The Best Car Insurance in Missouri for 2023

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With State Farm, you can save money on car insurance premiums in Missouri by bundling your auto policy with a condo, renters, home or life insurance policy. You also get discounts for driving safely or insuring more than one vehicle with the company.

Other less common discounts offered by State Farm are new vehicle and defensive driving discounts. Under the new vehicle discount, policyholders with vehicles manufactured in 1994 or later can have a discount on their medical payments coverage. Another way to earn a discount is by completing a defensive driving course.

These discounts are highly beneficial, especially if you’re on a budget. By taking advantage of these discounts, you won’t have to pay expensive car insurance premiums.

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While adding young drivers to an auto insurance policy in Missouri is expensive, Allstate maintains great customer service at a relatively reasonable price. Filing a claim can be stressful, especially for inexperienced drivers. That’s why having good customer service is important when choosing an auto insurance company.

With Allstate, young drivers can get distant student, driver’s education and good student discounts. Full-time students with good academic records get a discount. They can also take the teenSMART driver education program for a discount. The distant student discount also applies if the driver under the policy goes to school and lives more than 100 miles away from home without a car.

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Insurance rates are often more expensive for seniors than for middle-aged adults. Nonetheless, Allstate offers car insurance policies that balance affordable rates with good customer service. This company received above-average ratings for claims and customer satisfaction — all while having the cheapest rates for seniors in Missouri.

Allstate offers roadside and transportation expense coverages. Roadside coverage reimburses the policyholder for towing, jumpstarts, flat tires and gas. Additionally, transportation expense coverage gives the policyholder a certain daily amount to cover the costs of car rentals in case of a covered collision or comprehensive loss.

These coverages can benefit seniors since they provide help in case of emergencies, whether it’s a simple roadside breakdown or a comprehensive loss. On top of these coverages, seniors can enjoy a discount on their car insurance premiums.

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Allstate has one of the best insurance policies for people with a bad driving record, at an average annual cost of $1,066. It has a MoneyGeek claims rating of 4 out of 5 and a user satisfaction rating of 4.5 out of 5.

Allstate offers the following coverages:

• Roadside Assistance: It reimburses towing, flat tire repair and other expenses if your car is not functioning on the road.
• Rental Car or Travel Reimbursement: It pays for rental car costs while your car is being repaired after a covered accident.
• New Car Replacement: Get a brand new car if your totaled car is two years old or newer.
• Gap Insurance: This pays the difference between your primary auto insurance settlement and the outstanding balance on your car loan or lease on the date of loss.
• Deductible Modification: You can get $100 off your deductible by signing up for Allstate Deductible Rewards.

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USAA offers the best car insurance in Missouri for people with a military background. It has a positive reputation among its customers, as it has the most affordable rates and the highest service ratings in Missouri.

USAA offers the following coverages and discounts to its customers:

• Rideshare Insurance: This fills the coverage gap between personal auto and commercial policies for people who work with ridesharing companies.
• Accident Forgiveness: If you are accident-free for five years, USAA does not assess an auto policy surcharge for your first at-fault accident.
• Vehicle Storage Discount: You can save up to 60% on insuring a stored car.
• New Vehicle Discount: You can get a discount if your car is three years old or newer.

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A vehicle’s value quickly depreciates once it has been driven off the lot. New or better car replacement coverage allows you to replace your totaled car with a similar make and model.

If their car is totaled in a covered accident, Allstate customers can get a brand new car of the same make and model if they have new car replacement coverage on their policy.

Allstate’s new car replacement coverage replaces your car with a new one of the same make and model rather than the depreciated value of your vehicle. It only applies if your car is less than two years old at the time of the accident.

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Nationwide’s pay-per-mile service is called SmartMiles. SmartMiles features a base rate and a variable rate, depending on how many miles you drive. Therefore, your monthly payment fluctuates based on the number of miles you've driven.

The program only records the first 250 miles of the day if you’re on a road trip. Drivers who continue to keep a clean driving record can qualify for a discount of up to 10%.

SmartMiles helps low-mileage drivers save money by only taking into account the specific number of miles that they have been on the road. They do this while also promoting their safety by providing incentives, such as a discount for keeping your record clean. However, you need to be aware of the potential for frequent changes in your rates.