Cheapest Car Insurance Quotes in Missouri
USAA is Missouri’s cheapest car insurance company. Get instant quotes for Missouri car insurance and buy your policy online in minutes with help from our licensed agents.
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Written byAmy Beardsley
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Amy BeardsleyFreelance Insurance and Real Estate Writer
3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
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Edited byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Reviewed byDavid Marlett
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David MarlettAdvisor
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Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Cheapest car insurance quotes in Missouri
Car insurance in Missouri is slightly cheaper than the national average. Missouri drivers pay an average of $89 per month for liability-only insurance and $182 per month for full coverage.
We’ve collected auto insurance rates from 120+ companies in Missouri to show how prices vary based on age, coverage level, driving history, and credit history. No two drivers in Missouri have the same driver profile, so shopping around is the best way to find the cheapest car insurance for you.
In the table below, you’ll see the cheapest insurance company in Missouri for several different driver categories.
Driver Category  | Cheapest Insurance Company in Missouri | Cheapest Monthly Quote in MO |
|---|---|---|
| Overall | USAA | $53 |
| State-minimum coverage | USAA | $53 |
| Full coverage | USAA | $110 |
| Drivers with a clean record | USAA | $53 |
| After a speeding ticket | USAA | $68 |
| After an at-fault accident | USAA | $71 |
| After a DUI | USAA | $72 |
| Teen/new drivers | USAA | $97 |
| Seniors | USAA | $43 |
| Bad credit | USAA | $65 |
Disclaimer: Table data is based on real-time Missouri quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Cheapest liability-only car insurance in Missouri: USAA
Liability coverage pays for other people’s injuries or property damage when you cause an accident, but it won’t pay for damage to your car if you’re in a wreck. Purchasing this coverage is the least expensive way to meet Missouri’s minimum insurance policy requirements. The average cost of liability-only coverage in Missouri is $89 per month.
If budget is your top priority, USAA offers the most affordable liability-only car insurance for Missouri drivers.
The table below shows the cheapest liability-only rates in Missouri.
The below rates in Missouri are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $53 |
| Progressive | $56 |
| State Farm | $62 |
| Allstate | $85 |
| Safeco | $85 |
| Root | $87 |
| National General | $88 |
| Clearcover | $90 |
| GEICO | $93 |
| Direct Auto | $97 |
| Bristol West | $100 |
| American Family | $106 |
| Dairyland | $107 |
| The General | $107 |
| GAINSCO | $118 |
| Liberty Mutual | $128 |
| Liberty Mutual | $128 |
| Insurify Car | $136 |
| Shelter | $140 |
| Nationwide | $149 |
| Auto-Owners | $154 |
| Travelers | $155 |
| AssuranceAmerica | $167 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
Agent Tip: Does liability-only coverage offer enough protection?
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Britney Balk
Customer Service Supervisor, Insurify
You can legally drive in Missouri as long as you meet the state’s minimum liability insurance requirements. But because liability insurance only pays for damage and injury you cause to another driver, minimum coverage may not provide enough financial protection if you cause a car accident. You’d be at risk of paying out of pocket for damages exceeding your policy limits, as well as your own vehicle repairs.
Cheapest full-coverage car insurance in Missouri: USAA
Averaging $182 per month in Missouri, full coverage is more expensive than basic liability insurance. But some insurers, including USAA, offer premiums below the state average cost of car insurance.
Full-coverage policies include liability insurance, collision coverage, and comprehensive coverage, which help pay for repairs to your vehicle. It’s often a requirement if you have a car loan or lease.
Explore the table below to see the cheapest full-coverage rates in Missouri.
The below rates in Missouri are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $110 |
| Progressive | $116 |
| State Farm | $130 |
| Safeco | $153 |
| Root | $171 |
| National General | $172 |
| Allstate | $177 |
| Direct Auto | $192 |
| GEICO | $193 |
| Clearcover | $207 |
| American Family | $221 |
| Liberty Mutual | $231 |
| Liberty Mutual | $231 |
| Bristol West | $250 |
| GAINSCO | $286 |
| Shelter | $293 |
| Nationwide | $311 |
| The General | $314 |
| Auto-Owners | $321 |
| Travelers | $324 |
| Dairyland | $360 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
Cheapest recent car insurance quotes in Missouri
Drivers using Insurify have found quotes as cheap as $53/mo for liability only and $110/mo for full coverage in Drivers using Insurify have found quotes as cheap as $53/mo for liability only and $110/mo for full coverage in ..
