Missouri Car Insurance

Missouri is located in the Midwestern United States. It is the 21st most extensive and the 18th most populous in the US. Drivers can enjoy cheap Missouri car insurance quotes because  the state isn’t densely populated to cause congestions, accidents, high vehicle related crimes.

The Show Me State lies at the intersection of the three greatest rivers of North America, with the confluence of the Mississippi and Missouri Rivers near St. Louis, and the confluence of the Ohio River with the Mississippi. Missouri comprises 114 counties and the independent city of St. Louis.

Living costs in Missouri doesn’t appear to be too bad. Uninsured Drivers in the state are in line with the national average. Missouri is one of the few states requiring mandatory Uninsured Drivers Coverage.

Missouri Car Insurance Laws

Missouri Car InsuranceHere are the minimum auto insurance requirements in MO;

  • $25,000 for bodily injury or death per person.
  • $50,000 total for bodily injury or death per accident.
  • $10,000 for property damage.

In terms of uninsured motorist coverage, Missouri drivers must have:

  • $25,000 for bodily injury per person.
  • $50,000 for bodily injury per accident

You can check these details and more on state website insurance information section.

If you want to get get cheap auto insurance in Missouri you need to know all the discounts you can get. And find the insurer that will give you the highest savings for your positive attributes. You can count at least thirty different discounts available to deserving motorists. It is unlikely that you can qualify for all of them. Nonetheless, qualifying for handful of large discounts can ensure you get lower vehicle insurance premium.

So, it is no joke at all to look for cheaper coverage. Even though you may not be a great driver and have one or two blemishes in your record you can still get affordable premiums if you shop attentively. You should start with reading through some of the blogs like ours and get a few tips. Then, you should stay on and get a few automobile insurance quotes. Those quotes will offer you plenty insight into the thinking of insurers. If they like what they see they would offer you great quotations. Otherwise, they will be quick to tell you that they are not interested by offering pretty high quotes.

The secret is that you should know some companies will be keen to insure you while one or two may not want to take on the chance. You shouldn’t be offended with any of them as your current insurer wouldn’t be offended if you find a better deal and want to switch. It is important to understand that your interest and interest of the insurer should be aligned if both parties would be happy with the deal. Insurers will have their risk assessment process to determine your suitability for their policies. And you should do your own homework as to which company will offer you a good deal and would you be happy with them.

Many motorists make the mistake of feeling sentimental ties to a particular car insurer. You should remember that it is a business transaction where you pay the premium and the insurer promises to compensate your losses defined in the policy. If company A cannot provide the security you are seeking at a reasonable price there will be another one that is up to the challenge. You will find the ideal insurer with the help of the Internet in no time if you keep looking until you do.

Average Car Insurance Costs in Missouri 

Average premium expenditure in MO is $704, which is $137 cheaper than the United States average. This is the average cost of insuring a vehicle in the state and it doesn’t specify the type of coverage. Another study estimates that Missourian drivers can get cheap full coverage auto insurance for around $1,056 on average. Again, it is $269 cheaper than the US average.

You can get cheap rates from majority of insurers if you have good driving record, high credit score and driving reasonably cheap to insure automobile. The above estimated full coverage is based on a mature good driver with no claim and traffic ticket. You will pay a little bit more even if you have a speeding ticket. You can check how much does insurance rise after a ticket?

Another important factor that affect your rates is the insurer who calculates your premium. Depending on which insurer you are with you can pay as much as twice more or half the premium. That is why it is very important to choose your insurer well.

Cheap Car Insurance Companies in Missouri 

There are many ways of finding the cheapest auto insurance companies in your state. One of these is to find a source online that publishes them for you like below. These names will be very handy for you when you are shopping around. You should start with these companies but there is no guarantee that these companies will offer you the best rates.

They may not be happy with your driving record, credit score, the type of vehicle you want to insure or one of the listed drivers may be too young for their liking. They may even quote you pretty high rates because of your zip code. Every company has preferences and every applicant is totally different from the next one. That is why you should get a few quotes and see which companies offer you the best prices.

  1. Farmers, $290
  2. Electric, $320
  3. Auto-Owners, $368

There aren’t huge variations in premium quotes among the cities in MO. Most fall nicely inline with the state average, except Kansas City and St. Louis.

Auto Insurance in Kansas City and St. Louis, MO

These are the two largest cities in the state by far with $475,000 and $315,000 population. However, they are not cosmopolitan cities and this may save drivers living in these cities from much more expensive insurance costs. Nevertheless, car insurance rates in both Kansas City, MO and St. Louis, MO are about 30% higher than the state average. Looking at their size the gap may be even larger since they appear to be dragging the state average higher.

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