It's hardly a stroll in the park to hunt out the lowest Missouri auto insurance on your own. While auto insurance in this state is not the most costly, it is not the cheapest. However, from an insurance company's perspective, this is not without merit.

Over 157,000 auto accidents occurred in Missouri in 2019, leading to 55,112 injuries and 881 fatalities among the state's roughly 4 million registered drivers. Numerous insurance claims, yes.

The current average annual premiums for Missouri's minimal coverage plan come to $468. To get the whole shebang, you'll have to fork up $1,661. These figures should be seen as ballpark estimates only. You may save money on insurance if you are a lower-risk customer and know where to go and what to look for.

Missouri's Cheapest Auto Insurance

Missouri's lowest vehicle insurance is offered by well-known brands you may already be familiar with. It's only sometimes a good idea to go with the big name, and sometimes it pays off with the little guy. It's unusual for a regional business to match the prices of its national counterparts.

USAA

While USAA is the most cost-effective option in Missouri, it has restrictions. Only active duty and retired military personnel and their families are eligible for coverage.

If you qualify, you may get a price quotation. As an insurance provider, USAA offers more than auto coverage. You may save even more money by bundling your plans with them, as they provide house and renters insurance.

USAA's A++ financial grade with AM Best and top-tier scores from JD Power for customer satisfaction are great reasons to collaborate with the company with its low prices.

Progressive

Outside of USAA, Progressive's typical premiums for full coverage are the lowest on average, and the company ranks fourth in the Central United States regarding customer satisfaction. With a score of 849 out of 1,000, it was second-best by 19 points.

There are several vehicle insurance companies to choose from, and Progressive provides many of the same savings. What sets Progressive apart, though, is its commitment to openness. You can easily compare prices with various insurance providers on Progressive's site.

The customizable pricing feature that Progressive provides is another helpful tool. Tell them your limits to see how much coverage you may obtain with Progressive for your money.

Geico

Getting vehicle insurance through Geico can save you a lot of money regardless of where you live, but if you call Missouri home, you'll save even more. It has one of the best insurance applications and consistently high satisfaction ratings from JD Power.

Within it, you may manage your insurance, including making payments, filing claims, and requesting services like roadside assistance. We love working with Geico because of all the savings opportunities it provides.

It's safe to say that Geico has more vehicle discounts than anybody else and that many of them will help you save money on your premium. As an illustration, you are having airbags installed can reduce your premium by up to 23%.

Farmers

Farmers provide inexpensive vehicle insurance to clients in Missouri. Get high grades in school, bundle your auto and house insurance, and use the Signal app to save money on your coverage. When you do, you can earn savings based on your driving patterns. They may be helpful if you break down or are in a significant collision.

Missouri Drivers Must Have Minimum Coverage

The state minimum coverage for Missouri is 25/50/25. If an accident occurs and it is determined that you are at fault, your insurance company will pay up to the maximum amount specified by your policy.

• $25,000 per person/accident for physical injury/death
• $50,000 for physical injury/death per accident
• $25,000 per accident for property damage

Though this is a massive amount of money, it is not when it comes to accidents. Even if you disregard the expense of medical bills, consider the cost of new automobiles. It is common for a new car to cost above $40k or even $50k.

Missouri Auto Insurance: How To Get the Best Rates

Obtaining low-cost car coverage in the Show-Me State is possible. It will help if you start by looking at it since each service provider has a unique price formula that considers numerous factors, including the value of your data.

Though every business will consider your driving history the essential element, each company will assess variables such as where you reside, what sort of car you drive and how far it is for you to go to and from work differently. Due to this fact, comparing prices from significant carriers is simple.