Cheapest Auto Insurance for Felons in Missouri

Things would sure be easy if we could just tell you the one company that has the cheapest coverage in Missouri. Unfortunately, it’s not that simple as there are a whole slew of unknown aspects like which neighborhood you live in, whether you have good or poor credit, and if you are married or single. We will touch on the different ways you can keep rates low and educate you enough to have a good beginning to your search for cheaper coverage.

Deciphering which company offers the most affordable car insurance rates for felons takes more work in order to find the lowest price quote.

Every insurance provider used slightly different criteria to set policy rates, so we need to take a look at the lowest cost car insurance companies in Missouri.

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USAA normally has some of the lowest car insurance rates in Missouri at around $648 annually. The Hartford, Electric, Allied, and Auto-Owners also are some of the most economical Missouri auto insurance companies.

As shown in the table above, if you currently buy coverage from Electric and switched to USAA, you could realize an annual savings of about $227. Drivers with Allied may save as much as $227 a year, and Auto-Owners customers might realize rate reductions of up to $349 a year.

To find the cheapest auto insurance for felons in Missouri, click here or click several companies below for low rates.

Remember that these rates are averaged for all types of drivers and the different vehicles they drive and do not take into consideration a rate decrease for felons. So the company that fits your needs best may not even be shown in the chart above. That’s why you need to compare prices as often as possible using your own individual information.

One of the many criteria used to determine the price you pay for insurance is where your car is garaged. Areas with increased crime or more people like Saint Louis, University City, and Independence tend to pay slightly more, whereas areas that are not as densely populated have the luxury of lower rates.

The illustration below ranks the most expensive cities in Missouri for felons to purchase auto insurance in.

Premium amounts are comparative as the specific geographic location can decrease or increase rates significantly.

Ending up with the right company can be challenging considering how many different companies there are to choose from in Missouri. The rank data in the next section may help you analyze which auto insurers to look at buying from. These rankings are for companies that insure vehicles across America, so companies with more of a regional focus are not factored into the list.

Accidents and violations increase rates

The easiest way to find the best car insurance rates in Missouri for felons is to drive safe and have a clean driving record. The information below shows how speeding tickets and at-fault fender-benders drive up insurance costs for different age groups of insureds. The premium estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no other discounts are factored in.

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In the previous example, the average cost of a car insurance policy in Missouri per year with no accidents and a clean driving record is $1,441. Get written up for two speeding tickets and the average cost rises to $2,048, an increase of $607 each year. Then throw in one accident along with the two speeding tickets and the annual cost of car insurance for felons increases to an average of $2,671. That’s an increase of $1,230, or $103 per month, just for not being more responsible behind the wheel!