Cheapest Car Insurance Quotes in Missouri

Cheapest car insurance quotes in Missouri

Car insurance in Missouri is slightly cheaper than the national average. Missouri drivers pay an average of $90 per month for liability-only insurance and $169 per month for full coverage.

We’ve collected auto insurance rates from 120+ companies in Missouri to show how prices vary based on age, coverage level, driving history, and credit history. No two drivers in Missouri have the same driver profile, so shopping around is the best way to find the cheapest car insurance for you.

In the table below, you’ll see the cheapest insurance company in Missouri for several different driver categories.

Driver Category	Cheapest Insurance Company in Missouri	Cheapest Monthly Quote in MO
Overall	USAA	$56
State-minimum coverage	USAA	$56
Full coverage	USAA	$104
Drivers with a clean record	USAA	$56
After a speeding ticket	USAA	$72
After an at-fault accident	USAA	$76
After a DUI	USAA	$79
Teen/new drivers	USAA	$105
Seniors	USAA	$45
Bad credit	USAA	$68

Disclaimer: Table data is based on real-time Missouri quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Cheapest liability-only car insurance in Missouri: USAA

Liability coverage pays for other people’s injuries or property damage when you cause an accident, but it won’t pay for damage to your car if you’re in a wreck. Purchasing this coverage is the least expensive way to meet Missouri’s minimum insurance policy requirements. The average cost of liability-only coverage in Missouri is $90 per month.

If budget is your top priority, USAA offers the most affordable liability-only car insurance for Missouri drivers.

The table below shows the cheapest liability-only rates in Missouri.

The below rates in Missouri are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote
USAA	$56
Progressive	$65
State Farm	$67
Root	$82
Safeco	$85
National General	$88
Allstate	$90
Bristol West	$97
Direct Auto	$98
GEICO	$99
Clearcover	$101
Dairyland	$105
American Family	$113
The General	$118
GAINSCO	$122
Insurify Car	$133
Insurify Car	$133
Insurify Car	$133
Insurify Car	$133
Liberty Mutual	$148
Shelter	$150
Nationwide	$159
AssuranceAmerica	$163
Auto-Owners	$164
Travelers	$165

Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.

Agent Tip: Does liability-only coverage offer enough protection?

Britney Balk

Customer Service Supervisor, Insurify

You can legally drive in Missouri as long as you meet the state’s minimum liability insurance requirements. But because liability insurance only pays for damage and injury you cause to another driver, minimum coverage may not provide enough financial protection if you cause a car accident. You’d be at risk of paying out of pocket for damages exceeding your policy limits, as well as your own vehicle repairs.

View less

Cheapest full-coverage car insurance in Missouri: USAA

Averaging $169 per month in Missouri, full coverage is more expensive than basic liability insurance. But some insurers, including USAA, offer premiums below the state average cost of car insurance.

Full-coverage policies include liability insurance, collision coverage, and comprehensive coverage, which help pay for repairs to your vehicle. It’s often a requirement if you have a car loan or lease. 

Explore the table below to see the cheapest full-coverage rates in Missouri.

The below rates in Missouri are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote
USAA	$104
Progressive	$122
State Farm	$123
Insurify Car	$134
Insurify Car	$134
Insurify Car	$134
Insurify Car	$134
Safeco	$153
Root	$165
Allstate	$167
National General	$170
Direct Auto	$180
GEICO	$182
Clearcover	$191
American Family	$209
Liberty Mutual	$230
Bristol West	$242
The General	$266
Shelter	$276
GAINSCO	$282
Nationwide	$293
Auto-Owners	$303
Travelers	$305
Dairyland	$353
AssuranceAmerica	$425

Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.

Insurify Car: One-week car insurance for Missouri drivers

Insurify Car is a weekly car insurance option available in Missouri that lets you pay for seven days of coverage at a time. You can cancel anytime by logging into your account and selecting your cancellation date, or you can let coverage roll week to week.

If you need short-term protection or simply want more flexibility, Insurify Car meets Missouri’s state-minimum insurance requirements without requiring you to commit to a standard six-month or annual coverage term. The first payment is lower than with a traditional auto insurance policy because of the week-by-week model, and coverage starts immediately.

