Best Car Insurance in Missouri (2026)
Progressive, State Farm, and Missouri Farm Bureau are three of the best insurers for Missouri drivers.
Secure. Free. Easy-to-use.
4.7 / 517K reviews
)
Written byJamie Johnson
)
Jamie JohnsonInsurance and Personal Finance Writer
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
){kind=small}
){kind=small}
){kind=small}
)
Edited byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Best car insurance companies in Missouri
Insurify analyzed 120+ car insurance companies to determine the best car insurance companies in Missouri. We chose these companies as the best for Missouri auto insurance based on average premiums, available discounts, customer service, Insurify Quality (IQ) Scores, and customer reviews.
Progressive: Best overall
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 638 |
|---|---|
| IQ Score 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. | 8.7 /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. | $84/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Missouri for
Showing 51 reviews from Missouri driversSee all 9,079 Progressive reviews
Verified Review
Reviewed in Missouri on September 8, 2026
I don’t understand why my premiums go up when I haven’t had any claims or accidents.
Verified Review
Reviewed in Missouri on August 31, 2026
My cost went up, and I found a local broker who saved me $140 a month. Charging a 50-year-old male with no wrecks or tickets over $300 a month is crazy.
Verified Review
Reviewed in Missouri on August 18, 2026
They’re good, but I think they overcharge.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
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
Progressive has some of the cheapest average rates for Missouri drivers. In addition to standard insurance offerings, such as comprehensive and collision coverage, the company offers several unique add-ons. For instance, you can add on vehicle protection coverage, custom parts and equipment coverage, and pet injury coverage.
Pros
Low monthly rates in Missouri
Snapshot program rewards you for safe driving
Lower-than-expected number of customer complaints reported to the National Association of Insurance Commissioners (NAIC)
Cons
Below-average J.D. Power customer satisfaction rating in the Central region
Low Trustpilot rating
High-risk driving could increase your rates
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| IQ Score 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. | $46/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. | $89/mo |
4.9
Best choice in MissouriBased on 4,295 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Missouri for
Showing 6 reviews from Missouri driversSee all 1,691 USAA reviews
Verified Review
Reviewed in Missouri on July 10, 2026
I was very disappointed with the customer service I received from a representative at your company. She put me on hold several times, and the last time I was on hold for 15 minutes. When I asked why, she criticized me, saying I wasn’t the only person she was helping. I was calling to buy more insurance, but now I’m just waiting for my coverage to expire so I can change companies.
Verified Review
Reviewed in Missouri on June 7, 2026
USAA is a good company, but you must be a service member, veteran, or a family member to apply.
Verified Review
Reviewed in Missouri on May 31, 2026
USAA has always been helpful and easy to work with.
JD Power
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
More than 370,000 veterans live in Missouri, according to the U.S. Department of Veterans Affairs. These and current service members can benefit from choosing USAA for car insurance.
The company offers generous discounts, including two different telematics programs: one for low-mileage drivers and another for drivers who demonstrate safe driving behavior. Current service members can receive a 15% discount on comprehensive coverage for storing their car on base.
Pros
Among the lowest rates in Missouri
Highest J.D. Power customer satisfaction rating in the Central region
Two different telematics programs
Cons
Available only to military members and families
Fewer add-on coverages than competitors
No in-person offices in Missouri
State Farm: Best for teen driver discounts
| User Reviews | 4.1 |
|---|---|
| IQ Score 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. | $55/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. | $105/mo |
4.1
Best choice in MissouriBased on 21,082 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best in Missouri for
Showing 40 reviews from Missouri driversSee all 8,108 State Farm reviews
Verified Review
Reviewed in Missouri on August 26, 2026
They were the cheapest I found.
Verified Review
Reviewed in Missouri on August 2, 2026
They are very nice, and they give me a better deal than anyone else. I haven't had a ticket in 30 years, but my lack of revolving accounts (no credit score) keeps me from getting a really great deal.
Verified Review
Reviewed in Missouri on August 1, 2026
They’re always there when you need them most. Good company with excellent customer service.
JD Power
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
Roughly 22% of Missouri residents are younger than age 18.[1] State Farm is one of the best insurers for young Missouri drivers thanks to the many discounts it offers.
Teens can save up to 25% by maintaining good grades. They can also earn discounts for completing an approved driver training course, driving safely, and taking the company’s Steer Clear driver training program.
