{Best|Finest} {Cheap|Inexpensive|Low-cost} {Car|Vehicle|Automobile|Cars And Truck} {Insurance|Insurance Coverage} in Missouri for 2020 – NerdWallet

{If you’re {looking for|searching for|trying to find} {cheap|inexpensive|low-cost} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} in Missouri, it pays to {really|truly|actually} look.|It pays to {really|truly|actually} look if you’re looking for {cheap|inexpensive|low-cost} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} in Missouri.} {Insurance|Insurance coverage} {costs|expenses} can {{rise and fall|fluctuate}|fall and {rise|increase}} from one {company|business} to the next for {seemingly|relatively|apparently} no {reason|factor}, so you {could|might} be {overspending|spending too much|spending beyond your means} by {settling for|going for|opting for|choosing} the {initial|preliminary} quote you {find|discover}.

To {help|assist} Missouri {drivers|chauffeurs|motorists} {nab|snatch|capture|catch} {the best|the very best} {deal|offer}, NerdWallet {researched|investigated|looked into} rates from the 12 {largest|biggest} {insurers|insurance providers|insurance companies} in the state and {found|discovered} the {five|5} {cheapest|most affordable|least expensive|most inexpensive} {options|choices|alternatives} for {several|a number of|numerous} {driver|chauffeur|motorist} types.

{Cheapest|Most affordable|Least expensive|Most inexpensive} for {good|great|excellent} {drivers|chauffeurs|motorists} in Missouri

For Missouri {drivers|chauffeurs|motorists} with {good|great|excellent} credit and {a clean|a tidy} driving history, the {cheapest|most affordable|least expensive|most inexpensive} {insurance companies|insurance provider|insurer} and their {average|typical} rates for {full|complete} {coverage|protection} are:

1. Safeco: $1,011 {per year|annually|each year}.
2. Missouri Farm Bureau: $1,090 {per year|annually|each year}.
3. Nationwide: $1,127 {per year|annually|each year}.
4. Allstate: $1,343 {per year|annually|each year}.
5. American {Family|Household}: $1,427 {per year|annually|each year}.

{Drivers|Chauffeurs|Motorists} {with no|without any} {recent|current} {accidents|mishaps} or {violations|infractions|offenses} can get {cheaper|less expensive|more affordable} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} rates for having {good|great|excellent} credit. For this {calculation|computation|estimation}, NerdWallet {averaged|balanced} rates for 40-year-old {men and women|males and females} with {a clean|a tidy} driving record and {good|great|excellent} credit. In {terms of|regards to} driving and {credit history|credit rating|credit report}, {a large|a big} {portion|part} of {drivers|chauffeurs|motorists} are closest to this profile, which {carries|brings} {standard|basic} “{full|complete} {coverage|protection}” {insurance|insurance coverage}, {including|consisting of} {comprehensive|extensive|detailed|thorough} and {collision|accident|crash}, {along with|together with|in addition to} state-required {coverage|protection}. {Prices|Costs|Rates} {shown|revealed} {include|consist of} {a good|a great|an excellent} {driver|chauffeur|motorist} {discount|discount rate}, when {available|offered|readily available} from the {insurer|insurance provider|insurance company}.

{Cheapest|Most affordable|Least expensive|Most inexpensive} for minimum {coverage|protection} in Missouri

For bare-bones {coverage|protection}, these are the {cheapest|most affordable|least expensive|most inexpensive} {options|choices|alternatives} we {found|discovered} for Missouri {drivers|chauffeurs|motorists} with {clean|tidy} credit and driving records, ranked by their {average|typical} rates for minimum {required|necessary} {auto|car|automobile|vehicle} {insurance|insurance coverage}:

1. Missouri Farm Bureau: $315 {per year|annually|each year}.
2. Safeco: $360 {per year|annually|each year}.
3. State Farm: $460 {per year|annually|each year}.
4. Progressive: $525 {per year|annually|each year}.
5. Shelter: $578 {per year|annually|each year}.

We {calculated|determined|computed} these numbers by {averaging|balancing} rates for 40-year-old {good|great|excellent} {drivers|chauffeurs|motorists} ({earning|making} them {a discount|a discount rate} if the {insurer|insurance provider|insurance company} {offers|provides|uses} one) who have {only|just} the minimum {mandatory|obligatory|necessary|compulsory} {insurance|insurance coverage} in their state. Such light {coverage|protection} isn’t {typically|generally|usually|normally} {recommended|suggested|advised} {since|because|considering that|given that} it {might|may} not cover all the {bills|expenses|costs} {resulting from|arising from} {a car|a vehicle|an automobile|a cars and truck} {accident|mishap}, {but|however} it’s {better|much better} than {nothing|absolutely nothing}– {especially|particularly|specifically} if you can’t {afford|pay for|manage} {much more|a lot more|far more}. If you’re {looking for|searching for|trying to find} the {cheapest|most affordable|least expensive|most inexpensive} possible {insurance|insurance coverage} you can get, {though|however}, you’ll still {want to|wish to} get {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} {quotes|estimates|prices quote|prices estimate} from {at least|a minimum of} {three|3} {auto|car|automobile|vehicle} {insurers|insurance providers|insurance companies}.

