Cheap Auto Insurance in Missouri (2023)

Drivers in Missouri pay an average of $288 per month for car insurance coverage. Compared to other states, the amount isn’t overly high or low — it falls somewhere in the middle, coming in at number 31. It’s 58% cheaper to buy auto insurance coverage in Missouri compared to the most expensive state (New York) and 2.3 times more costly than the cheapest state (New Hampshire) to insure a vehicle.

Best cheap car insurance in Missouri: USAA

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USAA

Best Cheap Car Insurance Missouri

USAA and State Farm top the list as the cheapest car insurance providers in Missouri, with average rates falling below $100. Travelers is another excellent option, with average rates at $127. Allstate and GEICO offer affordable coverage under $150 per month for Missouri motorists. As you can see, the Show-Me State has excellent rates for drivers looking to save on auto insurance.

Learn More: Best Car Insurance Companies

Minimum car insurance requirements in Missouri

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 be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Missouri are:1

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Missouri is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.2  

• $10,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident. 

• $25,000 per person for uninsured/underinsured motorists

• $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Missouri, this coverage is required for bodily injuries. 

Missouri DMV information

The Missouri DMV is run through the Department of Revenue.3 Drivers can find helpful information and services at DMVs throughout the state. But many locations have different hours, so check availability before you visit. 

You can also access services online. From the website, you can personalize, reserve, and renew license plates, renew your drivers license, find a safety inspection station, and pay license reinstatement fees.4 

Public transportation in Missouri

St. Louis, Kansas City, and other urban metros in Missouri have robust public transportation networks, along with regional transit systems in several areas of the state. However, the state’s 48 largest cities have a Walk Score of 30.5 With a score that low, getting around without a car in Missouri is difficult. Most errands will require access to a vehicle.

Tips for getting cheap car insurance in Missouri

Car insurance is a necessary cost when you own a vehicle, but shopping around can help you save money. Several quote-comparison websites let you compare car insurance from multiple insurers at once. When you check rates from several car insurance companies, you can quickly find the best policy at a price that fits your budget and ensure you’re getting the best deal available.

Liability-only vs. full-coverage insurance in Missouri

If you live in Missouri, you can opt to carry liability-only auto insurance, which pays for expenses related to injuries and damage to the other party’s car if you cause an accident. Each state sets its own minimums for how much liability insurance it requires drivers to carry. Liability-only insurance can make sense if:

• You have a low-value vehicle.

• You can afford to repair or replace your car out of your own pocket.

• Getting the cheapest insurance possible is your top priority.

In Missouri, state minimum liability insurance also includes uninsured motorist coverage, which kicks in when you get into an accident with a driver who either doesn’t have insurance, or doesn’t have enough insurance to cover the damages they’ve caused.

For a higher level of protection, you can choose full-coverage insurance, which includes basic liability plus collision and comprehensive coverage. Collision coverage pays for damages to your car, even if you’re at fault for an accident. Comprehensive coverage pays for damages caused by events out of your control, like vandalism, theft, weather, and damage caused by animals. Auto lenders and leasing companies typically require drivers to carry full coverage on a car they’ve financed.

You may also opt for full coverage if:

• You have a high-value vehicle.

• You wouldn’t be able to afford to repair or replace your car out of pocket.

• Your car’s actual cash value (the payout you’d likely get if your car is totaled) exceeds your annual premium to carry full coverage.

Here’s a look at the average monthly quotes for the cheapest auto insurance in Missouri by policy type.

How your driving history affects Missouri car insurance rates

Driving history is a crucial factor when it comes to car insurance costs. The more accidents or violations you have, the more likely the insurance company will consider you a higher-risk driver. High-risk drivers pay more for premiums. But good driving habits, such as following traffic laws and having no accidents or violations on your record, can help lower your car insurance rates. 

Check out the table below for an idea of how much Missouri drivers can expect to pay for car insurance based on their driving record. These quotes are sourced from Insurify’s database of more than 70 million car insurance quotes, as well as third-party datasets from Quadrant Information Services.

See More: High-Risk Car Insurance Missouri

SR-22 insurance in Missouri

An SR-22 is an insurance form you can get from your insurance company. It offers proof that you’re carrying the required liability insurance for your vehicle.6 The state could require it for two to three years if your license was suspended.7 

To find SR-22 insurance in Missouri, look to Allstate, GEICO, Progressive, State Farm, and USAA for cheap coverage options.