Pros
Large network of local agents
Above-average J.D. Power customer satisfaction rating in the Central region
Lower-than-expected number of customer complaints reported to the NAIC
Cons
Doesn’t offer gap insurance
Accident forgiveness not available
Must work with an insurance agent
Travelers: Best for newer vehicles
| User Reviews | 4.6 |
|---|---|
| IQ Score 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. | 8.5 /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. | $136/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. | $261/mo |
4.6
Best choice in MissouriBased on 1,820 verified driver reviews and ratings
Travelers's score | Industry average | |
|---|---|---|
| Coverage options | 4.6 | 3.2 |
| Customer service | 4.6 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.6 | 3.1 |
| Value | 4.3 | 2.9 |
How drivers feel about Travelers
Customers appreciate the insurer’s communicative customer service and efficient claims process. But they’re dissatisfied with the consistent and sometimes significant price increases, even for those with clean driving records.
Based on analysis of verified reviews collected by Insurify
Best in Missouri for
Showing 3 reviews from Missouri driversSee all 670 Travelers reviews
Verified Review
Reviewed in Missouri on September 5, 2026
Pretty good.
Verified Review
Reviewed in Missouri on March 30, 2026
I switched to them because my rate dropped. After 6 months, it went up to almost what I was already paying at the previous company. That's how they get you. Neck and neck with cable companies.
Verified Review
Reviewed in Missouri on March 10, 2026
Outstanding.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0
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
Travelers is one of the best insurers for Missouri drivers with new vehicles. You can receive a new-vehicle discount if your car is less than three years old. And if you choose new-car replacement coverage, Travelers will replace your car with the same make and model if you total it within the first five years of ownership.
Pros
IntelliDrive telematics program can save money
Many available coverage options and discounts
Offers a mobile app and digital tools
Cons
Average rates are among the highest in the state
Very high rates for teen drivers in Missouri
High-risk driving with IntelliDrive can increase premiums
Missouri Farm Bureau: Best for roadside assistance
The Missouri Department of Transportation patched more than 650,000 potholes across different roads and interstates in 2025.[2]
But if your car runs out of gas, needs a flat-tire change, or breaks down and needs a tow, Missouri Farm Bureau’s emergency road service coverage provides 24/7 towing and roadside assistance.
Pros
Local agents in every Missouri county
Many available add-on coverages
Wide variety of available discounts
Cons
Must buy a policy through an agent
No J.D. Power rating
Requires a membership
How we chose the best car insurance companies in Missouri
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.
Average cost of car insurance in Missouri
Missouri drivers pay an average monthly rate of $92 for liability insurance and $180 for full-coverage car insurance. Of the state’s 115 counties, 99 are rural.[3]
Despite its population of more than 6 million residents, the state’s low population density may help explain why its rates are slightly below the national average.
Roughly 55% of the state’s population lives in one of its two major cities: St. Louis and Kansas City. Still, the state’s large rural population helps keep average car insurance rates in line with the national average.
Missouri’s average auto insurance rates have increased slightly in 2026. Average premiums were up 1.5% during the first half of the year, and Insurify data projects they’ll increase by another 1% by the end of 2026.
Shop for Car Insurance in Missouri
Insurify partners with 120+ top insurers for real-time quotes
Excellent
4.7 out of 5 based on 17,156 reviews
Secure. Free. Easy-to-use.
How to get the best car insurance in Missouri
Follow these tips to find the best car insurance in Missouri:
Know the minimum coverage requirements
Missouri car insurance requirements require that drivers have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, and $25,000 in property damage liability coverage. The state also requires uninsured motorist coverage in limits of $25,000 per person and $50,000 per accident.[4]
Understand the “No-Play, No-Pay” law
If you drive without car insurance in Missouri and get into an accident, you won’t be able to collect damages from the other driver — even if they caused the accident.
Protect yourself from local weather risks
While minimum car insurance keeps you legally compliant, it won’t pay to repair or replace your car. Missouri can experience a range of severe weather types. In 2024, for example, the state recorded 105 tornado reports, 437 hail reports, and 832 strong wind reports, according to the Missouri Climate Center. A full-coverage car insurance policy that includes comprehensive coverage can help protect against vehicle damage caused by severe weather.
Compare car insurance quotes
Compare quotes from some of the best insurers in Missouri, including State Farm, Travelers, and Progressive. See if you qualify for discounts for being a safe driver, bundling auto and home insurance, or having a vehicle with safety features.
Best car insurance in Missouri FAQs
Missouri’s average car insurance rates are below the national average, but it’s still possible to save. Check out answers to some of the most frequently asked questions to help you find the best auto insurance in Missouri.
What is the cheapest full-coverage insurance in Missouri?
Progressive offers some of the cheapest full-coverage rates in Missouri, at $84 per month. USAA is another cheap insurer, with full-coverage rates averaging $89 monthly.
What is the best insurance company in Missouri?
The best car insurance company varies depending on your driving history, vehicle, ZIP code, and coverage needs. High-risk drivers, such as those with a driving while intoxicated (DWI) conviction who need an SR-22, typically pay higher rates. Comparing quotes from multiple insurers will help you find affordable coverage that also protects you financially.
