Best Missouri Car Insurance (2024)

Admitted into the union in 1821; Missouri, bordered by eight different states, lies in the center of America. Now home to over 6 million people, Missouri is the 18th most populated state in the U.S.

The home to cities like St. Louis and Kansas City, the state is where north meets south and east meets west.

In the south of the state lies the Ozarks — a large area of land that is known for its timber and recreational activities. Covering about 47,000 square miles, the Ozarks stretches through Missouri, Arkansas, Oklahoma.

Missouri is also known to be the birthplace of many of the most excellent musicians, artists, and writers the world has ever seen. The country of Samuel Clemens, better known as Mark Twain resided from the great state.

Musicians include Tina Turner the Queen of Rock, Chuck Berry one of the best guitarists to ever live, Sheryl Crow, and Michael McDonald.

With population and average household income on the rise, Missouri is moving in the right direction. With a bright past and a brighter future, you can assure the Show-Me State will treat you right.

Within this article, you’ll find facts about the state of Missouri and all the data you need about auto insurance in the country. From rates, and coverage to laws, and culture.

If you’ve lived in the state all your life or moved last week, this article will prepare you to do that pesky car insurance shopping. Insurance can be a miserable game, but we’re here to help you find the best Missouri car insurance. Start comparing insurance rates today with our FREE tool above.

Missouri Car Insurance Coverage and Rates

As a state, Missouri is priced relatively when it comes to auto insurance. At an average annual rate of $3,333.60, it is lower than most states in the nation.

Missouri follows the traditional “at-fault” system when it comes to responsibility for losses stemming from a car accident. This includes damage, injury and any other occurrence.

At-fault car insurance means that the person who was at fault for causing a car accident is also responsible for any ensuing harm.

The at-fault driver’s insurance carrier will absorb these losses, up to policy limits; but after that, it comes straight out of the pocket of the at-fault driver for bodily injury, vehicle damage, etc. This is the most common and much more straightforward system compared to the “no-fault” system.

No-fault insurance means that when it comes to an accident, no matter who is at fault, insurance provides personal injury protection with no maximum for any injuries that occur.

Uninsured motorist coverage can protect you if the at-fault driver has no insurance. Missouri requires uninsured motorist coverage of $25,000 in bodily injury per person and $50,000 in bodily injury per accident.

Information and data do not stop when it comes to auto insurance. This is why seeing it in it’s purest form is essential. Understanding the inner-working of your state’s insurance requirements can save you a ton of money; let us face it who doesn’t want more money?

In the following article, you will find all the information you need to start the buying process. Skip the hours of searching google to see what’s best, read this article, and you will leave with the knowledge needed to decide on insurance in Missouri.

Minimum Auto Insurance Coverage in Missouri

In Missouri, no owner of a motor vehicle registered in the state may operate a vehicle unless the owner maintains the required liability coverage and uninsured motorist coverage. Auto insurance policies in the state must contain at least the following:

• $25,000 for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
• $50,000 for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
• $10,000 for property damage per accident caused by the owner/driver of the insured vehicle

Carrying auto insurance at these levels, or higher is the easiest way to make sure you comply with Missouri mandatory minimum auto insurance laws.

What all this means for you, is that in the case of an accident you will need car insurance coverage. These laws are requirements intended to help you and other drivers stay safe on the road.

State minimums vary from state to state.

Forms of Financial Responsibility

Every driver of a motor vehicle must carry evidence of financial responsibility in his or her motor vehicle at all times. This proof shows that you can pay for what is needed in the case of an accident.

In most cases, this is, simply, your proof of insurance. Bills from the DMV for minimum coverage payments are accepted and a few others.

The most important thing to remember in Missouri is having some kind of financial responsibility recognition in your car. The state is infamous for cracking down on uninsured motorists. Missouri does allow electronic proof of insurance as well, which makes it even easier for you to provide your proof of insurance.

Missouri citizens are involved in automobile accidents with drivers who have not maintained the required automobile insurance. This results in unpaid damage claims and higher insurance premium rates for all Missourians.

Premiums as a Percentage of Income

Knowing what you’re spending on car insurance compared to your overall salary is a great tool for figuring out the right rate for you and your family.

The chart above shows the percentages spent on auto insurance of the average annual income of people in Missouri. From 2012 to 2014, Missouri was ranked 28th in the nation for the amount spent on auto insurance premiums. In 2014, residents spent 2.30 percent of their income on car insurance.

