Best Car Insurance For Teens In Missouri 2025

When it comes to finding the best car insurance for teens in Missouri, Shelter stands out as the top choice.

In this article, we’ll compare the top-rated insurance companies for teen drivers in Missouri, helping you find the best coverage at an affordable price. Without the right insurance, teens face the risk of higher premiums and inadequate protection.

Best Car Insurance For Teenagers In Missouri

To find the best car insurance companies for teenagers, we looked beyond price, as it is far from the only factor that matters when selecting a good insurer. We looked at teen safe driving programs, available discounts, and coverage options.

Shelter and GEICO are two of the best insurance companies for teens in Missouri, with average annual premiums of $4,824 and $8,460.

Cheapest Teen Car Insurance Companies In Missouri

Travelers is the cheapest car insurance company for teenage drivers in Missouri, with an average annual premium of $4,248.

Average Cost Of Car Insurance For Teens On Their Parents’ Policy

Remaining on your parents’ insurance policy can be a great way to bring down your teen’s car insurance premium.

Here are the average annual premiums for teens who remain on their parents’ policy, on full coverage policies.

Average Cost Of Car Insurance For Teens On Their Own Policy

Teenagers under the age of 18 usually can’t get their own auto insurance policy. While it’s generally cheaper for teens to remain on their parents’ policy, teenagers who live at a different address from their parents may need to purchase their own policy.

Here are the average annual full-coverage rates for teens on their own policies in Missouri.

How To Get Cheap Car Insurance For Teens In Missouri

Finding affordable car insurance for teenage drivers in Missouri can be difficult, but there are several strategies families can use to keep costs manageable while maintaining solid coverage.

Shop Around For Quotes

Always compare rates from multiple insurers. Companies like State Farm and USAA often provide competitive options for young drivers in Missouri, but checking several providers ensures you secure the best deal.

Add To An Existing Policy

It’s usually cheaper to add your teen to a family policy rather than purchasing a separate plan. This approach also makes it easier to qualify for multi-car or multi-driver discounts.

Assess Driving Habits

Evaluate how often and how far your teen drives. Teens who only drive occasionally may benefit from usage-based insurance programs such as GEICO’s DriveEasy or Allstate’s Milewise®, which reward low-mileage drivers.

Bundle Policies

Combining auto insurance with other types of coverage, like homeowners or renters insurance, can unlock multi-policy discounts that lower overall premiums.

Ask About Discounts

Many insurers offer savings opportunities for teens, including good student discounts, accident-free rewards, and safe driving programs. Always ask what discounts are available to maximize savings.

Choose A Higher Deductible

Opting for a higher deductible can reduce monthly premiums. Just make sure the deductible amount is manageable if an accident occurs.

Enroll In A Safe Driving Course

Encouraging your teen to complete a defensive driving or driver’s education course not only improves their skills but can also qualify them for reduced insurance rates.

Consider Usage-Based Insurance

Pay-per-mile or telematics-based programs are ideal for teens who drive less frequently. These plans track driving behavior and mileage, offering discounts for safe and limited driving.

Review And Update Regularly

As your teen gains experience and maintains a clean record, they may qualify for new discounts. Reassess the policy each year to ensure you’re getting the best value.

Why Is Car Insurance So Expensive For Teens?

Teenagers often face some of the highest car insurance premiums because insurers view them as high-risk drivers. Their limited experience and greater likelihood of accidents make coverage more expensive compared to older motorists.

Lack Of Driving Experience

New drivers have not yet developed the instincts and judgment that come with years behind the wheel. This inexperience makes teens more prone to mistakes, which increases the risk of collisions.

Higher Accident Rates

Statistics show that teens, especially young males, are involved in more crashes than any other age group. Risky behaviors such as speeding, distracted driving, and failing to wear seat belts contribute to these elevated accident rates.

Immaturity And Risky Decisions

Because teens are still developing decision-making skills, they may take unnecessary risks or make poor choices while driving. Insurers factor this immaturity into their pricing.

