Car insurance rates in Missouri are traditionally calculated based on a driver’s age, auto make and model, driving history and other personal information. However, for high-risk drivers in Missouri, car insurance rates may be higher due to their increased risk to an insurance company.

High-risk drivers include those who have two or more traffic violations, at-fault accidents, DUIs, poor credit scores or no prior car insurance coverage.

We have created this guide to make your search for car insurance for high-risk drivers hassle-free. It provides details on how auto insurance rates change based on infractions like speeding tickets, at-fault accidents and DUI. It also reveals the cheapest car insurance companies for high-risk drivers based on driving profile in Missouri.

CarInsurance.com Insights
  • High-risk drivers have minor violations like speeding tickets or major violations like DUI convictions or lapses in insurance coverage.
  • Drivers in Missouri pay 21% more for auto insurance for a ticket for driving 1-10 mph over the speed limit than without a violation.
  • If you are convicted of DUI or DWI in Missouri, you can expect your car insurance rates to increase 49% more for auto insurance.
  • An at-fault accident increases car insurance rates by 46% in Missouri, based on a data analysis by CarInsurance.com.

Who is a high-risk driver in Missouri?

Drivers of all age groups, those with or without experience, can be categorized as high-risk drivers by car insurance companies in Missouri if they have minor violations like speeding tickets or major violations like DUI conviction or a lapse in insurance coverage.

Car insurance rates for high-risk drivers by driving profile in Missouri

The experts at CarInsurance.com have analyzed the rates for high-risk drivers based on driving profile for drivers with – speeding tickets, DUI offenses and at-fault accidents.

Here’s how each of the violations affect car insurance rates in Missouri.

Speeding tickets

In Missouri, car insurance rates increase based on the speeding limits you violate. For example, a driver who drives 1-10 MPH over the speed limit will pay 21% more for auto insurance than before having a speeding ticket.

Missouri drivers with speeding ticket violations for driving 11-29 mph over the limit pay 24% higher rates than drivers without speeding tickets. Whereas Missouri drivers with speed violations of more than 30 mph will pay 28% higher rates than drivers without speeding tickets.

Find out how much car insurance rates increase after a speeding ticket violation in Missouri.

Violation Rates before speeding ticketRates after speeding ticket$ difference % increase
Speeding ticket 1-10 MPH over limit$1,982$2,402$42021%
Speeding ticket 11-29 MPH over limit$1,982$2,453$47124%
Speeding 30+ over limit$1,982$2,528$54628%

Learn more: How much your insurance goes up after a speeding ticket

Cheapest car insurance companies in Missouri for drivers with speeding tickets

In Missouri, Travelers offers the cheapest car insurance for drivers with a speeding ticket at $2,046 annually. The car insurance rates offered by Travelers increase by $532 after the speeding ticket violation.

Company Rates before speeding ticketRates after speeding ticket$ difference % difference
Travelers$1,515$2,046$53235%
Nationwide$1,361$2,076$71553%
State Farm$2,072$2,242$1708%
Progressive$1,960$2,287$32617%
Allstate$2,852$3,249$39714%
Auto Club Enterprises (AAA)$2,346$3,476$1,13048%
GEICO$3,217$3,791$57418%
USAA*$1,086$1,304$21820%

DUI offense

If you are convicted of driving under the influence (DUI) or DWI (driving while intoxicated) or OUI (operating under the influence) in Missouri, you can expect your car insurance rates to increase by 49% on an average, according to 2023 CarInsurance.com data.

ViolationRates without a DUIRates after a DUI$ difference % difference
DUI/DWI first offense$1,982$2,949$96849%
DUI/DWI second offense$1,982$3,782$1,80091%

Here’s how much your insurance goes up after a DUI

Cheapest car insurance companies in Missouri for drivers with a DUI

Travelers offers the cheapest car insurance rates for drivers with a DUI at $2,135 per year, in Missouri. The rate increases by $968 after getting a DUI offense on your driving history.

The second cheapest car insurance for high-risk drivers with DUI is offered by Progressive at $2,162 a year.

See below for the auto insurance premiums offered by companies in Missouri for drivers with a DUI.