These numbers are dead in the middle of the rest of the nation.

In general, Missouri doesn’t pay too much for car insurance, but their average annual disposable income is less than some of the rest of the nation; therefore landing them dead in the middle of the field.

If you’re ready to figure out some prices for your information, the insurance calculator below can give you a quote based on your background information.

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Average Monthly Car Insurance Rates in MO (Liability, Collision, Comprehensive)

Core coverage includes the parts of your policy that is considered full coverage. These three parts are liability car insurance, collision car insurance, and comprehensive car insurance. Combined the three make up full coverage auto insurance which will keep you protected in every situation you may encounter on the road.

In 2015, Missouri was around $150 cheaper than the rest of the nation. That is a remarkable statistic for the state. Any time an overall average is that much lower than the country, you will always have a competitive rate.

Additional Liability

Additional liability refers to extra coverage you can add on to your insurance to be sure you have all the protection you may need. As mentioned before, Missouri has an issue with uninsured motorists. For this reason, they require, by law, for drivers to purchase uninsured motorist insurance.

Missouri is ranked 17th in the nation with a total of 14 percent of cars on the road being uninsured. Extra protection may help you and your family.

Loss ratios aren’t a well-known factor among buyers, but if you know the facts, they can be very important in helping you understand auto insurance better.

A loss ratio that’s too high means that insurance companies are paying out too much in claims – if the rate climbs over 100 percent they are paying out more than they’re taking in. If the company’s loss ratio is too low, it means they aren’t paying out any claims.

Both of these are important to you knowing the inner workings of the auto insurance company you choose.

Add-ons, Endorsements, and Riders

There are many different types of extra insurance coverage that you can add to your core coverage in Missouri. These are meant to help you ease your mind on the road.

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Car Insurance

Purchasing any of these extra add-ons may keep you very protected on the road. While minimum coverage is all you need and may save you a buck or two, having extra insurance will keep you safer the more you purchase.

Average Car Insurance Rates by Age & Gender in MO

Age is one of the most important factors when it comes to companies determining their auto insurance rates. Teenagers are high-risk drivers that get charged heavily simply based on their inexperience. Older people get charged the least in every city and every state due to how long they’ve been on the road.

Traditionally, the stereotype is that women get charged less for auto insurance. While at times this is still true in some areas, in Missouri it is not. Women pay less than men on occasion and men pay less than women on occasion.

Age has much more of a pull on rates than gender does. Teens are more likely to be in an accident, receive a citation, and speed than any other age. Because of this, they are always charged a great deal more than any other age group. The more experience you have on the road, the better.

Cheapest Rates By Zip Code

Another critical factor in determining rates is the zip code you live in.

They take into account the poverty rates, crime rates, thefts, etc. in each zip code. They use these tools because they can decide how big of as risk you may be as a driver if you live in a certain area.

The table above shows every zip code in Missouri and what city the zip-code lies within. Identifying average rates by zip code can help you move to a place you want to be, but know where the better areas are so you don’t overpay on insurance. More often than not, the most expensive zip-codes are in downtown areas.

The most expensive zip-code in Missouri is in St. Louis at 63120 for $5,220.97 annually. The cheapest zip code is in Sedalia at 65301 for an average annual price of $2,938.18.

Cheapest Rates by City

Rates by city and zip-code go hand and hand. Rates by the city are a great statistic to discover the best places to buy auto insurance. Many different factors go into why each city is more or less expensive than the other.

Again, the most expensive area in Missouri is in St. Louis, and the cheapest area is in Sedalia.

Keep in mind; these statistics are all averages. If you have a good driving record, and excellent credit, your rates will be cheaper. If you have bad credit and accident’s DUI’s or tickets, your rates will be much more expensive.

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Best Car Insurance Companies in Missouri

Let’s break down the best companies in Missouri and the entire United States. You can decide for yourself which is best for you. Instead of searching for hours on the internet, you can find all your data in one place. Doing your search for the right company short, sweet, and to the point.

In the next sections, we’ll give you all the data you need to choose the best company for you.

The Largest Companies’ Financial Rating

Financial ratings may seem a bit excessive to your life, but when it comes to auto insurance, these ratings can help a lot. The insurance companies don’t pay the companies that come out with financial ratings, so they are unbiased.

Each year AM Best releases a set of ratings that determine the best insurance companies. They give a grade to each company which can help you choose from the best.

