurance in Missouri in 2014, the most recent year for which data was available, was $724.15, much lower than the national average of $866.31. Missouri is ranked as the 36th most expensive state for car insurance.

Fuel Taxes

The Federal government taxes fuel at a rate of 18.4 cents per gallon for regular gasoline, and 24.4 cents per gallon of diesel. Missouri adds on a state tax of 17.3 cents per gallon for both unleaded and diesel.

That’s a total of 35.7 cents in taxes per unleaded gallon, and 41.7 cents in taxes per diesel gallon.

Car Insurance Risk in Missouri

Uninsured Motorists

In 2012 it was estimated that 13.5% of all drivers on Missouri roads had no car insurance. This number is well above the national average of 12.6% and ranks Missouri 18th in the nation for uninsured motorists.

Traffic Fatalities

In 2014, 766 traffic-related fatalities were recorded in the state of Missouri. This was only a 1% increase from 2013, which saw 757 deaths on the road.

Vehicle Thefts in Missouri

Missouri experienced 16,357vehicle thefts in 2014, almost identical to 2013 which saw 16,44 thefts. Missouri sits squarely at 269.8 thefts per 100,000 cars. This is above the national average, which is 216.2 thefts per 100,000 cars.

Top 10 Most Stolen Vehicles in Missouri

Is your car a target for theft? Check out the list below for the 10 most stolen cars in Missouri.

Source: National Insurance Crime Bureau - Hot Wheels Report 2014

  1. 2006 Ford Pick-Up (Full Size)
  2. 1998 Chevrolet Pick-Up (Small Size)
  3. 2004 Chevrolet Pick-Up (Full Size)
  4. 2002 Dodge Caravan
  5. 1999 Dodge Pick-Up (Full Size)
  6. 2001 Jeep Cherokee/Grand Cherokee
  7. 2004 Chevrolet Impala
  8. 1993 GMC Pick-Up (Full Size)
  9. 1997 Honda Accord
  10. 1999 Ford Taurus

2014 Missouri Auto Insurance Market Share

Source: Missouri Department of Insurance
Rank Market Share Company
1 12.29% American Family
2 5.3% Shelter Mutual
3 4.9% Farmers
4 4.87% Automobile Club
5 4.64% Safeco Insurance
6 3.97% Geico
7 3.26% Progressive Casualty Insurance
8 2.39% Progressive Advanced
9 2.11% Farm Bureau

Missouri Department of Insurance

http://insurance.mo.gov/

Director:
John M. Huff
Phone:
(573) 751-4126
Mailing Address:
Truman State Office Building
Room 530
P.O. Box 690
Jefferson City, MO 65102

Consumer Services

Hours:
Monday - Friday
8:00 am - 5:00 pm (EST)
Consumer Hotline:
800-726-7390

File an Insurance Complaint

Online Consumer Complaint Form

Sources:

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