Company Rates before DUI offenseRates after 1st DUI offenseRates after 2nd DUI offense% change after 1st DUI% change after 2nd DUI
Travelers$1,515$2,135$2,96341%96%
Progressive$1,960$2,162$2,68310%37%
State Farm$2,072$2,242NA8%NA
Nationwide$1,361$2,817$3,946107%190%
Auto Club Enterprises (AAA)$2,346$3,613$4,85054%107%
Allstate$2,852$3,734$5,07631%78%
Geico$3,217$5,866$8,37282%160%
USAA*$1,086$1,935$2,26178%108%

At-fault accident

After an at-fault collision, your car insurance premiums could spike in Missouri – unless you’ve added endorsements like accident forgiveness to your coverage.

According to a 2023 rate analysis by CarInsurance.com, on average, after an at-fault accident, car insurance rates increase by 46%.

However, there are states where car insurance companies provide coverage to the policyholder irrespective of who was responsible for the collision or cover the medical expenses of the other driver. They are referred to as no-fault states and tort states.

Learn more: How much does car insurance go up after an accident?

Cheapest car insurance companies in Missouri for drivers with at-fault accidents

If you are looking for the cheapest car insurance for drivers with an at-fault accident, Travelers is your best bet. It offers insurance at $1,993 per year.

Company Rates before an at-fault accidentRates after an at-fault accident
Travelers$1,515$1,993
Nationwide$1,361$2,189
State Farm$2,072$2,412
Progressive$1,960$2,644
Auto Club Enterprises (AAA)$2,346$3,674
Allstate$2,852$4,034
Geico$3,217$6,474
USAA*$1,086$1,519

Reckless driving

Reckless driving is a grave offense with serious consequences. Unlike other traffic violations, it is usually classified as a misdemeanor. It carries severe penalties such as hefty fines or even imprisonment, depending on the state laws, according to Findlaw, an online legal information resource.

Compare the car insurance rates for drivers with and without a reckless driving violation in Missouri.

Violation Reckless driving
Rates before a reckless driving violation$1,982
Rates after a reckless driving violation$3,017
$ difference $1,035
% increase52%

Cheapest car insurance companies in Missouri for reckless driving violation

Company Rates before a reckless driving violationRates after a reckless driving violation
Allstate$2,852$3,734
Auto Club Enterprises (AAA)$2,346$3,613
Geico$3,217$5,899
Nationwide$1,361$2,817
Progressive$1,960$2,650
State Farm$2,072$2,242
Travelers$1,515$2,135
USAA*$1,086$1,668

Cheapest car insurance options for high-risk drivers in Missouri

Use the calculator below to see the cheapest companies for high-risk drivers in Missouri by violation.

Average cost of car insurance for high-risk drivers in your state

Select your state and risk factor below to see the insurance company and its average annual full coverage rates.

Average Annual Car Insurance Rate for At-fault bodily injury accident in Florida is $4,155
Show Graph View
CompanyAnnual premium
Travelers$2,032
Nationwide$2,189
State Farm$2,412
Progressive$2,644
Auto Club Enterprises (AAA)$3,674
Allstate$4,034
Geico$6,474
USAA*$1,519

How to lower your car insurance rate if you are a high-risk driver

There are ways to lower car insurance rates even if you are a high-risk driver

Resources & Methodology

Sources

Findlaw “Reckless driving laws by state.” July 2025

Methodology

CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male and female driver carrying a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles, with the following incidents applied:

  • 1 At-fault property damage accident over $2K
  • 1 At-fault property damage accident under $2K
  • At-fault bodily injury accident
  • Reckless driving
  • DUI/DWI first offense
  • Speeding 30+ over limit
  • Speeding ticket 1-10 MPH over limit
  • Speeding ticket 11-29 MPH over limit

Read the detailed methodology for more information.

Note: In most states, USAA is the cheapest company for drivers with traffic violations, but it is only available to military members, veterans, and their immediate families.

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Meet our editorial team
author-img Prachi Singh Contributing Writer
Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
author-img Laura Longero Executive Editor
Laura Longero is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network. Laura completed the pre-licensing course in Personal Lines Property & Casualty Insurance in Nevada.