Cheapest Auto Insurance in Missouri (2024)
USAA offers the cheapest liability car insurance in Missouri, at $29 per month.
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Written byJessica Martel
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Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
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Edited byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 20, 2024
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Table of contents
Looking for car insurance in the Show-Me State? On average, Missouri drivers can expect to pay $154 per month, close to the national average of $154.
While Missouri requires bodily and property liability insurance, it doesn’t require additional insurance like personal injury protection (PIP). This helps keep Missouri car insurance rates close to the national average. States that require additional coverage, such as PIP, tend to have higher car insurance premiums. Always compare car insurance quotes before buying a policy.
Quick Facts
On average, Missouri drivers pay $99 per month for liability coverage and $210 for full-coverage insurance.
Insurers in Missouri can consider your credit history when setting car insurance rates.
Drivers in Missouri must carry the state’s minimum liability insurance coverage.
3 of the cheapest car insurance companies in Missouri
The car insurance company in Missouri that’s the right fit for you will depend on your situation and needs. The amount you pay for auto insurance can vary based on your age, gender, location, how often you drive, your driving record, and the car insurance company you choose. Comparing multiple insurance companies can help you find the best price on car insurance.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $55 | $29 | Military members, veterans, and their families |
| State Farm | 9.3 | $65 | $35 | Teen drivers |
| Allstate | 9.4 | $55 | $29 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military members, veterans, and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $29/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $55/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
879NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Founded in 1922, USAA started as an auto insurance company for military members. Today, the company provides military members with various banking, investing, and insurance products.
Military members and their families can also take advantage of several auto insurance discounts, including multi-vehicle discounts and good student discounts. If you live in an eligible state, you might also take advantage of the USAA Safe Pilot program, where you can save up to 10% just for enrolling and up to 30% for safe driving.
Pros
Savings of up to 40% possible with SafePilot program
Excellent J.D. Power customer satisfaction ratings[1]
Cons
Only available to active-duty military members, veterans, military spouses, and children of service members or veterans
Gap insurance not available
Best insurer for teen drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $65/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has been insuring drivers for more than 80 years. Today, State Farm offers a variety of investment, banking, and insurance products, including multiple car insurance options and discounts.
For teen drivers looking to reduce their insurance costs, State Farm offers several targeted programs. The Steer Clear program is geared toward drivers younger than 25 and allows them to save up to 20% for safe driving. Teens can also get a discount of up to 30% when they download the Drive Safe & Save Mobile app.
Pros
Above-average J.D. Power customer satisfaction rating in the Central region
Savings of up to 30% possible with Drive Safe & Save program[2]
Cons
Doesn’t offer gap insurance
Might not be the cheapest option for drivers with violations
Best insurer for discounts: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $88/mo |
4.0
Best choiceBased on 5647 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,072)
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
Linda
November 12, 2024
Verified Review
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
The office in St. Petersburg, FL has significantly changed. I have been with All State, using the same office, for years. Recently, new management has taken over and the staff has become less courteous and often fail to follow through on their commitments. It's even more challenging when your call gets redirected to an office in another state.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate has been around for more than 90 years. The company offers a variety of insurance products, including property insurance, life insurance, and vehicle insurance.
If you’re looking for ways to reduce your car insurance rates, Allstate features many car insurance discounts, including a multi-policy discount, new-car discount, and smart student discount. Drivers can also save up to 40% with Allstate’s safe driving program, Drivewise. Allstate’s Milewise program offers pay-per-mile coverage, which can help you save if you drive less.
Pros
Pay-per-mile coverage available through Milewise
Variety of discounts and savings
Cons
Average rates compared to other insurers
Below-average J.D. Power customer satisfaction rating in the Central region
How to get the cheapest car insurance in Missouri
If you want to find the cheapest car insurance in Missouri, it can help to understand how insurers calculate your insurance premiums. Insurance companies look at factors including your age, gender, location, the type of car you drive, how often you drive, and the type of insurance you want.