You can learn more about the coverage on our Insurify Car page.

Best cheap car insurance companies in Missouri

Price matters, but the best Missouri car insurance companies offer low premiums, high-quality customer service, and dependable claims handling to deliver the coverage you need. Below, you can learn more about a few of Missouri’s top auto insurers to begin your search for coverage.

State Farm: Best for cheap full-coverage rates in Missouri

cheap full-coverage rates in Missouri

Compare Quotes

User Reviews	4.1 7,109 reviews
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.	$67/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.	$123/mo

Hide Details

Driver Reviews

4.1

Best choice in MissouriBased on 15,424 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Missouri for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Missouri for

Customer service

Competitive rates

Discounts for safe drivers

Showing 44 reviews from Missouri drivers - See all 7,109 State Farm reviews

Mark

Verified Review

Go higher with State Farm

Reviewed in Missouri on February 21, 2026

If you can afford a higher deductible, you’ll have a lower premium. Better be a good driver though! 😁

Kenneth

Verified Review

State Farm Insurance Experience

Reviewed in Missouri on February 12, 2026

I had a disappointing experience with State Farm. After my wife had two strokes, I took her off the policy. I was told that my premium would decrease, but instead, it increased by $30.00/month. When I filed a claim for flood damage caused by a water softener unit in my home, they categorized it as sewage backup. They also informed me that mold was not covered by the policy. I am now in the process of switching to a different company. I have been with State Farm for almost 60 years, and I feel dissatisfied with their service.

Richard

Verified Review

Excellent

Reviewed in Missouri on February 5, 2026

Very good but like all insurance, expensive.

Previous

1234…15

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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 is one of the cheapest Missouri insurers for full-coverage insurance. Safe driving habits can qualify you for lower rates, and discounts available in Missouri for insuring more than one car or bundling auto and home insurance can further reduce costs.

Available add-ons, such as roadside assistance, car rental reimbursement, and travel expenses coverage, can increase your protection.

Pros

• Many insurance agents available across Missouri

• Mix-and-match bundling discounts

• Excellent J.D. Power customer satisfaction rating in Missouri

Cons

• Accident forgiveness not available

• Must contact an agent to get a quote

• Gap insurance not available

Root: Best for usage-based insurance in Missouri

usage-based insurance in Missouri

Compare Quotes

User Reviews	3.4 502 reviews
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.	7.9 /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.	$82/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.	$165/mo

Show Details

Driver Reviews

3.4

A solid option in MissouriBased on 1,114 verified driver reviews and ratings

How drivers feel about Root

Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Missouri for

Usage-based insurance

Safe drivers

Cheap rates

How drivers feel about Root

Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.

AI-generated from the text of verified reviews collected by Insurify

Best in Missouri for

Usage-based insurance

Safe drivers

Cheap rates

Showing recent national reviews - See all 502 Root reviews

Amanda

Verified Review

Eh

Reviewed in Texas on February 24, 2026

They start out with a really good low rate, then increase by about $100 each renewal period.

Vanessa

Verified Review

The Root of All Problems!

Reviewed in Texas on February 19, 2026

Root's entire platform is built around a mobile app — with no meaningful desktop functionality — and the app itself is difficult to navigate. Simple tasks like adjusting your plan or coverage are unnecessarily cumbersome. Whether this is poor design or intentional friction to discourage customers from making cost-saving changes, the result is the same: a frustrating experience that wastes your time and potentially your money. When I contacted customer service for help, I was redirected back to the app — the very thing that wasn't working for me. That's not support, that's deflection. For users who struggle with small-screen interfaces due to accessibility needs, the app-only design is an even bigger barrier. Insurance should be accessible to everyone, not just those who can easily navigate a mobile-only platform. I won't be returning to Root, and I'd caution others to consider the full user experience — not just the initial quote — before committing.

Jennifer

Verified Review

Bait and switch - look for them to increase your rate after the first year

Reviewed in Georgia on February 18, 2026

After a year of insurance with them with no incidents or claims, they reviewed my older insurance claims and used that to increase my monthly rate by 300%. The last time I had a claim was in 2018. How is that fair?

