Comprehensive Guide to Auto Insurance Quotes in Missouri

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State Liability Requirements for Missouri

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: 25/50

State Minimum Car Insurance Requirements in Missouri

Understanding the state’s minimum auto liability limits is crucial. In Missouri, drivers are required to carry liability insurance that covers at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. Compliance with these minimums ensures financial responsibility in case of an accident. Here’s a chart detailing the state’s minimum requirements:

Insurance CompanyAnnual PremiumMonthly Premium
Progressive$600$50
Dairyland$650$54
Gainsco$700$58
Assurance America$620$52
National General$630$53
The General$610$51

Please note that these figures are estimates and may vary based on individual factors. This table provides a comparison of estimated annual and monthly premiums from different insurance carriers. If you have any further requests or need additional information, please let me know.

Least Expensive Sr22 Car Insurance in Missouri

Discover cost-effective SR22 car insurance options in Missouri. We’ll guide you through the process of finding the most affordable SR22 insurance tailored to your needs. Get started today!

Insurance CompanyEstimated Monthly Rate ($)Estimated Annual Rate ($)
Progressive$100$1200
State Farm$110$1320
Allstate$120$1440

Please note that these figures are approximate and can vary based on various factors like driving history, age, and vehicle type. Comparing quotes directly from these carriers will help you get accurate pricing for SR22 insurance in Missouri.

Top Car Insurance Discounts in Missouri

When it comes to finding the best car insurance rates in Missouri, understanding the available discounts can make a significant difference. In the Show-Me State, you have access to a variety of car insurance discounts that can help you save money while ensuring you have the coverage you need.

Some of the top car insurance discounts in Missouri include

  • safe driver discounts
  • good student discounts
  • multi-policy discounts
  • discounts for anti-theft devices.

These discounts can add up, resulting in substantial savings on your auto insurance premiums. To get the best rates and take advantage of these discounts, it’s essential to compare quotes from different insurance carriers in Missouri.

Paragraph 2: To provide you with a better idea of potential savings, here’s a comparison of estimated annual premiums for car insurance with some of the leading insurance carriers in Missouri. Keep in mind that these figures are approximate and may vary based on individual factors such as your driving history and location.

Insurance CompanyAnnual PremiumMonthly Premium
Progressive$800$67
Dairyland$820$68
Gainsco$850$71
Assurance America$790$66
National General$810$68
The General$820$68

These estimates give you a starting point to consider when shopping for car insurance discounts in Missouri. Remember that working with an auto insurance brokerage like us can help you navigate these options and find the best coverage at the most competitive rates.

If you’d like further information or have any specific questions, please feel free to ask.

Best Liability Only Auto Insurance Rates in Missouri

Looking for the best liability-only auto insurance rates in Missouri? We’ve got you covered. Explore competitive rates that meet the state’s minimum requirements without compromising on quality coverage.

Here’s a comparison table of estimated rates for liability-only auto insurance from Progressive, State Farm, and Allstate in Missouri:

Insurance CompanyEstimated Monthly Rate ($)Estimated Annual Rate ($)
Progressive$80$960
State Farm$90$1080
Allstate$85$1020

Remember, these figures are approximations and may vary based on individual circumstances. Getting personalized quotes from these carriers will provide accurate pricing for liability-only auto insurance in Missouri.

Car Insurance Rating Factors in Missouri

When it comes to determining your car insurance rates in Missouri, several key factors come into play. Understanding these rating factors can help you make informed decisions and potentially save on your auto insurance premiums. Here are some of the primary rating factors that insurance companies consider in Missouri:

  1. Driving Record: Your driving history plays a significant role in determining your car insurance rates. A clean driving record with no accidents or traffic violations typically leads to lower premiums.
  2. Vehicle Type: The make and model of your vehicle can affect your insurance rates. Generally, more expensive or high-performance cars may have higher premiums.
  3. Coverage Level: The level of coverage you choose, whether it’s liability-only or full coverage, impacts your rates. Full coverage tends to be more expensive but provides broader protection.
  4. Location: Your location in Missouri can influence your rates. Urban areas may have higher premiums due to increased traffic and potential risks.
  5. Credit Score: In some cases, your credit score can affect your car insurance rates. Maintaining a good credit score can help you secure lower premiums.
  6. Age and Gender: Younger drivers and males often face higher insurance rates due to statistical risk factors.
  7. Marital Status: Married individuals may be eligible for discounts compared to single drivers.
  8. Annual Mileage: The number of miles you drive annually can impact your rates. Less time on the road may result in lower premiums.
  9. Insurance History: Your insurance history, including prior coverage and lapses, can affect your rates.

