Insurers believe high-risk drivers have a higher chance of getting into accidents, resulting in more claims. Because of this, their car insurance is more expensive than drivers with clean records. If you're a high-risk driver, comparing quotes will help you find a more affordable premium.
In Missouri, the cheapest car insurance for high-risk drivers is from State Farm, with an average annual premium of $951. Fortunately, it’s also the best car insurance company for high-risk drivers in Missouri.
Best Companies for High-Risk Drivers in 2023
High-risk drivers have been found guilty of a DUI, had their license suspended or revoked, have been involved in at-fault accidents or have committed several traffic offenses. Owners of sports cars, teenagers and drivers with little experience are also labeled as high-risk drivers.
Your driving history has a significant impact on how much your car insurance will cost. Due to the greater chance of an accident, high-risk drivers pay more for insurance to cover the risk the insurer takes over having to pay a claim.
According to MoneyGeek’s research, there’s around a 20% increase in the premium of a driver in Missouri when they are considered high-risk.
Drivers with several traffic violations, a DUI conviction or at-fault accidents are high-risk drivers. Insurers also consider drivers with sports cars and teenagers as high-risk.
A driver with a clean record can also be high-risk if they have bad credit or there’s a gap in their coverage. High-risk drivers fit into the following profiles:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Cheapest Car Insurance in Missouri for High-Risk Drivers
In Missouri, State Farm offers the most affordable car insurance for high-risk drivers. With an average premium of $951 per year, high-risk drivers can get the most savings when they choose this company. Our review of State Farm car insurance breaks down coverages and discounts offered by this company.
In some states, including Missouri, SR-22 insurance is needed for high-risk drivers, such as those who have been found guilty of a DUI or reckless driving. An SR-22 form guarantees financial responsibility on the part of the driver since it means that they have a car insurance policy that satisfies the minimum state requirements. SR-22 insurance in Missouri costs more than standard car insurance coverage.
Best Car Insurance in Missouri for High-Risk Drivers
MoneyGeek ranked high-risk car insurance companies in Missouri based on their affordability, customer service and financial stability. Based on our analysis, the best high-risk car insurance in Missouri is from State Farm, with a MoneyGeek score of 91 out of 100. In second place is Allstate, garnering a score of 90 out of 100.
The average premium for high-risk car insurance in Missouri from State Farm is $951 per year. It is around 10% more expensive than the premium for drivers with clean records.
State Farm allows high-risk drivers to save money on their premium by offering discounts, such as good student, airbag and anti-theft system.
However, it doesn’t have many common add-on coverages, such as accident forgiveness, new car replacement and gap insurance.
MoneyGeek’s State Farm car insurance review talks about these coverages and discounts in detail.
Compared to an Allstate policy for drivers with clean records, car insurance for high-risk drivers in Missouri is roughly 17% more expensive. The average annual premium for a high-risk driver’s insurance policy from this company is $1,033 per year.
Allstate’s unique coverages include custom parts, portable and electronics media and sound system. It also offers many discounts that high-risk drivers may get to lower their premium, including responsible payment, pay in full, airbag and good student.
Our Allstate car insurance review talks more about the features of this car insurance company.
Sometimes, drivers have to pay more for quality car insurance. Unfortunately, Missouri does not have a government program to support low-income drivers that need help paying for car insurance. To help them find coverage, MoneyGeek found the cheapest car insurance for low-income drivers in Missouri.
Cheapest Car Insurance in Missouri for Drivers With a DUI
The cheapest high-risk car insurance in Missouri for drivers with a DUI is from State Farm. A policy from this company costs $928 per year on average. So you can decide if this company fits you best, MoneyGeek weighed its pros and cons in our State Farm car insurance review.
Veterans, active members of the military or their family members with a DUI may find the cheapest policy with USAA. Our USAA car insurance review is helpful to determine if it is a company suited to your needs.
A look-back period is the number of years that a DUI conviction stays on a driver’s record. In some states — like Missouri — a DUI remains on their record for five years. However, there are states that have a look-back period of 10 years or even a lifetime. This period guides authorities when sentencing repeat offenders and enacting stricter penalties.
Cheapest Car Insurance in Missouri for Teenage Drivers
Teenage drivers in Missouri can purchase the cheapest high-risk car insurance from Allstate. On average, a policy costs $2,422 per year, but the rates vary depending on age. MoneyGeek’s Allstate car insurance review analyzes the company further by going into its coverage options, discounts and service quality.
Due to their inexperience behind the wheel, teenagers are regarded as high-risk drivers. The cost of car insurance for teenagers can be expensive. You can save money by shopping around to find the best and cheapest car insurance for teens and students.
MoneyGeek advises buying a full coverage policy instead of minimum coverage because of the additional protection that can be useful for new drivers should they get into an accident.
Cheapest Car Insurance in Missouri for Drivers With Bad Credit
Allstate is the cheapest car insurance company in Missouri for high-risk drivers with bad credit. Annually, a driver with bad credit pays around $1,419 for their policy. Our Allstate car insurance review will show you what coverages and discounts you may get with this company.
Drivers with bad credit can be rejected by insurers, but getting a policy is possible. If they are given a policy, it’s more likely that their premium is more expensive than if they were a driver with good credit. It’s best to compare quotes from several insurers. MoneyGeek’s guide on how to get car insurance with bad credit can help you find the best and most affordable option possible.
How Much Does Car Insurance Cost for High-Risk Drivers in Missouri?
High-risk drivers in Missouri pay an average of $1,485 per year for car insurance. Meanwhile, drivers with clean records only pay $1,149 per year on average. That’s a difference of around $336 annually on the premium.
High-risk drivers have a more expensive premium because they could file more claims than a driver with a clean or low-risk record. The rate increase compensates for the possible accidents they may get into, requiring the insurer to pay out on a claim.
Annual Car Insurance Cost in MO for Low-Risk vs. High-Risk Drivers
This is 29% more expensive.
MoneyGeek’s Missouri car insurance calculator can help you get a ballpark figure for your high-risk auto insurance rate. You can adjust different factors according to your needs and enter the basics, such as your age, vehicle type and violations. It will help you have a better understanding of how each factor impacts the cost of car insurance in Missouri.
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Can You Still Get Car Insurance in Missouri if Insurers Refuse to Insure You?
An insurance company may think you’re too risky to insure. Insurance companies may choose not to give you coverage because insurance is a voluntary market. Nevertheless, it’s still possible for you to get a car insurance policy by seeking other solutions.
If you have been denied coverage because insurers think you’re too risky, the auto insurance residual market can give you coverage. Through this market, the expenses of insuring high-risk individuals are distributed among auto insurance companies. The continuous operation of this market is made possible by a non-profit called the Automobile Insurance Plan Service Office (AIPSO).
Missouri Automobile Insurance Plan
The residual market plan for Missouri used to be the Missouri Joint Underwriting Association until the Missouri Automobile Insurance Plan replaced it in 2008. If you have been denied car insurance in Missouri, you can apply for the Missouri Automobile Insurance Plan within 60 days of denial. You also need to have a valid driver's license or be eligible to get one. All car insurance companies participate in the Plan.
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Frequently Asked Questions
MoneyGeek answered frequently asked questions about high-risk car insurance in Missouri to help you get the coverage you need.
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.
To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.
About Mark Fitzpatrick
- AIPSO. "AIPSO’s Value to the Insurance Industry." Accessed September 16, 2022.
- AIPSO. "Missouri AIP." Accessed September 16, 2022.
- Responsibility.org. "National Drunk Driving Statistics Map." Accessed September 15, 2022.