To keep your insurance premiums as low as possible, consider the following tips:
Compare insurance companies. Car insurance prices can vary widely between companies. It’s a good idea to compare several insurance companies to find the one that fits your needs and budget.
Increase your deductible. Your deductible is the amount of money you pay before your insurance takes over. Agreeing to pay a higher deductible can reduce your premiums substantially.
Bundle your insurance. Purchasing multiple insurance products from the same company, such as home insurance and auto insurance, can result in a discounted rate.
Find Cheap Car Insurance in Missouri
Rates start at $29 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Missouri: USAA
Almost every state, including Missouri, requires car owners to carry liability-only car insurance. Liability-only car insurance is composed of bodily injury and property damage liability. Bodily injury insurance covers the costs of the other driver’s medical bills if you cause an accident. Property damage liability covers the cost of any damage you cause to property, such as a fence or light pole, if you cause an accident.
Liability-only insurance costs Missouri drivers an average of $99 per month. The following table shows some of the insurance companies offering the cheapest liability-only car insurance in Missouri.
10 cheapest insurers for liability-only
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Missouri: USAA
If you want to maximize your protection, you may consider full-coverage car insurance. While liability-only insurance covers the other driver if you cause a car accident, it doesn’t cover you. Full-coverage car insurance covers you and your vehicle if you cause an accident through collision and comprehensive insurance.
Full-coverage auto insurance costs an average of $210 per month in Missouri. Check out the table below for the cheapest full-coverage car insurance companies in Missouri.
10 cheapest insurers for full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Missouri
Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $88/mo for full coverage in Missouri.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Missouri
Missouri state law requires all vehicle owners and operators to carry liability insurance. Liability insurance covers your legal liabilities should you injure another driver or damage their property in an at-fault accident.
If you’re caught without the required minimum coverage, you could face license suspension and fees. If you get in an accident and don’t pay damages, you risk losing your license for a year.[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
If you want additional protection, forms of optional insurance coverage to consider include:
Collision coverage
Collision insurance covers you if you get in an accident with another vehicle or if you hit an object, such as a tree or fence.
Comprehensive coverage
Comprehensive insurance covers damage to your vehicle that isn’t caused by an accident, such as damage caused by a fire, earthquake, hailstorm, or vandalism.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re the victim of a hit-and-run or if you’re hit by another driver who doesn’t have enough insurance to cover the damages.
Cheapest car insurance for drivers with an incident
An incident includes speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations. When car insurers calculate your insurance premiums, they’re trying to determine how high of a risk it is to insure you. Having a driving record with multiple incidents demonstrates a higher level of risk and typically results in more expensive insurance.
Shop for Car Insurance in Missouri
Monthly rates start at $36 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: USAA
Speeding can affect your safety as well as other drivers. Speeding increases the potential for you to lose control of your vehicle and is a contributing factor to traffic fatalities. Since insurers view speeding as an increased risk, it can also result in higher insurance premiums.
Missouri uses a points system when you’re convicted of a traffic violation. If you’re caught speeding, you can receive up to three points against your license. Accumulating eight or more points in an 18-month period can result in the suspension of your driving privileges.[3]
The average cost of car insurance for drivers with a speeding ticket in Missouri is $297 per month for full coverage and $140 for liability only.
The following table shows the companies offering cheap car insurance in Missouri for drivers with speeding tickets.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| USAA | $29 | $38 |
| State Farm | $35 | $45 |
| Allstate | $47 | $61 |
| GEICO | $51 | $67 |
| American Family | $59 | $77 |
| Clearcover | $69 | $91 |
| Progressive | $71 | $92 |
| Shelter | $77 | $104 |
| Nationwide | $82 | $108 |
| Auto-Owners | $85 | $112 |
| Travelers | $86 | $113 |
| Safeco | $90 | $119 |
| Direct Auto | $92 | $120 |
| National General | $96 | $126 |
| Dairyland | $119 | $155 |
| GAINSCO | $128 | $180 |
| Bristol West | $128 | $168 |
| The General | $130 | $173 |
| Liberty Mutual | $136 | $191 |
| AssuranceAmerica | $141 | $184 |
| Foremost | $156 | $219 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
If you cause an accident, you can expect your premiums to go up. How much your insurance increases will vary between insurance companies, and the increase will generally stay on your premiums for three years following your claim. If you have multiple accidents and traffic violations, there’s a chance your insurance company may not renew your policy.
