Cheapest Car Insurance In Missouri

Even though insurance coverage rates are slightly higher in Missouri than the national average, you still have a good chance at finding great car insurance in Missouri at excellent rates.

Here, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers and coverage options.

Cheapest Car Insurance Companies in Missouri

Check out USAA, State Farm, Progressive and Shelter Insurance when searching for the cheapest car insurance in Missouri. Compare car insurance policies from providers to uncover which ones best fit your cost and coverage needs.

Top Missouri Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Number of Discounts Offered	Learn More
USAA Learn More	9.2	9.5	9.7	9	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
Progressive Learn More	9.0	9.5	7.8	13	Learn More
Shelter Insurance	8.4	8.2	9.0	13

Top Missouri Car Insurance Companies	Overall Rating	Coverage Rating	Cost Rating	Number of Discounts Offered	Learn More
USAA Learn More	9.2	9.5	9.7	9	Learn More
State Farm Learn More	9.4	9.2	9.3	16	Learn More
Progressive Learn More	9.0	9.5	7.8	13	Learn More
Shelter Insurance	8.4	8.2	9.0	13

*Our research team considers nationwide factors when rating providers. The ranking order of providers in this table is specific to car insurance in Missouri.

Cheapest Car Insurance Coverage in Missouri

Coverage level has a major impact on rates. Many quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full coverage auto insurance.

Below are the cheapest auto insurance options in Missouri for both coverage types.

Cheapest Minimum Liability Insurance in Missouri

On average, drivers pay about $560 per year for minimum liability insurance in Missouri, which is around $47 per month. USAA is typically the cheapest liability insurance provider in Missouri, with rate estimates as low as $274 per year or $23 per month.

Cheapest Full Coverage Car Insurance in Missouri

While the Show-Me State isn’t the cheapest place for car insurance, you can find affordable policies if you know where to look. According to rate estimates from the MarketWatch Guides team, the best car insurance in Missouri can be found for as little as $105 per month. See the table below for the cheapest car insurance providers on average for full coverage insurance in the state.

These rates are based on a 35-year-old driver with good credit and a clean driving history. Your rates will vary depending on a number of factors.

Age, driving history and a person’s credit scores can have a huge impact on the cost of car insurance in Missouri. Below we compare cheap car insurance estimates for Missouri drivers in these categories.

Cheapest Car Insurance for Young Drivers in Missouri

Young drivers will pay more for car insurance than older adults. Below are some tables that go over average car insurance rates in Missouri at different ages. 

Cheapest Missouri Car Insurance for 16-Year-Olds

USAA, Missouri Farm Bureau and State Farm are among the cheapest car insurance companies for teens on their own insurance policies.

Cheapest Missouri Car Insurance for 18-Year-Olds

USAA is also the cheapest on average for 18-year-old drivers.

*Costs were taken from 2022 information.

Cheapest Missouri Car Insurance for 21-Year-Olds

Car insurance prices continue to decrease as drivers get older. For 21-year-olds, insurance can be as low as $92 per month in Missouri.

*Costs were taken from 2022 information.

Cheapest Missouri Car Insurance for 25-Year-Olds

Nationwide enters the top five cheapest car insurance companies for 25-year-olds. At this age, drivers can generally start to find prices that are below average for the state.

Cheapest Missouri Car Insurance for High-Risk Drivers

How much does having a ticket or DUI on your record change costs in Missouri? Find out below.

Cheapest Missouri Car Insurance for Drivers With a Speeding Ticket

Expect car insurance rates to increase significantly after a recent speeding violation. Missouri motorists with a speeding ticket on their record pay an average of $2,490 per year for coverage.

Cheapest Missouri Car Insurance for Drivers With a Recent Accident

Your Missouri car insurance costs will increase if you have an accident in your driving history. Missouri drivers who have been in a recent car accident pay average insurance premiums of $2,992 per year.

Cheapest Missouri Car Insurance for Drivers With a DUI

One of the many reasons to avoid getting a DUI is the harsh rates drivers end up paying for auto insurance. Drivers pay an average of $3,085 per year for car insurance in Missouri after a DUI incident.

Cheapest Missouri Car Insurance for Drivers With Poor Credit

Having a bad credit score causes car insurance rates to skyrocket. Drivers with poor credit in the Show-Me State typically pay $3,935 per year on average for coverage.