How credit scores affect Missouri car insurance quotes

Car insurance companies in Missouri consider your personal credit history when deciding whether to issue you auto insurance and how much to charge. A low score could cost you — insurers often charge more or deny coverage altogether for drivers with poor credit. If you have an average score or higher, your credit score could qualify you for lower rates. 

The table below shows the average monthly quote offered to Missouri drivers based on their credit score. This data is provided through Insurify’s proprietary database of more than 70 million car insurance quotes.

See More: Bad Credit Car Insurance Missouri

How your city affects Missouri insurance quotes

Your car insurance costs change based on your vehicle, driving record, and location. Car insurance costs in Missouri can vary from city to city. In Wildwood, a suburb of St. Louis, drivers enjoy some of the cheapest rates in the state, with an average cost of $183. However, 30 miles east in the city of St. Louis, you’ll see average rates of $295, which is the most expensive.

How your age affects your Missouri car insurance rates

Insurers typically use your age as an indication of how much on-road experience you have. As you get older and accrue more driving experience, you become less risky to insure and rates tend to decrease. 

Teen drivers in Missouri pay nearly twice as much for car insurance compared to drivers in their 20s, while drivers between the ages of 50 and 80 see the lowest average car insurance rates in the state. The table below can give you an idea of how much each age group pays for car insurance in Missouri.

Quotes for younger drivers

Young drivers, especially those under the age of 25, have the least amount of experience on the road and are considered more risky to insure than other age groups. As such, insurers tend to charge young drivers higher rates. In the table below, you can get an idea of how much insurers charge young Missouri drivers for car insurance, based on their driving record and the type of policy they purchase. 

Quotes for middle-aged drivers

Drivers in Missouri can expect to pay cheaper rates as they get older and have a proven driving record. National insurers such as Travelers, Progressive, and Liberty Mutual tend to have the cheapest rates for middle-aged drivers in Missouri, while regional insurers like Foremost and Safeco also provide affordable rates. 

Take a look at the table below for the cheapest insurers for middle-aged drivers in Missouri, based on their driving record and policy preferences. The quotes provided below are sourced from Insurify’s proprietary database. 

Quotes for senior drivers

Senior drivers tend to pay the cheapest car insurance rates of all age groups because of their safer driving behaviors and better credit scores — factors that make them less risky to insure in the eyes of insurance companies. 

The table below can give you an idea of how much senior drivers in Missouri pay for car insurance based on the company they choose, their preferred policy, and their driving record. The quotes are sourced from Insurify’s proprietary database of more than 70 million car insurance quotes.

Missouri car insurance FAQs

Insurify Insights

How Missouri Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Missouri below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Missouri drivers measure up to their fellow motorists across the United States in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

Ford F-Series Pickup

Most Popular Car in Missouri

#19

State with the Most Speeding Tickets Rank

#20

State with the Moving Violations Rank

#21

State with the Most DUIs Rank

#19

State with the most Suspended Licenses

• Accidents in 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. Missouri is the #24 state in the country for drivers with an at-fault accident on their driving record.

  • Rank among states: #24
  • Percent of drivers in Missouri with an accident: 8.7%
• DUIs in Missouri

  While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Missouri is the #21 state in the country for drivers with a prior drunk driving conviction.

  • Rank among states: #21
  • Percent of drivers in Missouri with a DUI: 1.6%
• Reckless Driving in 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. Missouri is the #31 state in the country for drivers with a reckless driving offense on record.

  • Rank among states: #31
  • Percent of drivers in Missouri with a reckless driving offense: 1.1%
• Rude Driving in Missouri

  The Insurify team classifies rude drivers as those who commit one or more of the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-run. Missouri is the #32 state in the country for drivers with a rude driving violation on record.

  • Rank among states: #32
  • Percent of drivers in Missouri with a rude driving violation: 1.3%
• Speeding in Missouri

  Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Missouri is the #19 state in the country for drivers with a speeding ticket on record.

  • Rank among states: #19
  • Percent of drivers in Missouri with a speeding ticket: 9.5%
• Failure to Yield Rates in Missouri

  Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Missouri is the #43 state in the country for drivers with a failure to yield violation on record.

  • Rank among states: #43
  • Percent of drivers in Missouri with a failure to yield violation: 0.1%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.