Previous

1234…25

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.93

A.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).

NR

Why we picked this company

Root uses your smartphone to price your insurance based on your actual driving behavior in Missouri. It starts with a test-drive in which the app collects data for a few weeks, logging things like braking, cornering, and route patterns. Driving data has the biggest influence on your rate, so safer Missouri drivers pay less for coverage.

Pros

• Fast, app-based claims filing

• Roadside assistance available

• Offers SR-22 insurance for Missouri drivers

Cons

• Not all drivers qualify for coverage

• Limited coverage options

• Pricing depends on constant location tracking

Progressive: Best for teen drivers in Missouri

teen drivers in Missouri

Compare Quotes

JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	622
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.	8.7 /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.	$65/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.	$122/mo

Show Details

Driver Reviews

How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Missouri for

Competitive rates

Easy buying process

Telematics program

How drivers feel about Progressive

Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Missouri for

Competitive rates

Easy buying process

Telematics program

Showing 50 reviews from Missouri drivers - See all 8,074 Progressive reviews

Annette

Verified Review

Excellent

Reviewed in Missouri on February 14, 2026

Costs too much.

Kathleen

Verified Review

Communication

Reviewed in Missouri on February 6, 2026

I feel that they need to call their customers once a year to see if there are any changes.

Gail

Verified Review

A Little High

Reviewed in Missouri on February 1, 2026

They are still high for my driving record, but okay.

Previous

1234…17

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

622

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.97

A.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

Progressive is a strong choice for Missouri teens thanks to its built-in savings options. Young drivers can qualify for teen car insurance discounts, including good-student discounts and distant-student savings for college students living away from home without a car. Safe driving habits with the Snapshot program can help offset premiums even more.

Pros

• Multiple available discounts can reduce overall cost

• Strong digital tools and mobile features

• Unique perks like pet injury coverage

Cons

• Poor claims-handling rating from J.D. Power

• Teen discount requires 12 months of continuous coverage

• Snapshot can raise rates for high-risk drivers in Missouri

How car insurance costs in Missouri have changed

Missouri car insurance prices have fluctuated in recent years. In 2024, rates increased by 44% from February to August, reaching a high of $2,406 annually.

Missouri drivers saw some relief in 2025, with average prices dropping by about 6% from January to December. Insurify predicts that car insurance premiums in Missouri will likely increase by 0.7% through the end of 2026.

Average car insurance costs in Missouri over time

Below, you can see how Missouri’s average car insurance costs have varied during the last five years.

Find Cheap Missouri Car Insurance

Liability quotes start at $56/mo.

Enter your ZIP codeGet My Quotes

Excellent

4.7 out of 5 based on 12,168 reviews

Secure. Free. Easy-to-use.

Missouri car insurance requirements

Missouri requires drivers to buy a minimum amount of liability and uninsured motorist coverage. You must keep proof of insurance in your vehicle. If law enforcement pulls you over in Missouri and you can’t produce proof, you may receive a ticket.^[1]

See the specific requirements for Missouri drivers by coverage type below.

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000 per accident
Uninsured motorist bodily injury	$25,000 per person / $50,000 per accident

Car insurance rates across Missouri cities

Average car insurance rates will vary depending on the Missouri city and ZIP code you live in. It’s normal to see different prices across different cities, even though the legal minimum coverage rules are the same statewide. St. Louis drivers pay some of the highest average rates — likely due to the city’s higher vehicle theft rates and population density compared to other Missouri cities.^[2]

The table below highlights average car insurance costs for several Missouri cities.

City	Average Monthly Quote
Columbia	$123
Independence	$148
Jefferson City	$111
Joplin	$115
Kansas City	$161
St. Louis	$201
Springfield	$131

Disclaimer: Table data is based on real-time Missouri quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Car insurance quotes in Missouri for drivers with a clean record: USAA

USAA offers the lowest average auto insurance quote for Missouri drivers with a clean driving record.

Below, you can compare the cheapest rates for drivers with good credit and a clean record in Missouri.