Companies with high ratings pay claims more often and quicker. They also have better customer service and rates in most cases.

Companies With The Best Ratings

JD Power is the most trusted name in insurance ratings and many other fields. They release awards yearly to the top companies in each state and the entire nation.

USAA is in its category according to JD Power. The highest-rated insurance in the North Central region is Westfield Insurance Company.

Cheapest Insurance Companies in Missouri

Rates are an essential part of car insurance. Saving money is always a good thing, so knowing the lowest prices and what companies in Missouri have them can help a ton.

In the following sections, we will break down the rates by different factors, including commute, coverage levels, and credit history.

This will help you decide which company is best for you, and which coverage plans that the company offers that best fits your needs.

Commute Rates By Company

Many different factors go into determining each separate person’s auto insurance rates. One of the most important is the commute rates. The more you are on the road, the more opportunity there is to be an insurance-related incident such as an accident, a ticket, etc.

As you can see in the table, most companies in Missouri don’t raise their rates at all. Some increase them by only $50 or so. Assure you are getting the best rate possible by not being overcharged for longer commute time.

Credit History Rates By Company

Another critical factor in determining your rates is your credit history. This is perhaps the most important when it is legal to do so.

The difference between mediocre and good credit can mean upwards of $4000. This table breaks down the most expensive to the cheapest rates for each top company by what drivers credit history.

The most competitive company in Mississippi is State Farm when it comes to credit history, but even they inflate charges by up to two thousand dollars when you have poor credit.

Keeping track of your credit is essential. How many accounts you have and how much debt is on each of those accounts affects your credit score a great deal.

Missouri is about average when it comes to Experian’s credit history ratings. According to their findings, Missouri’s average credit score is 675. They average just under three credit cards a person as well.

Coverage Level Rates by Company

Coverage levels are very different. They are broken down in three groups; low coverage, which is usually the bare minimum, medium coverage, and high coverage.

Each company charges based on what they cover so within each bracket; some companies may include more or less.

More often than not, you can find a company that charges the same amount for a medium coverage that another does for minimum or low coverage. Assure you know what is being covered by your company.

Choose carefully which level is best for you. If you have a long history of excellent driving, then low coverage may be all you need.

Driving Record Rates By Company

Your driving is another of the most important factors in your auto insurance rates. A poor driving record can earn you thousands annually added to your rates. Some companies won’t insure you at all.

DUI’s are a sure-fire way to ruin your affordable auto insurance rates no matter what coverage you have.

In Missouri, Geico raises rates from a clean record to one DUI, by over $2,000.

Number of Insurers in Missouri

This section refers to the number of different insurance companies that you can be insured by in the state.

In Missouri, there are 43 domestic insurers and 900 foreign insurers offering their services to consumers and bringing the total to 943 insurers. That’s a lot of companies to choose from, that’s why we’re here to help.

Domestic insurers are located in Minnesota, while foreign insurers are located in another state. Foreign does not refer to out of the country.

Missouri State Laws

Laws in every state are confusing and difficult to read. Using language that is as dense as it gets is the specialty of our lawmakers. Breaking down the essential laws in plain language can help you with every part of your life but especially when it comes to shopping for car insurance.

In the following section, we’ll break down the inner workings of the state laws that matter to you.

Car Insurance Laws

Let’s start by taking a look at the laws that directly affect car insurance. These are the most important pertaining to what you need to know.

How State Laws for Car Insurance Are Determined

As in most states, auto insurance laws are determined, reviewed, and passed by the legislature of the state.

Insurance is regulated on a state level, and states use different tactics to control the rates that companies are allowed to charge its buyers. According to the NAIC, Missouri uses the “use and file” system to determine rates in the state. This means that insurance companies can give you a set rate and then they are allowed to file it later on.

Some believe this system allows insurance companies to make up whatever rates they wish. As opposed to the prior approval system in which rate quotes must be approved before they are set to drivers.

Windshield Coverage

Windshields are an annoyance. Chips, cracks, and breaks are unavoidable when driving on the road. Especially if you have a long commute, it happens to everyone. But for some reason, every state has weird laws about windshields.

In Missouri, insurance companies will restrict which companies you can choose to repair your windshield. If you have a company repair your windshield and your insurance doesn’t accept that company, they will fight you not to cover it.

High-Risk Insurance

High-risk insurance covers the individual drivers with past driving violations, inexperience behind the wheel, or poor credit.

