Missouri Car Insurance Calculator: Estimate Your Car Insurance Costs

MoneyGeek’s car insurance calculator gives you a quick estimate of how much auto insurance will cost you. Additionally, we analyzed how car insurance premiums are calculated in Missouri so you can pinpoint which factors are driving your cost.

To get a car insurance quote from an insurer in Missouri, you will need to submit personal information. The process generally takes 10–15 minutes. MoneyGeek’s Missouri car insurance calculator gives you an estimate based on several factors, including your age, driving record, the coverage levels you select and the type of vehicle you’re insuring.

Adding a teen driver to your policy, your credit score and the coverage levels you choose are the three factors that have the highest impact on car insurance costs in Missouri based on MoneyGeek’s research. Of course, the factor with the most impact on your car insurance costs can change depending on your combination of characteristics.

While the cheapest insurance company for you in Missouri depends on several factors, MoneyGeek’s auto insurance calculator can give you a close estimate. The most affordable policy for MoneyGeek’s default driver is $418 per year on average for an auto insurance policy offered by State Farm, the cheapest widely available company.

Although cost is an important factor, you’ll want to choose a provider with all the coverages you need and a good customer service record.

Insurance providers look at several factors to determine car insurance premiums. In Missouri, the most important factors are adding a teen driver to your policy, your credit score and the coverage levels you select.

The most significant factor is adding a teen driver to your policy. It has the highest impact on insurance premiums and can nearly increase how much you pay by 2.9x.

Insurance companies consider younger drivers as high risk because of their inexperience, leading to more accidents than older, more experienced drivers. Research shows that nearly half of serious teen driver crashes are due to speeding, being distracted or being unaware of their immediate environment.

That’s why adding a teen driver to your car insurance policy is the most significant factor in terms of the cost of insurance. In Missouri, it can multiply your insurance rates by approximately 2.9x on average.

Insurance providers also consider the teen driver’s age to calculate insurance premiums in Missouri. For instance, adding a 16-year-old driver to your policy will multiply your rate by about 3.1x, higher than adding an 18-year-old driver, which increases your rate by 2.7x.

In Missouri, driver’s age affects the cost of insurance. Younger drivers typically have to pay more for insurance than older drivers due to their inexperience and higher probability of accidents.

Your premium may be twice as expensive, depending on how old you are.

Insurance companies in Missouri also consider how much coverage you buy when they’re calculating your premiums. Choosing an auto insurance policy that comes with a $300,000 bodily injury liability limit and $500 deductible is 2.1x more expensive than a liability-only policy with state minimum limits.

Policies with high coverage levels may lead to a larger payout from the insurance provider in the case of accidents, which explains its impact on insurance rates.

If you have a poor credit score, your car insurance costs in Missouri will be higher. Insurance companies believe that drivers with poor credit are more likely to have trouble meeting their payments.

Your credit score can multiply your car insurance rate by 2.4x. Drivers with excellent credit have the cheapest car insurance rates, while those with poor credit scores have the most expensive.

Insurance premiums for a standard car are much cheaper than for sports cars and luxury cars. The cost of spare parts and repairs for luxury cars and sports cars is significantly higher than for sedans. Certain car models also witness an unusually high percentage of theft and vandalism, impacting insurance rates. In general, insurance for a luxury car is 2x the cost of a standard vehicle.

Insurance companies in Missouri consider many factors when determining your car insurance premium. You can know more about the most important factors and how they can affect the cost of car insurance by reading our answers below to some of the most frequently asked questions.

MoneyGeek partnered with Quadrant Data Services to get car insurance quotes from across Missouri. Our data science team analyzed how personal factors impacted cost and incorporated our findings into our calculator to provide users with an accurate estimate of their expected yearly auto insurance costs. Read more about our methodology here.