Cheap Auto Insurance Quotes for Drivers Requiring a SR22 in Missouri

When writing about auto insurance, the words cheap or affordable should not appear anywhere in the article as a descriptor for auto insurance rates. Excuse the oxymoron, but cheap car insurance for drivers requiring a SR22 can be hard to find. But don’t despair, because we are going to show you how you can quote and buy coverage that is more affordable.

When shopping for cheaper insurance for high risk drivers, one of the many components that insurance companies use to calculate the price of your policy is the neighborhood you call home in Missouri. Densely populated urban areas like Florissant, University City, and Kansas City tend to have higher auto insurance costs, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.

The illustration below sorts the most expensive cities in Missouri for drivers requiring a SR22 to purchase auto insurance in.

Rate quotes are estimated as the specific area where the vehicle is garaged can lower or raise auto insurance rates noticeably.

The car, truck, or SUV you are seeking coverage for is a large consideration when quoting cheap car insurance for drivers requiring a SR22. Vehicles with higher performance characteristics, a lack of safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models. The information below ranks car insurance costs for a handful of the cheaper vehicles to buy insurance for.

Table data represents single male driver age 50, two speeding tickets, two at-fault accidents, $500 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific location information which can raise or lower insurance rates considerably.

Looking at the data, models like the Honda CR-V, Chevrolet Traverse, Honda Accord, and Ford Escape are most likely to be the cheapest vehicles to insure for high risk drivers. The price for car insurance will tend to be more expensive anyway just because there is more claim risk for drivers requiring a SR22, but in general those particular models will probably have the lowest prices compared to all other vehicles.

Figuring out which company quotes the lowest-priced insurance rates for drivers requiring a SR22 takes more time than just quoting one company’s rates.

Every car insurance company used slightly different criteria to set policy rates, so we’ll take a look at the insurance companies that tend to have lower prices in Missouri.

Best Auto Insurance Prices for SR22 Drivers

Get a Free Quote and Save

USAA offers some of the best car insurance rates in Missouri at around $662 a year. The Hartford, Electric, Allied, and Travelers would also make the list of some of the more affordable Missouri insurance companies.

As shown above, if you are currently insured with The Hartford and switched to USAA, you could see a yearly savings of roughly $155. Customers with Electric might save as much as $187 a year, and Allied customers might reduce prices by as much as $213 a year.

Be aware that those premiums are averaged for all drivers and vehicles in Missouri and do not factor in a rate surcharge for drivers requiring a SR22. So the car insurance company that can offer you the best rate may not even be shown in the rate chart shown above. That emphasizes why you need to quote rates from many companies using your own specific driver and vehicle information.

Ending up with the right company is hard considering how many companies sell insurance in Missouri. The company information listed below could help you analyze which companies you want to consider shopping your coverage with.

These rankings are only made up of companies that write coverage in many states, so companies that focus mainly on Missouri business are not factored into these rankings. To check rates and find cheaper insurance for drivers requiring a SR22, follow this link.

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

1. Progressive
2. Travelers
3. Liberty Mutual
4. Nationwide
5. USAA
6. AAA Insurance
7. Safeco Insurance
8. GEICO
9. Esurance
10. The General

Does Progressive, Geico, Allstate, or State Farm have the cheapest car insurance?

When shopping around for auto insurance for high risk drivers in Missouri, four of the best places to start are Progressive, Geico, Allstate, and State Farm. Combined they have over 45% of all vehicles in the U.S.. The following table breaks down some of the ratings and options that are available.