Any of these could have you paying a lot more for car insurance than the average person with a clean record. Some companies won’t insure a high-risk driver at all, but most large companies will take a risk and just overcharge.

Low-Cost Insurance

Missouri does make you pay for being a high-risk driver, but they, unfortunately, do not have an inexpensive program.

The only states that have government-funded programs are California, Hawaii, and New Jersey. These programs are built to help low-income families be able to protect themselves while they drive.

Automobile Insurance Fraud in Missouri

Insurance fraud can be committed in several ways, but the primary way is filing a claim that did not happen and expecting a payout from it.

Some other ordinary fraud acts are misrepresenting facts on an insurance application, submitting claims for injuries or damage that never occurred, services never rendered or equipment never delivered, and staging accidents.

Insurance fraud is against the law in every state. In Missouri, insurance fraud is a felony, punishable by up to four years in jail and up to $50,000 in fines. There’s also restitution, court costs, and lawyer’s fees to pay.

Statute of Limitations

A statute of limitation is a standard that there is a period for the bringing of certain kinds of legal action. This means that people affected have a certain amount of time to pursue legal action.

For example, if a driver gets in an accident and five years later decides they were hurt in that accident; the statute of limitations prohibits that person from pursuing legal action because it’s been too long since the date of the crash.

The Missouri state laws for personal injury and property damage are both five years.

State Specific Laws

Most of the insurance laws have already been covered, so we’ve compiled some information on prevailing laws throughout Missouri.

In most states, seat-belt violations are punishable by an immediate ticket, and you are allowed to be pulled over just for not wearing a seat belt; but not in Missouri.

Missouri is one of the few states where not wearing a seat belt is something police cannot pull you over for. If you are not wearing one when you are pulled over for something else, that is the only time you can be cited.

Vehicle Licensing Laws

As in most states, vehicle licensing laws are handled in Missouri by the DMV. There are a lot of different rules and regulations to know about, but these are the most important ones to keep in mind. Knowing these could help you out in your shopping for insurance.

Real ID

According to Homeland Security, The Real ID Act establishes security standards for license issuance and production. This prohibits Federal agencies from accepting driver’s licenses and ID cards from states not meeting the Act’s minimum standards.

Missouri is compliant with the Real ID Act. Federal agencies can accept driver’s licenses and identification cards from Missouri at Federal facilities.

If you have a Real ID license it will be noted by a star on your driver’s license.

Penalties for Driving Without Insurance

The penalties for driving without insurance in Missouri are as follows:

• Four points against the driving record
• The driver may be supervised
• Suspended until proof of insurance with $20 reinstatement fee

These are just for the first offense, but in general, Missouri is a relaxed state when it comes to uninsured motorists. Having the right insurance can assure your safety.

Missouri allows different types of proof of insurance, which include the original paper copy and electronic evidence as well. As long as your proof of insurance displays the following things, it is usually accepted:

• Make
• Model
• Year
• Safety Rating
• Value
• Your name and the name of any other drivers under that policy
• Expiration date

As long as you have this, you will never run into any issues.

Teen Driver Laws

Teens are inexperienced drivers and have to learn as they go on the road. Some are reckless and speed everywhere, while others are too scared to get behind the wheel at all.

Missouri, like nearly every state, eases teens into the process of driving alone. First, when they are 15, they must have a driving permit for a year. Then, when they turn 16, they must drive with a parent at night for six months. There are no restrictions except for some minor passenger laws.

This has been proven to help causes a little, but teens are still the highest risk drivers on the road. This is why their car insurance is so much higher than any other age.

Older Driver License Renewal Procedures

Older drivers can be hazardous. It is a heavily debated topic as to how often older people must renew their licenses and how long they should be able to drive in general.

Each state has general laws that state how long between renewals you have, and vision test requirements.

In Missouri, licenses are renewed every three years for drivers over the age of 70. Vision must be tested every time you renew in person.

Many believe the U.S. is not strict enough on elderly drivers.

New Residents

New residents are always welcome in through Route 66, but if you are a new resident, we hope you did your homework on the expenses of car insurance in the state.

New residents are required to purchase insurance within 90 days, other than that all other laws apply to new residents as current residents. For minimum requirements, see the above sections.

License Renewal Procedures

Renewal drivers ages 18-20 are issued a three-year driver license that will expire on the applicant’s date of birth in the third year after the date of issuance. From ages, 21-69 applicants get a six-year license.

