Does a DWI raise car insurance rates in Missouri?
Missouri car insurance averages $2,151 with a clean driving record. However, average car insurance rates after a DWI increase to $3,571, which is $1,420 more.
Car insurance companies charge much higher rates if you are proven to be a risky driver. If you have multiple DWIs, average rates dramatically increase to $5,531.
How much does a DWI raise your insurance in Missouri?
The cheapest insurer after a DWI is Travelers, with rates averaging $2,303. The next cheapest insurer is Shelter Insurance, a difference of $577 from Travelers. GEICO has the third-most affordable car insurance rates with a DWI.
Not only is driving under the influence dangerous, but it's also expensive. You'll face hefty fines and increased car insurance rates for years. However, every company weighs a DWI differently and offers different rates, so comparing quotes from multiple insurers is essential.
This table shows average car insurance rates after a DWI in Missouri.
| Company | Annual premium for clean records | Annual premium after a DUI | Annual premium after multiple DUIs |
|---|---|---|---|
| Travelers | $1,692 | $2,303 | $3,400 |
| Shelter Insurance | $1,923 | $2,880 | $3,553 |
| GEICO | $1,952 | $3,288 | $5,002 |
| Missouri Farm Bureau Insurance | $2,772 | $3,356 | $6,374 |
| Auto Club Enterprises (AAA) | $2,980 | $4,585 | $6,140 |
| Auto-Owners | $1,825 | $4,664 | $10,076 |
| Nationwide | $2,814 | $5,258 | $7,147 |
| USAA | $1,273 | $2,234 | $2,606 |
People ask
What happens when you get a DWI in Missouri?
If you're convicted of a DWI in Missouri, the consequences are severe. For a first offense, you'll face fines and fees. Your car may also be impounded, your driver's license suspended, and car insurance rates will increase for 5 years.
If someone gets a DWI in your car, does it go on your insurance?
If someone else gets a DWI while driving your car, it goes on their record, not yours. However, your insurance could still be affected if they cause an accident and you 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. or if they regularly drive your vehicle but weren't listed on the policy.
Your insurance covers your car when someone else drives it with your permission, but violations like DWIs stay with the driver who committed them.
Additionally, your car can be declared a crime scene after an accident, so you won't have access to your vehicle until the police are ready.
How long does a DWI affect your insurance in Missouri?
A DWI affects your insurance rates in Missouri for about 5 years., but it may stay on your driving record longer. Your premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. will slowly go down if you avoid more violations and maintain continuous coverage.
Insurance companies look at your recent driving history when setting your rates. Each company has its own rules for how long it considers a DWI.
As time passes, your rates will improve, depending on your insurer and your overall record.
It is a good idea to compare quotes at renewal because another company may stop charging extra for your DWI sooner.
People ask
Will I have difficulty getting car insurance after a DWI?
It may be more challenging to find affordable car insurance after a DWI, especially if you have multiple convictions. However, if you already have car insurance, your insurer will likely continue your coverage. Since insurance rates will increase after a DWI, you may consider shopping for new coverage to compare rates..
How much does a DWI raise insurance by age group?
Younger drivers pay higher insurance rates than mature drivers since they lack experience behind the wheel. While a DWI increases rates significantly, younger drivers' car insurance rates skyrocket after a conviction. The average cost of car insurance for a teen with a DWI is $6,168.
These are the cheapest companies after a DWI by age:
- For teens: Travelers is the cheapest at $6,168.
- For young adults: Travelers offers the cheapest young adult coverage at $2,560.
- For adults: Travelers, with an average rate of $2,303.
- For seniors: Travelers has the most affordable average rate at $2,255.
This table shows how a DWI affects car insurance rates based on age group.
| Company | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % Increase |
|---|---|---|---|---|
| Travelers | $4,608 | $6,168 | $1,560 | 34% |
| Shelter Insurance | $5,595 | $7,976 | $2,381 | 43% |
| GEICO | $5,957 | $9,478 | $3,521 | 59% |
| Missouri Farm Bureau Insurance | $6,656 | $11,810 | $5,154 | 77% |
| Nationwide | $9,399 | $11,865 | $2,466 | 26% |
| Auto-Owners | $6,360 | $13,399 | $7,039 | 111% |
| Auto Club Enterprises (AAA) | $10,667 | $17,103 | $6,436 | 60% |
| USAA | $3,040 | $4,915 | $1,875 | 62% |
How much does a DWI raise your insurance in your city?
A DWI will affect your insurance differently depending on your city in Missouri. Columbia has the lowest average rate, while St. Louis has the highest at $4,161, largely due to local risk factors. Insurers consider traffic levels, accident frequency, theft rates, weather risks and repair costs when setting premiums.
