Missouri Insurance Agencies by County

How to Lower Your Car Insurance in Missouri (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Missouri? Whether you’re commuting in St. Louis, Kansas City, Springfield, or driving rural highways, there are smart ways to reduce premiums. This overview explains how Missouri insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Missouri Score You

• Driving history – Accidents, tickets, DUIs, and prior claims can raise rates.
• Credit score – Missouri allows credit-based insurance scoring; better credit often lowers premiums.
• Location – Metro areas often have higher claim frequency and theft risk.
• Vehicle type – Repair costs, safety ratings, and theft risk affect pricing.
• Annual mileage – Lower mileage may qualify for discounts.
• Coverage choices – Higher limits/full coverage cost more; higher deductibles usually reduce premiums.

10 Ways to Lower Your Car Insurance in Missouri

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, good student, paid-in-full, autopay).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair and theft risk.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Missouri Minimum Auto Insurance Requirements

Missouri generally requires at least 25/50/25 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage per accident. Many drivers choose higher limits for better protection.

Hail, Storms, and Comprehensive Coverage

Missouri drivers can face hail, severe storms, and theft risk. Comprehensive coverage can help protect your vehicle from non-collision damage such as theft, vandalism, falling objects, and storm-related losses (coverage varies by policy).

Use the county list above to explore local insurance agencies in your area and compare options side-by-side.