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- Car insurance in Missouri averages $45 per month for minimum-coverage policies and $147 each month for full coverage.
- USAA offers the lowest average prices in Missouri for both minimum and full coverage.
- At-fault accidents, DUIs, and speeding tickets can often increase Missouri car insurance premiums.
USAA typically offers the cheapest car insurance in Missouri, reporting an average rate estimate of $21 per month for minimum coverage. Missouri Farm Bureau usually has the second-cheapest coverage for Missouri drivers, making it another strong choice.
Our team considered cost data, coverage choices, customer reviews, and industry reputations to find the best car insurance in Missouri. We’ll break down each provider’s average costs to help you find high-quality and affordable insurance in the Show-Me State.
Best Car Insurance Rates in Missouri
USAA, Missouri Farm Bureau, and Progressive tend to offer the cheapest auto insurance rates for Missouri drivers. It’s important to get quotes from various providers to determine which company has the lowest prices.
- Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different coverage types, driver profiles, and cities in Missouri. We used this data to determine the cheapest coverage options from quality car insurance providers, and you’ll find details in tables throughout the article.
- To determine an overall rating for each top insurance company, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in the customer experience and online reviews to establish a numerical rating out of the highest possible score of 5.0.
- Unless stated otherwise, estimates reflect the profile of a 40-year-old driver with a clean driving record and good credit history.
- You’ll find detailed cost estimates in the sections below, but we’ve listed out the cheapest car insurance companies in Missouri for a few driver profiles right here:
- Cheapest full coverage: USAA followed by Travelers
- Cheapest minimum coverage: USAA followed by Missouri Farm Bureau
- Cheapest for teen drivers: Missouri Farm Bureau followed by USAA
- Cheapest for drivers with a traffic violation: Missouri Farm Bureau followed by USAA
Cheapest Car Insurance Companies in Missouri
We’ve compiled the auto insurance providers that offer Missouri’s best mix of affordable coverage and high-quality plans. While USAA has the Show-Me State’s cheapest rates overall, State Farm received the highest score of any company we researched.
| Car Insurance Provider | Overall Rating | Average Monthly Rate: Minimum Coverage | Average Monthly Rate: Full Coverage | Number of Discounts |
| State Farm | 4.6 | $38 | $125 | 12 |
| GEICO | 4.4 | $80 | $242 | 16 |
| USAA | 4.5 | $21 | $80 | 13 |
| Travelers | 4.6 | $38 | $101 | 16 |
| Progressive | 4.5 | $34 | $116 | 13 |
Cheapest Car Insurance Coverage in Missouri
The cheapest car insurance in Missouri will almost certainly be minimum-liability coverage. While this will meet your state’s car insurance requirements, it won’t protect your vehicle or pay for personal bodily injuries.
Getting a full-coverage auto insurance plan will cover your car and medical bills instead of only those for other drivers. Nobody is a perfect driver, so while these plans cost significantly more than minimum coverage, you could save a lot of money if you get involved in an at-fault accident.
Cheapest Minimum-Liability Car Insurance in Missouri
The average rate estimate for a minimum-coverage policy in Missouri is $45 per month or $540 per year. USAA tends to offer the cheapest minimum-liability policies with estimates of $21 per month or $250 per year.
| Car Insurance Provider | Average Monthly Rate for Minimum Coverage | Average Yearly Rate for Minimum Coverage |
| USAA | $21 | $250 |
| Missouri Farm Bureau | $23 | $270 |
| State Farm | $38 | $450 |
| Travelers | $38 | $450 |
| Progressive | $34 | $413 |
| GEICO | $80 | $954 |
| Shelter | $61 | $734 |
| AAA | $65 | $776 |
| Allstate | $69 | $826 |
Cheapest Full-Coverage Car Insurance in Missouri
In Missouri, the average rate for full-coverage auto insurance is $147 per month or $1,758 per year. Overall, USAA offers the cheapest average estimates for full-coverage insurance at $80 per month or $965 per year.
| Car Insurance Provider | Average Monthly Rate for Full Coverage | Average Yearly Rate for Full Coverage |
| USAA | $80 | $965 |
| Travelers | $101 | $1,217 |
| State Farm | $125 | $1,500 |
| Missouri Farm Bureau | $117 | $1,405 |
| Progressive | $116 | $1,391 |
| GEICO | $242 | $2,908 |
| Shelter | $195 | $2,344 |
| AAA | $230 | $2,754 |
| Allstate | $169 | $2,032 |
Missouri Car Insurance Quotes by Driver Profile
You may be wondering why your Missouri insurance rates vary from what’s listed above. That’s because auto insurance companies base individual premiums on many different variables. Your age, driving record, and location in Missouri all contribute to your overall car insurance cost.