This table shows average DWI car insurance rates by city. Compare rates in large cities to rural areas to see how your location impacts rates.
| City | Annual premium for clean record | Annual premium after a DUI | Dollar increase | % increase |
|---|---|---|---|---|
| Columbia | $1,933 | $3,204 | $1,271 | 66% |
| O'Fallon | $1,932 | $3,204 | $1,272 | 66% |
| St. Charles | $1,974 | $3,275 | $1,301 | 66% |
| Springfield | $2,005 | $3,332 | $1,327 | 66% |
| Lee's Summit | $2,043 | $3,390 | $1,347 | 66% |
| Blue Springs | $2,049 | $3,400 | $1,351 | 66% |
| St. Joseph | $2,076 | $3,440 | $1,364 | 66% |
| Independence | $2,217 | $3,684 | $1,467 | 66% |
| Kansas City | $2,349 | $3,875 | $1,526 | 65% |
| St. Louis | $2,528 | $4,161 | $1,633 | 65% |
How to get car insurance after a DWI in Missouri
Insurers will label you as a high-risk driver, but you can still get car insurance after a DWI in Missouri. You can stay with your current insurer or look for companies that cover high-risk drivers. Start by checking if you need to file any state forms, then compare quotes from several insurers.
If you have car insurance and get a DWI, your insurer will probably continue to offer coverage. However, your rates will increase on renewal.
If you need car insurance after a DWI or want to find the lowest rates, shop around for coverage. Compare quotes from multiple insurers to find the most affordable policy in Missouri, since each insurer offers different rates after a DWI.
Missouri DWI insurance requirements and penalties
A DWI in Missouri means you must meet specific requirements for high-risk drivers. In Missouri, you will need an SR-22. A DWI can lead to fines, a driver's license suspension, car impoundment, and jail time. Multiple offenses have more severe penalties. Additionally, you may have to pay lawyer fees, towing charges, and impound fees.
The table below indicates Missouri DWI laws and penalties based on first and subsequent offenses.
| Increased penalty for high BAC | 0.15 |
| Administrative license suspension after a first offense | 90 days |
| Limited driving privileges during suspension | After 30 days (restricted) |
| Ignition interlocks | Mandatory for repeat convictions |
| Open container laws | No |
| Repeat offender laws | Yes |
*BAC is blood alcohol concentration
How long after a DWI does your insurance go down?
Missouri drivers can expect to pay higher car insurance rates after a DWI for 5 years.
If you avoid new tickets, accidents, and lapses in coverage, your rates should improve over time. Still, the DWI can affect your eligibility for certain insurers or discounts even after your rate starts to drop.
It is a good idea to compare quotes at each renewal. Another insurer may offer a lower rate sooner than your current one.
Tips to save money after a DWI
You can save money after a DWI by comparing quotes, avoiding additional violations and taking advantage of discounts. While these steps will not remove the DWI, they can help reduce your overall costs.
While your rates will remain higher for a period, these steps can significantly reduce how much you pay.
- Raise your deductible to lower rates
- Look for car insurance discounts, like multi-policy and vehicle safety feature savings
- Keep your driving record clean going forward
- Take a defensive driving course
- Improve your credit score
- Compare rates from multiple companies
Methodology
Insurance.com commissioned car insurance rates in all 50 states and Washington, D.C., through our data partner, Quadrant Information Services. 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.
Base rate averages are based on our full coverage data setand the following parameters:
- 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
Additional rate data is drawn based on:
- Ages ranging from 16 to 75
- Rates after a DWI
Missouri DWI insurance: Frequently asked questions
How far back do insurance companies look for a DWI?
DWIs can stay on your driving record for up to 10 years, depending on your state. Typically, a DWI stops affecting car insurance rates in three to five years.
Will my insurance drop me after a DWI in Missouri?
Most insurers won't drop you after one DWI, but rates will increase significantly. However, multiple DWIs may cause your insurer to refuse coverage. The more risk you pose, the more challenging it is to get car insurance.
Do you need an SR-22 after a DWI in Missouri?
Yes, you need an SR-22 after a DWI in Missouri to prove that you carry the state's minimum required insurance coverage. Your insurance company files the form on your behalf. While the filing fee is small, your overall insurance rates will likely increase significantly due to the DWI conviction.
Can you get full coverage car insurance after a DWI?
Yes, you can get full coverage car insurance after a DWI, but it will generally cost more and fewer insurers may be willing to offer it. Full coverage includes liability, collision and comprehensive insurance. Comparing quotes from several companies can help you find the best coverage at a more affordable rate.
Compare Missouri DUI car insurance rates with other states
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