- Cheapest car insurance in Missouri for a bad driving record
- How much is high-risk car insurance in Missouri?
- Cheapest car insurance in Missouri with a DUI
- Cheapest car insurance in Missouri with multiple tickets
- Cheapest car insurance in Missouri with a reckless driving conviction
- Cheapest car insurance in Missouri with bad credit
- Cheapest car insurance after an accident in Missouri
- Cheapest car insurance in Missouri by city
- How to reduce car insurance rates in Missouri for a bad driving record
- Missouri car insurance laws for high-risk drivers
- Compare Missouri high-risk driver car insurance rates with other states
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 you'll 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 |
How much is high-risk car insurance in Missouri?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Missouri, high-risk car insurance costs $2,888. However, you can get rates as low as $2,161 from Travelers.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| 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 |
PEOPLE ASK:
Who is considered high-risk for insurance in Missouri?
Each insurance company determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land you in the high-risk category.
Cheapest car insurance in Missouri with a DUI
While many insurers offer coverage after a DUI, Travelers provides the average cheapest coverage for $2,135.
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 |
Cheapest car insurance in Missouri with multiple tickets
Travelers is the cheapest car insurance company for drivers with multiple traffic tickets, with rates averaging $2,047 or $171.
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 |
Cheapest car insurance in Missouri with a reckless driving conviction
Drivers with reckless driving conviction can get the cheapest rates from Travelers at $2,135.
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 |
Cheapest car insurance in Missouri with bad credit
Nationwide offers the cheapest rates for drivers with poor credit at $1,961 or $163. However,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 |
Cheapest car insurance after an accident in Missouri
Travelers has the lowest rates after an accident at $1,993. Nationwide also has affordable rates at $2,189.
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 |
Cheapest car insurance in Missouri by city
Holts Summit has the cheapest car insurance rates in Missouri at $2,581. But the most expensive city is St. Louis with rates of $3,441.
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 |
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 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.
Missouri car insurance laws for high-risk drivers
If you're a high-risk driver in Missouri, you might need to file an SR-22. This is a form that your car insurance company sends in to show you have the required minimum insurance coverage. The court will let you know how long you need to keep the SR-22.
An SR-22 isn't a type of insurance; it's just a form. You don't need special coverage, but your rates might be higher because you're considered high-risk. Also, not all insurance companies offer coverage for high-risk drivers or handle SR-22 filings.
Compare Missouri high-risk driver car insurance rates with other states
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