Average Cost Of Full Coverage Car Insurance In Missouri

What Is Full Coverage Car Insurance?

Full coverage car insurance is an insurance policy that provides financial protection from damages and losses caused by a car accident. It includes a variety of coverage types, such as bodily injury liability, property damage liability, medical payments, uninsured motorist, and collision coverage. The cost of full coverage car insurance can vary significantly from one state to another. In Missouri, the average cost of full coverage car insurance is typically higher than the national average.

Average Cost Of Full Coverage Car Insurance In Missouri

The average cost of full coverage car insurance in Missouri is $1,244. This is higher than the national average of $1,009. It is important to note that the cost of full coverage car insurance can vary significantly depending on several factors, including age, gender, driving experience, location, and the type of vehicle being insured. Drivers in Missouri who are younger or who have less driving experience may find that their premiums are higher than average.

Factors That Affect The Cost Of Full Coverage Car Insurance In Missouri

The cost of full coverage car insurance in Missouri is affected by several factors, including age, gender, driving experience, location, and the type of vehicle being insured. Younger drivers and those with less driving experience may find that their premiums are higher than the average. Additionally, those who live in more densely populated areas may also see higher premiums due to the increased risk of accidents and claims. The type of vehicle being insured can also affect the cost of full coverage car insurance, as some vehicles are more expensive to repair and replace than others.

Discounts That Can Lower The Cost Of Full Coverage Car Insurance In Missouri

There are several discounts available that can help reduce the cost of full coverage car insurance in Missouri. These include discounts for having a good driving record, taking a defensive driving course, having multiple policies with the same company, and having certain safety features on the vehicle. Additionally, some insurance companies offer discounts for students who maintain a certain grade point average. Finally, some insurance companies offer discounts for policyholders who have a clean driving record and have not had any accidents or moving violations in the past three years.

The Bottom Line

The cost of full coverage car insurance in Missouri is typically higher than the national average. However, there are several factors that can affect the cost, such as age, gender, driving experience, location, and the type of vehicle being insured. Additionally, there are discounts available that can help reduce the cost of full coverage car insurance in Missouri. Drivers in Missouri should shop around and compare quotes from multiple insurance companies in order to get the best rate.