To give you an idea of how these factors can influence your car insurance rates, here’s a comparison of estimated annual premiums for different driver profiles in Missouri. Keep in mind that these figures are approximate and may vary based on individual circumstances.

Driver ProfileAnnual PremiumMonthly Premium
Safe Driver$800$67
Young Driver$1,200$100
Full Coverage$1,000$83

Understanding these rating factors can help you navigate the car insurance landscape in Missouri and make choices that suit your needs and budget.

If you’d like more detailed information or have specific questions, please feel free to reach out.

Most Affordable Broadform/NonOwners Car Insurance in Missouri

Explore the most affordable options for broadform/non-owners car insurance in Missouri. Whether you need non-owners coverage or a broadform policy, we’ll help you find budget-friendly solutions.

Here’s a comparative table showcasing estimated rates for broad form/non-owner’s car insurance from major carriers in Missouri:

Insurance CompanyEstimated Monthly Rate ($)Estimated Annual Rate ($)
Progressive$60$720
GEICO$65$780
State Farm$70$840

Please note that these rates are approximations and can differ based on personal circumstances. For precise pricing, it’s advisable to seek individual quotes from these insurance carriers.

Cheapest Car Insurance With Good Credit in Missouri

If you have a good credit score, you’re in a favorable position to secure some of the most affordable car insurance rates in Missouri. Insurance companies often view individuals with good credit as responsible and less risky, which can translate into lower premiums for you. With good credit, you have the opportunity to access comprehensive coverage without breaking the bank.

To give you an idea of the potential savings, here’s a comparison of estimated annual premiums for car insurance in Missouri based on credit scores. Keep in mind that these figures are approximate and may vary based on individual circumstances.

Credit Score RangeAnnual PremiumMonthly Premium
Excellent (800+)$800$67
Good (700-799)$900$75
Fair (600-699)$1,100$92

Maintaining good credit not only benefits your financial well-being but also helps you secure affordable car insurance rates in Missouri. If you have questions or need assistance in finding the best insurance options tailored to your credit score, don’t hesitate to reach out to us.

Feel free to explore the various insurance carriers we work with, such as Progressive, Dairyland, Gainsco, Assurance America, National General (an Allstate subsidiary), The General, Bristol West, Mendota, Suncoast, and Falcon, to find the most competitive rates for your situation.

How DUIs/Violations Tickets Affect Car Insurance in Missouri

DUIs or serious violations can significantly affect your car insurance rates in Missouri. For instance, a DUI conviction can elevate your premiums by around $1,500 to $2,500 annually. Reckless driving charges or multiple violations can also spike rates, often adding $800 to $1,200 extra per year. Insurance companies like Progressive, State Farm, and Allstate tend to increase rates for such violations, reflecting the heightened risk they associate with these incidents.”

Table of Estimated Annual Rate Increase:

Violation TypeEstimated Annual Increase ($)
DUI Conviction$1,500 – $2,500
Reckless Driving$800 – $1,200
Multiple Violations$800 – $1,200

This information offers a clear insight into the potential increases in insurance rates following DUIs or violations in Missouri.

Cheapest Full Coverage Car Insurance in Missouri

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2024 Insurance quotes in Missouri

When it comes to securing comprehensive protection for your vehicle in Missouri, you’ll want to explore the options for the cheapest full coverage car insurance. Full coverage typically includes liability, collision, and comprehensive coverage, offering you robust protection on the road. To help you navigate the world of insurance and find the most affordable full coverage, we’ve prepared a comparison chart with estimated annual premiums from some of the insurance companies we work with:

Insurance CompanyAnnual PremiumMonthly Premium
Progressive$1,200$100
Dairyland$1,350$113
Gainsco$1,400$117
Assurance America$1,250$104

These figures are approximate and can vary based on factors such as your driving history, location, and vehicle type. Remember, as an auto insurance brokerage, we’re here to assist you in finding the best full coverage insurance that suits your needs and budget. Feel free to reach out to us for personalized guidance and quotes.

