Getting Car Insurance in Missouri After a DUI (2024)


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Updated: December 5, 2024

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MoneyGeek’s data shows that Missouri drivers convicted of driving under the influence of alcohol or drugs (DUI) can get the cheapest car insurance from State Farm. From our findings, the best overall provider in the state for full coverage insurance is Allstate. State Farm is the best for minimum coverage.

Key Takeaways

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In Missouri, drivers with a DUI can find the most affordable full coverage car insurance with State Farm at $980 annually, followed by American Family at $1,068 per year.

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For Missouri drivers with a DUI, the top two cheapest providers for minimum coverage car insurance are State Farm at $481 per year and American Family at $668 per year.

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For Missouri drivers with a DUI seeking full coverage insurance, Allstate stands out as the best overall provider, backed by notable high scores in customer satisfaction and financial stability, with an annual cost significantly impacted by a 42.6% average rate increase after a DUI conviction.

Purchasing car insurance is mandatory across all U.S. states. However, some insurers may legally deny you a policy if you have a DUI on your driving record, while others offer you coverage at increased rates since you are considered high-risk.

If you are convicted of a DUI in Missouri, you’ll pay 42.6% more on average for car insurance than a driver with a clean record. You will also face legal penalties such as jail time, fines, completing an alcohol treatment program and license revocation.

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Insurance Rates

Cheapest Car Insurance Companies in Missouri After a DUI

Typically, the most affordable car insurance companies for DUI offenders in the United States are Progressive and State Farm. This holds true in Missouri, where State Farm is the cheapest car insurance company for someone with a DUI. However, the cheapest insurer may vary across states.

Cheapest Companies for Full Coverage in Missouri After a DUI

The coverage level you choose could determine your car insurance rates after a DUI. Based on MoneyGeek’s findings, the most affordable companies for full coverage car insurance for people with a DUI in Missouri are:

  • State Farm: $980 per year
  • American Family: $1,068 per year

Although USAA is the cheapest option at $807 per year, it’s only available to military members and their families.

Cheapest Car Insurance for Full Coverage After a DUI
1USAA$807
2State Farm$980
3American Family$1,068
4Allstate$1,155
5Allied$1,675

Cheapest Companies for Minimum Coverage in Missouri After a DUI

One way to cut the cost of car insurance after a DUI is to get the minimum coverage amount. We found that the cheapest minimum coverage car insurance companies in Missouri after a DUI are:

  • State Farm: $481 per year
  • American Family: $668 per year

Eligible military-affiliated drivers can get cheaper coverage from USAA at an average of $346 per year.

Cheapest Car Insurance for Minimum Coverage After a DUI
USAA$346
State Farm$481
American Family$668
Progressive$717
Allstate$719
Esurance$943
Farmers$952
Shelter$1,094
AAA$1,105
Allied$1,140
GEICO$1,241
MetLife$1,992
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Minimum coverage car insurance costs less than a full coverage policy but may not provide sufficient protection after an accident. The state minimum car insurance only covers the cost of damage and injury to the other driver if you are at fault in an accident. You may need to purchase additional coverage if you need more protection.

Top Car Insurance Companies in Missouri After a DUI

MoneyGeek ranked car insurance companies based on customer satisfaction, affordability and financial stability to determine the best car insurance for someone with a DUI. According to our findings, the top insurer in the state for full coverage is Allstate, whereas the best for minimum coverage car insurance is State Farm.

Best Companies for Full Coverage in Missouri After a DUI

According to MoneyGeek’s unique scoring system, the best car insurance companies for DUI offenders in Missouri who want full coverage policies are Allstate and State Farm.


1
State FarmBest full coverage after a DUI
Score:4.5

5/5

Affordability

5/5

Financial Stability

4/5

User Satisfaction

4.5/5

Claims

Geek Quick Take
Geek Quick Take

State Farm’s full coverage car insurance policies cost an average of $980 per year if you have a DUI and $906 without a DUI. Therefore, the rate will go up by about 8.16% if you are a DUI offender.

More About State Farm

State Farm has fairly high scores across all categories, making it the second-best provider for those with a DUI in Missouri. State Farm policyholders can access various discounts, but accident forgiveness is not one of them.

2
Allstate
Score:4

2.9/5

Affordability

4.5/5

Financial Stability

4/5

User Satisfaction

5/5

Claims

Geek Quick Take
Geek Quick Take

Allstate’s average cost of full coverage car insurance if you have a DUI is $1,155 per year. Drivers without a DUI pay $893 per year, a difference of 29.23%.

More About Allstate

Allstate ranks consistently high across all evaluation categories. The insurer offers custom parts and sound systems coverage as add-on insurance. However, Allstate does not offer common discounts such as defensive driving and multiple car discounts.

Best Companies for Minimum Coverage in Missouri After a DUI

The best minimum coverage car insurance companies in Missouri for drivers with a DUI are State Farm and Allstate. Although minimum coverage policies feature the lowest premiums, they may not be enough to cover all the expenses after an accident.


1
State FarmBest minimum coverage after a DUI
Score:4

5/5

Stability

4/5

Satisfaction

5/5

Claims

4/5

Affordability

Geek Quick Take
Geek Quick Take

Missouri drivers will pay an average of $481 per year for minimum coverage car insurance if convicted of a DUI, compared to $438 for those who aren’t. The rate increases by 8.16% if you have a DUI on your record.

More About State Farm

In Missouri, State Farm is an affordable and high-scoring insurance provider. It provides common additional coverages like roadside assistance and rental car or travel reimbursement but offers no unique coverage options.

2
Allstate
Score:4

5/5

Stability

4/5

Satisfaction

5/5

Claims

3/5

Affordability

Geek Quick Take
Geek Quick Take

Allstate’s minimum coverage car insurance costs an average of $719 per year with a DUI and $569 without a DUI. You will have to pay 29.23% more if you are a DUI offender.

More About Allstate

Allstate has high customer satisfaction and stability scores. The insurer also offers unique custom parts and sound system coverage.

How Much Does Car Insurance Cost in Missouri After a DUI?

MoneyGeek’s analysis shows that car insurance premiums increase by 42.6% in Missouri after you get a DUI. Drivers in this state pay an average of $1,237 per year with a clean record and $1,765 after a DUI. You can use the list below to compare more auto insurance rates with or without a DUI.

How long does a DUI affect the cost of your car insurance?

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Average Cost

Full Coverage

$1,237
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Average Cost with DUI

Full Coverage

$1,765
Full coverage policy premiums after a DUI cost::$528 more

This is 43% more expensive.

Your car insurance rates are likely to increase if you have a DUI on your record since insurers consider drivers with DUIs as high-risk. Use MoneyGeek's car insurance calculator below to obtain a personalized cost estimate for your driving profile.

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Rates updated:

Dec 23, 2024

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In addition to increased policy costs, there are other financial consequences associated with a DUI. Some of the additional costs may include:

  • Fines, court and attorneys' fees: DUI convictions are criminal in nature and usually carry fines and court fees.
  • Towing/impound fee: If your car is towed or impounded after arrest, you’ll need to pay a fee to get it back.
  • Drug education and treatment: You may be required to enroll in mandatory alcohol or drug education programs.
  • DMV reinstatement fee: If your license gets suspended, you will need to pay the reinstatement fee to get your driving privileges back.

Getting Car Insurance in Missouri After a DUI

Finding car insurance after a DUI conviction can be challenging. Insurance companies are private businesses and have the right to deny you a policy altogether if they consider you a high-risk driver. The state’s look-back period may also influence the insurer’s decision. For instance, a DUI stays on your record for five years in Missouri.

Your car insurance premiums will spike significantly after getting a DUI, and different companies may charge different rates. Comparing quotes across multiple providers can help you find the best and most affordable options.

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If you’re convicted of a DUI in Missouri, you’ll need to have your insurer file an SR-22 form to confirm that your car insurance policy meets the state's minimum requirements. Filing this insurance has its own cost implications as well. You will need to pay filing fees and you may also lose the discounts associated with a typical car insurance policy.

Missouri DUI Laws

Driving under the influence of drugs and alcohol often poses legal repercussions. In Missouri, a DUI conviction could incur penalties such as paying fines, license suspension, facing jail time and mandatory completion of an alcohol and drug education program. MoneyGeek outlines some relevant DUI laws in Missouri in the table below.

    bac1 icon

    Driving with a BAC at or above 0.08% is considered a DUI

    Blood alcohol concentration (BAC) is the amount of alcohol in a person’s blood. Missouri considers driving with a BAC of 0.08% and above criminal.

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    Driving with a BAC of 0.15% will result in increased penalties

    BACs between 0.15% and 0.2% warrant two days of mandatory imprisonment. A BAC of 0.2% and above warrants mandatory imprisonment in Missouri for five days. If your BAC is above 0.15%, you have to complete a drug or alcohol education program before the state restores your driving privileges.

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    90-day administrative license suspension on the first offense

    Missouri's administrative license suspension law allows an officer to suspend your driving license for 90 days if you fail an alcohol test for the first time.

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    Limited driving privileges

    Missouri drivers with a DUI conviction can get a restricted permit to drive to work, school or for medical treatment. Driving privileges differ when combined with ignition interlocks.

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    Mandatory ignition interlocks

    An ignition interlock system that requires you to take a BAC test before starting your car is mandatory for all repeated convictions.

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Frequently Asked Questions

In Missouri, getting car insurance with a DUI conviction can be challenging. MoneyGeek responded to the commonly asked questions to help you get the best coverage for your needs.

Will my insurer continue to cover me if I get a DUI in Missouri?

How much do car insurance premiums increase in Missouri after a DUI?

What is the cheapest car insurance company in Missouri after a DUI?

How long will having a DUI affect my car insurance rates?

How do I get car insurance if I have a DUI?

Methodology

To determine the top companies for individuals with DUIs in Missouri, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.


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