{Cheapest|Most affordable|Least expensive|Most inexpensive} for {good|great|excellent} {drivers|chauffeurs|motorists} with {poor|bad} credit

{A good|A great|An excellent} {driver|chauffeur|motorist} with blemished credit in Missouri {may|might} {want to|wish to} {check out|have a look at|take a look at} these {insurance companies|insurance provider|insurer}, which returned the {cheapest|most affordable|least expensive|most inexpensive} {average|typical} rates for {full|complete} {coverage|protection}:

1. Nationwide: $1,566 {per year|annually|each year}.
2. Missouri Farm Bureau: $1,830 {per year|annually|each year}.
3. Safeco: $2,010 {per year|annually|each year}.
4. Allstate: $2,256 {per year|annually|each year}.
5. American {Family|Household}: $2,461 {per year|annually|each year}.

{If you have a spotty {credit history|credit rating|credit report}, it{‘s important| is essential| is very important| is necessary} to {shop around|look around|search} to {find|discover} the {cheapest|most affordable|least expensive|most inexpensive} {auto|car|automobile|vehicle} {insurance|insurance coverage} rates you can.|It’s {important|essential|crucial} to {shop|go shopping} around to {find|discover} the {cheapest|most affordable|least expensive|most inexpensive} {auto|car|automobile|vehicle} {insurance|insurance coverage} rates you can if you have a spotty credit history.} Poor credit can have {a bigger|a larger} {effect|impact|result} on {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} premiums than even a DUI conviction or {a recent|a current} at-fault crash, {but|however} {prices|costs|rates} {vary|differ} by {insurer|insurance provider|insurance company}. To {calculate|determine|compute} these figures, NerdWallet {averaged|balanced} rates for 40-year-olds with {a clean|a tidy} driving record and associated {good|great|excellent} {driver|chauffeur|motorist} {discount|discount rate}, if the {insurer|insurance provider|insurance company} {offered|provided|used} one. They had {poor|bad} credit as reported to their {insurer|insurance provider|insurance company}, and {standard|basic} ” {full|complete} {coverage|protection}” {car|vehicle|automobile|cars and truck} {insurance|insurance coverage}.

{Cheapest|Most affordable|Least expensive|Most inexpensive} for {drivers|chauffeurs|motorists} with one at-fault crash

For Missouri {drivers|chauffeurs|motorists} who{‘ve| have actually} {recently|just recently} {caused|triggered} a wreck, these are the {cheapest|most affordable|least expensive|most inexpensive} {insurers|insurance providers|insurance companies} and their {average|typical} rates for {full|complete} {coverage|protection} {auto|car|automobile|vehicle} policies:

1. Missouri Farm Bureau: $1,180 {per year|annually|each year}.
2. Safeco: $1,409 {per year|annually|each year}.
3. American {Family|Household}: $1,435 {per year|annually|each year}.
4. State Farm: $1,748 {per year|annually|each year}.
5. Allstate: $1,808 {per year|annually|each year}.

After {a relatively|a fairly|a reasonably} {minor|small} crash, some {auto|car|automobile|vehicle} {insurers|insurance providers|insurance companies} will charge a lot more than others for {coverage|protection}. To get these figures, we {averaged|balanced} rates for 40-year-olds with {typical|common|normal} “{full|complete} {coverage|protection}” {insurance|insurance coverage} and one {recent|current} at-fault crash costing $10,000 in {property|residential or commercial property|home} damage. Your rates will {remain|stay} high for {three|3} to {five|5} years after you {cause|trigger} {an accident|a mishap} or have a moving {violation|infraction|offense}– and you still {may|might} be {rejected|declined|turned down} for {coverage|protection} from {certain|specific|particular} {companies|business}, {including|consisting of} those above. If you {fall into|fall under} this {category|classification}, {be sure|make sure|make certain} to {shop for|look for|purchase|buy} {new|brand-new} {insurance|insurance coverage} rates {just|simply} after the {three-year and five-year|five-year and three-year} anniversaries of your {infraction|offense|violation}.

