Find Cheap Car Insurance in Missouri



Best Car Insurance Companies in Missouri

Every auto insurance company emphasizes its low rates. But just like with any service, the cheapest car insurance option is not always the preferable choice. Considering the stakes, it’s worthwhile to do your research to find a policy that protects your car adequately after an accident. It’s worth comparing insurance options to discover a great value, instead of settling for the cheapest car insurance you can find.

Compare popular insurers’ financial strength and claims satisfaction ratings to better understand the quality of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being “among the best” and 2 being “the rest.” Financial strength — calculated by A.M. Best and varying from “Poor” to “Superior” — determines an insurer’s financial stability and ability to fulfill its contractual and policy obligations.

Insurance Company Claims Satisfaction (J.D. Power) Financial Strength (A.M. Best)
21st Century 3 Excellent
Allied 3 Superior
Allstate 3 Superior
Cameron Mutual Not Rated Good
Electric Not Rated Excellent
Farmers 3 Excellent
GEICO 3 Superior
MetLife 3 Superior
Nationwide 4 Superior
Progressive 3 Superior
Shelter Not Rated Excellent
State Farm 3 Superior
The Hartford 4 Excellent
Travelers 3 Superior
USAA 5 Superior

 

See insurance rates for Missouri’s best companies!

 

What is the Best Car Insurance Coverage in Missouri?

The required minimum insurance level in Missouri is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

For the legal minimum coverage in Missouri, you’ll owe an average of $519 each year. This is cheaper than the U.S. average by 21%. If you opt for better car insurance coverage, you can select a policy with comprehensive and collision coverage, insuring against damages caused by car-vs.-car wrecks, theft, or weather incidents. It’s worth noting that better auto insurance comes at a cost: in Missouri, a comprehensive insurance policy with a $1,000 deductible runs $1,169, 125% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 156% more than you would for a basic liability-only policy.

Contrast average rates for basic, better, and best car insurance options below.

Location Liability-Only Comprehensive — $1,000 Deductible Comprehensive — $500 Deductible
Missouri $518.89 $1,169.22 $1,330.20
National Average $657.66 $1,241.26 $1,397.94

Source

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