Whether you’re a safe driver or have some violations on your record, we’ll work with you to find the most competitive rates from our partner insurance companies, including Progressive, Dairyland, Gainsco, Assurance America, National General (an Allstate subsidiary), The General, Bristol West, Mendota, Suncoast, and Falcon.

How to Save Money on Homeowners Insurance in Missouri

When it comes to homeowners insurance in Missouri, finding ways to save money without sacrificing coverage is essential. Here are some practical tips to help you get the most out of your homeowners insurance while keeping your premiums in check:

  1. Bundle Your Policies: One effective way to save on homeowners insurance is to bundle it with your auto insurance. Combining policies with the same insurance carrier often results in a significant discount. Since we work with a range of insurance companies, we can help you find the best bundle that suits your needs.
  2. Improve Home Security: Making your home more secure can lead to lower insurance premiums. Consider installing security systems, smoke detectors, and deadbolt locks. These safety measures not only protect your home but also demonstrate to insurers that you’re taking precautions.
  3. Raise Your Deductible: Adjusting your deductible can impact your premium. By opting for a higher deductible, you can lower your monthly payments. However, be sure to choose a deductible that you can comfortably afford in case of a claim.
  4. Maintain Good Credit: Your credit score can affect your homeowners insurance rates. Maintaining good credit can lead to lower premiums. Ensure you manage your finances responsibly to enjoy these benefits.
  5. Review Your Coverage Regularly: As life circumstances change, so do your insurance needs. Periodically review your homeowners insurance policy to ensure it aligns with your current situation. Our team is here to help you make necessary adjustments and find the most cost-effective options.

By following these tips and leveraging our expertise, you can make informed decisions about your homeowners insurance in Missouri, ultimately saving money while maintaining valuable coverage. If you have any questions or need personalized guidance, don’t hesitate to reach out to us. We’re here to assist you in securing the best insurance solutions.

Top Rating Factors for Home Insurance in Missouri

Understanding the key factors influencing homeowners insurance rates in Missouri is vital for protecting your home. Factors like the location of your home heavily influence rates; areas prone to natural disasters or high crime rates tend to have higher premiums. Home value and construction, including the materials used and the home’s age, also impact rates significantly. Insurance carriers like Farmers Insurance, State Farm, and Liberty Mutual consider these factors when determining your homeowners insurance rates.

Top Rating Factors for Home Insurance in Missouri:

  1. Location: High-risk areas may lead to increased premiums.
  2. Home Value & Construction: Property value, age, and materials impact rates.
  3. Insurance Carrier: Rates vary between insurance companies based on coverage and risk assessment.

Understanding these factors allows homeowners to make informed decisions when securing their homes with suitable insurance coverage.

Best Motorcycle Insurance in Missouri

When it comes to finding the best motorcycle insurance in Missouri, you want coverage that not only protects you but also fits your budget. Here’s how you can navigate the options and make an informed choice:

  1. Evaluate Your Needs: To find the best motorcycle insurance, start by assessing your specific needs. Consider factors like the type of bike you own, your riding habits, and the coverage you require. Are you looking for comprehensive coverage, liability-only, or something in between? By understanding your needs, you can narrow down your options.
  2. Compare Quotes: Don’t settle for the first motorcycle insurance quote you receive. Our brokerage works with multiple insurance carriers, including Progressive, Dairyland, Gainsco, and more. We can provide you with quotes from various insurers, allowing you to compare rates and coverage options. This ensures you get the best value for your money.
  3. Consider Discounts: Many insurance companies offer discounts that can significantly reduce your premiums. These may include safe rider discounts, multi-policy discounts, and more. Our team can help you explore these opportunities to save on your motorcycle insurance.
  4. Review Customer Feedback: Before making a decision, take the time to read reviews and testimonials from other riders. Their experiences can provide valuable insights into an insurer’s customer service, claims process, and overall satisfaction.
  5. Expert Guidance: As licensed insurance agents, we are here to provide expert guidance. We understand the unique challenges and requirements of motorcycle insurance in Missouri. Feel free to reach out for personalized assistance in securing the best coverage for your motorcycle.

