Are you looking for cheap auto insurance in Missouri? Everybody loves a bargain premium, but you need the best and most affordable plan that still meets the minimum legal requirements.
How Can I Buy Affordable Auto Insurance in Missouri?
The first step to affordable auto insurance is managing your driving profile by being a safe driver. Avoid speeding tickets and accident involvement. Additionally, your payment and claims history — even for non-auto claims — affect the premiums you’ll pay. Your truck or SUV model’s safety history affects the risk profile insurers generate, too, so buy wisely when you purchase a new vehicle.
Shop around for coverage. Most offer no-obligation quotes, which you can use to convince insurers to drop theirs, so they get your business
Bundling policies is another surefire way to score on savings. Cover multiple vehicles, property and personal liability with the same company.
5 Top Missouri Car Insurance Companies
Now that you know what the minimum auto insurance requirements are for the state of Missouri, you can begin to compare apples with apples. Discover what makes for affordable liability coverage.
1. David Pope Insurance
David Pope Insurance offers flexible, fast quotes based on your age, driver profile, vehicle type and model, and deductibles. The company sources lower rates than the industry standard and can get you a quote in hours. With full-time access to personalized support services, filing a claim after an accident is seamless and efficient.
This provider also has the benefit of being family- and local-owned. That knowledge — along with 15 years in business and over 20 years of experience — has helped satisfy more than 3,000 clients.
2. Geico
As a highly rated firm, Geico offers several services, including auto insurance. It advises clients on ways to reduce their premiums, such as taking defensive driving courses, installing anti-theft devices and following its guide on new vehicle purchases. Further discounts include military and federal initiatives, affiliated discounts, and multi-vehicle options.
3. State Farm
As the largest automobile insurer in the U.S., State Farm is known for competitive prices, swift service and an easy claims process. A basic insurance policy may be very cheap, but premiums increase when you load other features like medical payments, emergency road service and car rental.
5. Missouri Farm Bureau Insurance
What started as an initiative by a few Missouri farmers has turned into Missouri Farm Bureau Insurance, which covers everything from auto to business. It’s well-rated and has minimal complaints with the National Association of Insurance Commissioners.
Most drivers qualify for discounts, which further reduce costs. This enterprise’s roots in the agricultural community in Missouri make it an ideal choice for those who live off-grid on homesteads or travel on backroads.
4. USAA
USAA auto insurance offers initiatives to help you save on your truck or SUV coverage, such as SafePilot, which can get you a discount on your premium. Save more when you bundle your policies. If you only use your truck or SUV over weekends, you may benefit from the reduced mileage savings.
Missouri Auto Insurance Legislation
In Missouri, you must cover the state requirements of $25,000 coverage for anyone you injure and $50,000 per accident. You should also have $25,000 liability for any property damage your vehicle may cause.
Additionally, you need a plan that covers another $25,000 per person and $50,000 per accident. This will kick in if the other driver doesn’t have a policy or you’re in a hit and run.
What Is the Average Cost of Auto Insurance in Missouri?
David Pope Insurers rates the average cost of insurance in Missouri as lower than the national average, at $745 to $1,256 per annum. How much you pay will depend on several factors and the insurer you choose.
Quality, Affordable Auto Insurance in Missouri
Your vehicle is your pride and joy, but premiums can turn into a wet blanket. Insurance is a necessary hassle, so you deserve only the best of the best providers.
Shop around, negotiate with insurers and make the most of available discount strategies. A great insurance partner will help you reduce your auto liability coverage so you can drive to your heart’s content.
