Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Cheapest recent car insurance quotes in Missouri
Drivers in and around Missouri have found policies from Safeco, State Farm, Bristol West, and more, through Insurify in the last few days.
*Quotes generated for Insurify users from Missouri within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Missouri within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Drivers in the Show-Me State pay an overall average of $151 per month for car insurance, which is in line with the overall national U.S. average of $153 per month.
Missouri requires drivers to carry bodily and property liability insurance, but unlike some states, it doesn’t require personal injury protection (PIP). These lower coverage requirements could help keep its rates in line with the national average.
USAA, State Farm, and Allstate are the cheapest car insurance companies in Missouri.
On average, Missouri drivers pay $98 per month for liability coverage and $205 per month for full-coverage insurance.
Missouri drivers pay an average of $2,459 per year for full-coverage policies.
3 of the cheapest car insurance companies in Missouri
The car insurance company in Missouri that’s the right fit for you will depend on your situation and needs. The amount you pay for auto insurance can vary based on your age, gender, location, how often you drive, your driving record, and the car insurance company you choose. Comparing multiple insurance companies can help you find the best price on car insurance.
Insurance Company
▲▼
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
USAA
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.
9.4 /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.
$55/mo
4.9
Best choiceBased on 1,646 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
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
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (940)
Arlington
December 18, 2024
Verified Review
Mediocre
It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.
Peter
December 18, 2024
Verified Review
Not Happy with USAA
They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.
Donna
December 17, 2024
Verified Review
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
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
Founded in 1922, USAA started as an auto insurance company for military members. Today, the company provides military members with various banking, investing, and insurance products, which could make it a good choice for the nearly 400,000 veterans in Missouri. Military members and their families can also take advantage of several auto insurance discounts, including multi-vehicle discounts and good student discounts.
Pros
Savings of up to 40% with SafePilot program
Excellent J.D. Power customer satisfaction ratings
Cons
Only available to active-duty military members, veterans, military spouses, and children of service members or veterans
Gap insurance not available
State Farm
User Reviews
4.2
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.
$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.
$65/mo
4.2
Best choiceBased on 9,243 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
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 offers a variety of investment, banking, and insurance products, including multiple car insurance options and discounts.
State Farm offers several targeted programs for teen drivers in Missouri who want to reduce their insurance costs. The Steer Clear program is geared toward drivers younger than 25 and allows them to save up to 20% for safe driving. Teens can also get a discount of up to 30% when they download the Drive Safe & Save Mobile app.
Pros
Above-average J.D. Power customer satisfaction rating in the Central region
Savings of up to 30% with Drive Safe & Save program
Cons
Doesn’t offer gap insurance
Might not be the cheapest option for drivers with violations
Allstate
User Reviews
4.0
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.
8.9 /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.
$88/mo
4.0
Best choiceBased on 5,747 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
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 initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,131)
Edward
December 19, 2024
Verified Review
A Company with Many Years of Experience
Allstate has been good for me for many years with mediocre pricing.
Barbara
December 18, 2024
Verified Review
Allstate? Ugh!
Clearly, it's not good, or else why would I be shopping for a new policy.
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 offers a variety of insurance products, including property insurance, life insurance, and vehicle insurance.
If you’re looking for ways to reduce your car insurance rates in Missouri, Allstate features many car insurance discounts, including a multi-policy discount, new-car discount, and smart student discount. Drivers can also save up to 40% with Allstate’s safe driving program, Drivewise.
Pros
Pay-per-mile coverage available through Milewise
Variety of discounts and savings
Cons
Average rates compared to other insurers
Below-average J.D. Power customer satisfaction rating in the Central region
How to get the cheapest car insurance in Missouri
If you want to find the cheapest car insurance in Missouri, it can help to understand how insurers calculate your insurance premiums. Insurance companies look at factors including your age, gender, location, the type of car you drive, how often you drive, and the type of insurance you want.
To keep your insurance premiums as low as possible, consider the following tips:
Increase your deductible. Your deductible is the amount of money you pay before your insurance pays out on a claim. Agreeing to pay a higher deductible can reduce your premiums substantially.