Greater Severity Of Accidents

When inexperienced drivers are involved in collisions, the damage can be more severe. Teens often struggle to react appropriately in dangerous situations, which can lead to higher claim costs.

Expensive Claims

Repairing modern vehicles and covering medical expenses after an accident can be costly. Since teens are statistically more likely to file claims, insurers offset this risk by charging higher premiums.

Limited Credit History

Insurance companies often use credit history as part of their rate calculations. Teens usually have little or no credit record, which can result in higher costs compared to adults with established financial histories.

How Can I Add A Teen To My Car Insurance Policy?

Adding a teenage driver to your car insurance policy is an important step, and doing it carefully can help balance affordability with adequate protection.

Notify Your Insurance Company

• Contact your insurer once your teen receives a learner’s permit or driver’s license.
• Provide required details such as their date of birth, license number, and any driving history. Some companies require immediate notification, while others allow you to wait until the license is fully issued.

Review Coverage Options

• Examine your current policy to determine if adjustments are needed. Adding a teen often raises premiums, so ensure liability limits and coverage levels are sufficient.
• If your teen will drive a newer or more valuable car, consider adding collision and comprehensive coverage. Some insurers also offer tailored options for young drivers.

Ask About Discounts

• Inquire about savings opportunities like good student discounts, safe driving rewards, or reduced rates for completing driver’s education.
• Bundling auto insurance with homeowners or renters insurance can unlock additional multi-policy discounts.

Evaluate Premium Changes

• Request a quote to understand how much your premium will increase with a teen driver added.
• Consider raising your deductible to lower monthly costs, but make sure the amount is manageable if an accident occurs.

Formalize The Addition

• Once coverage and discounts are finalized, officially add your teen to the policy. Your insurer will update the documents to reflect the change.

Educate Your Teen On Safe Driving

• Stress the importance of safe driving habits. A clean record helps keep premiums lower over time.
• Defensive driving courses can improve skills and may qualify your teen for further discounts.

Review The Policy Regularly

• Reassess the policy each year as your teen gains experience. Over time, they may qualify for new discounts or require adjustments to coverage.

Car Insurance Discounts For Teens

Teen drivers in Missouri can take advantage of several discounts to help reduce the high cost of coverage. Here are some of the most common ways to save:

• Good Student Discount. Teens who maintain at least a B average or a 3.0 GPA often qualify for reduced rates. Insurers view responsible students as more likely to be responsible drivers.
• Safe Driver Programs. Programs such as State Farm’s Steer Clear® and GEICO’s DriveEasy encourage safe driving habits. Teens who participate in monitored driving courses or apps can earn rewards for consistent safe behavior.
• Bundling Discount. Families can save by combining policies. Adding a teen to an existing auto plan or bundling car insurance with homeowners or renters insurance frequently results in multi-policy discounts.
• Driver’s Education Discount. Completing a certified driver’s education course not only improves driving skills but also helps teens qualify for lower premiums. Insurers recognize that trained drivers are less likely to be involved in accidents.
• Accident-Free Discount. Young drivers who maintain a clean record without accidents over a set period may qualify for accident-free discounts. The longer the safe streak, the greater the savings.
• Low Mileage Discount. Teens who drive infrequently, such as only commuting to school or work, may qualify for a low mileage discount. Less time on the road means lower risk for insurers.
• Usage-Based Insurance Programs. Programs like Progressive’s Snapshot® and Allstate’s Drivewise® track driving behavior through devices or apps. Teens who consistently drive safely can earn discounts based on their performance.
• Student Away at School Discount. If a teen attends college more than 100 miles from home and doesn’t regularly drive, insurers may reduce premiums since the car is used less often.
• Safe Driving Discount. Maintaining a spotless driving record with no violations or claims can qualify teens for a safe driving discount. This is one of the most straightforward ways to lower costs.
• Early Signing Discount. Some companies offer savings if families renew or sign up for a policy before the current one expires. Planning ahead can lead to reduced rates.
• Good Driver Discount. Young drivers who have held a license for several years without violations may qualify for a good driver discount, rewarding consistent safe driving habits.

Compare Teen Car Insurance Costs To Other States