The average cost of car insurance for drivers with an at-fault accident in Missouri is $313 per month for full-coverage car insurance and $147 for liability-only coverage.
The table below highlights the insurance companies that offer the lowest average rates for drivers with an accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| USAA | $29 | $40 |
| State Farm | $35 | $48 |
| Allstate | $47 | $65 |
| GEICO | $51 | $71 |
| American Family | $59 | $82 |
| Clearcover | $69 | $102 |
| Progressive | $71 | $99 |
| Shelter | $77 | $111 |
| Nationwide | $82 | $114 |
| Auto-Owners | $85 | $118 |
| Travelers | $86 | $120 |
| Safeco | $90 | $123 |
| Direct Auto | $92 | $130 |
| National General | $96 | $132 |
| Dairyland | $119 | $163 |
| GAINSCO | $128 | $169 |
| Bristol West | $128 | $176 |
| The General | $130 | $183 |
| Liberty Mutual | $136 | $200 |
| AssuranceAmerica | $141 | $190 |
| Foremost | $156 | $229 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
Driving while under the influence can have serious consequences, and insurance companies take this seriously. Having a DUI can greatly increase your insurance premiums and potentially result in other serious consequences.
In Missouri, if you hurt or kill someone because you were driving under the influence, you risk the following:
Two to seven years in jail
A $5,000 fine
Loss of your license for five years[3]
The average cost of car insurance for drivers with a DUI in Missouri is $355 per month for full coverage and $167 for liability only.
The following table provides the lowest rates for car insurance in Missouri for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| USAA | $29 | $48 |
| State Farm | $35 | $58 |
| Allstate | $47 | $78 |
| GEICO | $51 | $85 |
| American Family | $59 | $98 |
| Clearcover | $69 | $115 |
| Progressive | $71 | $118 |
| Shelter | $77 | $128 |
| Nationwide | $82 | $137 |
| Auto-Owners | $85 | $142 |
| Travelers | $86 | $143 |
| Safeco | $90 | $139 |
| Direct Auto | $92 | $154 |
| National General | $96 | $160 |
| Dairyland | $119 | $199 |
| GAINSCO | $128 | $214 |
| Bristol West | $128 | $214 |
| The General | $130 | $217 |
| Liberty Mutual | $136 | $227 |
| AssuranceAmerica | $141 | $235 |
| Foremost | $156 | $260 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Age is one of the variables insurers use to determine your insurance premiums. While insurance is high among young drivers, premiums tend to decrease for drivers older than 25.
Drivers 55 years and older often experience reduced insurance costs. This is attributed to driving less, having safer driving behaviors, and taking advantage of age-related discounts.[4]
Then, around age 70, the cost of insurance starts to increase once again. One of the reasons is that drivers 70 and older have higher fatal crash rates. The higher rate is largely due to their increased level of vulnerability in a crash.
The average monthly cost of car insurance for senior drivers in Missouri is $157 for full coverage and $74 for liability only.
The table below highlights the insurance companies in Missouri offering the best cheap car insurance for seniors.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $22 | $42 |
| State Farm | $26 | $48 |
| Allstate | $36 | $67 |
| GEICO | $39 | $73 |
| American Family | $44 | $82 |
| Progressive | $48 | $91 |
| Shelter | $53 | $100 |
| Clearcover | $57 | $117 |
| Nationwide | $58 | $110 |
| Auto-Owners | $64 | $120 |
| Travelers | $64 | $120 |
| Direct Auto | $68 | $137 |
| National General | $70 | $146 |
| Safeco | $73 | $116 |
| Dairyland | $90 | $280 |
| Bristol West | $97 | $259 |
| The General | $100 | $237 |
| AssuranceAmerica | $101 | $315 |
| GAINSCO | $102 | $245 |
| Liberty Mutual | $109 | $214 |
| Foremost | $118 | $256 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teen drivers present the highest risk to insurance companies, with a fatal crash rate almost three times as high as drivers age 20 and older. A combination of factors, including inexperience, distracted driving, and speeding, contribute to teen drivers’ higher levels of risk.
