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Car Insurance
Columbia MO
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No Long Forms
No Long Forms
(888) 291-7830
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Missouri has some of the highest car insurance rates in the United States. Missouri drivers pay an average of $1,441 per year for their auto insurance policies, which is far higher than the national average of $878. There are several factors that contribute to Missouri’s expensive car insurance rates, including high population density and a large number of uninsured vehicles on Missouri roads. Columbia also has a history of costly accidents due to its location along major highways and relatively lower driver education requirements. Lastly, Missouri is one of only seven states that allow insurers to factor credit scores into determining premiums, which can further raise costs for many Missouri drivers. All these factors combined make Missouri one of the most expensive states for car insurance in the country. Taking steps to ensure you are properly insured, such as shopping around for the best rates and taking advantage of discounts, can help Missouri drivers save money on their auto insurance policies.
It is important to remember that car insurance rates vary widely from one driver to another, even within Missouri. Factors like driving record, age, gender, vehicle type and location all play a role in determining premiums. Shopping around for the best rate can be an effective way for Columbia drivers to find the most affordable car insurance coverage that meets their needs. Additionally, Missouri drivers may qualify for certain discounts or benefit from bundling policies with their insurer. Taking the time to explore all these options is key to finding the right car insurance policy at an affordable price in Missouri.
Columbia drivers should also consider the importance of having adequate car insurance coverage. Missouri has a minimum liability insurance requirement, but it's important to understand that these limits may not be enough to protect your financial interests in the event of an accident. Consider speaking with an auto insurance agent to determine how much coverage is necessary for your particular situation. Purchasing additional protection can help Missouri drivers safeguard their assets and provide peace of mind on the road.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $3,806 |
| 20 Years | $1,507 |
| 30 Years | $1,161 |
| 40 Years | $1,117 |
| 50 Years | $1,034 |
| 60 Years | $1,049 |
| 70 Years | $1,221 |
The cost of auto insurance in Columbia can vary significantly depending on the driver's age. Generally, younger drivers pay more for their auto insurance than older drivers due to their lack of experience and higher risk of accidents. Missouri has adopted a Graduated Driver Licensing (GDL) system that is designed to reduce the number of teenage driving fatalities. Under this system, young drivers are required to complete certain steps before they can obtain full licensure. As such, Missouri’s minimum liability requirements are slightly lower than those found in other states.
For young Columbia drivers aged 16-24, car insurance rates can range from around $2,400 - $4,500 per year for minimum coverage levels. Rates may be even higher for drivers involved in accidents or with multiple speeding violations. For Missouri drivers aged 25-65, rates are typically much lower, ranging from $900 - $2,500 per year. However, this could still vary depending on the driver’s record and other factors like their credit score.
Overall, Missouri has some of the lowest minimum auto insurance requirements in the country. Regardless of age, Columbia drivers should make sure they're carrying at least the state required amount of coverage to protect themselves financially in case of an accident. Shopping around and comparing quotes can help Missouri drivers find the best rate for their situation and save money on auto insurance premiums.
|
| American Family | Shelter | State Farm | Farmers | Progressive |
| NAIC Market Share | 2.28% | 8.9% | 16.14% | 4.16% | 13.45% |
| S&P Global Ratings | A | A+ | AA | A | A |
| Average Full Coverage Yearly Premium | $1,354 | $2,177 | $1,409 | $1,733 | $1,565 |
| Discount Rating | 5 stars | 4 stars | 5 stars | 4 stars | 5 stars |
|
| American Family | Shelter | State Farm | Farmers | Progressive |
| NAIC Market Share | 2.28% | 8.9% | 16.14% | 4.16% | 13.45% |
| S&P Global Ratings | A | A+ | AA | A | A |
| Average Full Coverage Yearly Premium | $1,354 | $2,177 | $1,409 | $1,733 | $1,565 |
| Discount Rating | 5 stars | 4 stars | 5 stars | 4 stars | 5 stars |
|
| American Family | Shelter | State Farm | Farmers | Progressive |
| NAIC Market Share | 2.28% | 8.9% | 16.14% | 4.16% | 13.45% |
| S&P Global Ratings | A | A+ | AA | A | A |
| Average Full Coverage Yearly Premium | $1,354 | $2,177 | $1,409 | $1,733 | $1,565 |
| Discount Rating | 5 stars | 4 stars | 5 stars | 4 stars | 5 stars |
908 Rain Forest Pkwy Ste C, Columbia, MO 65202
(573) 442-5291
https://www.shelterinsurance.com/CA/agent/MIKEMESSER
1905 W Ash St, Columbia, MO 65203
(573) 214-4846
https://www.shelterinsurance.com/claims/claimsoffice/missouri
1205 Grindstone Pkwy #117, Columbia, MO 65201
(573) 445-8426
http://www.aaa.com/
313 S Providence Rd, Columbia, MO 65203
(573) 874-1909
http://www.aaa.com/
Columbia, MO 65201
No phone number found
No website found
1729 W Broadway, Columbia, MO 65203
(573) 445-1749
https://www.shelterinsurance.com/CA/agent/NANCYALLISON
Missouri’s auto insurance market is highly competitive. Drivers in Missouri have many options when shopping for car insurance, and with so many companies available it can be hard to know which one is right for them. In order to help Columbia drivers make an informed decision when selecting an auto Insurance provider, we compared the rates, discounts, coverage options, customer service ratings and other factors of the top car insurers in Missouri. Our research revealed that Missouri drivers can save money by comparing quotes from multiple providers before choosing their ideal policy. We also found that some of the best car insurance companies in Missouri include State Farm, USAA, American Family and Geico – all of which have great customer satisfaction scores and affordable policies tailored to Missouri residents. Ultimately, Missouri drivers can rest assured that they have plenty of options and opportunities to find the best car insurance rates in Missouri.