The below rates in Missouri are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote
USAA	$55
State Farm	$66
Progressive	$68
National General	$83
Root	$84
Allstate	$90
Safeco	$93
Bristol West	$96
Direct Auto	$96
GEICO	$100
Dairyland	$101
Clearcover	$106
American Family	$113
The General	$114
GAINSCO	$119
Insurify Car	$138
Insurify Car	$138
Insurify Car	$138
Insurify Car	$138
Shelter	$142
AssuranceAmerica	$147
Nationwide	$153
Liberty Mutual	$158
Travelers	$162
Auto-Owners	$162

Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.

Cheapest car insurance in Missouri for drivers with a speeding ticket: USAA

Driving 6 to 19 mph over the speed limit in Missouri is a Class C misdemeanor, and driving 20 mph or more over the speed limit is a Class B misdemeanor.^[3]

Your car insurance rates can also increase after a speeding ticket. Missouri drivers with a past speeding ticket pay an average of $113 per month for liability insurance. You may find the most affordable coverage from USAA.

The table below lists the cheapest rates for drivers with a speeding ticket in Missouri.

The below rates in Missouri are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote
USAA	$72
Progressive	$81
State Farm	$85
Root	$109
National General	$110
Safeco	$112
Allstate	$117
Bristol West	$122
Direct Auto	$123
GEICO	$129
Clearcover	$131
Dairyland	$131
GAINSCO	$145
American Family	$147
The General	$158
Insurify Car	$167
Insurify Car	$167
Insurify Car	$167
Insurify Car	$167
Liberty Mutual	$188
Shelter	$199
Nationwide	$206
AssuranceAmerica	$207
Travelers	$214
Auto-Owners	$214

Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.

Affordable car insurance in Missouri with an at-fault accident: USAA

Missouri car accidents stay on your record for three years, but not every insurer prices crash risk the same way.^[4] 

Missouri drivers with an at-fault accident pay a monthly average of $121 for liability policies.

The table below highlights the cheapest rates for drivers with an at-fault accident in Missouri.

The below rates in Missouri are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote
USAA	$76
Progressive	$87
State Farm	$89
Root	$110
National General	$118
Safeco	$120
Allstate	$121
Bristol West	$129
GEICO	$130
Direct Auto	$135
Dairyland	$140
Clearcover	$148
American Family	$153
GAINSCO	$157
The General	$164
Insurify Car	$179
Insurify Car	$179
Insurify Car	$179
Insurify Car	$179
Liberty Mutual	$199
Shelter	$204
Nationwide	$215
Auto-Owners	$218
AssuranceAmerica	$219
Travelers	$223

Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes for Missouri drivers with a DUI: USAA

Driving under the influence in Missouri can result in a 90-day suspension of your driver’s license.^[5] You may need to get SR-22 insurance and complete a Substance Awareness Traffic Offender Program (SATOP) to get your license back.^[6] Having a DUI on your record can significantly increase your premiums, but USAA offers the lowest rates for Missouri drivers with a DUI.

Check the table below for the cheapest rates for drivers with a DUI in Missouri.

The below rates in Missouri are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote
USAA	$79
Progressive	$88
State Farm	$95
Root	$117
National General	$124
Allstate	$127
Safeco	$129
Bristol West	$137
Direct Auto	$138
GEICO	$139
Clearcover	$143
Dairyland	$148
American Family	$160
The General	$167
GAINSCO	$172
Insurify Car	$181
Insurify Car	$181
Insurify Car	$181
Insurify Car	$181
Liberty Mutual	$209
Shelter	$213
Nationwide	$224
AssuranceAmerica	$230
Auto-Owners	$232
Travelers	$233

Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an SR-22 in Missouri: USAA

Missouri requires drivers to file an SR-22 for several violations, including careless driving, DUI, and driving without car insurance. An SR-22 is a form your insurer files with the state to prove you have minimum auto coverage. Drivers need to maintain an SR-22 filing for two to three years, depending on the offense.

An SR-22 filing indicates to insurers that you’re a higher risk to insure, which can increase car insurance rates. That said, USAA offers the cheapest average premiums for Missouri drivers with an SR-22.

Below, you’ll find a table listing the cheapest rates for drivers with an SR-22 in Missouri.