To reduce the amount you pay for insurance as a teen driver, consider the following tips:
Stay on your parents’ insurance plan. It’s generally cheaper to join your parents’ insurance plan than to purchase one on your own.
Look for teen driver discounts. Many insurance companies offer discounts to teen drivers, such as good student discounts for teens who can maintain a certain average, as well as discounts for teens who take driver training courses.
Drive a safe car. The type of car you drive can also affect your insurance premiums. Cars with high-quality safety equipment might help you qualify for cheaper insurance.
The average cost of car insurance for teen drivers in Missouri is $399 per month for full-coverage car insurance and $188 for liability only.
The table below highlights Missouri insurance companies offering the cheapest car insurance for teenagers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| USAA | $52 | $98 |
| State Farm | $64 | $118 |
| GEICO | $87 | $163 |
| Allstate | $89 | $166 |
| American Family | $108 | $201 |
| Progressive | $132 | $249 |
| Clearcover | $134 | $278 |
| Shelter | $136 | $258 |
| Auto-Owners | $151 | $285 |
| Nationwide | $152 | $286 |
| Travelers | $164 | $308 |
| Direct Auto | $178 | $357 |
| Safeco | $182 | $290 |
| National General | $199 | $416 |
| Dairyland | $204 | $632 |
| The General | $219 | $518 |
| Bristol West | $229 | $607 |
| GAINSCO | $234 | $561 |
| Liberty Mutual | $247 | $487 |
| AssuranceAmerica | $273 | $855 |
| Foremost | $293 | $633 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Missouri car insurance quotes by credit tier
Insurance companies in Missouri are allowed to use your credit history in determining your car insurance rates.[5] Studies suggest that how you manage your finances is a predictor of how likely you are to file an insurance claim.[6] Generally, an excellent or good credit score will result in a lower insurance premium, while a poor credit score can increase the cost.
The table below provides average monthly quotes for each of the credit tiers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Missouri car insurance FAQs
Finding the best car insurance can be challenging. Below, you’ll find answers to some of Missouri drivers’ most commonly asked car insurance questions.
How much is car insurance in Missouri?
The average cost of car insurance in Missouri is $154 per month. Missouri drivers pay $99 per month for liability coverage and $210 for full coverage. How much you pay for your policy depends on your driving record, age, credit history, and more.
Which company has the cheapest car insurance in Missouri?
USAA offers the cheapest car insurance in Missouri, with a monthly rate of $29 for liability coverage. State Farm has the second-cheapest liability coverage rate in the state, at $35 per month. Allstate is the third-cheapest Missouri insurer, with a rate of $47 per month for liability coverage.
You should always compare quotes from multiple insurers to find the cheapest car insurance.
What are the best car insurance companies in Missouri?
With an AM Best financial strength rating of A++ (Superior) and low average rates, State Farm is the best car insurance company in Missouri. On average, Missouri drivers with coverage from State Farm pay $35 per month for liability and $65 for full coverage. Other top insurers include USAA and Allstate.
What are the minimum insurance requirements in Missouri?
The minimum car insurance requirements in Missouri are $25,000 per person and $50,000 per accident in bodily injury liability insurance, along with $25,000 per accident in property damage liability insurance.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- J.D. Power. "2023 U.S. Auto Claims Satisfaction Study."
- Save on Auto Insurance. "Free Car Insurance Quote."
- Missouri Department of Revenue. "Missouri Driver Guide."
- III. "Senior driving safety and insurance tips."
- Missouri Department of Insurance, Financial Institutions & Professional Registration. "Auto Credit Scoring."
- III. "Background on: Insurance scoring."
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Jessica Martel
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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