By following these steps and leveraging our expertise, you can confidently choose the best motorcycle insurance in Missouri that meets your needs and budget. If you have any questions or need assistance, don’t hesitate to contact us. We’re here to help you ride with confidence and peace of mind.

Insurance CompanyAnnual Premium (Full Coverage)Annual Premium (Liability Only)Discounts Available
Progressive$600$300Safe Rider, Multi-Policy, Bundle
Dairyland$550$280Safe Rider, Multi-Policy
Gainsco$650$320Safe Rider, Multi-Policy
Allstate (National General)$700$350Safe Rider, Multi-Policy
The General$680$340Safe Rider, Multi-Policy
Bristol West$620$310Safe Rider, Multi-Policy, Homeowners
Mendota$600$300Safe Rider, Multi-Policy
Suncoast$580$290Safe Rider, Multi-Policy, Homeowners
Falcon$670$335Safe Rider, Multi-Policy

These rates are indicative and may vary based on individual circumstances and coverage choices. It’s essential to reach out to our brokerage for personalized quotes tailored to your specific needs and to explore available discounts that can help you save on your motorcycle insurance.

Business Liability Insurance in Missouri

Business Liability Insurance in Missouri shields your business from financial risks arising from lawsuits due to property damage, injury claims, or advertising mistakes. Coverage varies based on business size and industry. For instance, General Liability Insurance covers common risks, while Professional Liability Insurance protects against errors in professional services. Insurance carriers like Travelers, The Hartford, and Nationwide offer tailored plans with varying coverage limits and premiums.”

Business Liability Insurance in Missouri:

  • General Liability: Protects against common business risks.
  • Professional Liability: Safeguards against errors in professional services.
  • Insurance Carriers: Companies like Travelers, The Hartford, and Nationwide provide tailored coverage options.

Understanding the nuances of Business Liability Insurance aids in selecting the right coverage that aligns with your business needs and mitigates potential risks.

Explore Missouri’s Top Cities

Missouri’s diverse cities impact auto insurance rates due to various factors like population density, traffic congestion, crime rates, and even weather patterns. Understanding how these factors influence insurance costs in specific cities can assist in making informed decisions about coverage. Here’s a comprehensive list of the top 50 cities in Missouri, highlighting how certain city-specific characteristics might affect auto insurance rates.

  1. Kansas City: Higher population density may result in increased traffic and higher rates.
  2. St. Louis: Urban setting and higher crime rates may lead to elevated insurance costs.
  3. Springfield: Moderate-sized city with comparatively lower traffic congestion and moderate rates.
  4. Columbia: Being a college town might influence rates due to younger drivers.
  5. Independence: Traffic patterns and crime rates could impact insurance premiums.
  6. Lee’s Summit: Suburban setting may affect rates positively compared to larger cities.
  7. O’Fallon: Growing city with moderate rates owing to a balance of factors.
  8. St. Joseph: Population size and traffic conditions might affect insurance costs.
  9. St. Charles: Urban-suburban mix may have varying insurance rates based on location.
  10. Blue Springs: Population density and traffic flow could impact insurance premiums.
  11. Florissant: Urban-suburban area; moderate traffic, crime rates may affect insurance costs.
  12. Joplin: Lower population density; may have lower insurance rates due to fewer accidents.
  13. Chesterfield: Affluent suburban area; lower crime rates might positively influence premiums.
  14. Jefferson City: State capital; traffic patterns and government presence may impact rates.
  15. Wentzville: Growing city; increasing population might affect insurance pricing.
  16. Cape Girardeau: Moderate-sized town; moderate rates due to lower traffic density.
  17. Wildwood: Suburban area; lower crime rates might contribute to lower premiums.
  18. University City: College town; younger drivers might influence insurance costs.
  19. Liberty: Growing suburban area; rates might vary based on specific neighborhoods.
  20. Ballwin: Suburban community; various factors might affect insurance rates.
  21. Raytown: Urban-suburban mix; rates might fluctuate due to traffic and crime.
  22. Mehlville: Residential area; lower traffic may impact insurance pricing.
  23. Kirkwood: Suburban area; might have moderate insurance rates.
  24. Gladstone: Urban-suburban blend; various factors might influence premiums.
  25. Hazelwood: Urban area; factors like traffic density might impact insurance costs.
  26. Maryland Heights: Diverse community; varying factors can influence rates.
  27. Grandview: Suburban area; proximity to urban centers might affect insurance.
  28. Belton: Residential town; rates might differ based on local factors.
  29. Webster Groves: Suburban locale; various elements could impact insurance pricing.
  30. Nixa: Smaller town; moderate rates due to lower traffic and population density.
  31. Ferguson: Urban area; previous incidents might influence local insurance rates.
  32. Arnold: Residential suburb; varying factors can affect insurance pricing.
  33. Spanish Lake: Urban-suburban blend; local demographics might influence rates.
  34. Sedalia: Smaller town; lower population density might affect insurance costs.
  35. Rolla: College town; younger drivers might influence insurance premiums.
  36. Warrensburg: College town; student population might impact insurance rates.
  37. Manchester: Suburban area; varying factors can influence insurance costs.
  38. Creve Coeur: Affluent suburb; lower crime rates might positively impact premiums.
  39. Hannibal: Historic town; various local factors can affect insurance rates.
  40. Fulton: Smaller town; lower traffic density might affect insurance costs.
  41. Smithville: Residential area; local demographics can impact insurance pricing.
  42. Lake St. Louis: Suburban community; factors like crime rates can influence rates.
  43. Washington: Smaller town; moderate rates due to lower traffic density.
  44. Jackson: Residential town; various local factors can affect insurance pricing.
  45. Grain Valley: Suburban area; local traffic patterns might impact rates.
  46. Republic: Growing town; changes in population might influence insurance costs.
  47. Lebanon: Small town; local factors might affect insurance rates.
  48. Bolivar: Smaller town; lower population density might affect rates.
  49. Boonville: Historical town; local incidents may impact insurance costs.
  50. Excelsior Springs: Residential town; local factors can affect insurance pricing.

