Who Has Cheap Car Insurance Quotes for 17 Year Olds in Missouri?

One of the more important considerations used to calculate the annual cost of car insurance is where you keep your vehicle. Larger areas like Saint Louis, University City, and Kansas City tend to pay slightly more, whereas areas with less people or fewer weather incidents benefit from lower rates.

The information below rates the most expensive places in Missouri for 17 year olds to purchase a policy in.

Rate quotes are comparative as the specific zip code location can change premium rates considerably.

Finding out which company offers the cheapest insurance rates for 17 year olds calls for more work in order to find coverage that fits your buget. Each auto insurance company uses their own formula to set their prices, so we will examine the insurance companies with the overall best prices in Missouri.

Keep in mind that Missouri insurance rates are determined by lots of factors which can substantially change the policy price. Simply turning a year older, moving across town, or having a fender bender may generate price changes that can make some companies more affordable than others.

Find Cheaper Auto Insurance for Teens

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USAA normally has some of the cheapest car insurance rates in Missouri at around $662 per year. The Hartford, Electric, Allied, and Auto-Owners also are some of the best Missouri insurance companies.

In the above rates, if you currently buy coverage from Allied and switched to The Hartford, you might realize annual savings of upwards of $66. Drivers with Auto-Owners might save as much as $188 a year, and MO Farm Bureau customers might reduce rates by $212 a year.

To find out how your current rates compare, click here to get quotes or quote prices from the following companies.

Remember that these estimates are averaged across all drivers and vehicles and are not factoring in a rate surcharge for 17 year olds. So the insurer that can offer the best rates for your situation may not even be shown in the chart above. That points out the importance of why you need to compare as many prices as possible using your own personalized driver profile and vehicle information.

Performance level and cost of the vehicle requiring coverage is one of the primary factors that determines whether or not you find cheap car insurance for 17 year olds in Missouri. Vehicles with higher performance characteristics, poor passenger safety features, or a track record of large liability claims will cost quite a bit more to insure than more economical and safe models. The lists below showcases coverage rates for the cheapest vehicles to insure in Missouri.

Data based on single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, and safe-driver. Price information does not factor in your specific Missouri location which can increase or decrease insurance rates substantially.

Data assumes single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can raise or lower coverage rates considerably.

Table data represents single female driver age 17, no speeding tickets, no at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, and claim-free. Price information does not factor in specific zip code location which can increase or decrease prices considerably.

Best insurance in Missouri

Buying coverage from the highest-rated insurer can be challenging considering how many companies there are in Missouri. The information in the next section may help you pick which providers you want to consider comparing rates with. The rankings below are for large, nationwide insurance companies, so companies that have a smaller presence are not factored into this list.

Top 10 Major Car Insurance Companies 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

Full coverage versus liability-only in Missouri

Finding cheap car insurance for 17 year olds in Missouri is the goal of the majority of vehicle owners, and one good way to lower the cost of insurance is to only buy liability insurance. The chart below illustrates the comparison of car insurance costs with full physical damage coverage compared to only buying liability only. The price estimates are based on no accidents, no driving violations, $500 deductibles, single status, and no policy discounts are applied.

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If we average all the age groups together, comp and collision coverage costs an extra $1,681 per year over liability only. Many of you may wonder when is the right time to remove full coverage. There is no specific rule to exclude full coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is about 10% or more of the replacement cost of your vehicle minus the policy deductible, then you may need to consider dropping full coverage.

How to find cheap car insurance for 17 year olds in Missouri

It’s not impossible to find cheaper rates, and here are many thrifty suggestions that can help drivers locate cheaper auto insurance.

• Buy vehicles with good safety ratings
• Accidents can significantly increase rates
• Multi-policy discounts save money
• Do not pay for full coverage on older vehicles
• Increase your credit score
• Comparison shop at least once a year

That final tip is incredibly critical, as was affirmed in the prior article. Car insurance rates fluctuate constantly, so drivers shouldn’t be reluctant to change to a new company if a cheaper rate is available. Staying with the same car insurance company is fine, but it’s not recommended if that dedication is costing hundreds of dollars a year. Spend a few minutes and compare rates and find cheaper car insurance for 17 year olds.