Who Has the Cheapest Auto Insurance Quotes for Drivers Under 21 in Missouri?

When shopping for cheaper insurance for minors, one of the many criteria that influence car insurance rates is your zip code. Cities with larger populations or higher claims like Florissant, University City, and Mehlville will most likely have higher rates, whereas less populated areas benefit from having to pay less for coverage.

The table below lists the most expensive places in Missouri for drivers under 21 to buy auto insurance in.

Rate information is comparative as the vehicle garaging location can decrease or increase prices noticeably.

Finding dependable, cheap car insurance is not the easiest thing to do, and figuring out which companies quote the most affordable car insurance rates for drivers under 21 will involve even more work. Rates will probably be much higher than the average price in Missouri, with the increase attributed to the higher likelihood of claims that comes with selling insurance for minors, but competitively-priced insurance should be achievable if you carefully shop around.

Every auto insurer uses a slightly different approach for determining rates in each state, so we’ll go over the most affordable car insurance companies in Missouri.

Find Cheaper Auto Insurance for Minors

Get a Free Quote and Save

USAA generally has some of the most affordable car insurance rates in Missouri at around $662 per year. The Hartford, Allied, Electric, and Travelers would also be considered some of the more affordable Missouri auto insurance companies.

In this example, if you are a customer of The Hartford and switched to USAA, you might see a yearly price reduction of approxmiately $123. Drivers with Allied might save as much as $205 a year, and Electric customers might see rate reductions of $213 a year.

To see if your current coverage is too expensive, click here to get a free quote or quote prices from the following companies.

Understand that those premium estimates are averages across all types of drivers and the different vehicles they drive and do not take into consideration a price increase for drivers under 21. So the company that is best for you may not even be in the list of companies above. That points out the importance of why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

Selecting a high-quality insurance company is hard considering how many choices drivers have in Missouri. The ranking information in the next section can help you analyze which car insurance providers to look at putting your business with.

The rankings below are only made up of major nationwide insurance companies, so companies that have a smaller presence are not taken into consideration for these rankings. If you wish to compare prices from these and other top-rated companies, follow this link.

Top 10 Large Auto Insurers in Missouri Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. Liberty Mutual
5. State Farm
6. Allstate
7. Safeco Insurance
8. Travelers
9. 21st Century
10. Nationwide

Impact of careless driving on car insurance rates

The easiest way to score affordable car insurance rates in Missouri for minors is to drive safe and avoid accidents and keep your driving record clean. The diagram below highlights how speeding tickets and at-fault fender-benders raise auto insurance costs for different ages of insureds. Data assumes a married female driver, comp and collision included, $100 deductibles, and no discounts are taken into consideration.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and Two Accidents’],[‘Age 20’, 1689,1881,3495],[‘Age 30’, 1189,1381,2995],[‘Age 40’, 1169,1361,2979],[‘Age 50’, 1029,1221,2835],[‘Age 60’, 981,1173,2789],[‘Age 70’, 1051,1241,2859]]);var options = {title: ‘Impact of Tickets and Claims on Missouri Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Missouri’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of auto insurance per year with no accidents or violations is $1,185. Get written up for one speeding ticket and the average cost swells to $1,376, an increase of $192 each year. Now get two accidents along with the one speeding ticket and the yearly cost of car insurance for drivers under 21 increases to an average of $2,992. That’s an increase of $1,807, or $151 per month, just for being a careless driver!