Cheapest Car Insurance in Missouri: Age
Age is one of the biggest factors in car insurance pricing. Young drivers and especially teen drivers typically pay far more for auto coverage. In the table below, you’ll find the average rate estimates for Missouri drivers of different ages:
| Driver Age | Average Monthly Rate for Full Coverage |
| 16 | $540 |
| 20 | $255 |
| 30 | $152 |
| 40 | $147 |
| 50 | $139 |
Cheapest Car Insurance in Missouri: High-Risk Drivers
Driving history is another key component in Missouri auto insurance rates, as those with clean driving records often get cheaper car insurance rates. Any at-fault accidents or traffic violations such as speeding tickets can result in higher premiums.
How much your driving record impacts your monthly cost varies by car insurer. Below is a list of the top insurers in Missouri and their average minimum-coverage rates for good drivers versus those marked as high-risk drivers.
| Car Insurance Provider | Average Monthly Rate for Clean Driving Records | Average Monthly Rate for High-Risk Drivers |
| Missouri Farm Bureau | $25 | $30 |
| USAA | $20 | $31 |
| State Farm | $35 | $40 |
| Travelers | $40 | $49 |
| Progressive | $40 | $54 |
| GEICO | $48 | $78 |
| Allstate | $68 | $91 |
| Shelter | $60 | $93 |
| AAA | $66 | $108 |
Car Insurance Rates in Missouri: Speeding Ticket
A single speeding ticket can cause your premiums to skyrocket For Missouri drivers, USAA tends to offer the cheapest car insurance after a speeding ticket with an average rate estimate of $96 per month or $1,447 per year. Missouri Farm Bureau also offers extremely competitive rates for drivers whose recent driving history includes a speeding ticket.
| Car Insurance Provider | Average Monthly Rate After a Speeding Ticket | Average Yearly Rate After a Speeding Ticket |
| USAA | $96 | $1,147 |
| Missouri Farm Bureau | $121 | $1,456 |
| State Farm | $134 | $1,612 |
| Travelers | $124 | $1,484 |
| Progressive | $143 | $1,714 |
| GEICO | $284 | $3,408 |
| Allstate | $194 | $2,325 |
| Shelter | $249 | $2,987 |
| AAA | $315 | $3,780 |
Car Insurance Rates in Missouri: At-Fault Accident
Drivers will also likely see higher premiums if they’re found at fault for a car accident. USAA generally offers the cheapest coverage for Missouri drivers with a recent accident, with an average rate estimate of $111 per month or $1,327 per year. Missouri Farm Bureau and Travelers have relatively inexpensive coverage for drivers with an at-fault accident as well.
| Car Insurance Provider | Average Monthly Rate After an At-Fault Accident | Average Yearly Rate After an At-Fault Accident |
| Missouri Farm Bureau | $126 | $1,508 |
| USAA | $111 | $1,327 |
| State Farm | $144 | $1,724 |
| Travelers | $130 | $1,555 |
| Progressive | $156 | $1,870 |
| GEICO | $374 | $4,484 |
| Shelter | $279 | $3,352 |
| Allstate | $243 | $2,913 |
| AAA | $361 | $4,332 |
Car Insurance Rates in Missouri: DUI
A violation for driving under the influence (DUI) can cause a litany of issues, including higher insurance premiums. For Missouri motorists with a DUI on their record, Progressive and State Farm offers average estimates of $134 per month or $1,612 per year. Travelers and USAA also offer some of the more affordable premiums for these drivers.
| Car Insurance Provider | Average Monthly Rate After a DUI | Average Yearly Rate After a DUI |
| Missouri Farm Bureau | $143 | $1,716 |
| USAA | $139 | $1,666 |
| State Farm | $134 | $1,612 |
| Progressive | $134 | $1,612 |
| Travelers | $135 | $1,615 |
| GEICO | $444 | $5,333 |
| Allstate | $224 | $2,689 |
| Shelter | $322 | $3,867 |
| AAA | $355 | $4,258 |
Average Cost of Car Insurance in Missouri
The average cost of car insurance in Missouri comes out to $540 per year for minimum-liability insurance and $1,758 annually for full coverage. These rates are about 30% lower than the national average for minimum coverage and 11% lower than the national rate for full coverage.
