Cheapest car insurance for high-risk drivers in Missouri

Cheapest car insurance in Missouri for a bad driving record

Travelers, Nationwide, Progressive provides affordable car insurance for high-risk drivers with bad driving record in Missouri.

Traffic infractions, accidents and DUIs wind up on your driving record, meaning youll pay higher car insurance rates in addition to any fines assessed. While most violations only affect your insurance rates for a few years, a DUI may affect rates for a decade and never be removed from your record.

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?

In Missouri, the average cost of high-risk car insurance is $2,888 per year. However, you may secure coverage from Travelers for as low as $2,161 annually. Even with a problematic driving record or poor credit score, affordable policies are available.

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 getting one for speeding in a school zone will boost 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 high-risk for insurance 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.

Cheapest car insurance in Missouri with a DUI

While many insurers offer coverage after a DUI, Travelers has the lowest rate at $2,135 a year.

Driving under the influence (DUI) is a major traffic violation that will hurt your driving record. It can increase auto insurance rates for almost a decade in addition to fines and other penalties. Multiple DUIs will increase your premiums even more, but improving your driving habits can help you get better rates over time.

The table below shows the average car insurance rates for a clean record vs. 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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Cheapest car insurance in Missouri with multiple tickets

The cheapest insurer for drivers with multiple tickets is Travelers, with rates averaging $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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Cheapest car insurance in Missouri with a reckless driving conviction

Travelers has the cheapest rates for drivers with reckless driving convictions at $2,135 a year.

If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.

The table below shows car insurance rates for drivers with a clean record vs. drivers with 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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Cheapest car insurance in Missouri with bad credit

The cheapest Missouri insurer for bad credit is Nationwide, with rates averaging $1,961 annually or $163 monthly. Fortunately, drivers with bad credit can still find affordable auto insurance.

Although unrelated to your performance behind the wheel, your credit score also impacts car insurance rates and can put you in the high-risk category. To an insurance company, high-risk means more likely to file 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 statistically, drivers with a low credit score fit that description.

Check out 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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Cheapest car insurance after an accident in Missouri

Travelers has the lowest average rates after an accident at $1,993 a year. Nationwide also offers affordable rates, averaging $2,189 per year.

Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.

This table shows rates for drivers with a clean 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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Cheapest car insurance in Missouri by city

Holts Summit has the cheapest car insurance rates in Missouri at $2,581 per year. But the most expensive city is St. Louis with rates of $3,441 per year.

Your location in Missouri also matters. For example, if you live in an area with heavy traffic or a high vehicle theft rate, rates will reflect the increased chance of claims.

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 to reduce car insurance rates in Missouri for a bad driving record

Finding affordable car insurance in Missouri is possible, even with a bad driving record. 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.
Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
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 California 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.

Missouri car insurance laws for high-risk drivers

If you're considered a high-risk driver in Missouri, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.

Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.

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:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.