*Quotes generated for Insurify users from Missouri within the last 10 days. Last updated on April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 9, 2026. 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 April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurify Car: One-week car insurance for Missouri drivers
Insurify Car is a weekly car insurance option available in Missouri that lets you pay for seven days of coverage at a time. You can cancel anytime by logging into your account and selecting your cancellation date, or you can let coverage roll week to week.
If you need short-term protection or simply want more flexibility, Insurify Car meets Missouri’s state-minimum insurance requirements without requiring you to commit to a standard six-month or annual coverage term. The first payment is lower than with a traditional auto insurance policy because of the week-by-week model, and coverage starts immediately.
You can learn more about the coverage on our Insurify Car page.
Best cheap car insurance companies in Missouri
Price matters, but the best Missouri car insurance companies offer low premiums, high-quality customer service, and dependable claims handling to deliver the coverage you need. Below, you can learn more about a few of Missouri’s top auto insurers to begin your search for coverage.
State Farm: Best for cheap full-coverage rates in Missouri
| 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. | 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. | $62/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. | $130/mo |
4.0
Best choiceBased on 16,933 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 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 For
Showing 36 reviews from Missouri driversSee all 7,363 State Farm reviews
Verified Review
Reviewed in Missouri on March 18, 2026
Watch your agent. He quoted me one thing and charged me another, even after we went over my coverage before I paid.
Verified Review
Reviewed in Missouri on March 11, 2026
The rates keep increasing, and they say there's no discount after 30 years and no major claims.
Verified Review
Reviewed in Missouri on February 28, 2026
I'm paying almost $700 for a 6-month renewal, while other companies are displaying 6-month renewals as low as $175. Please tell me how this can be. At this point, I am thinking of going to insurance for veterans that give a better rate.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 one of the cheapest Missouri insurers for full-coverage insurance. Safe driving habits can qualify you for lower rates, and discounts available in Missouri for insuring more than one car or bundling auto and home insurance can further reduce costs.
Available add-ons, such as roadside assistance, car rental reimbursement, and travel expenses coverage, can increase your protection.
Pros
Many insurance agents available across Missouri
Mix-and-match bundling discounts
Excellent J.D. Power customer satisfaction rating in Missouri
Cons
Accident forgiveness not available
Must contact an agent to get a quote
Gap insurance not available
Root: Best for usage-based insurance in Missouri
| User Reviews | 3.4 |
|---|---|
| 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. | 7.9 /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. | $87/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. | $171/mo |
3.4
A solid optionBased on 1,251 verified driver reviews and ratings
Root's score | Industry average | |
|---|---|---|
| Coverage options | 3.2 | 3.2 |
| Customer service | 2.4 | 3.6 |
| Discounts | 2.7 | 2.9 |
| Policy transparency | 3.1 | 3.1 |
| Value | 2.8 | 2.9 |
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 522 Root reviews
Verified Purchase
Reviewed in Maryland on April 6, 2026
I have not had to make a claim yet, but so far Root is okay.
Verified Review
Reviewed in Texas on April 5, 2026
Okay, but I think I've seen just as good or better prices elsewhere.
Verified Review
Reviewed in Ohio on April 1, 2026
Rather highly priced. Considering getting quotes from other companies.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93A.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).
NRWhy we picked this company
Root uses your smartphone to price your insurance based on your actual driving behavior in Missouri. It starts with a test-drive in which the app collects data for a few weeks, logging things like braking, cornering, and route patterns. Driving data has the biggest influence on your rate, so safer Missouri drivers pay less for coverage.