{Cheapest|Most affordable|Least expensive|Most inexpensive} {insurance|insurance coverage} after a DUI in Missouri

For a Missourian whose driving record {includes|consists of} {a recent|a current} DUI, here are the {cheapest|most affordable|least expensive|most inexpensive} {car|vehicle|automobile|cars and truck} {insurance companies|insurance provider|insurer} we {found|discovered}, {along with|together with|in addition to} their {average|typical} rates for {full|complete} {coverage|protection}:

1. Missouri Farm Bureau: $1,360 {per year|annually|each year}.
2. American {Family|Household}: $1,435 {per year|annually|each year}.
3. Safeco: $1,455 {per year|annually|each year}.
4. Allstate: $1,770 {per year|annually|each year}.
5. Progressive: $1,928 {per year|annually|each year}.

A conviction for driving under the {influence|impact}, or DUI, {generally|typically|normally|usually} {results in|leads to} {higher|greater} {auto|car|automobile|vehicle} {insurance|insurance coverage} premiums than {before|previously|in the past}. NerdWallet {analyzed|evaluated|examined} rates for 40-year-old {drivers|chauffeurs|motorists} and {standard|basic} “{full|complete} {coverage|protection}” {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} with {a recent|a current} DUI conviction to see which {companies|business} were {cheapest|most affordable|least expensive|most inexpensive}. Be {warned|cautioned|alerted} that you {may|might} be {rejected|declined|turned down} for {coverage|protection}, {including|consisting of} from the {companies|business} {listed|noted} above. Rates can {vary|differ} by hundreds {between|in between} {carriers|providers} after a DUI, and some {penalize|punish} for longer than others, so it{‘s important| is essential| is very important| is necessary} to {shop around|look around|search} {for the best|for the very best} {available|offered|readily available} {price|cost|rate} right after you see {a price|a cost|a rate} {hike|walking} and each year after that.

{Cheapest|Most affordable|Least expensive|Most inexpensive} {insurance|insurance coverage} after a ticket in Missouri

After a speeding ticket, the {cheapest|most affordable|least expensive|most inexpensive} {insurers|insurance providers|insurance companies} and {average|typical} rates in Missouri for {full|complete} {coverage|protection} are:

1. Missouri Farm Bureau: $1,135 {per year|annually|each year}.
2. Safeco: $1,258 {per year|annually|each year}.
3. Nationwide: $1,323 {per year|annually|each year}.
4. American {Family|Household}: $1,435 {per year|annually|each year}.
5. Allstate: $1,534 {per year|annually|each year}.

Getting a speeding ticket will {result in|lead to} {higher|greater} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} rates from {most|many|a lot of|the majority of} {companies|business} for {three|3} to {five|5} years. To see who has the {cheapest|most affordable|least expensive|most inexpensive} rates, we {calculated|determined|computed} {average|typical} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} rates for 40-year-old {drivers|chauffeurs|motorists} with “{full|complete} {coverage|protection}” {insurance|insurance coverage} and {a recent|a current} ticket for speeding 16 {mph|miles per hour} over the {limit|limitation}. {Though these {larger|bigger} {companies|business} were the {cheapest|most affordable|least expensive|most inexpensive} we {found|discovered} {on average|typically|usually}, others {may|might} be {cheaper|less expensive|more affordable} for you, so {be sure|make sure|make certain} to get at least {three|3} quotes {before|prior to} {deciding on|choosing|selecting|picking} {a carrier|a provider}.

| These {larger|bigger} {companies|business} were the {cheapest|most affordable|least expensive|most inexpensive} we {found|discovered} on average, others {may|might} be {cheaper|less expensive|more affordable} for you, so be sure to get at least {three|3} quotes {before|prior to} {deciding|choosing} on {a carrier|a provider}.

} {Cheapest|Most affordable|Least expensive|Most inexpensive} for couples and {families|households} in Missouri

In addition to {singles|songs}, NerdWallet {also|likewise} {analyzed|evaluated|examined} rates for couples and {families|households} in Missouri, and the {cheapest|most affordable|least expensive|most inexpensive} {insurance companies|insurance provider|insurer} weren’t the {same|exact same|very same}. Each {insurer|insurance provider|insurance company} {applies|uses} rates and {discounts|discount rates} in {different|various} {ways|methods}, so the {company|business} with {the best|the very best} {price|cost|rate} for {one person|a single person|someone} isn’t {always|constantly} {cheapest|most affordable|least expensive|most inexpensive} for {a family|a household}, with {multiple|several|numerous} {drivers|chauffeurs|motorists} and more than one {car|vehicle|automobile|cars and truck}. If you get {married|wed}, {add|include} {a driver|a chauffeur|a motorist} to your policy or have any other {big|huge} {change|modification} in your life, it’s {smart|wise|clever} to {shop for|look for|purchase|buy} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} {quotes|estimates|prices quote|prices estimate} to {make sure|ensure|make certain} you’re getting {the best|the very best} possible rate for your {new|brand-new} {circumstances|situations|scenarios}.

