Who Has the Cheapest Car Insurance for Teenagers in Missouri?

Who Has the Cheapest Car Insurance for Teenagers in Missouri?

Establishing which companies have the cheapest car insurance rates for teenagers will involve a bit more effort in order to find the most economical policy.

Every auto insurer used slightly different criteria for establishing rates, so we need to take a look at the most budget-friendly car insurance companies in Missouri. Keep in mind that Missouri car insurance rates are impacted by many things that will increase or decrease the price you have to pay. Simply having a birthday, having a teen driver, or getting a ticket for careless driving may cause policy rate changes that can now make some companies cheaper than competitors.

Cheapest Insurance Rates for Teens

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Cheapest auto insurance in Missouri ranked by cost per year
Rank Company Cost Per Year
1 USAA $642
2 The Hartford $809
3 Electric $867
4 Allied $875
5 Travelers $998
6 Auto-Owners $1,007
7 MO Farm Bureau $1,021
8 Farmers $1,117
9 Nationwide $1,131
10 Cameron Mutual $1,154
11 State Farm $1,234
12 American Family $1,241
13 Safe Auto $1,363
14 GEICO $1,392
15 Shelter $1,419
16 Progressive $1,424
17 Safeco $1,426
18 California Casualty $1,439
19 MetLife $1,473
20 Auto Club $1,518
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USAA has some of the cheapest car insurance rates in Missouri at around $642 each year. The Hartford, Electric, Allied, and Travelers would also be considered some of the more affordable Missouri car insurance companies.

As the example above demonstrates, if you currently have coverage with Allied and switched to The Hartford, you could see annual savings of approxmiately $66. Policyholders with Travelers may save as much as $189 a year, and Auto-Owners insureds might reduce rates by $198 a year.

It’s important to note that these prices are averages for all drivers and vehicles and do not take into consideration a price increase for teenagers. So the insurer that fits you best may not even be featured in the list of companies shown earlier. That’s why you need to get auto insurance quotes using your own driver and vehicle profiles.

The vehicle model that is being insured is probably the largest consideration when consumers are trying to find low-priced insurance for teenagers. Vehicles with high performance, a lack of modern safety features, or an increased likelihood of liability claims will cost substantially more to insure than safer models.

The lists below shows insurance rates for a selection of the cheaper automobiles to buy insurance for.

Car Insurance Rates for Popular Cars in Missouri
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $2,994 $1,497 $250
Honda Accord LX-P 4-Dr Sedan $2,522 $1,261 $210
Honda Civic EX-L 2-Dr Coupe $3,794 $1,897 $316
Hyundai Elantra Blue 4-Dr Sedan $3,150 $1,575 $263
Hyundai Sonata GLS 4-Dr Sedan $3,218 $1,609 $268
Kia Optima SX $3,432 $1,716 $286
Toyota Camry XLE $3,180 $1,590 $265
Toyota Corolla XLE $3,180 $1,590 $265
Volkswagen Jetta SE 2.5 Station Wagon $2,950 $1,475 $246
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Table 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 information does not factor in specific location information which can influence premiums significantly.

Car Insurance Rates for Popular SUVs and Crossovers in Missouri
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Cadillac Escalade Hybrid 4WD $4,074 $2,037 $340
Chevrolet Traverse LT AWD $2,764 $1,382 $230
Ford Escape XLT 2WD $2,522 $1,261 $210
Ford Explorer Limited 2WD $3,022 $1,511 $252
GMC Acadia SLT AWD $3,022 $1,511 $252
Honda CR-V EX 4WD $2,552 $1,276 $213
Honda Pilot Touring 4WD $3,022 $1,511 $252
Jeep Grand Cherokee Laredo 2WD $2,994 $1,497 $250
Jeep Wrangler Sport Islander Package 4WD 2-Dr $2,780 $1,390 $232
Subaru Forester XT Limited Edition W/Navigation AWD $2,980 $1,490 $248
Toyota 4Runner Limited 2WD $2,980 $1,490 $248
Toyota Highlander 2WD $2,810 $1,405 $234
Toyota RAV4 Sport 2WD $2,994 $1,497 $250
Volvo XC90 3.2 AWD $3,422 $1,711 $285
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Premium data assumes 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. Table data does not factor in Missouri location which can alter premium rates substantially.

Car Insurance Rates for Popular Pickup Trucks in Missouri
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $3,208 $1,604 $267
Chevrolet Silverado 3500HD LT Crew Cab 4WD $3,852 $1,926 $321
Chevrolet Silverado LTZ Crew Cab 2WD $3,432 $1,716 $286
Dodge Ram 2500 Mega Cab SLT 2WD $3,646 $1,823 $304
Dodge Ram Crew Cab Laramie 4WD $3,646 $1,823 $304
Ford F-150 XLT Crew Cab 4WD $3,022 $1,511 $252
GMC Canyon SLE Ext Cab Z71 2WD $2,964 $1,482 $247
GMC Sierra 3500HD SLE Extended Cab 4WD $3,852 $1,926 $321
GMC Sierra SLT Extended Cab 2WD $3,208 $1,604 $267
Toyota Tundra SR/5 Crew Max 4WD $3,462 $1,731 $289
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Data assumes 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 estimates do not factor in the specific area where the vehicle is garaged which can revise premium rates significantly.

One of the more important things that affect the amount you pay for auto insurance is your address in Missouri. Cities with larger populations or higher claims like Saint Louis, University City, and Mehlville tend to have more expensive car insurance rates, whereas areas with less traffic congestion and claims generally benefit from lower car insurance rates.

The following table lists the priciest cities in Missouri for teenagers to purchase auto insurance in.

Missouri cities ranked by car insurance cost
Rank City Premium Per Year
1 Saint Louis $1,474
2 Florissant $1,459
3 University City $1,394
4 Kansas City $1,295
5 Mehlville $1,272
6 Independence $1,264
7 Raytown $1,264
8 Wildwood $1,251
9 Chesterfield $1,244
10 Ballwin $1,232
11 Kirkwood $1,199
12 Joplin $1,160
13 Saint Joseph $1,156
14 Liberty $1,153
15 Wentzville $1,145
16 Blue Springs $1,138
17 Lee’s Summit $1,135
18 Saint Charles $1,129
19 Saint Peters $1,128
20 O’Fallon $1,123
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Premium amounts are approximated as the vehicle garaging location can modify price quotes significantly.

Ratings for Missouri car insurance companies

Picking the highest-rated auto insurance company can be difficult considering how many companies there are in Missouri. The company rank data shown next can help you select which auto insurers you want to consider shopping your coverage with. These rankings are only made up of large nationwide companies, so smaller companies that only insure vehicles in Missouri will not be included in this list.

Top 10 Major Auto Insurance Companies in Missouri Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Nationwide – A+
  6. Esurance – A+
  7. The Hartford – A+
  8. Progressive – A+
  9. Allstate – A+
  10. The General – A-

Top 10 Major Auto Insurance Companies in Missouri Ranked by Customer Service

  1. State Farm
  2. Nationwide
  3. Safeco Insurance
  4. American Family
  5. Travelers
  6. Liberty Mutual
  7. GEICO
  8. Allstate
  9. The Hartford
  10. Farmers Insurance