Cheapest Car Insurance Quotes for Government Employees in Missouri

It’s impossible to miss the captivating ads from auto insurance companies like Liberty Mutual, Allstate, and State Farm claiming big savings. So drivers just need to choose the one with the best commercial, right?

Unfortunately, it’s not that simple as there are a whole bunch of unknown aspects like if your vehicle is considered high performance, your marital status, the annual mileage you drive, and your financial stability, that all have an effect on the price. Car insurance is kind of a dry topic, but this article will explain the best ways to find cheap auto insurance and also should give you a good beginning to your quest for cheaper car insurance.

Finding dependable, low-cost car insurance is not easy, and determining which company has the cheapest auto insurance rates for government employees may require even more perseverance.

Each company has a unique approach for filing rates in each state, so we need to take a look at the auto insurance companies with the overall cheapest rates in Missouri. We do need to point out that Missouri auto insurance rates are impacted by many things that will increase or decrease the cost of coverage. That is why consumers need to take the time to shop around to get cheap auto insurance quotes for government employees. Rates are made up of many things and can increase or decrease at any time, so the best price two years ago may now be wasting a lot of money.

Find the Cheapest Auto Insurance in Missouri

Click to Compare Rates Now

USAA quotes some of the best car insurance rates in Missouri at around $648 each year. The Hartford, Electric, Allied, and MO Farm Bureau would also be considered some of the most economical Missouri car insurance companies.

As the rates illustrate above, if you have coverage with The Hartford and switched to USAA, you might realize yearly savings of about $169. Missouri drivers with Electric may save as much as $201 a year, and Allied insureds might realize rate reductions of up to $219 a year.

To find out how your current rates compare, click here to begin a quote or click several companies below for low rates.

It’s important to note that these prices are averaged across all types of insureds and vehicles and do not take into consideration a rate decrease for government employees. So the auto insurance company that fits you best may not even be included in the chart above. That’s why you need to get rate quotes from many companies using your own specific driver information and vehicle.

The cost and performance of the vehicle needing coverage is probably the biggest factor that determines whether or not you can buy cheap car insurance for government employees. Vehicles with more horsepower, poor crash test ratings, or a track record of large liability claims will cost quite a bit more to insure than more economical and safe models.

The next lists features coverage costs for a selection of the cheapest vehicles to insure.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, multi-policy, and claim-free. Premium costs do not factor in specific garaging location which can raise or lower price quotes considerably.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in specific garaging location which can increase or decrease prices significantly.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Price estimates do not factor in Missouri location which can raise or lower auto insurance rates substantially.

When shopping for the cheapest car insurance for state and federal workers, one of the many components that car insurance companies use when figuring the amount you pay each year for auto insurance is where you keep your car in Missouri. Cities with larger populations or higher claim trends like Florissant, University City, and Independence tend to have higher rates, whereas areas with less congestion have the luxury of lower rates.

The illustration below lists the higher priced cities in Missouri for government employees to buy auto insurance in.

Table data uses comparative as specific location information can lower or raise premiums noticeably.

Ratings for Missouri auto insurance companies

Picking the highest-rated company is difficult considering how many companies there are to choose from in Missouri. The ranking data shown next may help you select which insurers to look at when comparing rates. These rankings are only comprised of companies with a national presence, so companies without a large exposure will not be included in the list.

Top 10 Major Auto Insurers Overall in Missouri

1. USAA
2. 21st Century
3. GEICO
4. Nationwide
5. AAA Insurance
6. Liberty Mutual
7. Safeco Insurance
8. State Farm
9. Travelers
10. American Family

Is the best company State Farm, Progressive, Geico, or Allstate?

If you’re looking for the cheapest auto insurance for state and federal workers in Missouri, the four most popular companies are State Farm, Progressive, Geico, and Allstate. When combined, they insure almost 50% of all policies written in the United States. The following table points out price, claims, and customer service ratings, as well as some optional coverages that are available for buyers.