Pros
Fast, app-based claims filing
Roadside assistance available
Offers SR-22 insurance for Missouri drivers
Cons
Not all drivers qualify for coverage
Limited coverage options
Pricing depends on constant location tracking
Progressive: Best for teen drivers in Missouri
| 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. | $56/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. | $116/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 For
Showing 43 reviews from Missouri driversSee all 8,335 Progressive reviews
Verified Review
Reviewed in Missouri on April 5, 2026
Zero communication, zero statements, zero text messages. Why does it take 12 days for my reimbursement to just go back to my checking account? That makes no sense. They were very quick to take it out. Why such a long wait? I found insurance $100 cheaper a month.
Verified Review
Reviewed in Missouri on March 30, 2026
Expensive but pays on claims slowly and cheaply. I haven't had any claims myself, but two close relatives have had within the last 20 months.
Verified Review
Reviewed in Missouri on March 17, 2026
Prices are terrible! I am 72, my wife is 68. No tickets, no claims, but insurance goes up anyway. Can't insure my vehicles differently. Have to have the same coverage on both, even though there is a 10-year difference in the age of the vehicles. Can't get the agent I wanted close to my home. Have to drive 1.5 hours to see the agent, instead of 30 minutes for the one I wanted. No loyalty to me at all for staying with you for three years.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.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 is a strong choice for Missouri teens thanks to its built-in savings options. Young drivers can qualify for teen car insurance discounts, including good-student discounts and distant-student savings for college students living away from home without a car. Safe driving habits with the Snapshot program can help offset premiums even more.
Pros
Multiple available discounts can reduce overall cost
Strong digital tools and mobile features
Unique perks like pet injury coverage
Cons
Poor claims-handling rating from J.D. Power
Teen discount requires 12 months of continuous coverage
Snapshot can raise rates for high-risk drivers in Missouri
How car insurance costs in Missouri have changed
Missouri car insurance prices have fluctuated in recent years. In 2024, rates increased by 44% from February to August, reaching a high of $2,406 annually.
Missouri drivers saw some relief in 2025, with average prices dropping by about 6% from January to December. Insurify predicts that car insurance premiums in Missouri will likely increase by 0.7% through the end of 2026.
Average car insurance costs in Missouri over time
Below, you can see how Missouri’s average car insurance costs have varied during the last five years.
Average Missouri Car Insurance Rates Over the Past Five Years
State Name | 2021-03 | 2021-04 | 2021-05 | 2021-06 | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | 1,569 | 1,560 | 1,557 | 1,553 | 1,555 | 1,559 | 1,559 | 1,564 | 1,567 | 1,569 | 1,570 | 1,573 | 1,580 | 1,594 | 1,604 | 1,609 | 1,614 | 1,620 | 1,627 | 1,634 | 1,642 | 1,653 | 1,667 | 1,690 | 1,721 | 1,759 | 1,803 | 1,851 | 1,888 | 1,920 | 1,958 | 1,985 | 2,007 | 2,037 | 2,077 | 2,129 | 2,195 | 2,241 | 2,301 | 2,342 | 2,369 | 2,390 | 2,386 | 2,373 | 2,370 | 2,361 | 2,349 | 2,364 | 2,366 | 2,366 | 2,355 | 2,341 | 2,318 | 2,286 | 2,257 | 2,228 | 2,215 | 2,222 | 2,223 | 2,224 | 2,233 |
| Missouri | 1,348 | 1,344 | 1,356 | 1,356 | 1,360 | 1,361 | 1,371 | 1,376 | 1,383 | 1,385 | 1,393 | 1,405 | 1,418 | 1,434 | 1,435 | 1,441 | 1,446 | 1,453 | 1,454 | 1,454 | 1,455 | 1,454 | 1,453 | 1,466 | 1,498 | 1,523 | 1,551 | 1,579 | 1,602 | 1,640 | 1,668 | 1,695 | 1,700 | 1,722 | 1,791 | 1,840 | 1,924 | 2,038 | 2,173 | 2,301 | 2,365 | 2,394 | 2,331 | 2,261 | 2,244 | 2,209 | 2,190 | 2,197 | 2,222 | 2,224 | 2,216 | 2,209 | 2,200 | 2,174 | 2,156 | 2,140 | 2,128 | 2,136 | 2,144 | 2,143 | 2,153 |
Find Cheap Missouri Car Insurance
Liability quotes start at $53/mo.
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Missouri car insurance requirements
Missouri requires drivers to buy a minimum amount of liability and uninsured motorist coverage. You must keep proof of insurance in your vehicle. If law enforcement pulls you over in Missouri and you can’t produce proof, you may receive a ticket.[1]
See the specific requirements for Missouri drivers by coverage type below.
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist bodily injury | $25,000 per person / $50,000 per accident |
Car insurance rates across Missouri cities
Average car insurance rates will vary depending on the Missouri city and ZIP code you live in. It’s normal to see different prices across different cities, even though the legal minimum coverage rules are the same statewide. St. Louis drivers pay some of the highest average rates — likely due to the city’s higher vehicle theft rates and population density compared to other Missouri cities.[2]
The table below highlights average car insurance costs for several Missouri cities.
City | Average Monthly Quote |
|---|---|
| Columbia | $126 |
| Independence | $155 |
| Jefferson City | $115 |
| Joplin | $119 |
| Kansas City | $167 |
| St. Louis | $207 |
| Springfield | $128 |
Disclaimer: Table data is based on real-time Missouri quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Car insurance quotes in Missouri for drivers with a clean record: USAA
USAA offers the lowest average auto insurance quote for Missouri drivers with a clean driving record.
Below, you can compare the cheapest rates for drivers with good credit and a clean record in Missouri.
The below rates in Missouri are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $52 |
| Progressive | $58 |
| State Farm | $61 |
| National General | $82 |
| Allstate | $85 |
| Root | $88 |
| Safeco | $92 |
| GEICO | $93 |
| Clearcover | $93 |
| Direct Auto | $95 |
| Bristol West | $99 |
| Dairyland | $104 |
| The General | $104 |
| American Family | $105 |
| GAINSCO | $115 |
| Shelter | $132 |
| Liberty Mutual | $136 |
| Liberty Mutual | $136 |
| Insurify Car | $141 |
| Nationwide | $143 |
| Auto-Owners | $151 |
| AssuranceAmerica | $151 |
| Travelers | $152 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
Cheapest car insurance in Missouri for drivers with a speeding ticket: USAA
Driving 6 to 19 mph over the speed limit in Missouri is a Class C misdemeanor, and driving 20 mph or more over the speed limit is a Class B misdemeanor.[3]
Your car insurance rates can also increase after a speeding ticket. Missouri drivers with a past speeding ticket pay an average of $111 per month for liability insurance. You may find the most affordable coverage from USAA.
The table below lists the cheapest rates for drivers with a speeding ticket in Missouri.
The below rates in Missouri are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $68 |
| Progressive | $70 |
| State Farm | $78 |
| National General | $109 |
| Allstate | $110 |
| Safeco | $111 |
| Clearcover | $115 |
| Root | $116 |
| GEICO | $121 |
| Direct Auto | $122 |
| Bristol West | $126 |
| Dairyland | $133 |
| American Family | $137 |
| GAINSCO | $141 |
| The General | $143 |
| Liberty Mutual | $163 |
| Liberty Mutual | $163 |
| Insurify Car | $170 |
| Shelter | $185 |
| Nationwide | $193 |
| Auto-Owners | $200 |
| Travelers | $201 |
| AssuranceAmerica | $212 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
Affordable car insurance in Missouri with an at-fault accident: USAA
Missouri car accidents stay on your record for three years, but not every insurer prices crash risk the same way.[4]
Missouri drivers with an at-fault accident pay a monthly average of $117 for liability policies.
The table below highlights the cheapest rates for drivers with an at-fault accident in Missouri.