Average Car Insurance Cost in Missouri by City
Where you live in Missouri significantly impacts your auto insurance premiums. Factors such as population density, crime rates, and weather patterns vary between ZIP codes, and you can expect car insurance rates to follow suit. The table below shows the average rates for car insurance in Missouri’s largest cities.
| Cities in Missouri | Average Monthly Rate for Minimum Coverage | Average Monthly Rate for Full Coverage |
| St. Louis | $61 | $210 |
| Springfield | $47 | $149 |
| Kansas City | $49 | $174 |
| Jackson | $43 | $146 |
| Independence | $49 | $166 |
| Columbia | $39 | $147 |
| Lee’s Summit | $45 | $157 |
| St. Joseph | $42 | $156 |
| Jefferson City | $37 | $141 |
| Blue Springs | $46 | $154 |
| Gulfport | $46 | $140 |
| Brandon | $43 | $136 |
| Biloxi | $44 | $136 |
| Cape Girardeau | $42 | $148 |
| Florissant | $59 | $190 |
| Olive Branch | $43 | $131 |
| St. Peters | $47 | $149 |
| Oakville | $54 | $174 |
| St. Charles | $47 | $151 |
| Meridian | $36 | $131 |
Missouri Minimum Car Insurance Coverage
According to Missouri law, all drivers must either meet or exceed the following minimum coverage requirements:
- $50,000 bodily injury liability per accident
- $25,000 bodily injury liability per person
- $25,000 property damage liability per accident
- $50,000 uninsured underinsured motorist coverage per accident
- $25,000 uninsured underinsured motorist coverage per person
While liability insurance and uninsured motorist coverage are important, they won’t cut it for everyone. Both insurance agents and experts recommend upgrading beyond state minimum-coverage car insurance policies. Higher limits could protect you from paying large amounts of money after an accident.
If you have collision coverage and comprehensive coverage, you’ll be safe from covering repair costs to your own vehicle after thefts, vandalism, a car accident, or severe weather. Other types of coverage such as personal injury protection (PIP) and medical payments coverage (MedPay) could make it easier to cover potential medical bills.
Cheap Car Insurance in Missouri: Conclusion
The cheapest car insurance in Missouri often comes from USAA, which has average rates of $21 per month. It’s important to compare auto insurance quotes from various providers to see if you could receive more affordable coverage elsewhere.
You may also want to consider the protection of a full-coverage policy. The best rates we found for full coverage came in as low as $80 per month from USAA. More coverage generally means higher premiums, but also more financial protection and peace of mind in case of an accident.
Best Car Insurance in Missouri: Recommended Providers
While certain companies are known to offer reasonable premiums to Missouri drivers, we recommend considering USAA and Missouri Farm Bureau as you begin your search for the best auto insurer.
USAA: 4.5 out of 5.0
USAA typically provides the cheapest car insurance in Missouri for both full-coverage and minimum-coverage plans. For those who are eligible, USAA may be the best choice between balancing cost and quality of coverage.
Missouri Farm Bureau: 3.9 out of 5.0
The price estimates for Missouri Farm Bureau car insurance in Missouri were extremely competitive, nearly matching those from USAA. That, combined with the company’s reputation and financial strength, makes it an excellent option for coverage in the Show-Me State.
Cheapest Auto Insurance in Missouri: FAQ
Which company gives the cheapest car insurance?
State Farm generally offers the cheapest car insurance when it comes to national averages. Drivers in Missouri tend to receive their lowest premiums from USAA and Missouri Farm Bureau.
How much is car insurance per month in Missouri?
The average cost of car insurance per month in Missouri is $45 for a minimum-coverage policy and $147 for full coverage. Our team found rates in Missouri as low as $21 per month for minimum coverage and $80 for a full-coverage policy.
How to reduce car insurance in Missouri?
The easiest ways to reduce your car insurance cost in Missouri are by lowering your amounts and types of coverage, increasing your deductible, and seeking out driver discounts. Improving your credit score and bundling coverage with homeowners or renters insurance are other ways to get lower rates over the long term.
How much is car insurance on average in Missouri?
Car insurance in Missouri averages out to $540 per year for minimum coverage and $1,758 annually for full-coverage policies.
Is it illegal to drive without insurance in Missouri?
Yes, it is illegal to drive without insurance in Missouri. Expect to receive a misdemeanor if you’re caught driving without coverage and current registration. It’s possible that you could be fined, lose permission to drive, or even face a short time in prison.
Is it cheaper to pay car insurance every six months or monthly?
You’ll typically get charged less if you pay off your car insurance policy every six months rather than each month. Many auto insurers give discounts for paying policies upfront, though this isn’t universally offered.
Our Methodology
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
- Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
- Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
- Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.
*Data accurate at time of publication.