Bundle your insurance. Purchasing multiple insurance products from the same company, such as home insurance and auto insurance, can result in a discounted rate.
Compare insurance companies. Car insurance prices can vary widely between companies. It’s a good idea to compare several insurance companies to find the one that fits your needs and budget.
Low-cost car insurance in Missouri
Missouri doesn’t have a program to help low-income drivers find affordable car insurance. But if you’re looking to lower your car insurance costs, consider shopping around for car insurance quotes every six months to make sure you’re always getting the best deal.
Find Cheap Car Insurance in Missouri
Rates start at $29 per month for liability coverage
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance quotes in Missouri: USAA
Every U.S. state except New Hampshire requires car owners to carry liability-only car insurance. This coverage is composed of bodily injury and property damage liability. Bodily injury insurance covers the costs of the other driver’s medical bills if you cause an accident. Property damage liability covers the cost of any damage you cause to property, such as a fence or light pole.
Liability-only insurance costs Missouri drivers an average of $98 per month. The following table shows some insurance companies that offer the cheapest liability-only car insurance in Missouri.
10 Cheapest Liability-Only Insurance Companies
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance quotes in Missouri: USAA
If you want to maximize your protection, you may consider full-coverage car insurance. While liability-only insurance covers the other driver if you cause a car accident, it doesn’t cover you. Full-coverage car insurance covers you and your vehicle through collision and comprehensive insurance if you cause an accident.
Full-coverage auto insurance costs an average of $205 per month in Missouri. Check out the table below for the cheapest full-coverage car insurance companies in Missouri.
10 Cheapest Full-Coverage Insurance Companies
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in Missouri
Drivers in and around Missouri have found policies from Direct Auto, Root, The General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Missouri
Missouri state law requires all vehicle owners and operators to carry liability insurance. Liability insurance covers your legal liabilities if you injure another driver or damage their property in an at-fault accident.
If you’re caught without the required minimum coverage, you could face license suspension and fees. If you get in an accident and don’t pay damages, you risk losing your license for one year.[1]
If you want additional protection, consider these optional coverages:
Collision coverage
Collision insurancecovers you if you get in an accident with another vehicle or if you hit an object, such as a tree or fence.
Comprehensive coverage
Comprehensive insurance covers damage to your vehicle that isn’t caused by an accident, such as damage caused by a fire, earthquake, hailstorm, or vandalism.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re the victim of a hit-and-run or if you’re hit by another driver who doesn’t have enough insurance to cover the damages.
Cheapest car insurance companies for drivers in Missouri with an incident
An incident includes speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations. When car insurers calculate your insurance premiums, they’re trying to determine how high of a risk it is to insure you. Having a driving record with multiple incidents demonstrates a higher level of risk and typically results in more expensive insurance.
Monthly rates start at $36 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance quotes for drivers with a speeding ticket: USAA
Speeding can affect your safety as well as other drivers. Speeding increases the potential for you to lose control of your vehicle and is a contributing factor to traffic fatalities. Since insurers view speeding as an increased risk, it can also result in higher insurance premiums.
Missouri uses a points system when you’re convicted of a traffic violation. If you’re caught speeding, you can receive up to three points against your license. Accumulating eight or more points in an 18-month period can result in the suspension of your driving privileges.
The average cost of car insurance for drivers with a speeding ticket in Missouri is $290 per month for full coverage and $139 for liability only.
The following table shows the companies offering cheap car insurance in Missouri for drivers with speeding tickets.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for drivers with an at-fault accident: USAA
If you cause an accident, you can expect your premiums to go up. How much your insurance increases will vary between insurance companies, and the increase will generally stay on your driving record for three years following your claim. If you have multiple accidents and traffic violations, there’s a chance your insurance company may not renew your policy.
The average cost of car insurance for drivers with an at-fault accident in Missouri is $309 per month for full coverage and $148 for liability-only coverage.
The table below highlights the insurance companies that offer the lowest average rates for drivers with an accident.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for drivers with a DUI: USAA
Driving while under the influence can have serious consequences, and insurance companies take this seriously. Having a DUI can greatly increase your insurance premiums and potentially result in other serious consequences.