The below rates in Missouri are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $71 |
| Progressive | $73 |
| State Farm | $82 |
| Allstate | $114 |
| Root | $116 |
| National General | $117 |
| Safeco | $118 |
| GEICO | $121 |
| Clearcover | $129 |
| Bristol West | $131 |
| Direct Auto | $132 |
| Dairyland | $141 |
| American Family | $142 |
| The General | $147 |
| GAINSCO | $151 |
| Liberty Mutual | $169 |
| Liberty Mutual | $169 |
| Insurify Car | $178 |
| Shelter | $189 |
| Nationwide | $200 |
| Auto-Owners | $203 |
| Travelers | $208 |
| AssuranceAmerica | $221 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes for Missouri drivers with a DUI: USAA
Driving under the influence in Missouri can result in a 90-day suspension of your driver’s license.[5] You may need to get SR-22 insurance and complete a Substance Awareness Traffic Offender Program (SATOP) to get your license back.[6] Having a DUI on your record can significantly increase your premiums, but USAA offers the lowest rates for Missouri drivers with a DUI.
Check the table below for the cheapest rates for drivers with a DUI in Missouri.
The below rates in Missouri are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $71 |
| USAA | $72 |
| State Farm | $84 |
| Allstate | $115 |
| Root | $119 |
| National General | $119 |
| Clearcover | $122 |
| Safeco | $122 |
| GEICO | $125 |
| Direct Auto | $132 |
| Bristol West | $136 |
| The General | $140 |
| American Family | $144 |
| Dairyland | $145 |
| GAINSCO | $160 |
| Insurify Car | $173 |
| Liberty Mutual | $174 |
| Liberty Mutual | $174 |
| Shelter | $191 |
| Nationwide | $202 |
| Auto-Owners | $209 |
| Travelers | $210 |
| AssuranceAmerica | $227 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an SR-22 in Missouri: USAA
Missouri requires drivers to file an SR-22 for several violations, including careless driving, DUI, and driving without car insurance. An SR-22 is a form your insurer files with the state to prove you have minimum auto coverage. Drivers need to maintain an SR-22 filing for two to three years, depending on the offense.
An SR-22 filing indicates to insurers that you’re a higher risk to insure, which can increase car insurance rates. That said, USAA offers the cheapest average premiums for Missouri drivers with an SR-22.
Below, you’ll find a table listing the cheapest rates for drivers with an SR-22 in Missouri.
The below rates in Missouri are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $63 |
| Progressive | $67 |
| State Farm | $74 |
| Allstate | $101 |
| Safeco | $101 |
| Root | $103 |
| National General | $105 |
| Clearcover | $107 |
| GEICO | $111 |
| Direct Auto | $115 |
| Bristol West | $119 |
| American Family | $126 |
| Dairyland | $127 |
| The General | $127 |
| GAINSCO | $140 |
| Liberty Mutual | $152 |
| Liberty Mutual | $152 |
| Insurify Car | $162 |
| Shelter | $167 |
| Nationwide | $177 |
| Auto-Owners | $183 |
| Travelers | $184 |
| AssuranceAmerica | $199 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
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Cheapest car insurance for teen drivers in Missouri: USAA
Young drivers pay some of the most expensive average premiums by age group in Missouri — especially teens completing the state’s three-step graduated licensing program.[7]
Missouri teens can obtain an instruction permit when they’re 15, an intermediate license at 16, and a full driver’s license at 18. Missouri teens must have had the permit for at least 182 days and complete 40 hours of driving instruction before being eligible for the intermediate license.
Missouri teen drivers pay an average of $157 per month for liability insurance.
The table below shows the cheapest rates for teen drivers in Missouri.
The below rates in Missouri are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $97 |
| Progressive | $98 |
| State Farm | $119 |
| Clearcover | $146 |
| Root | $149 |
| GEICO | $166 |
| Allstate | $166 |
| Safeco | $170 |
| National General | $174 |
| Bristol West | $175 |
| Dairyland | $183 |
| Direct Auto | $186 |
| The General | $189 |
| American Family | $198 |
| GAINSCO | $209 |
| Liberty Mutual | $221 |
| Liberty Mutual | $221 |
| Insurify Car | $239 |
| Shelter | $276 |
| Nationwide | $287 |
| Auto-Owners | $309 |
| Travelers | $319 |
| AssuranceAmerica | $341 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
Cheap car insurance quotes in Missouri for senior drivers: USAA
Seniors make up an estimated 24% of Missouri drivers.[8] Having more experience driving on Missouri’s roads will typically result in lower insurance rates for you in your 60s. In Missouri, senior drivers pay $75 per month, on average, for liability insurance.
