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Cheap Car Insurance in Missouri (With Quotes, May 2022)
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4.8out of 3,000+ reviews
Edited by Jackie Cohen
Last Updated May 10, 2022
Gateway to the where? Most Missourians are just driving to work—or if they’re lucky, a baseball game or fishing. Drivers know that Missouri car insurance is relatively expensive: according to Insurify, average rates are $274 per month, significantly more than the national average.So for Missouri drivers, finding a cheap car insurance policy is of the utmost importance.
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The average cost of car insurance in Missouri is $274 per month. However, keep in mind that what you pay for car insurance will depend on your age, gender, driving record, credit score, and other factors in your unique driving profile.
Auto insurance is a highly competitive marketplace, and no two insurance companies are the same. Finding the best rates for your family is about getting car insurance quotes from all the insurance providers you can. In the state of Missouri, these insurance companies offer the lowest average rates across the board, according to Insurify:
Car Insurance Company | Average Monthly Quote |
---|---|
Travelers | $133 |
Clearcover | $133 |
Progressive | $145 |
Kemper Preferred | $154 |
Safeco | $159 |
Acuity | $161 |
State Auto | $194 |
GAINSCO | $195 |
Midvale Home & Auto | $204 |
Dairyland | $210 |
Liberty Mutual | $210 |
Stillwater | $210 |
Nationwide | $230 |
Kemper | $232 |
Kemper Specialty | $246 |
AssuranceAmerica | $262 |
Bristol West | $302 |
The General | $343 |
See More: Car Insurance Quotes
The state minimum Missouri auto insurance only covers property damage liability and bodily injury liability that you cause to other drivers in an at-fault accident. These minimum requirements protect you financially, but they don’t protect your own car or medical expenses. But if minimum coverage is all you need, these auto insurance companies have the best rates:
Car Insurance Company | Average Monthly Quote |
---|---|
Acuity | $86 |
Travelers | $87 |
Kemper Preferred | $90 |
State Auto | $90 |
Safeco | $90 |
Progressive | $97 |
Clearcover | $102 |
Stillwater | $111 |
Kemper | $127 |
Midvale Home & Auto | $135 |
Dairyland | $135 |
Liberty Mutual | $138 |
Kemper Specialty | $141 |
GAINSCO | $151 |
Bristol West | $184 |
AssuranceAmerica | $195 |
Nationwide | $232 |
The General | $237 |
Full-coverage car insurance is not the cheapest insurance coverage, but it goes far beyond liability coverage. With collision coverage, regardless of fault—or what you collide with—your bodily injury and property damage is protected, and comprehensive coverage insures your car against many perils. These providers have cheap full coverage quotes:
Car Insurance Company | Average Monthly Quote |
---|---|
Travelers | $146 |
Clearcover | $155 |
Kemper Preferred | $164 |
Acuity | $165 |
Safeco | $178 |
Progressive | $185 |
Stillwater | $219 |
State Auto | $224 |
Midvale Home & Auto | $225 |
Nationwide | $231 |
GAINSCO | $243 |
Liberty Mutual | $259 |
Dairyland | $282 |
Kemper | $316 |
AssuranceAmerica | $329 |
Kemper Specialty | $338 |
Bristol West | $390 |
The General | $438 |
Even if you find the cheapest rates with one provider, you still want to be sure your insurance policy is coming from a reputable insurance company. The companies in this table offer Missouri car insurance that achieves high scores not only for being cheap car insurance but also for customer satisfaction and financial stability—important when weighing your insurance options.
Car Insurance Company | ICS | Average Monthly Quote |
---|---|---|
Clearcover | 97 | $133 |
Nationwide | 89 | $230 |
Safeco | 86 | $159 |
Liberty Mutual | 82 | $210 |
Travelers | 80 | $133 |
State Auto | 76 | $194 |
See More: Best Car Insurance Companies
The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect 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 and customer complaints; mobile app reviews; and user-generated company reviews.
