Imparied driving due to drugs, prescription medicine or alcohol is up 49{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} in the last ten years and the cause of 20{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} of traffic fatalities in Missouri. High-risk driving that leads to serious accidents and fatalities aren’t limited to driving under the influence (DUIs). Speeding and reckless driving are also considered risky, dangerous behavior.
If your insurance carrier marks you as a high-risk driver, your premiums could skyrocket or you could even lose your coverage. You may have no choice but to purchase high risk auto insurance Missouri at a greater cost than average.
Rates for high-risk car insurance in Missouri
A number of factors that could classify you as a high-risk driver. Missouri high-risk auto insurance companies typically flag drivers as high risk if:
- They have one or more speeding tickets
- They were convicted of a DUI
- They recently caused one or more accidents
- They are teens or newly-licensed young adults
Some high-risk drivers face higher premiums than others depending on the violation. Take a closer look at how high risk car insurance Missouri rates can vary based on the factor.
Rates after a speeding ticket
While some car insurance companies only raise your premiums by a few percentage points after a speeding ticket, the average is a 20{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} to 40{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} increase. Speeding is considered a risky activity because it is often the cause of accidents. The National Highway Traffic Safety Administration (NHTSA) reports that speeding has been responsible for roughly one-third of all traffic-related fatalities in the last 20 years.
The following table shows how much car insurance rates in Missouri could increase after a single speeding ticket. Multiple speeding tickets or serious infractions, such as racing or driving over 100 miles per hour could result in even higher increases.
| Car insurance company | Missouri average annual premium for full coverage before a speeding ticket | Missouri average annual premium for full coverage after a speeding ticket | {de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} increase |
|---|---|---|---|
| AAA | $2,011 | $2,808 | 40{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Allstate | $1,528 | $2,545 | 67{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| American Family | $1,312 | $1,804 | 37{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Electric Insurance Company | $1,965 | $2,624 | 34{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Farmers | $1,320 | $1,850 | 40{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Geico | $1,713 | $1,772 | 3{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Kemper | $3,683 | $4,634 | 26{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Missouri Farm Bureau | $1,504 | $1,580 | 5{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Progressive | $1,386 | $1,652 | 19{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Safe Auto | $2,154 | $2,541 | 18{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Shelter | $1,923 | $2,313 | 20{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| USAA | $988 | $1,134 | 15{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
Rates after an accident
Causing a car accident can be costly for your insurance carrier. It would be responsible for the bulk of the medical, legal and property damages you cause, so your insurance premiums will more than likely increase after an at-fault accident.
| Car insurance company | Missouri average annual premium for full coverage before an accident | Missouri average annual premium for full coverage after an accident | {de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} increase |
|---|---|---|---|
| AAA | $2,011 | $2,873 | 43{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Allstate | $1,528 | $2,676 | 79{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| American Family | $1,312 | $2,094 | 60{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Columbia | $1,688 | $1,891 | 9{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Electric Insurance Company | $1,965 | $2,588 | 32{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Farmers | $1,320 | $2,012 | 49{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Geico | $1,713 | $2,149 | 26{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Kemper | $3,683 | $4,937 | 44{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Missouri Farm Bureau | $1,504 | $1,636 | 9{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Progressive | $1,386 | $2,298 | 63{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Safe Auto | $2,154 | $2,893 | 40{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Shelter | $1,923 | $2,592 | 35{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| State Farm | $1,642 | $1,745 | 6{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| USAA | $988 | $1,289 | 32{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
Rates after a DUI
Being charged with a Missouri DUI comes with long-term consequences. Your license will be suspended or revoked. First convictions typically result in a 90-day suspension, although more serious infractions could lead to one year without a driver’s license. You may also be required to obtain a certificate of financial responsibility (SR-22) from your insurance carrier to keep with you.
Some car insurance companies may cancel or choose to not renew your coverage. If they do continue to insure you, expect your rates to increase dramatically.
| Car insurance company | Missouri average annual premium for full coverage before a DUI | Missouri average annual premium for full coverage after a DUI | {de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} increase |
|---|---|---|---|
| AAA | $2,011 | $2,808 | 40{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Allstate | $1,528 | $3,556 | 133{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| American Family | $1,312 | $2,115 | 61{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Columbia | $1,688 | $2,736 | 62{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Electric Insurance Company | $1,965 | $5,081 | 159{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Farmers | $1,320 | $1,899 | 44{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Geico | $1,713 | $3,173 | 85{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Kemper | $3,683 | $4,032 | 9{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Missouri Farm Bureau | $1,504 | $1,861 | 24{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Progressive | $1,386 | $1,623 | 17{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Safe Auto | $2,154 | $3,013 | 40{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| Shelter | $1,923 | $2,313 | 20{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| State Farm | $1,642 | $1,983 | 21{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
| USAA | $988 | $1,677 | 70{de3fc13d4eb210e6ea91a63b91641ad51ecf4a1f1306988bf846a537e7024eeb} |
Rate for teen drivers
Teen drivers pay the highest insurance premiums of all age ranges. The reason coverage is more expensive is their lack of driving experience. As teens grow older, insurance rates tend to drop. In the meantime, picking the right provider could save a young driver money on car insurance.
| Car insurance company | Average annual premium for full coverage |
|---|---|
| AAA | $3,621 |
| Allstate | $2,541 |
| American Family | $2,591 |
| Columbia | $2,514 |
| Electric Insurance Company | $317 |
| Farmers | $1,133 |
| Geico | $893 |
| Kemper | $7,903 |
| Missouri Farm Bureau | $2,553 |
| Progressive | $2,232 |
| Safe Auto | $3,015 |
| Shelter | $1,620 |
| State Farm | $2,309 |
| USAA | $1,461 |
*16 year old on their parent’s policy
Who is a high-risk driver?
Bankrate classifies high-risk drivers as any driver who pays higher insurance premiums due to factors such as age or driving behavior. This could include teens or drivers with multiple speeding tickets or accidents.
Insurance carriers classify a high risk driver as someone with a flawed driving record. State Farm explains that someone “convicted of driving under the influence (DUI) of drugs or alcohol or who have multiple violations such as speeding tickets may be considered a high risk driver, requiring special high risk auto insurance.”
How to lower your rate if you are a high-risk driver
As you could see, high-risk drivers pay significantly more for car insurance. You may be able to find savings on your vehicle coverage in a few ways:
- Shop around for car insurance: If your premiums go up after an accident, conviction or citation, get quotes from several carriers to compare. You could find cheaper high risk auto insurance Missouri rates.
- Complete a driver improvement course: If you pass an online defensive driving course approved by your carrier, you may earn a discount.
- Enrolling in a provider’s usage-based program: Many insurance providers have driver-tracking programs that track your driving and reduce your premiums based on your driving habits.
Frequently asked questions
Why is car insurance more expensive after a speeding ticket?
Statistically speaking, speeding often causes accidents. Insurance companies may feel you are more likely to be at-fault in a crash if you tend to speed and classify you as high-risk.
Do I need an SR-22 in Missouri after a DUI?
Missouri generally requires drivers convicted of driving under the influence to obtain an SR-22 from your car insurance company.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
High-risk drivers
Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
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