{Cheapest|Most affordable|Least expensive|Most inexpensive} for {a married couple|a couple} in Missouri

For {a husband and wife|a couple}, both 50 years old, who are {insuring|guaranteeing} {two|2} {vehicles|cars|automobiles|lorries} with {full|complete} {coverage|protection} in Missouri, these are the {cheapest|most affordable|least expensive|most inexpensive} {companies|business} we {found|discovered} and their {average|typical} rates, {assuming|presuming} {clean|tidy} credit and driving records:

1. Geico: $1,028 {per year|annually|each year}.
2. Safeco: $1,368 {per year|annually|each year}.
3. Allstate: $1,617 {per year|annually|each year}.
4. Nationwide: $1,771 {per year|annually|each year}.
5. Missouri Farm Bureau: $1,810 {per year|annually|each year}.

Couples who {live together|cohabit} can {save on|save money on|minimize} {auto|car|automobile|vehicle} {insurance|insurance coverage} by {combining|integrating} policies, whether they are {married|wed} or not, {because|since|due to the fact that} they can {earn|make} {multi-car and multi-driver|multi-driver and multi-car} {discounts|discount rates}. Once they {tie the knot|get married}, rates can dip {further|even more}, {but|however} not {because|since|due to the fact that} of {discounts|discount rates}– {insurers|insurance providers|insurance companies} see married {people|individuals} as less {risky|dangerous} {and so|therefore} charge them lower rates. Our {hypothetical|theoretical} 50-year-old couple’s {clean|tidy} driving record {also|likewise} {earns|makes} them both {a good|a great|an excellent} {driver|chauffeur|motorist} {discount|discount rate}.

{Cheapest|Most affordable|Least expensive|Most inexpensive} for {families|households} with {a teen|a teenager} in Missouri

For a 50-year-old Missouri couple plus an 18-year-old {driver|chauffeur|motorist}, the {cheapest|most affordable|least expensive|most inexpensive} {insurers|insurance providers|insurance companies} and {average|typical} rates for {full|complete} {coverage|protection} are:

1. Geico: $1,485 {per year|annually|each year}.
2. Allstate: $2,519 {per year|annually|each year}.
3. Safeco: $2,614 {per year|annually|each year}.
4. Nationwide: $3,092 {per year|annually|each year}.
5. Shelter: $3,346 {per year|annually|each year}.

{Adding|Including} {a teen|a teenager} with {two|2} years’ driving experience to {a married couple|a couple}’s policy {is sure|makes sure|makes certain} to {cause|trigger} {a big|a huge} {jump|dive} in rates. {Since|Because|Considering that|Given that} {different|various} {insurers|insurance providers|insurance companies} tend to see {a teen|a teenager}’s {inexperience|lack of experience} in {different|various} {ways|methods}, we {analyzed|evaluated|examined} rates to see which {companies|business} had the {cheapest|most affordable|least expensive|most inexpensive} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} for {teens|teenagers}. These rates are {averaged|balanced} for 50-year-old couples with {male and female|female and male} 18-year-old {drivers|chauffeurs|motorists}.

{Cheapest|Most affordable|Least expensive|Most inexpensive} for young {drivers|chauffeurs|motorists} in Missouri

{Drivers|Chauffeurs|Motorists} in their 20s {may|might} {think|believe} {cheap|inexpensive|low-cost} {auto|car|automobile|vehicle} {insurance|insurance coverage} is an impossibility. {Compared with|Compared to} {people|individuals} with more experience behind the wheel, young {drivers|chauffeurs|motorists} are {likely|most likely} to pay {higher|greater} rates– {but|however} some {companies|business} will be {cheaper|less expensive|more affordable} for them than others. {That’s {because|since|due to the fact that} each {insurer|insurance provider|insurance company} {considers|thinks about} {factors|elements|aspects} like age and experience {differently|in a different way} when setting rates.|{Because|Since|Due to the fact that} each {insurer|insurance provider|insurance company} {considers|thinks about} {factors|elements|aspects} like age and experience {differently|in a different way} when setting rates, that’s.} To see which ones are {cheapest|most affordable|least expensive|most inexpensive} for young {drivers|chauffeurs|motorists}, we {checked|inspected|examined} rates for 25-year-olds in Missouri.

