Car Insurance After an Accident in Missouri: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Missouri increases insurance by 41%, raising full coverage from $1,980/year to $2,792/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$165/mo
After At-Fault Accident (+41%)
$233/mo
Cheapest Companies After Accident in Missouri
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $172/mo | $2,066/yr | Military families |
| Erie Insurance | $184/mo | $2,206/yr | Rate lock guarantee |
| GEICO | $191/mo | $2,289/yr | Clean driving record |
| Progressive | $205/mo | $2,457/yr | Telematics savings |
| State Farm | $212/mo | $2,541/yr | Good students |
| Travelers | $221/mo | $2,652/yr | Multiple discounts |
| Nationwide | $242/mo | $2,904/yr | Bundling home + auto |
| Farmers | $251/mo | $3,015/yr | Signal telematics |
| Allstate | $261/mo | $3,127/yr | Accident forgiveness |
| Liberty Mutual | $275/mo | $3,295/yr | New car replacement |
USAACheapest
Monthly
$172/mo
Annual
$2,066/yr
Best for: Military families
Erie Insurance
Monthly
$184/mo
Annual
$2,206/yr
Best for: Rate lock guarantee
GEICO
Monthly
$191/mo
Annual
$2,289/yr
Best for: Clean driving record
Progressive
Monthly
$205/mo
Annual
$2,457/yr
Best for: Telematics savings
State Farm
Monthly
$212/mo
Annual
$2,541/yr
Best for: Good students
Travelers
Monthly
$221/mo
Annual
$2,652/yr
Best for: Multiple discounts
Nationwide
Monthly
$242/mo
Annual
$2,904/yr
Best for: Bundling home + auto
Farmers
Monthly
$251/mo
Annual
$3,015/yr
Best for: Signal telematics
Allstate
Monthly
$261/mo
Annual
$3,127/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$275/mo
Annual
$3,295/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses