Updated: April 23, 2025
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MoneyGeek’s data shows that Missouri drivers convicted of driving under the influence of alcohol or drugs (DUI) can get the cheapest car insurance from State Farm. From our findings, the best overall provider in the state for full coverage insurance is Allstate. State Farm is the best for minimum coverage.
In Missouri, drivers with a DUI can find the most affordable full coverage car insurance with State Farm at $980 annually, followed by American Family at $1,068 per year.
For Missouri drivers with a DUI, the top two cheapest providers for minimum coverage car insurance are State Farm at $481 per year and American Family at $668 per year.
For Missouri drivers with a DUI seeking full coverage insurance, Allstate stands out as the best overall provider, backed by notable high scores in customer satisfaction and financial stability, with an annual cost significantly impacted by a 42.6% average rate increase after a DUI conviction.
Purchasing car insurance is mandatory across all U.S. states. However, some insurers may legally deny you a policy if you have a DUI on your driving record, while others offer you coverage at increased rates since you are considered high-risk.
If you are convicted of a DUI in Missouri, you’ll pay 42.6% more on average for car insurance than a driver with a clean record. You will also face legal penalties such as jail time, fines, completing an alcohol treatment program and license revocation.
Ensure you are getting the best rate for your insurance. Compare quotes from the top insurance companies.
Typically, the most affordable car insurance companies for DUI offenders in the United States are Progressive and State Farm. This holds true in Missouri, where State Farm is the cheapest car insurance company for someone with a DUI. However, the cheapest insurer may vary across states.
The coverage level you choose could determine your car insurance rates after a DUI. Based on MoneyGeek’s findings, the most affordable companies for full coverage car insurance for people with a DUI in Missouri are:
Although USAA is the cheapest option at $807 per year, it’s only available to military members and their families.
| 1 | USAA | $807 |
| 2 | State Farm | $980 |
| 3 | American Family | $1,068 |
| 4 | Allstate | $1,155 |
| 5 | Allied | $1,675 |
One way to cut the cost of car insurance after a DUI is to get the minimum coverage amount. We found that the cheapest minimum coverage car insurance companies in Missouri after a DUI are:
Eligible military-affiliated drivers can get cheaper coverage from USAA at an average of $346 per year.
| USAA | $346 |
| State Farm | $481 |
| American Family | $668 |
| Progressive | $717 |
| Allstate | $719 |
| Esurance | $943 |
| Farmers | $952 |
| Shelter | $1,094 |
| AAA | $1,105 |
| Allied | $1,140 |
| GEICO | $1,241 |
| MetLife | $1,992 |
Minimum coverage car insurance costs less than a full coverage policy but may not provide sufficient protection after an accident. The state minimum car insurance only covers the cost of damage and injury to the other driver if you are at fault in an accident. You may need to purchase additional coverage if you need more protection.
MoneyGeek ranked car insurance companies based on customer satisfaction, affordability and financial stability to determine the best car insurance for someone with a DUI. According to our findings, the top insurer in the state for full coverage is Allstate, whereas the best for minimum coverage car insurance is State Farm.
According to MoneyGeek’s unique scoring system, the best car insurance companies for DUI offenders in Missouri who want full coverage policies are Allstate and State Farm.
State Farm’s full coverage car insurance policies cost an average of $980 per year if you have a DUI and $906 without a DUI. Therefore, the rate will go up by about 8.16% if you are a DUI offender.
State Farm has fairly high scores across all categories, making it the second-best provider for those with a DUI in Missouri. State Farm policyholders can access various discounts, but accident forgiveness is not one of them.
Allstate’s average cost of full coverage car insurance if you have a DUI is $1,155 per year. Drivers without a DUI pay $893 per year, a difference of 29.23%.
Allstate ranks consistently high across all evaluation categories. The insurer offers custom parts and sound systems coverage as add-on insurance. However, Allstate does not offer common discounts such as defensive driving and multiple car discounts.
The best minimum coverage car insurance companies in Missouri for drivers with a DUI are State Farm and Allstate. Although minimum coverage policies feature the lowest premiums, they may not be enough to cover all the expenses after an accident.
Missouri drivers will pay an average of $481 per year for minimum coverage car insurance if convicted of a DUI, compared to $438 for those who aren’t. The rate increases by 8.16% if you have a DUI on your record.
In Missouri, State Farm is an affordable and high-scoring insurance provider. It provides common additional coverages like roadside assistance and rental car or travel reimbursement but offers no unique coverage options.
