Más de 5 años de experiencia en redacción financiera
Certificado de planificación financiera por la Universidad de Boston
Erin es escritora y periodista especializada en finanzas personales. Sus artículos exploran inversiones, tarjetas de crédito, hipotecas, seguros y mucho más.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Shopping for the best car insurance policy can be a challenge since every person has different needs and priorities. Missouri drivers pay an average of $143 per month, but rates may vary. Insurify analyzed 50 companies to help you find the cheapest car insurance.
The best car insurance companies in Missouri offer affordable premiums, discounts, and easy-to-access customer service. Keep reading to see the top companies and find out which one is best for you.
Best car insurance companies in Missouri
Whether you’re shopping for cheap car insurance in Missouri or the best value, it’s important to find the best insurer for your situation. We’ve identified the five best car insurance companies in Missouri using factors like average premiums, customer satisfaction, available discounts, and more.
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.
$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.
$66/mo
4.1
Best choiceBased on 9,893 verified guest 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 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 For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,449)
K
March 12, 2025
Verified Review
Poor
I'm struggling financially because my insurance payments are too high.
Michael
March 12, 2025
Verified Review
Horribly Managed Company
Relentless, outrageous premium increases are par for the course with this company!
Jackie
March 12, 2025
Verified Review
Great, but the Rates are High
Aside from the fact that the rates for home and auto insurance keep increasing, they have been a great company.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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 the best overall insurer for Missouri drivers thanks to its affordable rates and high customer satisfaction ratings. For many drivers in the state, it has some of the lowest insurance rates.
State Farm also earned a high customer satisfaction ranking from J.D. Power. And while State Farm may offer fewer discounts than other insurers, safe drivers can save up to 30% with the company’s Drive Safe & Save program.
Pros
Some of the lowest insurance rates for Missouri drivers
High J.D. Power customer and claims satisfaction ratings in the Central region
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.
9.1 /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.
$59/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.
$112/mo
4.6
Best choiceBased on 420 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (222)
Lisa
March 12, 2025
Verified Review
Am Fam
It is a bit on the pricey side, but when we had issues, they came through.
Allison
March 10, 2025
Verified Review
Expensive for Seniors
It's too expensive for seniors with good driving records.
Estevan
March 6, 2025
Verified Review
Not Recommended
I've been with American Family for 7 years. They increased my premium without notifying me. When I actually needed to use their service and filed a claim, I had to jump through more hoops than I could have imagined. I hit a deer and they wouldn't cover the windshield, even though the police report stated it was involved. It's just not worth it.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
848
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3
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
American Family is a regional insurer, and Missouri is one of the states where it sells coverage. The company boasts more discounts than many insurers, meaning you have plenty of ways to save. American Family is also one of the top-ranked companies for customer satisfaction based on the J.D. Power 2024 U.S. Auto Insurance Study.
Pros
High J.D. Power customer satisfaction rating in the Central region
Many available discounts
One of the cheapest car insurance options for Missouri drivers
Cons
Below-average J.D. Power claims satisfaction rating
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.
9.4 /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.
$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.
$56/mo
4.9
Best choiceBased on 1,774 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,017)
Rose
March 11, 2025
Verified Review
You would be paying for nothing
They are not truthful about covering your vehicle repairs. My vehicle was damaged by rubber on the road and required $2000 worth of repairs. They approved the repairs, but they were never carried out. Later, they claimed a check was paid but refused to provide proof or even the name of the payee. Meanwhile, I was left for 2 years with my car held together by zip ties instead of being repaired. Then they reported that I was in a preventable accident. A giant piece of tire rubber on the road at highway speeds at night with a car on either side of me, and it was my fault? They were not honest throughout the process.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
879
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
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
USAA offers car insurance and many other financial services to military members, veterans, and their families. It consistently ranks among the top companies for customer satisfaction and has some of the cheapest rates for Missouri drivers who are eligible for coverage.
Though it has fewer discounts overall than many insurers, it offers two important ways to save. The USAA SafePilot program offers savings of up to 30% for safe drivers, while its usage-based program offers savings of up to 20% for low-mileage drivers.
Pros
Cheap car insurance rates for eligible Missouri drivers
High J.D. Power customer satisfaction rating in the Central region
Discounts for safe and low-mileage drivers
Cons
Fewer available discounts than many competitors offer
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.
9.0 /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.
$51/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.
$98/mo
4.0
Best choiceBased on 10,953 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,000)
Linda
March 12, 2025
Verified Review
My Review
They are very understanding of circumstances and willing to make adjustments. It's relatively easy to get to customer service.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
847
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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
GEICO offers an excellent combination of affordable rates for Missouri drivers and more discounts than many of its competitors. Its nearly two dozen discounts include the DriveEasy program, which allows you to save up to 15% for safe driving.
