How Much is Car Insurance for Drivers Under 25 in Missouri?

Since we’re writing about car insurance, the word “cheap” should never appear anywhere in the article. Nonetheless, cheap auto insurance for drivers under 25 is pretty hard to find. Don’t let that discourage you, because we will teach you how you can find coverage that is easy on your budget.

We all like different vehicles, and the type of vehicle that is being insured is a large factor when comparing quotes for the cheapest auto insurance for drivers under 25. Vehicles with reasonable performance levels, good crash test ratings, or a low likelihood of having liability claims will cost significantly less to insure than adrenaline junky models. The next tables illustrates car insurance prices for a number of the more afforable vehicles to insure in Missouri.

Prices based on single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, and safe-driver. Estimates do not factor in specific zip code location which can affect price quotes considerably.

Data based on single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in the specific area where the vehicle is garaged which can impact coverage prices noticeably.

Above prices assume single male driver age 20, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, and claim-free. Price estimates do not factor in specific location which can lower or raise coverage rates noticeably.

Shopping around for low-priced car insurance is easier said than done, and finding out which insurers offer the cheapest car insurance rates for drivers under 25 will require even more perseverance. Insurance premiums will be somewhat more expensive than the average rate in Missouri, with the higher price attributed to the higher likelihood of claims that comes with offering insurance for drivers age 25 and younger, but competitively-priced insurance may be attainable if you carefully shop around. Each auto insurance company has a proprietary method to establish rates, so let’s rank the car insurance companies with the most affordable rates in Missouri.

Keep in mind that Missouri car insurance rates are determined by lots of factors that will increase or decrease your annual premium. Simply turning a year older, adding a teenager to your policy, or having a fender bender may generate price changes that can now make some companies more affordable than the competition.

Lowest Insurance Price Quotes for Young Drivers

Click to Compare Rates Now

USAA has some of the best car insurance rates in Missouri at around $642 per year. The Hartford, Electric, Allied, and Travelers also qualify as some of the cheapest Missouri car insurance companies.

In the above example, if you currently buy coverage from Allied and switched to The Hartford, you could see a yearly savings of about $82. Insureds with Travelers could save as much as $215 a year, and MO Farm Bureau insureds might see rate reductions of $228 a year.

If you want to see how much you could save, click here to get a free quote or quote prices from the following companies.

Be aware that those estimates are averaged for all drivers and vehicles in Missouri and do not take into consideration a rate surcharge for drivers under 25. So the company that has the cheapest rates for you may not even be shown in the rate chart shown above. That illustrates why you need to get rate quotes from many companies using your own individual information.

When shopping for the cheapest auto insurance for drivers age 25 and younger, one of the many considerations used to establish the price you pay for insurance is where your car is garaged. Urban areas that are densely populated like Saint Louis, University City, and Wildwood likely pay more, whereas areas with less people or fewer weather incidents profit from lower rates.

The information below illustrates the highest-priced areas in Missouri for drivers under 25 to purchase car insurance in.

Annual rates are estimated as the vehicle garaging location can affect rates substantially.

Discounts on cheap auto insurance for drivers under 25 in Missouri

Auto insurance companies that provide coverage for drivers under 25 may provide premium discounts that could potentially reduce rates by 35% or more if you qualify for them. A list of car insurance companies and their possible discounts can be read below.

• State Farm offers discounts for Steer Clear safe driver discount, passive restraint, safe vehicle, multiple policy, driver’s education, and good student.
• GEICO discounts include multi-policy, air bags, membership and employees, federal employee, daytime running lights, and anti-lock brakes.
• Liberty Mutual offers premium reductions for new move discount, multi-policy, newly married, newly retired, and safety features.
• The Hartford has savings for good student, defensive driver, air bag, driver training, and bundle.
• MetLife offers discounts including accident-free, defensive driver, multi-policy, good student, good driver, claim-free
• Progressive has discounts for continuous coverage, online signing, multi-vehicle, multi-policy, and online quote discount.

The chart below shows the difference between insurance costs with and without discounts being applied to the rates. The premium estimates are based on a male driver, no violations or claims, Missouri state minimum liability limits, comp and collision included, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second bar shows the rates with good student, vehicle safety, anti-theft, paperless filing, continuous coverage, and paid-in-full discounts applied. When drivers qualify for the discounts, the the average yearly reduction on car insurance for drivers under 25 is 18% or $382.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 3589,2585],[‘Age 30’, 1839,1343],[‘Age 40’, 1671,1335],[‘Age 50’, 1615,1211],[‘Age 60’, 1959,1171]]);var options = {title: ‘Effect of Discounts on Insurance Rates for Drivers Under 25’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Missouri’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Geico, Allstate, Progressive, or State Farm: Who is best?

If you are shopping around for auto insurance for drivers age 25 and younger, four good companies to start with are Geico, Allstate, Progressive, and State Farm. The table below breaks down some of the different options and features offered by each company.