Allstate’s minimum coverage car insurance costs an average of $719 per year with a DUI and $569 without a DUI. You will have to pay 29.23% more if you are a DUI offender.
Allstate has high customer satisfaction and stability scores. The insurer also offers unique custom parts and sound system coverage.
MoneyGeek’s analysis shows that car insurance premiums increase by 42.6% in Missouri after you get a DUI. Drivers in this state pay an average of $1,237 per year with a clean record and $1,765 after a DUI. You can use the list below to compare more auto insurance rates with or without a DUI.
How long does a DUI affect the cost of your car insurance?
A DUI's duration on your driving record is known as a look-back period. DUI offenses committed within the look-back period result in additional penalties. Look-back periods differ across the states, and in Missouri, it will take five years for your driving record to be clear of a DUI offense.
Full Coverage
$1,237
Full Coverage
$1,765This is 43% more expensive.
Your car insurance rates are likely to increase if you have a DUI on your record since insurers consider drivers with DUIs as high-risk. Use MoneyGeek's car insurance calculator below to obtain a personalized cost estimate for your driving profile.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jun 20, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 96 /of 100 | $91 | |
| 2 | 93 /of 100 | $100 | |
| 3 |  Nationwide | 91 /of 100 | $109 |
| 4 | 78 /of 100 | $154 | |
| 5 | 87 /of 100 | $157 | |
| 6 |  GEICO | 82 /of 100 | $172 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
In addition to increased policy costs, there are other financial consequences associated with a DUI. Some of the additional costs may include:
Finding car insurance after a DUI conviction can be challenging. Insurance companies are private businesses and have the right to deny you a policy altogether if they consider you a high-risk driver. The state’s look-back period may also influence the insurer’s decision. For instance, a DUI stays on your record for five years in Missouri.
Your car insurance premiums will spike significantly after getting a DUI, and different companies may charge different rates. Comparing quotes across multiple providers can help you find the best and most affordable options.
If you’re convicted of a DUI in Missouri, you’ll need to have your insurer file an SR-22 form to confirm that your car insurance policy meets the state's minimum requirements. Filing this insurance has its own cost implications as well. You will need to pay filing fees and you may also lose the discounts associated with a typical car insurance policy.
Driving under the influence of drugs and alcohol often poses legal repercussions. In Missouri, a DUI conviction could incur penalties such as paying fines, license suspension, facing jail time and mandatory completion of an alcohol and drug education program. MoneyGeek outlines some relevant DUI laws in Missouri in the table below.
Blood alcohol concentration (BAC) is the amount of alcohol in a person’s blood. Missouri considers driving with a BAC of 0.08% and above criminal.
BACs between 0.15% and 0.2% warrant two days of mandatory imprisonment. A BAC of 0.2% and above warrants mandatory imprisonment in Missouri for five days. If your BAC is above 0.15%, you have to complete a drug or alcohol education program before the state restores your driving privileges.
Missouri's administrative license suspension law allows an officer to suspend your driving license for 90 days if you fail an alcohol test for the first time.
Missouri drivers with a DUI conviction can get a restricted permit to drive to work, school or for medical treatment. Driving privileges differ when combined with ignition interlocks.
An ignition interlock system that requires you to take a BAC test before starting your car is mandatory for all repeated convictions.
In Missouri, getting car insurance with a DUI conviction can be challenging. MoneyGeek responded to the commonly asked questions to help you get the best coverage for your needs.
No law in Missouri requires insurance companies to cover drivers with a DUI. Your provider may cancel your active policy or deny to renew you once it expires.
Car insurance costs increase by 42.6% in Missouri after a DUI conviction. Drivers pay an average of $1,237 per year without a DUI and $1,765 after a DUI.
The cheapest car insurance company in Missouri for DUI offenders is State Farm, regardless of whether you get a full coverage or minimum coverage policy.
Due to the look-back period in Missouri, a DUI will stay on your driving record and affect your car insurance premiums for five years.
If you have a DUI, you can get the best car insurance policy by comparing quotes across multiple insurers that cover high-risk drivers.
To determine the top companies for individuals with DUIs in Missouri, MoneyGeek analyzed each company’s financial stability, customer satisfaction, claims and affordability based on data and information obtained from state insurance departments and Quadrant Information Services. The rates above are based on a 40-year-old male with and without a DUI driving a 2010 Toyota Camry LE with 12K annual mileage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