| Driving Infraction Type | Average Annual Premium | Potential Quote Savings |
| DUI | $4279 | $1007 |
| Reckless Driving | $4152 | $979 |
| Wrong Way/Wrong Lane | $3630 | $935 |
| Driving on Sus. License | $3184 | $934 |
| Illegal Turn | $2980 | $917 |
| Failure to Obey Traffic Sign | $2958 | $868 |
| Speeding over 15 | $2725 | $864 |
| Defective Equipment | $2328 | $811 |
| Speeding under 15 | $2228 | $725 |
Driving infractions can have a significant impact on car insurance premiums in Columbia. Depending on the severity of the offense, Missouri drivers could be faced with higher rates for years following an incident. Driving violations such as DUI, reckless driving, and excessive speeding are all common factors that can increase Missouri car insurance premiums. Additionally, Missouri drivers may also see an increase in their premiums if they fail to provide proof of financial responsibility or if they become involved in multiple at-fault accidents.
It's important for Columbia drivers to understand how their driving record impacts their car insurance premium so they can make better decisions while behind the wheel. The Missouri Department of Insurance recommends drivers review their records regularly to ensure accuracy and limit the long-term financial consequences of driving infractions. Columbia drivers can also consider taking defensive driver courses or other driving improvement programs to help keep their rates low and maintain a safe driving record.
If Columbia drivers do find themselves facing increased insurance premiums due to a violation, there are steps they can take to mitigate the financial impact. Shopping around for better rates is an option, as different insurers may have more lenient policies towards certain violations. Additionally, Missouri law requires insurance companies to offer Good Driver Discounts after three years of accident-free driving; this could result in lower premiums for Missouri drivers who demonstrate responsible behavior on the road.
| Credit Rating | Average Rate |
| Average of All Credit Ratings | $1366 |
| Below Fair | $2318 |
| Poor | $2601 |
| Worst | $2902 |
When it comes to getting cheaper quotes on insurance in Columbia, credit score can play an important role. Insurance companies may use your credit score when determining the premium rates, they offer you. This is because insurers see those with higher scores as being more likely to pay their premiums on time and less likely to make insurance claims. Therefore, having a good credit history can be beneficial if you are looking for lower cost quotes in Missouri. However, it’s important to keep in mind that other factors such as driving history and vehicle type also impact the prices of your insurance policy. For this reason, it’s best to shop around to get the most competitive rate possible. Additionally, don’t forget to compare deductibles and coverage levels to ensure that you are getting the best value for your money. All in all, a good credit score can help you get cheaper quotes on insurance in Missouri. However, it’s important to remember that other factors also influence premiums and so you should always shop around to find the right policy for you.
When you're shopping for a new or used vehicle in Columbia, it's important to remember to factor in the total monthly cost of your car—not just the price tag. This includes insurance, gas, maintenance and registration fees. It's also important to consider how much time and money you'll be spending on repairs should any issues arise. Calculate all these expenses before making your final decision so that you know exactly what you're getting yourself into. When it comes to cars, Missouri drivers want value for their money; researching ahead of time can help ensure that you get the best deal possible.
In Columbia, there are several other factors to consider when purchasing a new or used vehicle as well. Tax rates vary by county and city, so be sure to factor that into your budget. Missouri also has an emissions testing program, so you'll need to make sure the car passes inspection prior to purchase. Taking the time to do your research before buying a used car will help you make the best decision possible.