{Cheapest|Most affordable|Least expensive|Most inexpensive} {full|complete} {coverage|protection} for young {good|great|excellent} {drivers|chauffeurs|motorists}

For a 25-year-old in Missouri with {a clean|a tidy} driving history and {good|great|excellent} credit, the {cheapest|most affordable|least expensive|most inexpensive} {auto|car|automobile|vehicle} {insurers|insurance providers|insurance companies} and {average|typical} rates for {full|complete} {coverage|protection} are:

1. Safeco: $1,224 {per year|annually|each year}.
2. Missouri Farm Bureau: $1,267 {per year|annually|each year}.
3. Nationwide: $1,323 {per year|annually|each year}.
4. Allstate: $1,463 {per year|annually|each year}.
5. American {Family|Household}: $1,630 {per year|annually|each year}.

{Drivers|Chauffeurs|Motorists} in their 20s can have {a hard time|a difficult time|a tough time} {finding|discovering} {cheap|inexpensive|low-cost} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage}, {and that|which}’s even truer when they {need|require} {full|complete} {coverage|protection}. The rates above are averages for 25-year-old male and female {drivers|chauffeurs|motorists} with {comprehensive|extensive|detailed|thorough} and {collision|accident|crash} {coverages|protections}, which are {often|frequently|typically} {required|needed} for {drivers|chauffeurs|motorists} with active {auto|car|automobile|vehicle} loans or leases. These rates {reflect|show} {a good|a great|an excellent} {driver|chauffeur|motorist} {discount|discount rate}. Young {drivers|chauffeurs|motorists}, like all {drivers|chauffeurs|motorists}, {should|ought to|must|need to} {check|inspect|examine} {several|a number of|numerous} quotes to {find|discover} the {cheapest|most affordable|least expensive|most inexpensive} for the {coverage|protection} levels they {need|require}.

{Cheapest|Most affordable|Least expensive|Most inexpensive} minimum {coverage|protection} for young {good|great|excellent} {drivers|chauffeurs|motorists}

For a young {driver|chauffeur|motorist} who {wants|desires} Missouri’s minimum {required|necessary} {auto|car|automobile|vehicle} {insurance|insurance coverage}, the {cheapest|most affordable|least expensive|most inexpensive} {companies|business} and {average|typical} rates are:

1. Missouri Farm Bureau: $366 {per year|annually|each year}.
2. Safeco: $444 {per year|annually|each year}.
3. State Farm: $526 {per year|annually|each year}.
4. Progressive: $560 {per year|annually|each year}.
5. Allstate: $641 {per year|annually|each year}.

{Since|Because|Considering that|Given that} {young people|youths} {often|frequently|typically} have {fewer|less} {assets|possessions|properties} to {protect|safeguard|secure} with liability {insurance|insurance coverage}, they can {usually|typically|normally|generally} get away with lower {coverage|protection} {limits|limitations}. For {an age group|an age} with {relatively|fairly|reasonably} high {insurance|insurance coverage} rates {on average|typically|usually}, that’s {good|great|excellent} news, keeping rates as low as possible. For this {price|cost|rate} set, we {averaged|balanced} rates for 25-year-old male and female {drivers|chauffeurs|motorists} who have {clean|tidy} driving records, {good|great|excellent} credit and bare-bones insurance {coverage|protection}.

Poor credit and minimum {coverage|protection}

For a 25-year-old in Missouri with {a good|a great|an excellent} driving history and {poor|bad} credit, these are the {cheapest|most affordable|least expensive|most inexpensive} {insurers|insurance providers|insurance companies} and their {average|typical} rates for minimum {coverage|protection}:

1. Missouri Farm Bureau: $617 {per year|annually|each year}.
2. Safeco: $822 {per year|annually|each year}.
3. Allstate: $972 {per year|annually|each year}.
4. Geico: $979 {per year|annually|each year}.
5. Nationwide: $1,061 {per year|annually|each year}.

Poor credit {is common|prevails} for {younger|more youthful} folks {just|simply} {starting out|beginning|starting}, who {may|might} still be {building|developing|constructing} their credit files. That can increase rates {further|even more}, so it’s {extra|additional} {important|essential|crucial} to {shop around|look around|search} and compare as {many|numerous|lots of} {insurance|insurance coverage} {quotes|estimates|prices quote|prices estimate} as possible to {find|discover} the {cheapest|most affordable|least expensive|most inexpensive} you can get. For these {prices|costs|rates}, we {averaged|balanced} rates for 25-year-old male and female {drivers|chauffeurs|motorists} {with no|without any} {recent|current} {accidents|mishaps} or {violations|infractions|offenses} ({earning|making} them {a good|a great|an excellent} {driver|chauffeur|motorist} {discount|discount rate}), minimum {coverage|protection} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage}, and credit in the “{poor|bad}” tier as reported to {an insurer|an insurance provider|an insurance company}.

