When it comes to obtaining cheap SR22 car insurance in Missouri, there are several avenues you can explore to find the best rates. Whether you choose to work with agents or brokers, national carriers, or online comparison sites, putting in the work to compare quotes is crucial in order to secure the most affordable coverage for your specific circumstances. In this article, we will discuss four ways to compare quotes, provide the average costs for six popular insurance companies in Missouri, and answer some common questions related to SR22 insurance in the state.
1. Comparing Quotes with Agents:
Working with an insurance agent can be a great way to find affordable SR22 car insurance in Missouri. Agents have access to multiple insurance companies and can help you compare quotes to find the best rates for your needs. When working with an agent, be sure to provide accurate information about your driving history, as this will impact the cost of your SR22 insurance.
2. Comparing Quotes with Brokers:
Insurance brokers work with multiple insurance companies to find the best rates for their clients. Brokers can save you time by doing the shopping around for you, and they may be able to negotiate lower rates on your behalf. When working with a broker, be sure to ask about their fees and how they are compensated for their services.
3. Comparing Quotes with National Carriers:
National insurance carriers, such as Geico, Progressive, and State Farm, also offer SR22 insurance in Missouri. These companies often have online tools that allow you to compare quotes quickly and easily. Keep in mind that national carriers may not always offer the lowest rates, so it’s important to compare quotes from multiple carriers to find the best deal.
4. Comparing Quotes with Online Comparison Sites:
Online comparison sites, such as Compare.com and The Zebra, allow you to compare quotes from multiple insurance companies in one place. These sites can save you time and effort by providing you with a range of quotes to choose from. When using an online comparison site, be sure to input accurate information about your driving history to ensure you receive accurate quotes.
Why is it Important to Compare Quotes?
Comparing quotes is crucial when shopping for SR22 car insurance in Missouri because rates can vary significantly between insurance companies. By comparing quotes from multiple agents, brokers, national carriers, and online comparison sites, you can ensure that you are getting the best rates available for your specific circumstances. Putting in the work to compare quotes can save you hundreds of dollars on your SR22 insurance policy.
Average Costs for Popular Insurance Companies in Missouri:
To give you an idea of the average costs for SR22 car insurance in Missouri, here are the rates for six popular insurance companies in the state, broken down by age group:
1. Progressive:
– Ages 21-24: $600-$800 per year
– Ages 25-34: $400-$600 per year
– Ages 35-44: $300-$500 per year
– Ages 45-54: $250-$400 per year
– Ages 55-64: $200-$350 per year
– Ages 65 and older: $150-$300 per year
2. Geico:
– Ages 21-24: $700-$900 per year
– Ages 25-34: $500-$700 per year
– Ages 35-44: $400-$600 per year
– Ages 45-54: $300-$500 per year
– Ages 55-64: $250-$400 per year
– Ages 65 and older: $200-$350 per year
3. State Farm:
– Ages 21-24: $800-$1000 per year
– Ages 25-34: $600-$800 per year
– Ages 35-44: $500-$700 per year
– Ages 45-54: $400-$600 per year
– Ages 55-64: $300-$500 per year
– Ages 65 and older: $250-$400 per year
4. Allstate:
– Ages 21-24: $900-$1100 per year
– Ages 25-34: $700-$900 per year
– Ages 35-44: $600-$800 per year
– Ages 45-54: $500-$700 per year
– Ages 55-64: $400-$600 per year
– Ages 65 and older: $300-$500 per year
5. Farmers:
– Ages 21-24: $1000-$1200 per year
– Ages 25-34: $800-$1000 per year
– Ages 35-44: $700-$900 per year
– Ages 45-54: $600-$800 per year
– Ages 55-64: $500-$700 per year
– Ages 65 and older: $400-$600 per year
6. USAA:
– Ages 21-24: $500-$700 per year
– Ages 25-34: $400-$600 per year
– Ages 35-44: $300-$500 per year
– Ages 45-54: $250-$400 per year
– Ages 55-64: $200-$350 per year
– Ages 65 and older: $150-$300 per year
These are just average costs and actual rates may vary based on factors such as driving record, location, and coverage limits. It’s important to get quotes from multiple insurance companies to find the best rates for your specific situation.
