Town and Country, MO Auto Insurance

Compare auto insurance in Town and Country, MO. Choose from Travelers, Safeco, Progressive and dozens of other top companies.

5.0 Google Reviews  google review 5 stars

missouri car insurance companies

Key takeways

The average cost of auto insurance in Town and Country, MO is $998 per year
Town and Country auto insurance is 12% higher than the Missouri average
Travelers is our top pick for auto insurance in Town and Country, MO
Table of Contents
    Add a header to begin generating the table of contents

    How much is auto insurance in Town and Country, MO?

    Auto insurance in Town and Country is about 12% higher than the rest of the state of Missouri according to our client data. This is due to population density, car accidents, weather patterns and crime along with other variables.

    Town and Country had a population of 11,584 in 2022 according to the United States Census Bureau.

    For minimum coverage on a single car, Missouri auto insurance has an average cost of $874/yr, while Town and Country is $998/yr.

    Auto insurance in Town and Country vs Missouri Average annual cost
    Town and Country $998/yr
    Missouri $874/yr

    Who are the best auto insurance companies in Town and Country?

    We work with many, not all, insurance companies in Town and Country for auto insurance. We rate them based on our personal experience with our clients, not some regurgitated data everyone is scraping from the internet. Real world experience.

    As an independent agent, we can choose from over 2 dozen companies. Here are our top recommendations:

    Best auto insurance companies

    Rank Company Reasoning
    #1 Travelers Fewest customer complaints. Rates are stable. Our customers give very positive feedback about their claims experience.
    #2 Cincinnati Strong policy. Great claims experience. One of the best reputations in the industry.
    #3 Safeco As a Liberty Mutual company, Safeco has strong financial backing. Over 100 years in business and committed to the independent insurance channel.
    #4 Nationwide One of the largest insurance and financial services companies in the world. Over 90 years in business. Strong policies. Great claims experience.
    #5 Progressive The discount choice for those looking for cheap auto insurance. Great technology. Ease of doing business.

    How did we determine the rankings?

    Our rankings are based on our real world experience working with insurance companies in Town and Country over the last 15 years. We consider our personal experience placing clients with different carriers. We feel this real life experience is more valuable than some anonymous survey!

    Our rating criteria includes rate stabilization, financial stability, customer service and ease of doing business among other factors. As an independent insurance agency, we can choose from over 2 dozen homeowners insurance companies for our clients.

    Town and Country, MO auto insurance coverage

    Getting the right auto insurance coverage helps ensure you don't have any gaps in your policy that can cost you a lot of money out-of-pocket.

    Liability covers other people and property you cause damage to. Comprehensive and Collision covers your vehicle. Many times you'll hear people say "full coverage". This is not an actual insurance term but they are typically referring to having Liability, Comprehensive and Collision.

    In addition to these basic coverages you can add more options such as roadside assistance, rental car coverage, GAP, medical payments and more. Our auto insurance coverage page goes into more depth.

    Missouri auto insurance requirements

    Missouri state law requires that you carry minimum Bodily Injury Liability limits of $25,000 per person and $50,000 per accident. You must also carry $25,000 in coverage for Property Damage. Of course, this is a minimum and we would never recommend anyone choosing limits this low.

    Our minimum recommendation is $100,000 per person and $300,000 per accident for Bodily Injury Liability and $100,000 for Property Damage. This is widely agreed upon amongst insurance professionals however you may want to go higher depending on your personal finances and assets.

    Example:

    On your policy you may see your liability limits appear like this:

    100,000/300,000/100,000

    This means your limits are:

    $100,000 Bodily Injury Liability limit per person
    $300,000 Bodily Injury Liability limit per accident
    $100,000 Property Damage Liability

    Comprehensive and Collision coverage, often referred to as full coverage, are not required by the state. However, if you have a loan on your vehicle, your lender will require you to have full coverage.

    Auto insurance discounts

    You can save big by ensuring you have all the discounts you qualify for. This can be as much as a 40 - 50% cost reduction. You don't want to leave that on the table.

    Good driver, multi-vehicle and bundling with your home or renters are just a few examples of the biggest discounts you can earn. Check out our list of 24 auto insurance discounts you should be asking about to maximize your savings.

    What our customers are saying

    5.0 Google Reviews google review 5 stars

    Ryan Robinson
    2 weeks ago
    Brian has helped me, my family, and girlfriend with auto and home policies and has been fantastic every time! Not only gets the best rate, but takes the time to educate you when you have a question. It is always a pleasure to do business with him
    Kimbra Hess
    2 weeks ago
    Brian Risk/ Partners Insurance handles my policies quickly and efficiently. Any time I have questions or need policies updated, Brian makes the process seemless and easy. Furthermore, Brian handles every inquiry immediately. I’m very satisfied as a customer.
    Ronald Gaddis
    5 months ago
    Insurance is a necessity of life and finding an insurance agency that is trustworthy, professional, responsive to the needs of their clients and not trying to sell you a policy which financially benefits them and not you is difficult to find. Having said that, I am happy to say that...

    The best way to compare and buy car insurance in Town and Country, MO.

    Let us do the work.

    woman smiling

    Frequently Asked Questions

    The average cost for auto insurance in Town and Country is $998/yr for minimum coverage on a single car.

    Auto insurance in Town and Country is about 12% higher than the rest of the state of Missouri according to our client data.

    For minimum coverage on a single car, the average cost in Missouri is $874/yr, while Town and Country is $998/yr.

    Our favorites based on our experience:

    1. Travelers
    2. Cincinnati
    3. Safeco
    4. Nationwide
    5. Progressive

    More from our blog

    comprehensive auto insurance coverage

    What is Comprehensive Auto Insurance Coverage?

    By Jason Wamsganz | November 17, 2023

    What is comprehensive coverage? Comprehensive auto insurance is an optional coverage that pays for damages […]

    Read More
    car storage insurance

    Do I Need Car Storage Insurance?

    By Jason Wamsganz | November 15, 2023

    When your car is tucked away in storage, whether for the winter months, during an […]

    Read More
    lend your car

    Lend Your Car to a Friend? You’re on the Hook.

    By Jason Wamsganz | October 16, 2023

    Did you know that you might be on the hook for any accidents that occur […]

    Read More
    car insurance rates 2023

    Car Insurance Rates Exploding in 2023. How to Save.

    By Jason Wamsganz | September 28, 2023

    Unfortunately, car insurance rates are continually on the rise, from factors as diverse as weather […]

    Read More
    borrowed car in accident

    Borrowed Car in Accident | Whose Insurance is Responsible?

    By Jason Wamsganz | July 6, 2023

    Whose insurance pays if you lend your car out to a friend or family member […]

    Read More
    shop for car insurance

    Best Way to Shop for Car Insurance

    By Jason Wamsganz | June 7, 2023

    Having to shop for car insurance can be a daunting task, but it doesn’t have […]

    Read More
    Call Email Policy Service Payments