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Missouri Car Insurance

Some fascinating data was revealed in the latest “Traffic Crash Statistics” (2009) prepared by the Missouri Department of Transportation. Almost three quarters of accidents reported to the Missouri law enforcement agencies were property damage only – implying that residents of Missouri take their in-car safety more seriously than in many other States – and almost a third of these accidents occurred on rural roads – a huge shift away from the urbanized/rural proportions usually witnessed.

Some things, however, never change. A third of the accidents that resulted in an injury of some kind were caused by drivers under the age of twenty-five and almost 80 per cent of those were attributable to male drivers. Alcohol and drug abuse played a significant part in being responsible for the accidents and – frighteningly – one in seven were uninsured!

Missouri Car Insurance Requirements

The State of Missouri does not have complicated auto insurance requirements. It is a tort State and therefore car drivers are required to have liability insurance and (due to the high number of uninsured motorists) uninsured/underinsured motorist protection. The minimum liability limits are fairly low compared to other States in the USA, so car insurance in Missouri is not particularly expensive.

Minimum liability limits for auto insurance in Missouri-

$25,000 for injury/death to one person

$50,000 for injury/death to more than one person

$10,000 for damage to property

As an alternative to Missouri car insurance, vehicle owners can place a bond of $120,000 with the Missouri Department of Revenue, file a real estate bond or self-insure (only car dealers and those who own in excess of twenty five vehicles). However, because auto insurance in Missouri is far more convenient (and affordable!) the majority of vehicle owners choose to take car insurance in Missouri.

Missouri Auto Insurance Laws

Auto insurance in Missouri (or one of the other forms of proving financial responsibility) is compulsory, and, when you first register your vehicle, you are required to sign an affidavit stating that you will maintain Missouri car insurance throughout the registration period. At all times you must carry proof of Missouri car insurance in your vehicle in case you are ever requested to show it to a law enforcement officer, either after an accident or at a traffic stop – failure to dos o will result in a four point penalty on your driving record, an order of supervision that will subject you to monitoring and, for repeat offenders, a suspension of your license.

If it is subsequently discovered that you have been driving without car insurance in Missouri your license will be automatically suspended and you will have to pay a $500.00 fine and file SR-22 insurance in order to get your license reinstated. SR-22 has to be maintained for a three year period before the Department of Revenue will trust you to monitor your own auto insurance in Missouri.

Recommended Missouri Car Insurance Coverage

Inasmuch as there are proportionately fewer personal injury accidents in Missouri, those which do occur more often result in multiple serious injuries. Therefore, most car drivers in Missouri opt to increase their minimum liability limits to $100,000/$300,000 and take additional uninsured/underinsured motorist protection as well. Many car drivers also increase their damage to property coverage as they may be personally liable for damage to property in excess of the $10,000 minimum liability limit.

If a car has been purchased on finance, you will automatically be required to take comprehensive car insurance in Missouri but, for those who own their vehicles outright, comprehensive auto insurance in Missouri should only be necessary if you live in an area where you are likely to have your car damaged by a deer or where car theft is at a high level (see our “Hot Spots” below)

Cheap Missouri Car Insurance Quotes

There are a number of ways in which you can qualify for discounts to your auto insurance in Missouri – resulting in cheap Missouri car insurance quotes. One of the most popular is to take advantage of an approved driver´s education course. Many of these courses are geared towards saving money on your car insurance in Missouri and include the theory of defensive driving, alcohol and drug awareness and in-car instruction sessions with a qualified instructor.

Not only will participating in an approved driver´s education course save money on your auto insurance in Missouri, it will enable you to become a safer driver on the road, which will result in having fewer accidents, which will mean you do not claim on your Missouri auto insurance, which will qualify you for further discounts on your car insurance in Missouri.

Other measures you can take to get cheap Missouri car insurance quotes are to install air bags, anti-lock brakes and automatic seat belts into your vehicle. You will qualify for discounted Missouri auto insurance if you insure more than one vehicle with the same insurance company or combine your Missouri car insurance with a home insurance policy. There are plenty of other factors which can contribute to cheap Missouri car insurance, but these depend on your Missouri car insurance rating.

Missouri Car Insurance Ratings

Your Missouri car insurance rating is compiled by car insurance companies in Missouri looking at historical data and calculating what level of risk they are undertaking by offering you auto insurance. At the top of the page, we commented on male drivers under the age of twenty-five being responsible for a large number of road traffic accidents in Missouri and, whether it is fair or not, auto insurance companies in Missouri will tar every young male driver with the same brush.

Other factors which will influence your Missouri car insurance rating include:-

  • Your Credit Rating – Car insurance in Missouri is very much based on responsibility and risk. If it is seen that you are responsible with your finances and have a good credit history, Missouri auto insurance companies believe (through statistical evidence) that you will also show responsibility on the road.
  • Your Marital Status – Historical data also shows that those who are married are also more defensive drivers on the road and you will get cheaper auto insurance in Missouri if you are married than if you are single. Your “responsibility meter” also increases when you start to have a family.
  • Your Driving History – This is a more personal influencing factor on your Missouri car insurance rating, but you will be penalized more than you think may be fair if you pick up a ticket for speeding. Historical data suggests that once you get stopped for speeding, you will do it again, and again, and again!
  • The Make and Model of Your Vehicle – Some cars are more insurance-friendly than others. So although you may have a newer, more valuable vehicle than your neighbor, the fact that it is safer to drive and involved (historically) in fewer accidents will qualify you for Missouri auto insurance discounts.
  • How Much You use Your Vehicle – Low usage car drivers pay much lower Missouri car insurance rates than somebody who drives their car 40 miles to the office every day. Very low usage drivers may be able to take advantage of “Pay-as-you-drive” car insurance plans in Missouri.

