Compare Car Insurance Rates in Missouri

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Cheap Car Insurance Missouri: Full and Minimum Coverage

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  • Car insurance in Missouri averages $45 per month for minimum-coverage policies and $162 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.

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USAA typically offers the cheapest car insurance in Missouri, reporting an average rate estimate of $20 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 State Farm 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 35-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: USAA followed by Travelers
    • 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 ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts
State Farm4.7$35$12412

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 $535 per year. USAA tends to offer the cheapest minimum-liability policies with estimates of $20 per month or $242 per year.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
Missouri Farm Bureau$25$306
State Farm$35$417

Cheapest Full-Coverage Car Insurance in Missouri

In Missouri, the average rate for full-coverage auto insurance is $162 per month or $1,948 per year. Overall, USAA offers the cheapest average estimates for full-coverage insurance at $92 per month or $1,106 per year.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
State Farm$124$1,488
Missouri Farm Bureau$129$1,552

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.

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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 AgeAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage

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 ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
Missouri Farm Bureau$25$30
State Farm$35$40

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 $25 per month or $299 per year. Missouri Farm Bureau also offers extremely competitive rates for drivers whose recent driving history includes a speeding ticket.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
Missouri Farm Bureau$27$323
State Farm$38$460

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. Missouri Farm Bureau generally offers the cheapest coverage for Missouri drivers with a recent accident, with an average rate estimate of $28 per month or $340 per year. USAA and State Farm have relatively inexpensive coverage for drivers with an at-fault accident as well.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
Missouri Farm Bureau$28$340
State Farm$42$503

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, Missouri Farm Bureau offers average estimates of $34 per month or $407 per year. USAA and State Farm also offer some of the more affordable premiums for these drivers.

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
Missouri Farm Bureau$34$407
State Farm$38$460

Average Cost of Car Insurance in Missouri

The average cost of car insurance in Missouri comes out to $535 per year for minimum-liability insurance and $1,948 annually for full coverage. These rates are about 14% lower than the national average for minimum coverage but 2% higher 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 MissouriAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
St. Louis$61$210
Kansas City$49$174
Lee’s Summit$45$157
St. Joseph$42$156
Jefferson City$37$141
Blue Springs$46$154
Cape Girardeau$42$148
Olive Branch$43$131
St. Peters$47$149
St. Charles$47$151

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 $20 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 $92 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.

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USAA: 4.6 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: 3.4 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 $162 for full coverage. Our team found rates in Missouri as low as $20 per month for minimum coverage and $92 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 $535 per year for minimum coverage and $1,948 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.