{Cheapest|Most affordable|Least expensive|Most inexpensive} for minimum {coverage|protection} after a crash

When a young Missouri {driver|chauffeur|motorist} has {a recent|a current} at-fault {accident|mishap} on record, the {cheapest|most affordable|least expensive|most inexpensive} {insurers|insurance providers|insurance companies} and {average|typical} rates for minimum {coverage|protection} are:

1. Missouri Farm Bureau: $406 {per year|annually|each year}.
2. Safeco: $630 {per year|annually|each year}.
3. State Farm: $672 {per year|annually|each year}.
4. American {Family|Household}: $816 {per year|annually|each year}.
5. Allstate: $869 {per year|annually|each year}.

To get {prices|costs|rates} for this group, we {averaged|balanced} rates for 25-year-old male and female {drivers|chauffeurs|motorists} with {good|great|excellent} credit and {a recent|a current} at-fault crash costing $10,000 in {property|residential or commercial property|home} damage. {Since|Because|Considering that|Given that} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} is {often|frequently|typically} {pricier|more expensive|costlier} after a crash, and {especially|particularly|specifically} so for young {drivers|chauffeurs|motorists}, we {assumed|presumed} minimum {required|necessary} {insurance|insurance coverage} in the state to {contain|include|consist of} {costs|expenses} for our {hypothetical|theoretical} {driver|chauffeur|motorist}. {Depending on|Depending upon} your {situation|circumstance|scenario}, you {may|might} still be {rejected|declined|turned down} for {coverage|protection}, {including|consisting of} from the {companies|business} {listed|noted} above. If you{‘ve| have actually} {caused|triggered} a crash, no matter your age, {be sure|make sure|make certain} to {check|inspect|examine} {auto|car|automobile|vehicle} {insurance|insurance coverage} {quotes|estimates|prices quote|prices estimate} {just|simply} after the {{third|3rd} and {fifth|5th}|{fifth|5th} and {third|3rd}} anniversaries of your {incident|event|occurrence}, when {insurers|insurance providers|insurance companies} {often|frequently|typically} {adjust|change} rates {downward|down}.

{Cheapest|Most affordable|Least expensive|Most inexpensive} for minimum {coverage|protection} after a DUI

After a DUI, these are the {cheapest|most affordable|least expensive|most inexpensive} {insurance companies|insurance provider|insurer} for a 25-year-old Missouri {driver|chauffeur|motorist}, ranked by {average|typical} rates for minimum {coverage|protection}:

1. Missouri Farm Bureau: $488 {per year|annually|each year}.
2. Safeco: $630 {per year|annually|each year}.
3. Progressive: $656 {per year|annually|each year}.
4. State Farm: $796 {per year|annually|each year}.
5. American {Family|Household}: $816 {per year|annually|each year}.

Young {drivers|chauffeurs|motorists} with {a recent|a current} DUI on their records will {need|require} to be {diligent|persistent|thorough} to {find|discover} {the lowest|the most affordable} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} rates they can get– it’s {likely|most likely} that {many|numerous|lots of} {companies|business}’ rates will be {quite|rather} {expensive|costly|pricey}. {Depending on|Depending upon} the {circumstances|situations|scenarios}, you {may|might} be {rejected|declined|turned down} for {coverage|protection}, {including|consisting of} from the {companies|business} {listed|noted} above. {{But|However} {spending|investing} the time to {shop around|look around|search} for quotes can {help|assist} you {find|discover} {the lowest|the most affordable} {price|cost|rate} from {a company|a business} {available|offered|readily available} to you.|{Spending|Investing} the time to {shop|go shopping} around for quotes can {help|assist} you {find|discover} the {lowest|most affordable|least expensive} {price|cost|rate} from {a company|a business} {available|offered|readily available} to you.} For this analysis, we {averaged|balanced} rates for {male and female|female and male} 25-year-old {drivers|chauffeurs|motorists} with {a recent|a current} DUI conviction. They had {good|great|excellent} credit and minimum {required|necessary} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage}, which {helps|assists} keep rates down.

