Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
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 $141 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.
$70/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.
$101/mo
4.1
Best choiceBased on 11,351 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 (6,071)
Ethline
Verified Review
Insurance Increase
Reviewed in Maryland on July 2025
My only problem with State Farm is the rising cost of my insurance. I've been with them for about 35 years, and my husband had one accident last year, causing the premiums to increase by 100%. What's that about? They've just increased mine as well.
Deidre
Verified Review
Florida Insurance Cost Woes
Reviewed in Florida on July 2025
It seems to be the best price here in Florida. Customer service is lacking. There's no agent to talk to. When we bought the policy, we had an agent who was okay, but he left, and now it is a house account. We would prefer a broker to find us the best rate, but alas, that is lacking in Florida. We feel frustrated and alone in trying to find the best rate. We had a better deal in Arizona.
Jim
Verified Review
Left wanting more for my money.
Reviewed in Ohio on July 2025
They and others are too expensive. I have one homeowner's claim in 37 years of home ownership and still pay too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
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.
9.3 /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.
$120/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.
$172/mo
4.5
Best choiceBased on 471 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 (238)
William
Verified Review
Getting a better rate for car insurance.
Reviewed in California on July 2025
So far, no other insurance company could beat their offer.
Richard
Verified Review
American Family Insurance
Reviewed in Florida on May 2025
Purchased through Costco and it originally saved me a lot of money.
Scott
Verified Review
Check the Fine Details
Reviewed in Oregon on May 2025
My homeowner's insurance went up by $2000, and American Family did not inform me. It was my mortgage company that did. Make sure to check all the fine details.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
674
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47
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.
9.1 /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.
$60/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.
$86/mo
4.9
Best choiceBased on 2,120 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 (1,202)
Judy
Verified Review
Thoughts on USAA
Reviewed in Texas on July 2025
They are good so far, although I've never had to contact them. I would like a lower monthly premium, but no one has given a lesser amount for insurance and a small renters policy.
Alvin
Verified Review
Top Notch Service!
Reviewed in Texas on July 2025
They're very customer-friendly. They offer the most bang for your bucks!
Kenneth
Verified Review
Too long with USAA, apparently.
Reviewed in Florida on July 2025
Thirty-plus year member. Love the distribution at the end of the year; not impressed with the steady increase in premiums, especially since I’ve had only two claims since I joined, neither very costly to USAA. I’m looking for less cost and much better customer appreciation.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
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.
9.2 /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.
$106/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.
$152/mo
4.0
Best choiceBased on 12,043 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 (6,445)
Irene
Verified Review
My husband and I shared a policy. He got into multiple accidents, and I got into none. When I tried to switch insurance companies, the accidents he was involved in showed up under my name. Geico refused to correct it, and now I am paying higher insurance because of it.
Reviewed in New Jersey on July 2025
My husband and I shared a policy. He got into multiple accidents, and I got into none. When I tried to switch insurance companies, the accidents he was involved in showed up under my name. Geico refused to correct it, and now I am paying higher insurance because of it.
Jared
Verified Review
Geico: Slow Like Race Day
Reviewed in North Carolina on July 2025
Fast responsive call center for claims, but the claim associate took forever to get claim amounts back in full. She was always driving when you called to chat about your policy and issues. It took 1.5 years to complete and get a great body shop to repair my vehicle. The shop still left the hood ground unhooked and hurried the claim to get my money. Paint and body work are not satisfactory after a closer look. Geico is disappointing.
Valery
Verified Review
Geico constantly raises rates
Reviewed in Oregon on July 2025
Stay away from Geico. They do not lower rates for good drivers, drivers using dashcams, accident-free, ticket-free. They constantly raise rates, claiming that the state raised the insurance rates, which is misleading. They seem more interested in giving their shareholders bigger dividends and are not there for the consumer.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
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.
$96/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.
$138/mo
3.9
A solid optionBased on 6,913 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 (3,669)
Mary
Verified Review
Fair
Reviewed in Texas on July 2025
The cost is way too high for just liability coverage!
William
Verified Review
Been with them for years, likely to keep
Reviewed in Minnesota on July 2025
Unless you ask or tell them that you’re driving minimal miles, the agent will never offer the per day/mile rate!
William
Verified Review
One Claim and Allstate Was Fast to Get My Problem Solved
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
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 $141 per month. Missouri’s rates are on par with the national average of $149 per month.
Drivers in Missouri pay an average of $96 per month for liability-only insurance and $186 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 $60 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 $141. Full-coverage auto insurance in Missouri costs $186 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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