Along with credit score and marital status, your driving history is one of the most important criteria unique to you that car insurance companies will use to set your rate. A DUI, speeding ticket or at-fault accident will get you flagged as high-risk, and you will probably get car insurance quotes with higher rates. But how high depends on the insurance company.
See More: High-Risk Car Insurance Missouri
If in the last five years, you don’t have any serious violations—like speeding tickets, DUIs, or car accidents—on your driving record, you’ll be in line for the cheapest car insurance in Missouri. These car insurance companies in particular have affordable car insurance for Missouri drivers with clean driving records:
Car Insurance Company | Average Monthly Quote |
---|---|
Clearcover | $123 |
Travelers | $126 |
Progressive | $141 |
Acuity | $142 |
Safeco | $146 |
Kemper Preferred | $148 |
State Auto | $167 |
Midvale Home & Auto | $178 |
GAINSCO | $189 |
Stillwater | $196 |
Dairyland | $197 |
Liberty Mutual | $200 |
Kemper | $208 |
Nationwide | $213 |
Kemper Specialty | $222 |
AssuranceAmerica | $237 |
Bristol West | $272 |
The General | $296 |
If you have a DUI, you likely regret it for a lot of reasons. And one of them is probably the high car insurance rates you get with a DUI on your record. While this generally holds true, some auto insurance companies specialize in providing the cheapest auto insurance to drivers with DUIs. Start with these car insurance quotes for DUI Missouri drivers:
Car Insurance Company | Average Monthly Quote |
---|---|
Stillwater | $112 |
Kemper Preferred | $134 |
Clearcover | $135 |
GAINSCO | $147 |
Travelers | $148 |
Progressive | $157 |
Liberty Mutual | $175 |
Dairyland | $184 |
Acuity | $199 |
State Auto | $208 |
Safeco | $210 |
Kemper | $213 |
AssuranceAmerica | $230 |
Kemper Specialty | $243 |
Midvale Home & Auto | $252 |
Nationwide | $287 |
Bristol West | $314 |
The General | $337 |
See More: SR-22 Insurance Missouri
Has the Missouri DMV taken away your driver’s license because of a DUI or other violation? If so, you might need an SR-22 policy in order to get it back. The insurance company handles the filing process, but since you’re going to be labeled high-risk, your insurance rates could be high. These car insurance companies provide SR-22 insurance in Missouri at reasonable rates.
If there’s an accident on your driving record, you’ll need to put in some extra effort to get the cheapest car insurance available to you. Companies like Progressive make a point of providing forgiving insurance premiums to first-time accidents. Here are some other Missouri auto insurance companies that have good car insurance quotes for drivers with accidents.
Car Insurance Company | Average Monthly Quote |
---|---|
Travelers | $148 |
Progressive | $156 |
Kemper Preferred | $173 |
Clearcover | $189 |
Safeco | $201 |
GAINSCO | $222 |
Liberty Mutual | $255 |
Dairyland | $265 |
Acuity | $269 |
Nationwide | $285 |
State Auto | $285 |
Midvale Home & Auto | $289 |
Kemper | $320 |
Stillwater | $327 |
Kemper Specialty | $355 |
AssuranceAmerica | $360 |
Bristol West | $411 |
The General | $540 |
What’s more frustrating than a speeding ticket? The high auto insurance rates that you get afterward, that’s what! But pay close attention to the companies in this table. Some of the best car insurance companies can be lenient when it comes to minor violations like speeding tickets. Here are some relevant car insurance quotes:
Car Insurance Company | Average Monthly Quote |
---|---|
Progressive | $151 |
Travelers | $157 |
Clearcover | $166 |
Kemper Preferred | $169 |
Safeco | $204 |
GAINSCO | $207 |
Acuity | $214 |
Stillwater | $216 |
Liberty Mutual | $237 |
Dairyland | $237 |
State Auto | $263 |
Midvale Home & Auto | $273 |
Kemper | $285 |
Nationwide | $296 |
Kemper Specialty | $305 |
AssuranceAmerica | $338 |
Bristol West | $367 |
The General | $459 |
An amazing credit score can benefit you in subtle ways, and one way is having access to some of the cheapest car insurance money can buy. Cha-ching! But in Missouri, you don’t have to hang your head if you have poor credit. There are still many different ways to find a cheap auto insurance policy.
Credit Tier | Average Monthly Quote |
---|---|
Excellent | $222 |
Good | $237 |
Average | $276 |
Poor | $343 |
See More: Bad Credit Car Insurance Missouri
Between Missouri’s metropolises, forests, and windswept plains, it’s no surprise that St. Louis and Kansas City drivers have more accident-prone commutes and pay higher auto insurance rates as a result. Some smaller cities, like St. Joseph and Jefferson City, have some of the cheapest car insurance in the state.
City | Average Monthly Quote |
---|---|
Saint Louis | $333 |
Kansas City | $264 |
Springfield | $195 |
Independence | $228 |
Florissant | $345 |
Columbia | $208 |
Saint Joseph | $178 |
Joplin | $188 |
Saint Charles | $225 |
Lee's Summit | $236 |
Cape Girardeau | $202 |
Jefferson City | $187 |
They say age is just a number. Well, your auto insurance premium is just a number too, and the birthdate on your driver’s license affects it. Teen drivers in Missouri pay very high rates, and for young drivers, especially 25-year-olds and younger, affordable auto insurance is very hard to find. But thankfully, it gets much better as the years go on.
Age Group | Average Monthly Rate |
---|---|
Teenagers | $490 |
Under 25 | $389 |
20s | $292 |
30s | $216 |
40s | $210 |
50s | $191 |
60s | $177 |
70s | $183 |
80+ | $201 |
Every state has minimum insurance requirements, and Missouri is no exception. Additionally, all drivers in Missouri will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Missouri.
The minimum liability car insurance requirements for private passenger vehicles in Missouri are as follows:
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.
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:
The Missouri DMV is run through the Department of Revenue and services Missouri drivers with driver’s licenses and testing, vehicle registration and titles, and information about insurance requirements and SR-22s.
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. These systems make it easier for citizens without a car or a driver’s license to get around the state.
You don’t have to opt for minimum coverage just to get the cheapest car insurance policy on the market. You deserve the best rates and the best coverage! With Insurify, you can access free quotes, tailored to your needs, from the best car insurance companies in Missouri. Then, you’ll be ready to make your choice.
Looking into all your insurance options is the quickest path to the cheapest car insurance policy for you and your family. That means comparing quotes from the best insurance companies you can find.
Average rates in Missouri are over the national average, at around $274 per month. Your deductible, coverage limits, and whether you opt for only liability insurance or a full-coverage car insurance policy will determine whether you get the cheapest rates in the state or pay more than other Missouri drivers.
Minimum liability car insurance requirements in Missouri are fairly high, and St. Louis and Kansas City make up a significant portion of Missouri’s population, where auto insurance rates can be steep. In addition to your location, your marital status and credit score have an influence on your car insurance premiums, among other factors.
Personal injury protection (PIP) is not one of Missouri’s car insurance requirements for liability coverage. Minimum liability coverage includes bodily injury coverage and property damage liability coverage, along with underinsured/uninsured motorist coverage.
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:
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.
Most Popular Car in Missouri
State with the Most Speeding Tickets Rank
State with the Moving Violations Rank
State with the Most DUIs Rank
State with the most Suspended Licenses
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 #30 state in the country for drivers with an at-fault accident on their driving record.
Exceeding the speed limit can endanger others and have a serious impact on your insurance costs. Missouri is the #28 state in the country for drivers with a speeding ticket on record.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Missouri is the #19 state in the country for drivers with a prior drunk driving conviction.
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 #16 state in the country for drivers with a rude driving violation on record.
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 #48 state in the country for drivers with a reckless driving offense on record.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Missouri is the #19 state in the country for drivers with a failure to yield violation on record.
Having a squeaky-clean driving record is an impressive accomplishment. Some states have consistently safer drivers than others; Missouri is the #24 state in the country for drivers with a clean record.
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.
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.