Cheap Auto Insurance Quotes in Missouri (November 2021)

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Save big on car insurance in Missouri

From St. Louis to Kansas City, the iconic Interstate-70 cuts directly through Missouri. Over 30,000 vehicles pass along this road every day. With all those cars, it’s essential to have an auto insurance policy that best fits you and your lifestyle. Compare the cheapest and best quotes in the Show Me State.

 

Cheapest Car Insurance in Missouri

Here are the cheapest carriers in Missouri for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates for the twenty most populous cities in Missouri.

Best Car Insurance in Missouri

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Missouri. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Missouri

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Missouri to find you the cheapest quotes in each of these metropolitan areas.

St. Louis is Missouri's most populous city. One of its suburbs, St. Ann, was recently crowned the safest driving community in the entire state by Insurify.

Quotes by Top Carriers
Quotes ($/mo)
$82
$122
$136
$144
$215
$326
Direct AutoState FarmProgressiveTravelersAmerican FamilyThe General
Monthly $
CityCheapest Carrier
Direct AutoDirect Auto
$82/mo
AllstateAllstate
$68/mo
Direct AutoDirect Auto
$68/mo
Direct AutoDirect Auto
$57/mo
Direct AutoDirect Auto
$59/mo
Direct AutoDirect Auto
$68/mo
Progressive
$76/mo
Progressive
$57/mo
Progressive
$66/mo
Direct AutoDirect Auto
$52/mo
Progressive
$57/mo
Progressive
$57/mo
ClearcoverClearcover
$93/mo
ClearcoverClearcover
$93/mo
ClearcoverClearcover
$114/mo
ClearcoverClearcover
$95/mo
ClearcoverClearcover
$145/mo
ClearcoverClearcover
$101/mo

Cheapest Liability Auto Insurance in Missouri

For drivers in Missouri, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Missouri. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Missouri.

Cheapest Full Coverage Auto Insurance in Missouri

For drivers in Missouri, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Missouri. The following are the best insurance rates from carriers that offer full coverage auto insurance in Missouri.

Missouri Driving Facts

missouri

Minimum Car Insurance Requirements in MO

All motor vehicles operated or parked on Missouri roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Missouri state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Missouri law.

  • $10,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Missouri is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage are required in Missouri. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Missouri, the legally required level of Uninsured Motorist coverage is:

  • $25,000 per person/$50,000 per accident for Bodily Injury  

Cheapest Car Insurance Quotes in Missouri by Profile

Here are the cheapest insurance companies in Missouri based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Missouri drivers with a clean driving record free of any moving violations, auto insurance rates may be significantly lower. Direct Auto offers the best options for good drivers in Missouri, at $52 a month. With both cheaper premiums and additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Insurance Company
Direct Auto
$52/mo
Progressive
$54/mo
Allstate
$61/mo
State Farm
$74/mo
GEICO
$83/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
Insurance Company
Cameron Mutual Group
$36/mo
Farm Bureau Financial
$40/mo
USAA
$40/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
Insurance Company
USAA
$28/mo
Farm Bureau Financial
$31/mo
Cameron Mutual Group
$36/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
Insurance Company
USAA
$24/mo
Farm Bureau Financial
$28/mo
Cameron Mutual Group
$36/mo

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Missouri, you will likely pay more for auto insurance coverage than the average driver. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. USAA offers the cheapest car insurance rates for young drivers, averaging $18 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. Unlike most states, Missouri 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Missourians lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
USAA
$18/mo
Farm Bureau Financial
$28/mo
Progressive
$35/mo
State Farm
$35/mo
GEICO
$41/mo

SR‌-22 Insurance in Missouri

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Missouri on your behalf.

MO DMV Information

The Missouri Department of Motor Vehicles Missouri Department of Motor Vehicles, run by the Department of Revenue, has outposts all around the state. 

At the DMV, Missouri residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. To save time, the DMV allows individuals to make appointments ahead of their visit for road tests. For the shortest wait times, avoid planning your visit on Mondays and Fridays, or during lunch hours.

