If you’re looking for cheap auto insurance in Missouri and you’ve already compared a few providers, you may have found that quotes can be very different from one company to the next. The reason for this is because insurers have different ways of calculating monthly and yearly premiums, and some providers cater to specific types of drivers.
To simplify your search for the best deal, we’ve compared car insurance rates from nine leading providers to find the most affordable quotes for the following types of motorists:
Best Rates For Drivers With No Recent Accidents
Are you a responsible driver? Is your driving history free of at-fault collisions? If you qualify for a safe driver discount, you might be able to save hundreds by switching to State Farm or Esurance—the two providers that our test identified as the cheapest for drivers with no accident history in Missouri.
Best Rates For Teen Drivers
If you’re looking for cheap auto insurance for teen drivers in Missouri, you should be able to find competitive rates from State Farm and Esurance. Our research used a hypothetical 18-year-old male and female driver who had a spotless traffic record and wanted insurance that met the state’s minimum coverage requirements.
Best Rates For Drivers With A DUI
A DWI or DUI conviction can cost you long after you’ve completed your sentence. Car insurance companies will see you as a bigger liability, so you’ll most likely have to pay higher insurance rates. If you need to find cheap auto insurance after a DWI in Missouri, State Farm was found by our study to offer very low rates.
Best Rates For Senior Drivers
State Farm was found to offer the best car insurance rates in Missouri for senior drivers. Our researchers also identified State Farm as a carrier that offers competitive rates to drivers in this age group. The motorist in our study was age 65 and commuted 4,000 miles annually.
Our estimates in the “No Recent Accidents” and “DWI” categories are based on a 29-year-old driver. In most segments, the car was a 2014 Toyota Corolla driven 12,000 miles per year. Our data is based on insurance premiums of females and males from five zip codes in MO. Except for the teen driver category, all driver types were shopping for liability coverage with 50/100/25 limits and uninsured motorist coverage of the same limits.
How Much Car Insurance Liability Coverage Are Motorists Required To Purchase In Missouri?
Missouri drivers are required by law to buy car insurance that would pay $25,000 for bodily injuries to one person, $50,000 for bodily injuries in one collision, and $10,000 for property damage. $25,000 per person and $50,000 per accident are also required in uninsured motorist bodily injury coverage.
Missouri Car Insurance FAQs
What Are the Penalties for Driving Without Car Insurance in Missouri?
Having car insurance is mandatory if you want to drive in the state of Missouri. Insurance is designed to protect drivers in case of a crash or other unfortunate event by limiting the resulting financial burden. In Missouri, the driver who is considered to be “at fault” for the accident is responsible for any and all injuries and damages. Insurers can find one or multiple parties to be at fault and assign a percentage of blame to each.
Without insurance, most people aren’t able to cover the damages they cause in accidents, so Missouri has introduced harsh penalties to deter people from driving while uninsured.
If you don’t have insurance or can’t provide proof to law enforcement officers when asked, you may face steep fines, suspensions, and/or 4 driving points. In Missouri, receiving 8 points in an 18-month period will lead to the loss of driving privileges. A suspension will also lead to your license and plates being taken away. The first time you are suspended for this offense, your privileges will be reinstated after you pay a $20 fee and submit proof of insurance (this must be done for three years). The second time you are suspended, you must wait 90 days before paying a $200 fee and submitting proof of insurance to be reinstated. If you get three or more suspensions, you must wait a year before paying a $400 fee and submitting proof of insurance to get your privileges back.
The penalty for being at fault in an accident without insurance and not being able to pay is a one-year suspension. You can get your sentence shortened by submitting proof that you settled the damages and paying a $20 fee.
Traffic Laws In Missouri
Practicing safe driving is the best way to prove to insurance companies that you deserve better rates. If you can show them that you aren’t a liability, you will be rewarded. To do this, you must first familiarize yourself with the laws in the state you’re driving in. Below, we’ve laid out some rules that everyone needs to be aware of when driving in Missouri.
The Point System In Missouri
As noted above, Missouri uses a point system to keep track of violations. Points may be assigned for anything from speeding to committing a felony behind the wheel. The fewer points you have, the better off you are. Insurance providers can access your driving records at any time, and they often use them as a foundation for determining monthly premiums. Accumulating a lot of points will tell insurers that you pose a threat and that you are at greater risk of being in or causing a crash.
Besides the fact that this will jack up your premiums, you will also be penalized by the state. The first time you accrue 8 points in 18 months, your license will be suspended for 30 days. The second time it happens, your license will be suspended for 60 days, and the third time it happens, your license will be suspended for 90 days. If you accrue 12 points in a year, 18 points in two years, or 24 points in three years, your license will be revoked for a full year.
The good news is that, when you meet all requirements and your suspension/revocation period ends, the number of points on your driving record will shrink to 4. Your points will further be reduced for every year you drive without accumulating more. After three years, you will go back to 0 points.
It’s important to keep in mind that points for more serious transgressions may yield additional punishments.
Drunk Driving Laws In Missouri
One of the most weighty infractions to your record is drinking and driving. Nothing will sink your good driving record and insurance premium hopes faster than a DWI/DUI. Alcohol, even in small quantities, can severely hurt your judgement behind the wheel. A recent CDC study found that a staggering 3,314 people were killed in drunk driving accidents in Missouri between 2003 and 2012. That’s why both insurers and the state take it very seriously.
A driver is considered impaired if his or her blood alcohol concentration (BAC) is .08 percent or greater. Drivers under the age of 21 are required to have a BAC lower than .02 percent. Failure to comply may result in both administrative and court-mandated consequences.
On the administrative side of the spectrum, a first offense means a 90-day license suspension and a second offense within five years means a one-year license revocation. On the court side of the spectrum, a first conviction means a maximum $500 fine and six months of jail time. A second conviction means a maximum $1,000 fine and a year of jail time. Subsequent convictions will result in greater maximums.
Another potential consequence is mandatory participation in the ignition interlock program. The goal of the program is to reduce repeat offenders through the use of an ignition interlock device (IID). This device requires drivers to measure their BAC every time the get behind the wheel and will prevent the car from starting if they test too high.
If you kill or harm anyone while drinking and driving, you face incarceration for two to seven years, fines of up to $5,000, and the loss of your driving privileges for up to five years.
Refusing a breath test will automatically result in a one-year suspension.
Drugged Driving Laws In Missouri
Driving under the influence of drugs is no better than driving under the influence of alcohol. You’re breaking the law even just being in possession of drugs while operating a motor vehicle. Any violation will result in a one-year suspension. The requirements to get your license reinstated are paying a $45 fine, proving that you have completed the Substance Abuse Traffic Offender Program (SATOP), meeting SR-22 filing requirements for two years, and retaking your driving test.
Missouri Car Insurance Terminology
To increase your familiarity with Missouri car laws and insurance policies, you should know these key terms:
Blood Alcohol Concentration (BAC): A measure of how much alcohol is in your system
IID: Ignition interlock device
Insurance Claim: A formal request to an insurance provider for coverage or compensation
Insurance Coverage: The amount of risk or liability an insurance provider agrees to undertake in exchange for payment
Liability: The state of being responsible for something, like a car accident
License Suspension: Your license isn’t valid until you meet all requirements; can be reinstated
License Revocation: Your license is fully canceled and cannot be reinstated; must be reissued
SATOP: Substance Abuse Traffic Offender Program
SR-22: A certificate required for drivers with violations like DUI, DWI, an uninsured accident, or a large number of points that proves you are meeting the state’s insurance minimums