Finest Low-cost Automobile Insurance Missouri 2021 – Forbes Advisor – Forbes

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Find cheap auto insurance in Missouri

Finding great Missouri auto insurance rates is easy when you know where to look. We evaluated Missouri rates from 11 auto insurers to point you in the right direction.

Related: Best Auto Insurance

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Cheap Missouri auto insurance for good drivers

Good drivers definitely deserve cheap Missouri auto insurance, but it takes a little searching. Try quotes from State Farm Auto Insurance, Farm Bureau Town & Country, and Travelers who had the best rates for good drivers among the companies we surveyed among all companies.

If you're eligible for USAA, check out their offers. USAA is only open to military personnel and veterans.

Cheap Missouri auto insurance for drivers who have been in an accident

If you've caused a car accident that injured someone else, expect an average rate increase of about $ 750. You can still search for the cheapest prices. Try State Farm and Farm Bureau, which had the lowest auto insurance rates for drivers with an accident in Missouri among the companies we surveyed. Service members and veterans should check USAA auto insurance offerings.

Affordable Missouri auto insurance for drivers with DUI

Expect hundreds of dollars in auto insurance if you get a DUI conviction. According to our analysis, State Farm can offer the cheapest tariffs among all companies in this situation. Service members and veterans should always check USAA citations.

Cheap Missouri Auto Insurance for Bad Credit Drivers

Missouri drivers really pay for bad credit. The average rates rise to over $ 1,100 a year if your credit is bad, and that goes for folks who are still good drivers with no accidents or tickets. If you're eligible for USAA, check out their offers. For everyone else, State Farm, Farm Bureau Town & Country, and Geico auto insurances may offer better rates than others.

Cheap Missouri auto insurance for drivers caught without insurance

If auto insurance failure affects your Missouri auto insurance rates, try State Farm or Farm Bureau. If you're eligible for USAA insurance, check out their deals for a better deal.

The cheapest vehicles for insurance in Missouri

Some vehicles cost more to insure than others. In Missouri, the Honda Pilot SE, Chevrolet Colorado, and Subaru Crosstrek are among the cheapest insurance vehicles based on average rates for 50 best-selling models of 2021. Here are the 20 cheapest cars you should get insured for.

Vehicles with the most expensive insurance in Missouri among popular models are the Tesla Model S Performance ($ 8,418 per year) and the Volvo XC90 T8 Inscription ($ 5,231 per year).

Related: Insure the most and cheapest cars nationwide

Minimum Insurance Required for Missouri Cars

You must get liability insurance in Missouri. This is core coverage that pays for property damage and injuries you cause to others. It also includes your own legal defense if you are sued for a car accident. If another driver crashes into you, you can use their vehicle liability insurance or sue.

Missouri car owners must purchase at least one insurance policy:

  • $ 25,000 for assaulting a person
  • $ 50,000 for personal injury in an accident
  • $ 10,000 for property damage in an accident

This is written as 25/50/10.

But the minimum requirements for vehicle liability insurance in Missouri are insufficient. If you cause an accident with expensive injuries, the medical expenses can quickly hit the minimum insurance limits and you could be sued for the rest. It is a good idea to have adequate liability insurance to cover your savings and assets (e.g. your home).

Missouri also requires Uninsured Motorist Insurance (UM). This type of insurance covers medical expenses if someone who does not have liability insurance falls into your vehicle. You must have at least UM coverage in Missouri:

  • $ 25,000 for assault
  • $ 50,000 for injuring multiple people in an accident

What else should i have?

Underinsurance for drivers (UIM). What if someone who crashes with you has insurance but it is insufficient to cover your medical expenses? UIM coverage pays your medical bills when the culpable driver's insurance is exhausted. In general, this is good coverage.

Medical payments (MedPay). This covers the medical costs for you and your passengers, regardless of who caused the accident.

Collision and extensive coverage. Together, these types of insurance cover car theft and repair costs after problems such as car crash, vandalism, flood, hail, fire, riot, collision with animals and falling objects such as branches.

Collision and fully comprehensive insurance are usually required by your lender or leasing company when you have a car loan or lease.

Summary: Required Missouri Auto Insurance

Can I show my insurance ID from my phone?

In Missouri, you can show a car insurance ID using a cell phone. If stopped, you don't have to hope to have paper ID with you. Many auto insurers have mobile apps that provide access to auto insurance IDs.

Allowable Factors in Missouri Auto Insurance Rates

In addition to driving history, previous claims, and vehicle type, Missouri auto insurance companies can use these factors in determining a customer's rates.

How many uninsured drivers are there in Missouri?

According to the Insurance Research Council, approximately 16% of Missouri drivers do not have auto insurance. For this reason, it's good to have your own insurance policy to cover the problems they cause, including MedPay, collision insurance, and / or uninsured motorist protection.

Penalties for driving without car insurance

If you're caught driving in Missouri without auto insurance, you can count towards your driver's license and have your driving privileges revoked.

When can a vehicle totalize in Missouri?

If your car is badly damaged by a problem like an accident or a flood, car insurance in Missouri can declare your car a total write if the damage exceeds 80% of the market value and the car is no more than six years old (based on the manufacturer's model year) .

Solve insurance problems

The Consumer Affairs Division of the Missouri Department of Commerce and Insurance (DCI) is responsible for overseeing insurance companies and responding to consumer complaints. If you have an unresolved problem with car insurance, you can file a complaint.

methodology

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 personal injury liability insurance, $ 300,000 per accident, and $ 100,000 property damage insurance, uninsured motor vehicle insurance, and any other coverage required by the state. The price also includes collision and fully comprehensive insurance with a deductible of $ 500.

The companies rated for Missouri were Automobile Club of Missouri, Allstate, Cameron Mutual, Farm Bureau Town & Country, Farmers, Geico, Progressive, Shelter, State Farm, Travelers, and USAA.

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