The company’s accident forgiveness benefit can also help you save money. While any customer can purchase this coverage, you’ll get it on your policy for free after you remain accident-free for five years.
Pros
Nearly two dozen available discounts
Cheap car insurance rates for Missouri drivers
Free accident forgiveness after five years with no accidents
Cons
Below-average J.D. Power customer and claims satisfaction ratings
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.
8.9 /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.
$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.
$90/mo
4.0
Best choiceBased on 6,113 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,331)
Joshua
March 12, 2025
Verified Review
Keep Shopping
Don't settle just yet! They start you off with a decent price, but don't get used to it. Within a year, the prices are likely to increase. Customer service is primarily non-native English speakers, so you might struggle to understand their responses to your questions.
James
March 12, 2025
Verified Review
Price Gougers
Every renewal, the rates increased exponentially! I called the agent, but very little was done to resolve the overages, even after being a good customer for over 5 years.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
816
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
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
Allstate’s car insurance rates are among the lowest for Missouri drivers, and it has even more ways you can save. Its Drivewise program allows you to save on your premiums based on your safe driving habits, and its Milewise program helps low-mileage drivers save by paying for only the miles they drive. Allstate also provides personalized service through its large network of local insurance agents.
Pros
Discounts for safe and low-mileage drivers
Some of the cheapest car insurance rates for Missouri drivers
Large network of local agents
Cons
Below-average J.D. Power customer and claims satisfaction ratings
Gap insurance only available at time of vehicle purchase
Fewer coverage options than many competitors
Our editorial team analyzed regional and national auto insurance companies that sell policies in Missouri to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
How to get the best car insurance in Missouri
As you’re shopping for car insurance in Missouri, here are a few strategies that can help you find the best policy for your unique situation.
Know your coverage needs
Before you start getting insurance quotes, decide exactly which coverages you need.[1] While every insurer provides liability, comprehensive, and collision coverage, each company’s optional coverage offerings can vary significantly.
For example, if you’d like to have gap insurance, new car replacement, accident forgiveness, rideshare coverage, or other optional coverages, you’ll find that only certain insurers offer them. Knowing the coverage you need can help you narrow down your list of options.
Read reviews and ratings
When shopping for insurance, it’s helpful to know what current and past customers think. You can get an idea of a company’s reputation by reading online reviews and looking for a pattern of complaints, like bad customer service.
Additionally, you can visit third-party sites like J.D. Power, the National Association of Insurance Commissioners, and AM Best, which rank companies based on customer satisfaction, customer complaints, and financial strength, respectively.
Look for savings opportunities
Most insurance companies offer ways for customers to save through discounts, and you can often find a list of discounts on an insurer’s website. Discounts many insurers offer include multi-policy and multi-car discounts, vehicle safety discounts, claims-free discounts, and good student discounts, among others.
Additionally, many insurers offer telematics programs, in which an app monitors your driving habits. If you’re a safe driver or drive fewer miles than average, you can save money on your insurance premiums.
Compare insurance quotes
When you’re ready to get a new policy, start by shopping around and getting quotes from several different insurers. Many insurers have free online quote forms on their websites, or you can use an online comparison site to do all your shopping in one place.
Insurance companies base quotes on your unique situation and driving history.[2] For this reason, it’s a good idea to compare multiple insurance quotes instead of just reading up on average rates.
Average cost of car insurance in Missouri
The average cost of car insurance in Missouri is $143 per month. Missouri’s rates are on par with the national average of $151 per month.
Drivers in Missouri pay an average of $96 per month for liability-only insurance and $190 per month for full coverage car insurance. But your premiums could be higher or lower depending on your personal characteristics, driving history, and other key rating factors.
Find Cheap Car Insurance in Missouri
Liability rates start as low as $29 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Best car insurance in Missouri FAQs
If you’re shopping for car insurance in Missouri, this additional information may help you choose a company.
How much is car insurance in Missouri?
The overall average cost of insurance in Missouri is $143. Full-coverage auto insurance in Missouri costs $190 per month, and drivers pay an average of $96 per month for a liability-only policy. Your rates will vary depending on where you live, your driving record, your age and gender, and other factors.
What are the best car insurance companies in Missouri?
The best car insurance companies in Missouri include State Farm, American Family, USAA, GEICO, and Allstate. With so many insurers on the market, the best company for your unique situation could be one that didn’t make our list.
What is the required auto insurance coverage amount in Missouri?
Missouri requires all drivers to have coverage of at least $25,000 in bodily injury liability insurance per person and $50,000 in bodily injury liability insurance per accident. Drivers must also carry a minimum of $25,000 in property damage liability insurance. The state also requires drivers to have uninsured motorist coverage with the same limits.[3]
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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