Rules of the Road

Rules of the roads we drive on can get a bit complex. Here’s a comprehensive look at some of the most important, so you can be sure you know them.

Some are straight forward and act as a reminder while others are things drivers often forget and need be repeated. For most road laws, the IIHS website is a convenient place to visit.

Fault Vs. No-Fault

Missouri follows the traditional “at-fault” system when it comes to responsibility for losses stemming from a car accident. This includes damage, injury, and any other occurrence.

At-fault car insurance means that the person who was at fault for causing a car accident is also responsible for any ensuing harm.

The at-fault driver’s insurance carrier will absorb these losses, up to policy limits; but after that, it comes straight out of the pocket of the at-fault driver for bodily injury, vehicle damage, etc. This is the most common and much more straightforward system compared to the “no-fault” system.

No-fault insurance means that when it comes to an accident, no matter who is at fault, insurance provides personal injury protection with no maximum for any injuries that occur.

Seat Belts and Car Seat Laws

Road safety is a vitally important part of everyday life that can get forgotten about quickly. Seat belts are the most accessible tool for keeping yourself and your family safe. It does not take work and can save countless lives.

Unfortunately, Missouri is not extremely worried about seat-belt laws. As mentioned before, the only thing officers can do about not wearing a seat-belt is if you are pulled over for something else.

Keep Right And Move Over Laws

These laws are becoming more and more prevalent on the roads today. Slow traffic keeps congestion at a maximum and accidents more likely.

The keep right law states that slower traffic must keep right in all instances. This is not only for safety for all drivers but also to keep the flow of traffic moving and limit commutes.

The move-over law states that if you are in the left lane and a car comes up behind you going faster than you are, that you must switch lanes. Just like the keep right law, this keeps traffic moving at a much faster pace and keeps all drivers much safer.

Speeding

Speeding is perhaps the deadliest thing you can do on the road. In today’s world, it has become a regular occurrence.

In Missouri, rural interstates are posted at 70 mph. Urban interstates are at 60 mph, and any other three-lane highway is 65 mph.

Ridesharing

Uber and Lyft are becoming very popular; the only thing to worry about with those is to assure the driver is adequately insured. If you are driving for a ridesharing service, some companies will not guarantee you when you are doing so. Be careful what company covers what if you plan on being a rideshare driver.

In Missouri and the majority of the United States, most major insurers cover ridesharing. Here is a list of the ones who do:

• Allstate
• Farmers
• Liberty Mutual
• State Farm
• USAA

Automation On The Road

With the technological advances of the 21st century, there has been more and more talk about automated cars. In Michigan, automated cars are allowed to be on the road, depending on the vehicle, but the operator must be licensed and insured.

Safety Laws

Some more laws that you need to remember when it comes to insurance are safety laws. There are a lot of different safety regulations that are simply meant to help everyone be better on the roads.

DUI Laws

The legal limit across the United States is 0.08, but now many states are starting to give out tickets for “buzzed driving” as well. This is considered to be around the 0.05 range. They cannot legally detain you, but it is now becoming a fineable offense.

The penalty for driving under the influence in Missouri is taken higher each offense. The penalties can reach upwards of two years in jail, 10 years suspended license, and a whopping $12,000 fine.

Driving under the influence is a severe crime and cannot be taken lightly. Responsibilty.org help people to realize the devastating statistics behind it.

Marijuana Impaired Driving Laws

Marijuana is not yet legal in the state of Missouri, so it is still fineable and illegal; However, there is no specific law against driving while on marijuana.

Distracted Driving Laws

Distracted driving is becoming an epidemic. From shaving, while you’re driving late to work, to playing solitaire on your phone and driving.

Laws against distracted driving are being changed yearly. The penalties are becoming worse because the epidemic is becoming worse.

Unfortunately, Missouri is reasonably relaxed on these laws as well. Texting and driving are banned completely for only drivers below the age of 21. Other than that, Missouri has no laws against distracted driving.

Driving in Missouri

Driving can be exhilarating. It can also be a scary thing.

So, how do you stay safe? How do you keep your insurance rates falling and out of trouble? Knowing the statistics is usually the answer. But it can be hard to make sense of all of them.

In this section, we’ll break down the stats, facts, and how to keep yourself in the know, so you have the facts for your insurance shopping.

Vehicle Theft in Missouri

Vehicle theft is a growing issue in the United States. In some cities, it is worse than others, so the state data as a whole can be a bit bothersome.

