Cheapest car insurance for high-risk drivers in Missouri

Which company has the cheapest car insurance in Missouri for a bad driving record?

Travelers, Nationwide and Progressive offer some of the cheapest rates for drivers with poor driving records in Missouri. Among them, Travelers has the lowest average premium at $2,161 annually.

If you have accidents, tickets or a DUI on your record, insurance companies will charge higher rates. Serious violations may affect your premiums for years, especially if you have multiple offenses.

Company	Average annual premium for clean record	Annual premium for high-risk driver
Travelers	$1,515	$2,161
Nationwide	$1,361	$2,304
Progressive	$1,960	$2,482
State Farm	$2,072	$3,071
Allstate	$2,852	$3,806
Auto Club Enterprises (AAA)	$2,346	$4,318
GEICO	$3,217	$4,699
USAA	$1,086	$1,606

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How much is high-risk car insurance in Missouri?

The average cost of high-risk car insurance in Missouri is $2,888 per year. Depending on your driving history and insurer, you may be able to find rates as low as $2,161 annually.

Several factors can classify you as a high-risk driver, but some raise your premiums more than others. For example, receiving multiple speeding tickets, or one in a school zone, will increase your rates more than a single basic speeding ticket.

Keep reading as we break down the factors that make you a high-risk driver and what you can expect to pay for car insurance.

Average annual car insurance rate for At-fault bodily injury accident in Missouri, MO is $2,929

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Company	Annual premium for clean record	Annual premium after violation
USAA	$1,086	$1,520
Travelers	$1,515	$2,032
Nationwide	$1,361	$2,189
State Farm	$2,072	$2,412
Progressive	$1,960	$2,644
Auto Club Enterprises (AAA)	$2,346	$3,675
Allstate	$2,852	$4,034
GEICO	$3,217	$6,473

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Average annual rate

People ask

Who is considered a high-risk driver in Missouri?

Each insurance company has its own rules for deciding who is a high-risk driver. But usually, things like a DUI, several tickets or accidents, or serious violations like reckless driving will put you in the high-risk category.

What company offers the cheapest car insurance in Missouri after a DUI?

Travelers offers the cheapest average rate for drivers with multiple tickets at $2,047 annually or $171 monthly.

A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.

The table below compares average car insurance rates with a clean driving record and rates after a DUI in Missouri.

Company	Average annual premium for clean record	Annual premium for a DUI
Travelers	$1,515	$2,135
Progressive	$1,960	$2,162
State Farm	$2,072	$2,242
Nationwide	$1,361	$2,817
Auto Club Enterprises (AAA)	$2,346	$3,614
Allstate	$2,852	$3,735
GEICO	$3,217	$5,865
USAA	$1,086	$1,936

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What is the cheapest car insurance in Missouri with multiple tickets?

Travelers offers the lowest average rates for drivers with multiple traffic tickets at $2,047 annually or $171 monthly.

One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.

This table shows Missouri drivers how much multiple tickets increase premiums.

Company	Average annual premium for clean record	Annual premium with a speeding ticket
Travelers	$1,515	$2,047
Nationwide	$1,361	$2,075
State Farm	$2,072	$2,242
Progressive	$1,960	$2,286
Allstate	$2,852	$3,249
Auto Club Enterprises (AAA)	$2,346	$3,477
GEICO	$3,217	$3,790
USAA	$1,086	$1,305

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Expert's Insight Two minor tickets can sometimes cost you more on insurance in the end than one major violation.

What company offers the cheapest insurance for reckless driving in Missouri?

Travelers has the cheapest average reckless driving insurance rates in Missouri at $2,135 per year. Reckless driving convictions often result in substantial premium increases and fewer coverage options.

You can be charged with reckless driving for many reasons, such as excessive speed, multiple accidents in a short time or street racing. Regardless of the cause, a reckless driving conviction raises car insurance rates.

The table below compares car insurance rates for drivers with a clean driving record and a reckless driving conviction.

Company	Average annual premium for clean record	Annual premium for reckless driving
Travelers	$1,515	$2,135
State Farm	$2,072	$2,242
Progressive	$1,960	$2,649
Nationwide	$1,361	$2,817
Auto Club Enterprises (AAA)	$2,346	$3,614
Allstate	$2,852	$3,735
GEICO	$3,217	$5,898
USAA	$1,086	$1,668

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Expert's Insight A reckless driving conviction can limit your car insurance options and significantly raise rates, so shopping around is critical.

Which company has the cheapest car insurance for drivers with bad credit in Missouri?

The cheapest Missouri insurer for bad credit is Nationwide, with rates averaging $1,961 per year or $163 per month. The good news is that drivers with bad credit can still get affordable auto insurance.

Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.