Regardless of where you live in the Copper State, a DMV shouldn’t be too far. Missouri residents may be able to skip their visit to the DMV altogether and get what they need through their online portal. Visitors may also utilize the services provided by the Missouri Department of Insurance while visiting their local DMV.

Insurify Insights: How Missouri Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Missouri drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Missouri

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Missouri drivers rank 29 in the number of car accidents per driver.

  • Rank of States: #29
  • Percent of drivers in Missouri with an accident: 9.79%
  • Drivers in MO with an accident in their driving history paid on average 45.89% more than drivers with a clean record

Speeding Missouri

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Missouri drivers rank 28 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #28
  • Percent of drivers in Missouri with a speeding ticket: 10.11%
  • Drivers in MO with a speeding ticket in their driving history paid on average 34.78% more than drivers with a clean record

DUI/DWIs Missouri

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Missouri drivers rank 19 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #19
  • Percent of drivers in Missouri with a DUI: 2.21%
  • Drivers in MO with a DUI in their driving history paid on average 10.63% more than drivers with a clean record

Most Popular Vehicle Missouri

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Missouri is the Ford F-Series Pickup.

Rude Missouri

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Missouri drivers rank 16 in rude driving infractions.

  • Rank of States: #16
  • Percent of drivers in Missouri with a reckless driving violation: 1.93%
  • Drivers in MO with a reckless driving violation in their driving history paid on average 40.58% more than drivers with a clean record.

Safest Drivers Missouri

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Missouri drivers rank 24 in clean driving records across all fifty states.

  • Rank of States: #24
  • Percent of drivers in Missouri with clean record: 80.4%

Street Racing Missouri

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Missouri drivers rank 34 in street racing violations per driver.

  • Rank of States: #34
  • Percent of drivers in Missouri with a street racing violation: --%

Failure to Yield the Right of Way Missouri

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Missouri drivers rank 19 in failure to yield violations per driver across all fifty states.

  • Rank of States: #19
  • Percent of drivers in Missouri with a failure to yield violation: 0.43%
  • Drivers in MO with a failure to yield violation in their driving history paid on average 41.06% more than drivers with a clean record

Reckless Drivers Missouri

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Missouri drivers rank 48 in the number of reckless driving offenses per driver.

  • Rank of States: #48
  • Percent of drivers in Missouri with a reckless driving offense: 0.03%

Hybrid/Electric Vehicle Ownership Missouri

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Missouri drivers rank 28 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #28
  • Percent of drivers in Missouri with a hybrid/electric vehicle: 0.77%

Greenest Cities in Missouri

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Missouri offers many green driver incentives, including federal tax credits and discounts through some car insurance carriers.

Greenes Cities

Chesterfield

Greenes Cities
% of Hybrids / Electrics
3%
Most Patriotic City

Most Patriotic City

Springfield

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

St. Charles won Insurify's Most Patriotic Cities Award for the state of Missouri. St. Charles is the site where Lewis and Clark met to begin their westward trek.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Missouri is vital for all car insurance shoppers hitting the road in The Show Me State.

road with cars illustration

Road Rankings

21%Rural Roads in
Poor Condition

#8
Ranked

14%Structurally Deficient
Rural Bridges

#6
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#21
Ranked


FAQs - Missouri Car Insurance

Can my friend borrow my vehicle if I have car insurance in Missouri?

Yes. Can my babysitter use my car to drive my kids to practice? Can I lend my car to an out-of-town guest? What happens if someone else gets into an accident while driving my car — is the damage covered? Car insurance follows the car, not the driver. This means that your comprehensive and collision coverage protects your car regardless of who’s driving. This may result in increased premiums following an accident.

What happens if I get caught driving uninsured in Missouri?

You should never drive a vehicle if you’re uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability and uninsured motorist insurance in Missouri may result in a $300 fine, 15 days in jail and/or four points on your driving record. Plus, your license or driving privileges may be suspended if you do not meet the minimum requirements mandated by state law and will be required to apply for SR-22 insurance. Uninsured drivers pose dangers to themselves and those around them.

Who has the cheapest car insurance in Missouri?

The best way to get the cheapest car insurance in Missouri and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.


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