The below rates in Missouri are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote
USAA	$69
Progressive	$80
State Farm	$82
Root	$101
Safeco	$104
National General	$108
Allstate	$110
Bristol West	$119
Direct Auto	$120
GEICO	$121
Clearcover	$124
Dairyland	$129
American Family	$139
The General	$145
GAINSCO	$150
Insurify Car	$163
Insurify Car	$163
Insurify Car	$163
Insurify Car	$163
Liberty Mutual	$181
Shelter	$184
Nationwide	$195
AssuranceAmerica	$200
Auto-Owners	$201
Travelers	$202

Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.

Find Auto Coverage in Missouri

Insurify partners with 120+ insurers for real quotes

Enter your ZIP codeGet My Quotes

Excellent

4.7 out of 5 based on 12,168 reviews

Secure. Free. Easy-to-use.

Cheapest car insurance for teen drivers in Missouri: USAA

Young drivers pay some of the most expensive average premiums by age group in Missouri — especially teens completing the state’s three-step graduated licensing program.^[7] 

Missouri teens can obtain an instruction permit when they’re 15, an intermediate license at 16, and a full driver’s license at 18. Missouri teens must have had the permit for at least 182 days and complete 40 hours of driving instruction before being eligible for the intermediate license.

Missouri teen drivers pay an average of $166 per month for liability insurance.

The table below shows the cheapest rates for teen drivers in Missouri.

The below rates in Missouri are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote
USAA	$105
Progressive	$120
State Farm	$131
Root	$143
Clearcover	$167
Safeco	$173
Bristol West	$175
GEICO	$179
Allstate	$179
Dairyland	$179
National General	$180
Direct Auto	$190
The General	$209
American Family	$216
GAINSCO	$225
Insurify Car	$245
Insurify Car	$245
Insurify Car	$245
Insurify Car	$245
Liberty Mutual	$263
Shelter	$300
Nationwide	$313
Auto-Owners	$332
AssuranceAmerica	$341
Travelers	$345

Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.

Cheap car insurance quotes in Missouri for senior drivers: USAA

Seniors make up an estimated 24% of Missouri drivers.^[8] Having more experience driving on Missouri’s roads will typically result in lower insurance rates for you in your 60s. In Missouri, senior drivers pay $75 per month, on average, for liability insurance.

The table below shows average rates from Missouri auto insurers for senior drivers.

The below rates in Missouri are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote
USAA	$45
State Farm	$52
Progressive	$54
Root	$68
National General	$68
Allstate	$72
Safeco	$73
GEICO	$77
Direct Auto	$78
Bristol West	$79
Clearcover	$87
Dairyland	$88
American Family	$89
The General	$98
GAINSCO	$102
Shelter	$105
Insurify Car	$111
Insurify Car	$111
Insurify Car	$111
Insurify Car	$111
Nationwide	$120
Liberty Mutual	$122
AssuranceAmerica	$125
Auto-Owners	$128
Travelers	$130

Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.

Missouri car insurance quotes with bad credit: USAA

Missouri insurance companies can consider your credit history when setting your rate, and many insurers do.^[9] Having a poor credit history can result in higher premiums. USAA offers the cheapest car insurance pricing for Missouri drivers with poor credit.

The table below shows the cheapest rates for drivers with bad credit in Missouri.

The below rates in Missouri are estimated rates current as of: Wednesday, February 25 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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	Average Monthly Quote
USAA	$68
Progressive	$81
State Farm	$96
Root	$101
Safeco	$105
National General	$108
Allstate	$111
Bristol West	$119
Direct Auto	$120
GEICO	$122
Clearcover	$124
Dairyland	$129
American Family	$135
The General	$145
GAINSCO	$150
Insurify Car	$166
Insurify Car	$166
Insurify Car	$166
Insurify Car	$166
Liberty Mutual	$177
Shelter	$184
Nationwide	$195
AssuranceAmerica	$200
Travelers	$203
Auto-Owners	$244

Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.

Shop for Missouri Car Insurance

Compare quotes from real insurers in minutes

Enter your ZIP codeView My Quotes

Excellent

4.7 out of 5 based on 12,168 reviews

Secure. Free. Easy-to-use.

Missouri car insurance FAQs