Top models known for their lower insurance costs:

Certain cars are cheaper to insure due to factors like safety ratings, repair costs, theft rates, and overall risk. Vehicles with advanced safety features, good crash-test ratings, and lower repair expenses tend to have lower insurance premiums. Additionally, cars less prone to theft or with moderate engine power often come with cheaper insurance rates.

Honda CR-V
Subaru Outback
Ford Escape
Jeep Wrangler
Toyota RAV4
Chevrolet Equinox

WORST CARS known for their higher insurance costs

Certain cars command higher insurance premiums due to factors like high repair costs, increased theft rates, powerful engines, and elevated accident risks. These vehicles often include luxury cars, high-performance models, and some electric vehicles, contributing to pricier insurance rates.

Mercedes-Benz S-Class
BMW M4
Audi R8
Tesla Model S
Dodge Charger Hellcat
Ford Mustang Shelby GT500

Frequently Asked Questions about Insurance Quotes in Missouri


Q1: How can I get insurance quotes in Missouri?

You can easily get insurance quotes in Missouri by contacting our experienced insurance agents. Simply give us a call at 1.888.445.2793, and our team will assist you in finding the best insurance coverage for your needs.

Q2: What types of insurance policies do you offer in Missouri?

We offer a wide range of insurance policies in Missouri, including auto insurance, home insurance, motorcycle insurance, and more. Our experienced agents can provide you with quotes and guidance for all your insurance needs.

Q3: Are there any discounts available for insurance in Missouri?

Yes, there are various discounts available for insurance in Missouri. These discounts may include safe driver discounts, multi-policy discounts, and more. To explore the discounts and find the best rates, reach out to our team at 1.888.445.2793.

Q4: Who has the cheapest car insurance rates in Missouri?

Finding the cheapest car insurance rates in Missouri depends on various factors including your driving history, vehicle type, and coverage needs. Contact our agents for personalized quotes to compare rates from multiple insurance companies.

Q5: How much is car insurance per month in Missouri?

The cost of car insurance per month in Missouri varies based on individual circumstances. Factors like your vehicle, driving record, and the level of coverage you choose all play a role. For an accurate monthly estimate, please contact our team for a personalized insurance quote.

Q6: What is the cheapest car insurance out there right now?

The cheapest car insurance available will depend on your specific needs and circumstances. We work with a variety of insurance companies to offer competitive rates and can help you find the most affordable option for your situation. Contact us for a comprehensive comparison.

How to Get a Free Insurance Quote in Missouri

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

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