Road Fatalities in Missouri

Of the over 6 million people living in Missouri, there 930 deaths in 2017. This is right around average percentage-wise compared to the rest of the nation.

In the United States as a whole, there were 34,247 fatal motor vehicle crashes in 2017 in which 37,133 deaths occurred.

Fatalities: Five Year Trend for the Top 10 Counties

County to county fatalities can be telling for where the most dangerous areas are. Some counties have strictly rural roads and will have more single-vehicle crashes. While other counties that have large cities in them may have more multiple car pile-ups.

Be careful though; these trends can be based merely on population numbers. There is always going to be more accident, the more cars that are on the road.

The county with the most fatalities in every year between 2013-2017 was Jackson with 111 fatalities in 2017. St. Louis was next with 86 fatalities in 2017.

Rural Vs. Urban Fatality Rates

On rural roads, the dangers involve bad roads, no lighting on roads, wild animals, etc. But the dangers of urban roads involve pedestrians, motorcycles, traffic, etc. The dangers from rural to urban area roads are very different.

In 2016 there were 553 rural deaths, compared to 394 urban deaths.

Fatalities By Vehicle Type

Vehicle type refers to the kind of vehicle that is being driven when the fatality occurs. This can be passenger vehicles, pick-up trucks, semi-trucks, etc.

In Missouri, like all states in the U.S., the most fatalities occurred in passenger vehicles. This has to do with the sheer amount of passenger cars on the road. Of the 930 fatalities in 2017, 666 of them were passenger vehicles.

Fatalities By Crash Type

Crash types include how the fatality happened. It includes anything from rollovers to crashes involving an intersection.

In Missouri in 2017, 512 of the 930 fatalities were single-vehicle crashes. This is a consistent number with the rest of the U.S. Again, the more cars on the road, the more opportunities for fatal crashes.

Fatalities Involving Speeding By County

Speeding is deadly. Next to drinking while driving speeding can endanger everyone around you and make you unable to control the vehicle in a proper way. Speeding is becoming a part of life in many states, and that needs to change.

In Missouri, 346 of the 930 fatalities were due to speeding. That is nearly 100 more deaths than drunk driving caused at 254.

Fatalities Involving an Alcohol-Impaired Driver

As mentioned before, there were 254 alcohol-impaired driving fatalities in 2017 in Missouri. Most of those deaths came in rural areas in which roads were dark and made it even more difficult to drive.

Teen Drinking and Driving

Drinking while driving should never be done no matter what age. But underage teen driving under the influence is becoming more of an issue in the past years.

Stanford Children’s Health found that the leading cause amongst teens is alcohol-impaired driving.

Transportation

Transportation is important to talk about when it comes to auto insurance. In the next sections, we’ll talk about how many cars are on the road, commute times, and how much traffic there is in the great state of Missouri.

Car Ownership

About 42 percent of all Missourians own two cars. Similar to the rest of the United States, this is the most percentage of car ownership. This statistic is so consistent because the majority of households in the U.S. contain two adults (parents).

Commute Time

Commute times are important. Traffic congestion can raise your rates. For example, in Los Angeles, California; the rates for car insurance based on traffic congestion are going to be much higher than those in Montana.

In Missouri, over 17 percent of commuter has a 15-19 minute drive. This is a great statistic. A 15-minute commute is some of the lowest in the country. Missouri averages a 22 minute commute time, which is also on the lower end.

An average 22 minute commute time means less traffic for you. According to Inrix, Kansas City is the most congested city in Missouri but is ranked the 198th most congested city in the world. To put it plainly, traffic is not a huge concern for most Missouri natives.

Commuter Transportation

Over 80 percent of commuters travel alone to work in Missouri. The national average is around 76 percent. This is a straight forward statistic that is quite obvious. Other than carpoolers, most people don’t have company when they drive to work.

Conclusion

Missouri is home to a long, rich automotive history. Home to the old motels and gas stations of historic Route 66. It is a place filled with America’s pride in their vehicles.

Come catch a ball game at Busch Stadium and watch one of the most sought after baseball teams in history. Grab a hot dog and a beer, and you will know what Missouri has to offer. Take a drive through the Ozark forest. Remember what this world used to be like, remind yourself how amazing our land is.

Auto insurance has become an important part of life in the 21st century. Be sure to know you’re choosing the right insurance for you and your family.