Cheapest car insurance for high-risk drivers in Missouri

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

Drivers with a poor record in Missouri will find the lowest rates from Travelers, Nationwide and Progressive. Among these, Travelers provides the lowest annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $2,161 annually.

If you have accidents, DUIs or traffic tickets on your driving record, you'll likely pay higher insurance rates. Most traffic violations can impact your rates for three to five years, while a DUI can raise your rates for up to 10 years and may remain on your record for life.

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 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?

Although many insurance companies provide coverage after a DUI, Travelers offers the most affordable rate at $2,135 a year.

Driving under the influence (DUI) is a serious traffic violation that damages your driving record. It can raise auto insurance premiums for nearly 10 years, on top of fines and other penalties. Multiple DUIs drive rates even higher, but consistent safe driving over time can gradually lead to lower premiums.

The table below compares average car insurance premiums in Missouri for drivers with a clean record versus those with a DUI.

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 is the cheapest car insurance company for drivers with multiple traffic tickets, with an average rate of $2,047 a year or $171 a month.

While one traffic ticket can affect car insurance rates, multiple tickets can significantly increase those rates. Failure to obey speed limits and traffic laws leads insurers to believe they will eventually have to pay claims due to 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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Key insight

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

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

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

A single ticket can raise your car insurance premiums, but multiple tickets will push them even higher. Repeatedly violating speed limits and other traffic laws signals risky behavior, increasing the likelihood that insurers will have to pay claims.

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.

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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Key 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 offers the lowest rates after an accident, averaging $1,993 per year. Nationwide is another budget-friendly option, with rates around $2,189 a year.

Drivers with accidents on their record usually pay higher insurance premiums than drivers with a clean record. A single accident can raise your rates, and multiple accidents can push them even higher.

This table shows car insurance rates for drivers with a clean record, a single 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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Key insight

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

Which city has the cheapest car insurance for high-risk drivers in Missouri?

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

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's 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: