Missouri insurance rates are cheapest for middle aged, preferred drivers. Depending on the insurance company and your past driving record, the rates can differ. Your best bet for finding cheap auto insurance in Missouri is to look around. Not only to large insurance company names such as GEICO or Progressive (offers quotes from other companies to compare to theirs), but also check smaller, local companies. Most of the cheaper rates are from places that are for certain groups of people, i.e. government employees or farmers.

In order to save money and have the cheapest auto insurance in Missouri you should get multiple quotes. Getting multiple quotes will insure that you are finding the best deals. If you are buying a new car, get one that is “low-profile”, usually a 4-door sedan rather than a sports car. If you have an older car, you can consider removing collision and comprehensive coverage from your insurance policy and you can save big. If you work at home or car pool to work, you may be eligible for a low mileage discount on your insurance policy. Since you are not driving as much, there is less risk of you getting in an accident. If you have young children that are about to start driving, encourage them to take drivers education, most insurance companies offer rebates for those who do. Also, if your car has an alarm system, some companies offer a discount to you for protecting your car.

Rates are determined by underwriting and rating. Underwriting are the factors in your past that show your driving habits. These can include driving record, car make and model, gender, age, and many more factors. Ratings are divided into three categories: preferred, standard, and non-standard. Preferred drivers are those with clean driving records over the past three to five years. Preferred drivers are given the lowest rates. Standard drivers are those of moderate risk. Non-standard drivers are those at highest risk to get in a wreck. These drivers usually have the highest rates.

Missouri driving conditions are quite good, with heavy traffic around the cities. Aside from the cities, Missouri is mostly rural. Some severe weather can be likely in Missouri.

Missouri Law mandates that each insurance policy should have this minimum insurance coverage: Liability: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, $10,000 per accident for property damage and uninsured/underinsured motorist protection: $25,000 per person, $50,000 per accident.