In Columbia, it is important to make sure you have adequate insurance coverage for your car. You can choose between full coverage and liability only insurance. Full coverage includes comprehensive and collision protection in addition to the state minimums of property damage liability and bodily injury liability. This provides a greater level of protection if you are involved in an accident or if there is any type of damage caused to your vehicle. Liability only includes the state minimums and does not provide additional coverage for any damage done to your vehicle. It's important to consider both options when deciding what type of insurance plan is best for you. Missouri requires that all drivers carry at least the state minimum amount of auto insurance, but full coverage will offer more protection in case of an accident or other incident. Consider both options and make an informed decision about which is best for you as a Missouri driver.
Drivers in Columbia are required to carry certain amounts of auto insurance coverage, including bodily injury and property damage liability coverage. Missouri state law requires drivers to have a minimum of $25,000 per person for bodily injury liability coverage and $50,000 total per accident for bodily injury liability coverage. Property damage liability must be at least $10,000 per accident. In addition to the mandatory auto insurance requirements set by Missouri's Department of Revenue, uninsured motorist protection is also recommended as it can help protect you if an uninsured driver damages your vehicle. Other types of optional car insurance coverage that may be available include comprehensive and collision coverage to cover repairs or replacements on your own vehicle if it becomes damaged in an accident. In Missouri, driving without the minimum required insurance is illegal, and you may be subject to fines and other consequences if caught. Taking the time to research your Missouri auto insurance options will help ensure that you have the coverage you need at an affordable price.
Columbia drivers are eligible for some great car insurance discounts. Missouri law requires that all Missouri drivers have liability coverage at least equal to the minimum limits required by state law. Missouri also offers additional discounts for taking driver safety courses, driving a clean record, and having multiple cars insured with one company.
The Missouri Department of Insurance Resources (DIR) has several online resources available to help Missouri drivers find the best car insurance rates and discounts in their area. Through their website, Missouri residents can compare auto insurance rates from various companies and apply for discounts based on their individual needs.
For example, Columbia residents may qualify for a multi-car discount if they insure more than one vehicle through the same insurer. Additionally, many Missouri insurance companies offer discounts to Missouri drivers who take an approved driver safety course. Taking a defensive driving course can help Missouri drivers save money on their car insurance premiums.
Finally, Columbia residents may also qualify for a clean record discount if they have a good driving record and no moving violations or at-fault accidents in the past year. It is important to shop around and compare rates from different Missouri insurers to ensure you are getting the best rate available. By taking advantage of these discounts, Missouri drivers can reduce the cost of their car insurance policy and keep more money in their pocket.
If you’re a Columbia resident with a teen driver in the family, you know that having adequate auto insurance coverage is essential for keeping them safe on the roads. Missouri law requires all drivers to carry at least minimum levels of liability coverage, but additional coverage can provide even more protection and peace of mind.
Fortunately, Columbia has some options specifically designed for teenage drivers and their families. There are special auto insurance discounts available for teens who take defensive driving classes or get good grades in school. Additionally, many insurers offer reduced rates to teenagers who have completed driver education courses and maintain good driving records.
Seniors in Columbia have many options when it comes to finding car insurance. Missouri offers a wide variety of coverage plans, so seniors can find the right plan that meets their needs and budget. There are several factors that will affect the cost of car insurance for seniors in Missouri, including age, driving record, vehicle type, miles driven per year, and more. Many Missouri insurers offer discounts for seniors with clean driving records or who take driver education classes. It is important to shop around and compare rates from different Missouri car insurance providers to make sure you are getting the best rate possible for your specific needs. Additionally, Missouri has certain laws and regulations in place that apply only to senior drivers, such as mandatory vision tests before renewing a license.
If you have multiple traffic violations in Missouri, or if your Columbia driver's license has been suspended or revoked, the Missouri Department of Revenue may require you to obtain SR-22 insurance. SR-22 is a type of car insurance that provides proof that you are meeting Missouri’s minimum auto insurance coverage requirements. It is a certificate of financial responsibility (COFR) issued by an insurer that verifies to the state that you have liability auto insurance and that it meets the required limits. Missouri drivers with SR-22 must maintain this coverage for at least three years before it can be canceled. Failure to do so could lead to further penalties and fines from the Missouri Department of Revenue. If you believe you may need an SR-22, speak to your auto insurance provider for more information. Please note that not all Missouri drivers are required to have an SR-22 and it should only be obtained after consulting with your insurer or the Missouri Department of Revenue. Additionally, some insurers may choose not to provide SR-22 coverage so you may need to shop around in order to find a provider who will issue it.
It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Columbia, Missouri. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Columbia, MO. If you're looking for coverage after a DUI conviction then take a look at Missouri SR22 car insurance.
The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.