{Cheapest|Most affordable|Least expensive|Most inexpensive} for minimum {coverage|protection} and a ticket

For a young Missouri {driver|chauffeur|motorist} with {a recent|a current} speeding ticket, the {cheapest|most affordable|least expensive|most inexpensive} {insurers|insurance providers|insurance companies} and {average|typical} rates for minimum {coverage|protection} are:

1. Missouri Farm Bureau: $386 {per year|annually|each year}.
2. Safeco: $552 {per year|annually|each year}.
3. State Farm: $602 {per year|annually|each year}.
4. Progressive: $690 {per year|annually|each year}.
5. Allstate: $724 {per year|annually|each year}.

Getting a speeding ticket is {never|never ever} {fun|enjoyable}, and neither is the {higher|greater} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} {bill|expense|costs} you {may|might} {receive|get} months {later|later on}. At that point, it’s time to {shop around|look around|search} for {better|much better} rates, and it {wouldn’t|would not} {hurt|harm|injure} to {repeat|duplicate} on your {{third|3rd} and {fifth|5th}|{fifth|5th} and {third|3rd}} ticket anniversaries, when {insurers|insurance providers|insurance companies} {may|might} {adjust|change} rates downward. We {analyzed|evaluated|examined} rates for 25-year-old male and female {drivers|chauffeurs|motorists} with {a recent|a current} speeding {violation|infraction|offense} for going 16 {mph|miles per hour} over the speed {limit|limitation} to see {prices|costs|rates} for this group.

{Cheap|Inexpensive|Low-cost} for military {families|households}

{Cheap|Inexpensive|Low-cost} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} for {drivers|chauffeurs|motorists} with a military connection is {often|frequently|typically} {available|offered|readily available} through USAA, which {offers|provides|uses} policies {exclusively|solely|specifically} for {active service|active duty} members, veterans and their {families|households}. {Since|Because|Considering that|Given that} USAA isn’t {available|offered|readily available} to {everyone|everybody}, we didn’t rank it {along with|together with|in addition to} other {companies|business}, {but|however} it was {among|amongst} the {three|3} {cheapest|most affordable|least expensive|most inexpensive} {options|choices|alternatives} in Missouri {for every|for each|for every single} {driver|chauffeur|motorist} {category|classification} {listed|noted} above.

{Recap|Wrap-up}: {Cheapest|Most affordable|Least expensive|Most inexpensive} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} in Missouri

• {Good|Great|Excellent} {drivers|chauffeurs|motorists}: Safeco
• Minimum {coverage|protection}: Missouri Farm Bureau
• Poor credit: Nationwide
• After an at-fault crash: Missouri Farm Bureau
• After a DUI: Missouri Farm Bureau
• After a speeding ticket: Missouri Farm Bureau
• {Married couples|Couples}: Geico
• {Families|Households} with {a teen|a teenager}: Geico
• Young {good|great|excellent} {drivers|chauffeurs|motorists}: Safeco
• Minimum {coverage|protection} for young {good|great|excellent} {drivers|chauffeurs|motorists}: Missouri Farm Bureau
• Minimum {coverage|protection} for young {drivers|chauffeurs|motorists} with {poor|bad} credit: Missouri Farm Bureau
• Minimum {coverage|protection} for young {drivers|chauffeurs|motorists} after a crash: Missouri Farm Bureau
• Minimum {coverage|protection} for young {drivers|chauffeurs|motorists} after a DUI: Missouri Farm Bureau
• Minimum {coverage|protection} for young {drivers|chauffeurs|motorists} after a ticket: Missouri Farm Bureau

” MORE: Compare {car|vehicle|automobile|cars and truck} {insurance|insurance coverage}

Minimum {required|needed} {auto|car|automobile|vehicle} {insurance|insurance coverage} in Missouri

Missouri law {requires|needs} {drivers|chauffeurs|motorists} to {carry|bring} liability {insurance|insurance coverage} and uninsured {motorist|driver|vehicle driver} {bodily|physical} injury {coverage|protection} in the {following|list below} {amounts|quantities}:

• $ 25,000 {bodily|physical} injury liability per {person|individual}.
• $ 50,000 {bodily|physical} injury liability per crash.
• $ 25,000 {property|residential or commercial property|home} damage liability per crash.
• $ 25,000 uninsured {motorist|driver|vehicle driver} {bodily|physical} injury {coverage|protection} per {person|individual}.
• $ 50,000 uninsured {motorist|driver|vehicle driver} {bodily|physical} injury {coverage|protection} per {accident|mishap}.

While these {limits|limitations} will {satisfy|please} legal requirements, it’s {wise|smart|sensible} for {most|many|a lot of|the majority of} {drivers|chauffeurs|motorists} to get more than the bare {essentials|fundamentals|basics}. The minimum {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} {might|may} not {be enough|suffice} to {fully|completely|totally} cover {accident|mishap} {costs|expenses}, and the {remaining|staying} balance would {have to|need to} come out of your own pocket.

