Cheapest Auto Insurance in Missouri (2024)

USAA offers the cheapest liability car insurance in Missouri, at $29 per month.

Jessica Martel
Written byJessica Martel
Jessica Martel
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.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny 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.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 March 1, 2024 at 11:00 AM PST

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Looking for car insurance in the Show-Me State? On average, Missouri drivers can expect to pay $163 per month, close to the national average of $156.

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 $93 per month for liability coverage and $233 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
USAA4.5$57$29Military members, veterans, and their families
State Farm4.5$67$35Teen drivers
Allstate4.5$57$29Discounts
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.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for military members, veterans, and their families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
879
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.
$57/mo

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

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
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.
$67/mo

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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for discounts: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816
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.
$91/mo

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

Our agent was always available for questions and concerns.

Lyn - December 4, 2023
Verified

Prices keep going up.

Gilberto - December 2, 2023
Verified

They are overcharging me for basic insurance.

Brian - November 29, 2023
Verified
Read our Allstate review

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

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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 $93 per month. The following table shows some of the insurance companies offering the cheapest liability-only car insurance in Missouri.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
USAA29
State Farm35
Allstate47
GEICO51
Safeco56
American Family59
Clearcover65
Progressive71
State Auto76
Shelter78
Nationwide82
Auto-Owners85
Travelers86
Liberty Mutual90
Midvale Home & Auto92
Dairyland93
Direct Auto96
GAINSCO96
The General107
AssuranceAmerica109
Bristol West132
Foremost146
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 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 $233 per month in Missouri. Check out the table below for the cheapest full-coverage car insurance companies in Missouri.

The below rates are estimated rates current as of: Friday, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyAverage Monthly Quote
USAA57
State Farm67
Allstate91
GEICO99
American Family113
Safeco123
Clearcover126
Progressive137
Travelers141
Nationwide144
Shelter150
Auto-Owners164
Midvale Home & Auto172
Direct Auto182
State Auto200
Liberty Mutual205
AssuranceAmerica214
GAINSCO226
The General258
Foremost279
Dairyland280
Bristol West373
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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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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

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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 $333 per month for full coverage and $133 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, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith Speeding Ticket
USAA2937
State Farm3544
Allstate4760
GEICO5166
Safeco5678
American Family5977
Clearcover6590
Progressive7195
State Auto76102
Shelter78110
Nationwide82107
Auto-Owners85113
Travelers86113
Liberty Mutual90125
Dairyland93124
Direct Auto96129
GAINSCO96121
The General107142
AssuranceAmerica109151
Bristol West132173
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 $341 per month for full-coverage car insurance and $136 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, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith Accident
USAA2939
State Farm3547
Allstate4763
GEICO5169
Safeco5683
American Family5980
Clearcover65105
Progressive71100
State Auto76111
Shelter78115
Nationwide82111
Auto-Owners85116
Travelers86117
Liberty Mutual90130
Dairyland93128
Direct Auto96135
GAINSCO96127
The General107149
AssuranceAmerica109155
Bristol West132177
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 $388 per month for full coverage and $155 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, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyClean Driving RecordWith DUI
USAA2947
State Farm3556
Allstate4776
GEICO5182
Safeco5690
American Family5995
Clearcover65105
Progressive71114
State Auto76122
Shelter78116
Nationwide82132
Auto-Owners85137
Travelers86138
Liberty Mutual90145
Dairyland93150
Direct Auto96154
GAINSCO96154
The General107172
AssuranceAmerica109175
Bristol West132212
Foremost146235
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 $152 for full coverage and $61 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, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
USAA2141
State Farm2446
Allstate3466
GEICO3670
American Family4179
Safeco4394
Progressive4688
Shelter5096
Nationwide5597
Clearcover55106
Auto-Owners60116
Travelers61100
Direct Auto66126
Liberty Mutual66150
Dairyland68204
GAINSCO70166
AssuranceAmerica75147
The General80193
Bristol West95268
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 $432 per month for full-coverage car insurance and $172 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, March 1 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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 CompanyLiability OnlyFull Coverage
USAA4996
State Farm61117
GEICO82160
Allstate84163
American Family102196
Safeco102225
Clearcover119230
Progressive129249
Shelter136262
State Auto139365
Nationwide143251
Auto-Owners145280
Dairyland154464
Liberty Mutual156355
Travelers158259
The General175421
GAINSCO176415
Direct Auto178338
AssuranceAmerica210413
Bristol West224633
Foremost267510
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.

Find Car Insurance in Missouri

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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 $163 per month. Missouri drivers pay $93 per month for liability coverage and $233 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 Insurify Quality (IQ) Score of 4.4 out of 5, 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 $67 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. J.D. Power. "2023 U.S. Auto Claims Satisfaction Study." Accessed January 17, 2024
  2. Save on Auto Insurance. "Free Car Insurance Quote." Accessed January 17, 2024
  3. Missouri Department of Revenue. "Missouri Driver Guide." Accessed January 17, 2024
  4. III. "Senior driving safety and insurance tips." Accessed January 17, 2024
  5. Missouri Department of Insurance, Financial Institutions & Professional Registration. "Auto Credit Scoring." Accessed January 17, 2024
  6. III. "Background on: Insurance scoring." Accessed January 17, 2024
Jessica Martel
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.

Danny Smith
Edited byDanny Smith
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Danny 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.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
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Konstantin HalachevVice President of Engineering
  • 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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