Cheapest Car Insurance in Missouri: A Comprehensive Guide

Car insurance is a necessary expense for all drivers in Missouri, but that doesn’t mean you have to pay an arm and a leg for it. Luckily, there are ways to save money on car insurance without sacrificing coverage. In this article, we’ll provide you with all the information you need to find the cheapest car insurance in Missouri.

Factors That Affect Car Insurance Rates in Missouri

Before we dive into how to find cheap car insurance in Missouri, let’s first take a look at the factors that affect your car insurance rates:

Driving Record

Your driving record is one of the biggest factors that determines your car insurance rates. If you have a clean driving record with no accidents or tickets, you’ll likely receive lower rates. However, if you have a history of accidents or tickets, your rates will be higher.

Age and Gender

Younger drivers and male drivers typically pay more for car insurance than older drivers and female drivers. This is because younger and male drivers are statistically more likely to get into accidents.

Location

Where you live in Missouri can also affect your car insurance rates. If you live in a densely populated area with higher crime rates, you’ll likely pay more for car insurance than if you live in a rural area.

Vehicle Type

The type of vehicle you drive can also affect your car insurance rates. Sports cars and luxury cars typically have higher rates than sedans or SUVs.

Credit Score

Your credit score is another factor that can affect your car insurance rates. If you have a poor credit score, you’ll likely pay higher rates than someone with a good credit score.

Tips for Finding Cheap Car Insurance in Missouri

Now that you know the factors that affect your car insurance rates, let’s take a look at some tips for finding the cheapest car insurance in Missouri:

Shop Around

The best way to find cheap car insurance in Missouri is to shop around and compare rates from multiple insurance companies. You can do this online or by contacting insurance companies directly.

Consider Higher Deductibles

If you’re willing to take on more risk, you can consider increasing your deductibles. A higher deductible means you’ll pay more out of pocket if you get into an accident, but it also means you’ll pay lower rates.

Ask About Discounts

Many insurance companies offer discounts for things like safe driving, bundling policies, and having certain safety features on your vehicle. Make sure to ask your insurance company about any potential discounts.

Choose a Car with Lower Rates

If you’re in the market for a new car, consider choosing a vehicle with lower rates. Sedans and SUVs typically have lower rates than sports cars and luxury cars.

Pay Attention to Coverage Limits

While you want to find cheap car insurance, you also don’t want to sacrifice coverage. Make sure to pay attention to the coverage limits you’re getting and make sure they’re sufficient for your needs.

FAQ

What is the minimum car insurance required in Missouri?

In Missouri, drivers are required to have liability insurance with the following minimum limits:

Liability Coverage	Minimum Required Amount
Bodily Injury Liability	$25,000 per person/$50,000 per accident
Property Damage Liability	$10,000 per accident

What other types of car insurance can I get in Missouri?

In addition to liability insurance, you can also get the following types of car insurance in Missouri:

• Collision coverage
• Comprehensive coverage
• Uninsured motorist coverage
• Underinsured motorist coverage

How can I lower my car insurance rates in Missouri?

You can lower your car insurance rates in Missouri by shopping around, increasing your deductibles, asking about discounts, choosing a car with lower rates, and paying attention to coverage limits.

What should I do if I get into a car accident in Missouri?

If you get into a car accident in Missouri, you should first check to make sure everyone involved is okay. Then, exchange insurance information with the other driver(s) and contact your insurance company to report the accident. If someone is injured or the damage exceeds $500, you’ll need to file a report with the Missouri Department of Revenue.

What happens if I drive without car insurance in Missouri?

If you’re caught driving without car insurance in Missouri, you could face fines, license suspension, and even jail time. It’s not worth the risk.

Conclusion

While car insurance is a necessary expense, it doesn’t have to break the bank. By following the tips in this article and shopping around for the best rates, you can find cheap car insurance in Missouri that still provides the coverage you need.