Common Questions about SR22 Insurance in Missouri:
1. What is SR22 insurance?
SR22 insurance is a type of car insurance that is required for drivers who have been convicted of certain driving offenses, such as DUIs or driving without insurance. An SR22 form is filed with the state to prove that the driver has the required insurance coverage.
2. How long do I need to have SR22 insurance in Missouri?
The length of time that you are required to have SR22 insurance in Missouri varies depending on the offense. Typically, drivers are required to have SR22 insurance for a minimum of three years.
3. Can I get SR22 insurance with a suspended license?
Yes, you can still get SR22 insurance with a suspended license. In fact, SR22 insurance is often required for drivers with suspended licenses in order to have their driving privileges reinstated.
4. How much does SR22 insurance cost in Missouri?
The cost of SR22 insurance in Missouri varies depending on factors such as age, driving record, and coverage limits. On average, drivers can expect to pay anywhere from $500 to $1500 per year for SR22 insurance.
5. Can I get SR22 insurance without a car in Missouri?
Yes, you can get SR22 insurance without a car in Missouri. Non-owner SR22 insurance is available for drivers who do not own a vehicle but still need to maintain insurance coverage.
6. Do all insurance companies offer SR22 insurance in Missouri?
Not all insurance companies offer SR22 insurance in Missouri. It’s important to shop around and compare quotes from multiple insurance companies to find a carrier that offers SR22 insurance at an affordable rate.
7. How do I file an SR22 form in Missouri?
To file an SR22 form in Missouri, you will need to contact your insurance company and request that they file the form on your behalf. The insurance company will then submit the form to the Missouri Department of Revenue.
8. What happens if I let my SR22 insurance lapse in Missouri?
If you let your SR22 insurance lapse in Missouri, your insurance company is required to notify the state. This can result in the suspension of your driver’s license and other penalties.
9. Can I cancel my SR22 insurance in Missouri?
You can cancel your SR22 insurance in Missouri, but it’s important to make sure that you have another insurance policy in place before doing so. Failing to maintain continuous insurance coverage can result in penalties.
10. How can I find cheap SR22 insurance in Missouri?
To find cheap SR22 insurance in Missouri, it’s important to compare quotes from multiple insurance companies. Working with an insurance agent, broker, or using online comparison sites can help you find the best rates for your specific circumstances.
11. Can I get SR22 insurance online in Missouri?
Yes, you can get SR22 insurance online in Missouri. Many insurance companies offer online quotes and the ability to purchase SR22 insurance directly through their websites.
12. What is the difference between SR22 and regular car insurance in Missouri?
SR22 insurance is a type of car insurance that is specifically designed for drivers who have been convicted of certain driving offenses. It typically comes with higher premiums and stricter requirements than regular car insurance.
13. Do I need SR22 insurance if I move to Missouri from another state?
If you move to Missouri from another state and are required to have SR22 insurance, you will need to file an SR22 form with the Missouri Department of Revenue. It’s important to notify your insurance company of the move so that they can assist you with the filing process.
14. Where can I find SR22 insurance near me in Missouri?
You can find SR22 insurance near you in Missouri by contacting local insurance agents, brokers, or national carriers. Online comparison sites can also help you find SR22 insurance options in your area.
In conclusion, obtaining cheap SR22 car insurance in Missouri requires time and effort to compare quotes from multiple sources. By working with agents, brokers, national carriers, or online comparison sites, you can find the best rates for your specific circumstances. It’s important to shop around and ask questions to ensure that you are getting the most affordable SR22 insurance policy available.
[ad_2]