In Missouri, if you hurt or kill someone because you were driving under the influence, you risk the following:
Two to seven years in jail
A $5,000 fine
Loss of your license for five years
The average cost of car insurance for drivers with a DUI in Missouri is $350 per month for full coverage and $167 for liability only.
The following table provides the lowest rates for car insurance in Missouri for drivers with a DUI.
The below rates are estimated rates current as of: Sunday, December 1 at 11:00 AM PST.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for seniors: USAA
Age is one of the variables insurers use to determine your insurance premiums. While insurance is high among young drivers, premiums tend to decrease for drivers older than 25.
Drivers 55 years and older often experience reduced insurance costs. This is attributed to driving less, having safer driving behaviors, and taking advantage of age-related discounts.[2]
Then, around age 70, the cost of insurance starts to increase again. One reason is that drivers 70 and older have higher fatal crash rates largely due to their increased vulnerability in a crash.
The average monthly cost of car insurance for senior drivers in Missouri is $153 for full coverage and $73 for liability only.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance quotes for teens: USAA
Teen drivers present the highest risk to insurance companies, with a fatal crash rate almost three times as high as drivers age 20 and older. A combination of factors, including inexperience, distracted driving, and speeding, contribute to teen drivers’ higher levels of risk.
The average cost of car insurance for teen drivers in Missouri is $393 per month for full-coverage car insurance and $188 for liability only.
To reduce the amount you pay for insurance as a teen driver, consider the following tips:
Stay on your parents’ insurance plan. It’s generally cheaper to join your parents’ insurance plan than to purchase one on your own.
Look for teen driver discounts. Many insurance companies offer discounts to teen drivers, such asgood student discountsfor teens who maintain a certain average, as well as discounts for teens who take driver training courses.
Drive a safe car. The type of car you drive can also affect your insurance premiums. Cars with high-quality safety equipment might help you qualify for cheaper insurance.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Missouri
Insurify partners with 100+ top insurers for accurate quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Missouri car insurance quotes by credit tier
Insurance companies in Missouri are allowed to use your credit history in determining your car insurance rates.[3] Studies suggest that how you manage your finances is a predictor of how likely you are to file an insurance claim. Generally, excellent or good credit will result in a lower insurance premium, while poor credit can increase the cost.
The table below provides average monthly quotes for each credit tier.
Car Insurance Quotes by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance rates across Missouri cities
The city you live in in Missouri has a big influence on your overall car insurance rate. That’s because insurance companies take into account the traffic levels, weather patterns, and vehicle crime rates in your geographical area when setting your car insurance rate. The table below gives you an idea of the average car insurance rates in Missouri based on where you live.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Missouri car insurance FAQs
Finding the best car insurance can be challenging. Below, you’ll find answers to some of Missouri drivers’ most commonly asked car insurance questions.
How much is car insurance in Missouri?
The average cost of car insurance in Missouri is $151 per month. Missouri drivers pay $98 per month for liability coverage and $205 for full coverage. How much you pay for your policy depends on your driving record, age, credit history, and more.
Which company has the cheapest car insurance in Missouri?
USAA offers the cheapest car insurance in Missouri, with a monthly rate of $29 for liability coverage. State Farm has the second-cheapest liability coverage rate in the state, at $35 per month. Allstate is the third-cheapest Missouri insurer, with a rate of $47 per month for liability coverage.
You should always compare quotes from multiple insurers to find the cheapest car insurance.
What are the minimum car insurance requirements in Missouri?
The minimum car insurance requirements in Missouri are $25,000 per person and $50,000 per accident in bodily injury liability insurance, along with $25,000 per accident in property damage liability insurance.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Jessica is a freelance writer, professional researcher, and mother of two rambunctious little boys. She specializes in personal finance, women and money, and financial literacy. Jessica is fascinated by the psychology of money and what drives people to make important financial decisions. She holds a Masters of Science degree in Cognitive Research Psychology.
Jessica has been a contributor at Insurify since July 2023.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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