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
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.
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.
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.
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.
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.
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.