Car Insurance Deals in Missouri

Insurance providers in Missouri offer different ways to save money on car insurance premiums with deals and discounts. The table below shows the discounts offered by the top providers in the Show-Me-State.

*These are the standard car insurance discounts offered by each company. Discount availability can vary by state, so you’ll need to speak with an insurance agent to find out which car insurance discounts you may qualify for.

Car Insurance Discounts in Missouri

Drivers in Missouri should look into which discounts they are eligible for when shopping for car insurance in order to find the best deal. Different providers will offer different discounts, but there are some discounts that are consistently offered by most companies.

Here’s more information on some of the most common discount offerings for motorists to save on car insurance:

• Military: Available to both veterans and active military members
• Multi-policy: Bundle two or more insurance policies with the same company will earn this discount
• Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies
• Senior: Typically “seniors” will be drivers that are 55 years of age or older
• Homeowners: Owning a home may qualify you for this discount
• Good student: College and high school students under 25 who maintain a B average in their courses qualify
• Good driver: Applies to drivers with a clean driving record (no at-fault accidents, DUIs, or speeding tickets in the last three years)
• Defensive driving: Those who take a defensive driving course tend to qualify for this discount
• Driver training: Get a discount by taking a driver education training course
• New car: Given to drivers who purchase a new car, typically three model years or newer
• Safe car: Applies if your vehicle has safety features like anti-theft technology
• Paperless: Receive a discount by opting to receive your documents through email
• Pay-in-full: Get a discount on your car insurance premium by paying your policy in full up front

For those who would like to know about the cheapest auto insurance in the Show Me State, the sections below contain more detailed information:

The average cost of full coverage car insurance in Missouri is $2,104 per year, which comes out to about $175 per month. The cost of Missouri car insurance is very close to the national average of $2,008 per year.

On the map below you can see how car insurance costs in Missouri compare to the rest of the nation.

Missouri Car Insurance Cost by Age

Young drivers pay more for car insurance than drivers in their 30s or middle-aged drivers. Below, you can see average car insurance rates for people of different ages with clean driving records.

Cost of Missouri Car Insurance by City

Drivers in the St. Louis and Kansas City areas can expect to pay far higher rates than those who live elsewhere in Missouri. Most other cities have average auto insurance rates that are below the state’s average.

*Average rates above apply to the top three companies in each city.

Factors That Affect Car Insurance Costs in Missouri

Certain factors typically affect auto insurance rates across the country. Some of the most common are:

• Location
• Vehicle
• Age, gender and marital status
• Driving history
• Credit score
• Chosen deductible

We recommend that anyone searching for cheap car insurance in Missouri weigh options from providers before making a final decision. By doing so, you may find coverage choices that save you hundreds per year on Missouri auto insurance.

Missouri follows an at-fault system, meaning that whoever causes an accident is responsible for paying for all damages. States with at-fault systems often have below-average auto insurance costs, but that’s not the case with car insurance in Missouri.

Missouri Minimum Coverage Requirements

According to the Missouri Department of Revenue, Missouri drivers must meet the following state minimum coverage requirements:

• Bodily injury liability insurance: $25,000 per person and $50,000 per accident
• Property damage liability coverage: $20,000 per accident
• Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident

If you want greater protection beyond Missouri’s minimum coverage limits, consider adding comprehensive coverage and collision insurance to your auto insurance policy. Missouri doesn’t require underinsured motorist insurance, but it can be a good idea to have this extra protection.

How To Get Car Insurance in Missouri

Consider USAA, State Farm, Missouri Farm Bureau and American Family Insurance when hunting for the cheapest car insurance in Missouri. The easiest way to find affordable auto insurance coverage is comparing car insurance quotes from providers before making a final decision. Use a comparison tool to see which companies give you the best insurance discounts, and consider bundling with homeowners or renters insurance to save money.

In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Missouri. We also looked at average cost of car insurance and coverage requirements in the Show Me State.

Car Insurance Missouri: FAQ

Below are some common frequently asked questions about cheap car insurance in Missouri:

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

• Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
• Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
• Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
• Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
• Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Our credentials:

• 800 hours researched
• 45 companies reviewed
• 8,500+ consumers surveyed

*Data accurate at time of publication.