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.

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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

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By Jason Wamsganz

Updated September 16, 2024

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

Mary Leslie

in the last week

I reached out to Partners Insurance in hopes of saving money on my auto insurance. Brian responded quickly and patiently answered my many questions about comparing my current coverage with a new policy. I was able to save quite a bit of money, and got better coverage. The new policy...

Richard Smith

a month ago

I recently worked with Brian Risk to find a new carrier for my homeowners, auto and umbrella insurance. Thanks to his advice, my overall annual premium is reduced, the coverage is more appropriate for my needs and I am with a more highly rated company. Brian spent as...

Holly Garrett

a month ago

Looking for a company that would insure my home as well as my car and I found Brian Risk at Partner's Insurance. I left a message, received a return call promptly and within an hour or so, my car and home were insured at a better price than my...