Cheap Auto Insurance Quotes for Good Drivers in Missouri

The words “low-priced” and “insurance” probably shouldn’t be used together, especially when you are shopping around for the best car insurance for good drivers. Because of the high cost, let’s start the ball rolling by going over some of the things that have a considerable impact on car insurance rates, and see if you can take the sting out of your next policy.

When shopping for the cheapest auto insurance for safe drivers, one of the many things used to determine the price of your policy is where you keep your vehicle in Missouri. Cities with larger populations or higher claim trends like Florissant, University City, and Kansas City tend to have more expensive car insurance rates, whereas areas with less people or fewer weather incidents tend to receive slightly lower rates.

The illustration below illustrates the more expensive cities in Missouri for good drivers to buy auto insurance in.

Information shown are comparative as the specific zip code location can impact premium rates substantially.

Comparing rates for budget car insurance is confusing at best, and finding out which company offers the best auto insurance rates for good drivers will take even more work. Insurance premiums should be somewhat cheaper than the average rate in Missouri attributed to the potential for fewer claims that comes with offering insurance for safe drivers. Reasonable coverage should be readily available without looking to hard.
Each company uses their own calculation for setting prices, so we’ll take a look at the auto insurance companies with the overall best prices in Missouri.

It’s important to know that Missouri auto insurance rates are calculated based on many things which can substantially decrease or increase your annual premium. This price variation is why it is critical to compare rates when trying to find the best car insurance quotes for good drivers. Car insurance prices are made up of many factors and can change substantially, so the cheapest rate the last time you shopped around may now be quite expensive.

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USAA may offer some of the best car insurance rates in Missouri at around $648 annually. The Hartford, Allied, Electric, and Travelers also make the cut as some of the most economical Missouri auto insurance companies.

In the above rates, if you are a policyholder with Electric and switched to The Hartford, you could earn a yearly savings of upwards of $82. Drivers with Travelers could save as much as $205 a year, and MO Farm Bureau insureds might lower prices by $228 a year.

These estimates are averaged for all drivers and vehicles and and are not calculated with a rate discount for good drivers. So the company that has the cheapest rates for you may not even be included in the list of companies shown earlier. That affirms the importance of why you need to compare rates from multiple companies using your own driver data and vehicle information.

The make and model of vehicle you are insuring is one of the biggest factors when trying to find cheap insurance for good drivers. Vehicles with limited top-end speed, advanced safety features, or low incidents of liability claims will cost less to insure than adrenaline junky models.

The next table illustrates insurance costs for the more afforable automobiles to insure.

Data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in specific Missouri garaging location which can decrease or increase premiums greatly.

Based upon the table data, we can conclude that models like the Ford Escape, Honda CR-V, and Toyota Prius are likely to be a few of the cheapest vehicles to insure for safe drivers.

Finding a good quality car insurance company can be rather challenging considering how many companies sell coverage in Missouri. The rank data in the lists below may help you decide which auto insurance companies you want to consider putting your business with.

The rankings below only include companies that insure vehicles across America, so companies that have a smaller presence are not taken into consideration for the list. To compare rates and find the cheapest rates for good drivers, follow this link.

Top 10 Major Auto Insurance Providers Overall in Missouri

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

Top 10 Major Auto Insurance Providers in Missouri Ranked by Customer Satisfaction

1. USAA – 92%
2. American Family – 88%
3. State Farm – 88%
4. Nationwide – 88%
5. 21st Century – 88%
6. The Hartford – 87%
7. Progressive – 87%
8. AAA Insurance – 87%
9. Farmers Insurance – 87%
10. Liberty Mutual – 87%

Allstate, Geico, Progressive, and State Farm: Who is best?

When shopping for auto insurance for safe drivers, four companies you’ll want quotes from are Allstate, Geico, Progressive, and State Farm. All of them have somewhat different options that you can choose from. The following table breaks down ratings for price, service, and claims, in additional to some of the optional coverages that may be available in Missouri.

How to find cheaper auto insurance for good drivers

It’s not impossible to find cheaper rates, and here are some penny-pinching solutions that can help drivers buy more affordable auto insurance.

• Insure your home and auto with the same company
• Save money by only buying liability coverage for older vehicles
• Do not file small claims
• Good credit scores may lower your rates
• Higher comprehensive and collision coverage deductibles will save money
• Buy a vehicle with excellent safety ratings
• Compare rate quotes frequently

The last tip is remarkably important, as we stressed in this write-up. Coverage rates in Missouri can change significantly in a year, so drivers shouldn’t be resistant to buy from a new company if you can save money. Having a favorite company is fine, but we do not recommend it if your bullheadedness ends up costing you thousands of dollars over the life of your policy. In just a few minutes you could compare rates and find cheaper insurance for good drivers.