Auto Insurance: Missouri Vs Illinois, Who's Cheaper?

Auto insurance rates vary depending on factors such as location, age, driving history, and credit score. In Missouri, the average cost of car insurance is $2,055 per year, while in Illinois, the average cost is $1,266 per year. This means that auto insurance in Missouri is more expensive than in Illinois. However, it is important to note that rates can vary within each state depending on individual factors. To find the cheapest auto insurance for your specific situation, it is recommended to compare quotes from multiple insurance providers in your area.

Cheapest car insurance in Missouri for minimum coverage

According to ValuePenguin, Progressive offers the cheapest minimum liability insurance in Missouri, at $40 per month. However, USAA is the cheapest option for military members, veterans, and their families, with rates as low as $24 per month.

NerdWallet's analysis found that Geico offers the cheapest rates in Missouri for minimum coverage car insurance, with an average rate of $289 per year for a 35-year-old driver with a clean driving record.

The average cost of minimum coverage in Missouri is $506 per year, or $42 per month.

When looking for the cheapest car insurance in Missouri, it is important to compare rates from multiple insurers, as rates can vary depending on factors such as age, driving record, and credit score.

Cheapest car insurance in Missouri for full coverage

Auto insurance in Missouri is cheaper than the national average. The average cost of full-coverage car insurance in Missouri is $159 per month, while the national average is $164 per month. The average cost of minimum-coverage car insurance in Missouri is $57 per month, compared to the national average of $64 per month.

According to NerdWallet, American Family offers the cheapest full-coverage car insurance in Missouri, with an average rate of $1,396 per year. The average cost of full-coverage car insurance in Missouri is $1,973 per year, or $164 per month.

ValuePenguin, on the other hand, claims that State Farm has the cheapest full-coverage car insurance in Missouri, at $122 per month. The average cost of car insurance in Missouri is $159 per month for full coverage, so State Farm is 23% cheaper than the state average.

MarketWatch also found that USAA has the cheapest car insurance in Missouri, at $112 per month and $1,342 per year for full coverage.

Cheapest Car Insurance in Missouri for Minimum Coverage

According to ValuePenguin, Progressive has the cheapest minimum-liability insurance in Missouri, at just $40 per month. State Farm is another good option, at $46 per month.

Best Cheap Car Insurance Companies in Missouri

• State Farm
• Progressive
• American Family
• USAA (only available to military members, veterans, and their families)

Cheapest car insurance in Missouri for drivers with prior incidents

The cost of car insurance in Missouri depends on several factors, including age, driving history, and credit score. For drivers with prior incidents on their record, USAA and Electric Insurance Company offer lower insurance premiums. Progressive is also a good option for high-risk drivers.

For drivers with a speeding ticket, USAA and Electric offer affordable rates. Electric also has lower average rates for drivers with an at-fault accident.

Young drivers with prior incidents may find affordable rates with USAA, Electric, and Progressive.

Cheapest car insurance for young drivers in Missouri

The cost of car insurance for young drivers in Missouri depends on their age, gender, driving history, and credit score. Here is a breakdown of the cheapest options for different age groups:

Cheapest for 16-Year-Olds

For 16-year-olds, the cheapest full-coverage insurance is offered by Missouri Farm Bureau Insurance, followed by Auto-Owners Insurance. For minimum coverage, USAA and Missouri Farm Bureau Insurance provide the lowest rates.

Cheapest for 18-Year-Olds

USAA, Travelers, and Auto-Owners Insurance offer the most affordable full-coverage insurance for 18-year-olds. For minimum coverage, Missouri Farm Bureau Insurance and Auto-Owners Insurance are the cheapest options.

Cheapest for 21-Year-Olds

For 21-year-olds, USAA offers the lowest rates for minimum coverage, while Auto-Owners Insurance and Missouri Farm Bureau Insurance provide the cheapest full-coverage insurance.

Cheapest for 25-Year-Olds

USAA, Travelers, and Auto-Owners Insurance are the most affordable options for both full-coverage and minimum coverage insurance for 25-year-olds.

In addition to age, other factors such as driving history and credit score can impact insurance rates. For example, young drivers with poor credit may find higher rates, and those with speeding tickets or accidents on their record will likely see an increase in their premiums. It's recommended to shop around and compare quotes from multiple insurers to find the best rates, as prices can vary significantly between companies.

Cheapest car insurance rates by city in Missouri

The cost of car insurance in Missouri varies depending on the city. Lebanon, in the Ozarks, has the cheapest car insurance in the state, with an average of $139 per month for full coverage. In contrast, residents of Glasgow Village, in northeast St. Louis County, pay the most for car insurance, with an average of $238 per month.

Other factors that influence car insurance rates in Missouri include age, driving record, and credit score. For example, young drivers typically pay more for car insurance than older adults. Additionally, drivers with a clean driving record may qualify for lower rates than those with a history of speeding tickets or accidents. When comparing insurance rates, it is important to consider the level of coverage, as minimum liability insurance may not provide sufficient protection in the event of a major accident.

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