{Visit|Go to|Check out|See} NerdWallet’s guide to {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} requirements by state for more {detail|information} on how your {coverages|protections} work.

Alternative {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} in Missouri

High-risk {drivers|chauffeurs|motorists} who are {denied|rejected} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} on the {open market|free market} can {apply for|request|make an application for|obtain|get|look for} {coverage|protection} through the Missouri {Automobile|Vehicle|Car|Auto} {Insurance|Insurance Coverage} {Plan|Strategy}.

And for more {help|assistance|aid} {searching for|looking for} {cheap|inexpensive|low-cost} {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} in Missouri, {try out|try|check out|experiment with} NerdWallet’s {car|vehicle|automobile|cars and truck} {insurance|insurance coverage} {comparison|contrast} tool to {easily|quickly} {peruse|browse} {estimates|quotes|price quotes} from around the state.

{Methodology|Approach|Method}

For our “{good|great|excellent} {driver|chauffeur|motorist}” profile, NerdWallet {averaged|balanced} rates from the {largest|biggest} {insurers|insurance providers|insurance companies} in the state for 40-year-old {men and women|males and females} in all {ZIP codes|POSTAL CODE} with 12,000 {annual|yearly} miles driven. The policy {includes|consists of}:

• $ 100,000 {bodily|physical} injury liability per {person|individual}.
• $ 300,000 {bodily|physical} injury liability per {accident|mishap}.
• $ 50,000 {property|residential or commercial property|home} damage liability per {accident|mishap}.
• $ 100,000 uninsured {motorist|driver|vehicle driver} {coverage|protection} per {person|individual}.
• $ 300,000 uninsured {motorist|driver|vehicle driver} {coverage|protection} per {accident|mishap}.
• {Collision|Accident|Crash} {coverage|protection} with a $1,000 deductible.
• Comprehensive {coverage|protection} with a $1,000 deductible.

If {required|needed}, minimum {additional|extra} {coverages|protections} were {added|included} and “{good|great|excellent} {driver|chauffeur|motorist}” {discounts|discount rates} were {automatically|immediately|instantly} {applied|used}. Our “young {driver|chauffeur|motorist}” had all the {same|exact same|very same} {characteristics|qualities|attributes}, {but|however} {average|typical} rates were for 25-year-old {men and women|males and females}. We {used|utilized} a 2016 Toyota Camry LE for all single {drivers|chauffeurs|motorists}. We {used|utilized} the {same|exact same|very same} {assumptions|presumptions} for all other {driver|chauffeur|motorist} profiles, with the following exceptions:

• For {drivers|chauffeurs|motorists} with minimum {coverage|protection}, we {adjusted|changed} the numbers above to {reflect|show} minimum {required|necessary} {coverage|protection} by law in the state.
• We {changed|altered} the credit tier from “{good|great|excellent}” to “{poor|bad}” as reported to the {insurer|insurance provider|insurance company} to see rates for {drivers|chauffeurs|motorists} with {poor|bad} credit.
• For {drivers|chauffeurs|motorists} with one at-fault crash, we {added|included} a single at-fault crash costing $10,000 in {property|residential or commercial property|home} damage.
• For {drivers|chauffeurs|motorists} with a ticket, we {added|included} a single speeding {violation|infraction|offense} for driving 16 {mph|miles per hour} over the speed {limit|limitation}.
• For {drivers|chauffeurs|motorists} with a DUI, we {added|included} a single drunken driving {violation|infraction|offense}.

Couples in our analyses were 50-year-old {men and women|males and females} with {good|great|excellent} credit and {clean|tidy} driving histories, {averaged|balanced} {across|throughout} all {ZIP codes|POSTAL CODE} with the {same|exact same|very same} policy {outlined|described|detailed|laid out} above. To see rates for {families|households} with {a teen|a teenager}, we {added|included} an 18-year-old {licensed|certified} {two|2} years {ago|back|earlier}, {averaging|balancing} rates for {male and female|female and male} {teens|teenagers}. For {couples and {families|households}|{families|households} and couples} we {added|included} a 2016 Nissan Rogue S to {create|produce|develop} a two-car {household|home|family}.

In all cases, a paperless {discount|discount rate}, e-signature {discount|discount rate} and electronic funds transfer {discount|discount rate} were {automatically|immediately|instantly} {applied|used}. These are rates {provided|offered|supplied} by Quadrant {Information|Info|Details} {Services|Solutions|Provider}. Your own rates will be {different|various}.