Check the table below to see how your credit score affects Missouri car insurance.

Company	Annual premium for good credit	Annual premium for bad credit
Nationwide	$1,361	$1,961
Travelers	$1,515	$2,556
Progressive	$1,960	$3,224
GEICO	$3,217	$5,064
Allstate	$2,852	$5,620
State Farm	$2,072	$7,218
Auto Club Enterprises (AAA)	$2,346	$8,249
USAA	$1,086	$2,119

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What company has the cheapest car insurance in Missouri after an accident?

Travelers has the cheapest average post-accident insurance rates in Missouri at $1,993 per year. Nationwide also offers below-average rates after an at-fault crash.

Drivers with accidents on their driving records see higher rates than drivers who avoid crashes. While car insurance increases after one accident, multiple accidents significantly increase rates.

This table compares rates for drivers with a clean driving record, one at-fault accident, and multiple accidents.

Company	Average annual premium for clean record	Annual premium for one at-fault accident	Annual premium for multiple accident
Travelers	$1,515	$1,993	$2,541
Nationwide	$1,361	$2,189	$2,980
State Farm	$2,072	$2,412	$2,412
Progressive	$1,960	$2,644	$3,641
Auto Club Enterprises (AAA)	$2,346	$3,675	$5,275
Allstate	$2,852	$4,034	$5,348
GEICO	$3,217	$6,473	$8,961
USAA	$1,086	$1,520	$2,261

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Expert's Insight Accident forgiveness programs can prevent rate increases, but eligibility varies by insurer, and often only minor accidents qualify.

Which city is cheapest for high-risk car insurance in Missouri?

Holts Summit has the cheapest average high-risk insurance premiums in Missouri at $2,581 annually. Meanwhile, St. Louis has the highest average rates at $3,441 per year.

Where you live affects your insurance costs. Areas with more traffic, accidents or vehicle theft usually have higher insurance rates.

City	Average annual premium for clean record	Annual premium for high-risk driver
Holts Summit	$1,797	$2,581
Springfield	$1,880	$2,778
Clifton Hill	$1,994	$2,818
St. Joseph	$1,957	$2,846
Blue Springs	$1,945	$2,847
New Franklin	$2,009	$2,855
Mountain View	$1,998	$2,861
West Plains	$1,994	$2,863
Farmington	$1,993	$2,880
Labadie	$2,009	$2,927
Kansas City	$2,155	$3,138
St. Louis	$2,362	$3,441

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How can high-risk drivers lower their car insurance rates in Missouri?

High-risk drivers in Missouri can reduce insurance costs by comparing quotes and avoiding additional violations. Many insurers reward safer driving habits over time with lower premiums.

Ways to lower car insurance rates include:

Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
Take a defensive driving course. Many insurance companies offer a discount for completing the class, and some states remove driver's license points for successfully completing it.
Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.

People ask

How long are you considered a high-risk driver in Missouri?

Three years is common, but how long you are considered a high-risk driver in Missouri depends on the insurance company's guidelines. The state determines how long a violation stays on your record, but the insurance company determines how long you're charged for that violation.

What are Missouri's insurance requirements for high-risk drivers?

If you're a high-risk driver in Missouri, you may need to file an SR-22. Your insurer submits this form to confirm you carry the state's minimum required coverage. The court will specify how long you must maintain the SR-22.

An SR-22 is not a type of insurance; it's simply a form. You don't need special coverage, but your premiums may be higher since you're classified as high risk. Additionally, not all insurance companies offer policies for high-risk drivers or handle SR-22 filings.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.

All base rate averages are based on our full coverage data set. This data set is based on:

Bodily injury liability of $100,000 per person and $300,000 per incident
Property damage liability of $100,000 per incident
Comprehensive and collision deductibles of $500
40-year-old driver
Honda Accord LX
Good credit
A clean driving record
12-mile commute, 10,000 annual mileage

Our data is then adjusted to reflect the rate increase from this base rate for the following infractions and issue:

DUI
Reckless driving
Multiple speeding tickets
Bad credit
One at-fault accident over $2,000

FAQ: High-risk car insurance in Missouri

Can high-risk drivers get full coverage car insurance in Missouri?

Yes, you can get full coverage insurance as a high-risk driver. However, you can expect it to cost a lot more than liability-only coverage.

Does an SR-22 automatically make your insurance more expensive in Missouri?

Although the SR-22 doesn't increase your rates, the reason for needing it does, since only drivers with major violations require an SR-22; rates will go up. An SR-22 is the form the insurance company has to file with the state, and by itself, it doesn't increase your rates.

Will my car insurance rates go down after three years in Missouri?

It's likely that your insurance will go down after three years, although, depending on the violation, you may still be paying higher rates than you were before it happened.