Different Missouri car insurance companies apply different emphasis to the elements of car insurance ratings – for example, one Missouri car insurance company may feel that good grades at school show responsibility and reward the policyholder with an auto insurance discount, whereas another Missouri car insurance company may place more importance on your policy being claim-free for a year. This is why it is so important that you compare car insurance companies in Missouri when looking for auto insurance.

Missouri “Hot Spots” for Vehicle Theft

Each year, the National Insurance Crime Bureau (NICB) produces a report known as “Hot Spots”. This publication lists the 360 metropolitan districts in the country which experience the highest levels of vehicle theft in comparison to the local population. Many of the major metropolitan districts in Missouri are densely populated, so their inclusion on this list would indicate that there is a high level of car theft in these areas.

In 2010, nine Missouri metropolitan districts suffered such a high level of vehicle theft that they were included in the NICB´s “Hot Spots”. If you live in one of these areas, you will be paying a higher rate for comprehensive auto insurance in Missouri. The nine districts, with their national positions in brackets, were:-

  1. Kansas City (39)
  2. Springfield (52)
  3. St. Louis (74)
  4. Joplin (87)
  5. St. Joseph (187)
  6. Springdale (248)
  7. Jefferson City (260)
  8. Columbia (263)
  9. Cape Girardeau (273)

Most Frequently Stolen Cars in Missouri

Within these “Hot Spots” there are specific makes of vehicle which attract a car thief more than others. The NICB also produces a list of the 10 most frequently stolen cars in Missouri. Known as “Hot Wheels”, the following cars are more appealing to car thieves than any other model. If you are driving one of these vehicles, it is in your best interests to install additional anti-theft devices and then advise your Missouri auto insurance company that you have done so.

The top 10 “Hot Wheels” for 2010 were:-

  1. Dodge Caravan
  2. Dodge Intrepid
  3. Dodge Ram
  4. Chevrolet Pick-Up
  5. Ford F150 Pick-Up
  6. Dodge Stratus
  7. Ford Taurus
  8. Ford Explorer
  9. Jeep Cherokee
  10. Pontiac Grand Prix

Typical Missouri Car Insurance Rates

Despite the high rates of vehicle theft, typical Missouri car insurance rates remain around the national average of $1,440. This could be attributable to the low number of personal injury claims made as the result of a road traffic accident, safer driving practices on the roads or because Missouri residents are more savvy and known to ask for discounts on their auto insurance!

The list below reflects the average car insurance rate paid in selected districts throughout Missouri. Your own personal Missouri auto insurance quote will be influenced by your own personal circumstances and how they affect your Missouri car insurance rating.

Car insurance in Florissant – $1,818

Car insurance in Independence – $1,619

Car insurance in Saint Louis – $1,593

Car insurance in Saint Peters – $1,528

Car insurance in Saint Charles – $1,481

Car insurance in Kansas City – $1,457

Car insurance in Lee´s Summit – $1,385

Car insurance in Saint Joseph – $1,287

Car insurance in Springfield – $1,195

Car insurance in Columbia – $1,110

Missouri Auto Insurance Companies

As mentioned above, it can be extremely beneficial to shop around and compare car insurance companies in Missouri. Therefore, we have produced a list below of Missouri auto insurance companies and provided reviews of those which are underlined. Some Missouri auto insurance companies will offer discounts for workers in certain trades, young drivers or those who do not use their vehicles with great frequency (“pay-as-you-drive”), so it is recommended that you contact as many as possible to receive a variety of Missouri car insurance quotes.

Acuity Economy Millers
Affirmative Electric National General
AIG Encompass National Insurance Association
AIU Esurance National Interstate
Alfa Farm Bureau Town & Country National Union Fire
Allied Property & Casualty Farmers Nationwide
Allstate Farmers Alliance Mutual New South
Alpha Property & Casualty Farmers Union Cooperative Omni
AMCO Federal Owners
American Bankers Fidelity National Pacific Indemnity
American Family Financial Indemnity Pharmacists Mutual
American Family Home Firemans Fund Phoenix
American Fire & Casualty First Acceptance Progressive
American Home Assurance First Liberty Response
American International Foremost Safeco
American Modern Gateway Sagamore
American National GEICO Secura
American Standard Great Northern Sentry
AMEX Assurance Grinnell Shelter
AMICA Mutual GuideOne State Auto
Atlantic Mutual Hartford State Farm
Auto Club Family Haulers Teachers
Auto-Owners Horace Mann Traders
Automobile Club InterInsurance IDS Travco
Exchange Illinois National Travelers
California Casualty Infinity Trinity
Cameron Mutual Insurance Company of the Trumbull
Cameron National State of Pennsylvania Twin City Fire
Centennial InsureMax United Fire
Charter Indemnity Co Kemper Independence Unitrin
Cincinnati Liberty Mutual USAA
Columbia Mutual Markel Victoria
Consumers Insurance USA Mendota Vigilant
Cornerstone National Metropolitan Viking
Country MIC Insurance West American
Dairyland Mid-Century Western Agricultural
Deerbrook Middlesex Workmens Auto
Depositors Midwestern Indemnity Young America

There is a lot of competition between auto insurance companies in Missouri and, to help you search for the best Missouri car insurance, we have included an interactive car insurance comparison tool at the top of the page. To use this feature, simply type in your zip code and answer a handful of questions and have car insurance quotes delivered to you by some of the leading auto insurance companies in America. You are under no obligation to accept any of their quotes and, once you have received them, do not forget to ask for further discounts!

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