What is the average cost of car insurance per month in Missouri?
Missouri car insurance averages $136 per month, according to Insurify data. But you can save by increasing your deductibles, asking about multi-policy discounts, bundling your auto and homeowners insurance, and asking about discounts.
Is it illegal not to have car insurance in Missouri?
Yes. Driving without car insurance is illegal in Missouri. The first time law enforcement catches you, the state will add four points to your driving record and charge you a $20 reinstatement fee. The second time law enforcement catches you, the state will suspend your license for 90 days, and you’ll have to pay a $200 reinstatement fee, according to the Missouri Department of Revenue.[5]
Sources
- U.S. Census Bureau. "QuickFacts Missouri."
- Missouri Department of Transportation. "MoDOT crews prioritizing pothole repairs through spring."
- U.S. Department of Health and Human Services. "III.B. Overview of the State - Missouri - 2023."
- Missouri Department of Revenue. "Insurance Information."
- Missouri Department of Revenue. "Missouri Driver Responsibilities and Penalties."
Related articles
)
Car Insurance Discounts in Missouri
Some popular car insurance discounts in Missouri include multi-policy, multi-vehicle, and safe driver discounts.
Very Cheap Car Insurance With No Deposit in Missouri
No-deposit car insurance doesn’t exist in Missouri, but you can find the cheapest option possible. Compare quotes from top insurers starting at $46 per month for liability insurance.
)
SR-22 Insurance in Missouri: Cost, Requirements, and Cheapest Companies
The average cost of SR-22 coverage in Missouri is $109 per month for a liability-only policy and $213 for full coverage.
How Much Is Car Insurance in Missouri?
Drivers in Missouri pay an average of $1,634 per year for car insurance.
Missouri Car Insurance Requirements in 2026
All drivers in Missouri must maintain 25/50/25 liability insurance and 25/50 uninsured motorist coverage to drive legally in the Show-Me State.
Cheapest Liability Car Insurance in Missouri
Missouri drivers can find the cheapest liability-only car insurance from USAA, with an average rate of $46 per month.
Car Insurance Grace Period in Missouri: Are You Covered After Buying a Car?
Drivers in Missouri typically have a 30-day car insurance grace period after buying a car.
)
Cheap Full-Coverage Car Insurance in Missouri
Missouri drivers can find the cheapest full-coverage car insurance from Progressive, with an average rate of $84 per month.
Cheap Car Insurance for Low-Income Drivers in Missouri
USAA has the cheapest liability car insurance in Missouri, with an average rate of $46 per month.
)
Temporary Car Insurance in Missouri: What Your Short-Term Options Really Are
True temporary car insurance doesn’t exist, but you can still find short-term coverage. Insurify Car allows you to pay weekly and decide when to cancel.
Missouri Car Insurance Laws
Missouri law requires drivers to carry bodily injury and property damage liability coverage, along with uninsured motorist bodily injury coverage.
Cheapest Car Insurance Quotes in Missouri
USAA has the cheapest liability-only insurance rates in Missouri, averaging $46 per month. The state has a lower population density than several neighboring states, which may contribute to lower average rates.
)
Cheapest Auto Insurance in Columbia, Missouri
USAA offers the cheapest car insurance in Columbia, with minimum-coverage policies as low as $41 per month.
)
Cheapest Auto Insurance in Independence, Missouri
State Farm offers the cheapest car insurance in Independence, with minimum-coverage policies as low as $59 per month.
)
Cheapest Auto Insurance in Jefferson City, Missouri
USAA offers the cheapest car insurance in Jefferson City, with minimum-coverage policies as low as $41 per month.
)
Cheapest Auto Insurance in Joplin, Missouri
USAA offers the cheapest car insurance in Joplin, with minimum-coverage policies as low as $39 per month.
Cheapest Car Insurance Quotes in Kansas City, Missouri (September 2026)
USAA has the most affordable liability car insurance in Kansas City, averaging $54 per month. Kansas City ranks among the top 20 regions nationwide for auto theft, which affects car insurance rates.
Cheapest Car Insurance Quotes in St. Louis (September 2026)
USAA offers the cheapest car insurance in St. Louis, with an average liability rate of $67 per month. The St. Louis area is vulnerable to tornadoes, flooding, and earthquakes, which may affect car insurance costs.
Cheapest Car Insurance Quotes in Springfield, Missouri (September 2026)
The cheapest car insurer in Springfield is USAA, with liability premiums averaging $42 per month. Shorter commute times and low tourism traffic may help explain why rates are lower than the Missouri state averages.
)
Jamie JohnsonInsurance and Personal Finance Writer
6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Mark FriedlanderSenior Director, Media Relations, Insurance Information Institute
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert