- Cheapest car insurance for high-risk drivers in Missouri
- Average rates for high-risk drivers in Missouri by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Missouri
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Missouri is State Farm, followed by Travelers and Nationwide.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,973 | $164 |
| Travelers | $2,186 | $182 |
| Nationwide | $2,261 | $188 |
| Allstate | $2,405 | $200 |
| American Family | $2,456 | $205 |
| Geico | $3,736 | $311 |
| Auto-Owners | $3,896 | $325 |
| Progressive | $4,237 | $353 |
| Auto Club Enterprises (AAA) | $4,443 | $370 |
| Kemper Insurance | $7,823 | $652 |
| USAA | $1,233 | $103 |
Average rates for high-risk drivers in Missouri by driving record
Average cost of car insurance in Missouri for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| USAA | $1,159 |
| State Farm | $1,887 |
| Travelers | $2,040 |
| Nationwide | $2,152 |
| Allstate | $2,444 |
| American Family | $2,481 |
| Auto Club Enterprises (AAA) | $3,904 |
| Progressive | $4,714 |
| Geico | $5,380 |
| Auto-Owners | $5,494 |
| Kemper Insurance | $9,843 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Missouri for a driver with a DUI is State Farm with an average annual of $1,762 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,762 | $147 |
| Travelers | $2,151 | $179 |
| American Family | $2,208 | $184 |
| Allstate | $2,413 | $201 |
| Nationwide | $2,744 | $229 |
| Progressive | $3,648 | $304 |
| Auto Club Enterprises (AAA) | $3,840 | $320 |
| Geico | $4,640 | $387 |
| Auto-Owners | $4,895 | $408 |
| Kemper Insurance | $6,978 | $582 |
| USAA | $1,472 | $123 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Missouri, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $1,762 per year or $147 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,762 | $147 |
| Nationwide | $2,045 | $170 |
| Travelers | $2,056 | $171 |
| Allstate | $2,118 | $177 |
| American Family | $2,208 | $184 |
| Auto-Owners | $3,007 | $251 |
| Geico | $3,022 | $252 |
| Auto Club Enterprises (AAA) | $3,696 | $308 |
| Progressive | $3,932 | $328 |
| Kemper Insurance | $8,033 | $669 |
| USAA | $1,018 | $85 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Missouri, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,762 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,762 | $147 |
| Travelers | $2,151 | $179 |
| Allstate | $2,413 | $201 |
| Nationwide | $2,744 | $229 |
| American Family | $2,830 | $236 |
| Auto Club Enterprises (AAA) | $3,840 | $320 |
| Progressive | $4,379 | $365 |
| Geico | $4,679 | $390 |
| Auto-Owners | $4,895 | $408 |
| Kemper Insurance | $7,772 | $648 |
| USAA | $1,257 | $105 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Missouri is Nationwide with an average annual cost of $1,947 or $162 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,947 | $162 |
| Travelers | $2,644 | $220 |
| State Farm | $3,031 | $253 |
| American Family | $3,072 | $256 |
| Allstate | $3,252 | $271 |
| Geico | $4,028 | $336 |
| Auto-Owners | $4,565 | $380 |
| Progressive | $5,598 | $467 |
| Auto Club Enterprises (AAA) | $7,892 | $658 |
| Kemper Insurance | $8,085 | $674 |
| USAA | $1,615 | $135 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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