The table below shows average rates from Missouri auto insurers for senior drivers.
The below rates in Missouri are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $43 |
| Progressive | $47 |
| State Farm | $48 |
| Allstate | $68 |
| National General | $68 |
| Root | $72 |
| GEICO | $73 |
| Safeco | $73 |
| Direct Auto | $79 |
| Clearcover | $79 |
| Bristol West | $83 |
| American Family | $84 |
| Dairyland | $90 |
| The General | $90 |
| Shelter | $99 |
| GAINSCO | $100 |
| Liberty Mutual | $106 |
| Liberty Mutual | $106 |
| Nationwide | $113 |
| Insurify Car | $115 |
| Auto-Owners | $120 |
| Travelers | $123 |
| AssuranceAmerica | $130 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
Missouri car insurance quotes with bad credit: USAA
Missouri insurance companies can consider your credit history when setting your rate, and many insurers do.[9] Having a poor credit history can result in higher premiums. USAA offers the cheapest car insurance pricing for Missouri drivers with poor credit.
The table below shows the cheapest rates for drivers with bad credit in Missouri.
The below rates in Missouri are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Data reviewed by Konstantin Halachev
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $65 |
| Progressive | $70 |
| State Farm | $89 |
| Allstate | $105 |
| Safeco | $105 |
| Root | $108 |
| National General | $109 |
| Clearcover | $111 |
| GEICO | $115 |
| Direct Auto | $120 |
| Bristol West | $124 |
| American Family | $127 |
| Dairyland | $132 |
| The General | $132 |
| GAINSCO | $146 |
| Liberty Mutual | $153 |
| Liberty Mutual | $153 |
| Insurify Car | $170 |
| Shelter | $173 |
| Nationwide | $184 |
| Travelers | $192 |
| AssuranceAmerica | $206 |
| Auto-Owners | $230 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
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Missouri car insurance FAQs
Learn more about Missouri car insurance below, including how to find cheap coverage.
What’s the cheapest car insurance in Missouri?
USAA has the cheapest car insurance in Missouri, with an average rate of $53 per month for liability insurance. Progressive and State Farm are also affordable insurers, with average monthly insurance rates of $56 and $62, respectively.
Is State Farm cheaper than GEICO?
Yes. Coverage from State Farm is cheaper than GEICO in Missouri, based on Insurify data. The average monthly cost of coverage from State Farm in Missouri is $62 for liability coverage and $130 for full coverage. Missouri drivers with GEICO pay an average of $93 per month for liability coverage and $193 for full coverage.
Why is Missouri car insurance so high?
It may not feel like it, but the average cost of car insurance in Missouri is right around the national average.
That said, car insurance premiums are increasing in Missouri due to rising repair costs, inflation, insurance fraud, and more. You may also pay higher premiums if you live in one of Missouri’s larger cities, such as St. Louis, Kansas City, or Springfield, due to a higher risk of accidents and vehicle theft.
Should car insurance be $300 per month?
It depends. If you have a clean driving record in Missouri, you’ll likely pay much less than $300 per month for car insurance. Missouri drivers pay an average of $89 per month for liability-only insurance and $182 per month for full coverage. But higher-risk drivers — including teens and people with DUI convictions — may pay more for coverage.
What affects car insurance rates?
Several different factors affect car insurance rates in Missouri. Your age, driving record, credit history, vehicle type, and city can all play a role in how much you pay for coverage from your Missouri auto insurer. For example, you’ll likely pay less for coverage if you live in Independence than if you live in St. Louis.
Sources
- Missouri Department of Revenue. "Insurance Information."
- United States Census Bureau. "QuickFacts St. Louis City, Missouri."
- Missouri Senate. "HB 1047 Revises Speed Limits & Traffic Penalties."
- Missouri Department of Revenue. "Tickets and Points FAQs."
- Missouri Department of Revenue. "Driving While Intoxicated (DWI)."
- Missouri Department of Revenue. "License Reinstatement Requirements."
- Missouri Department of Revenue. "Missouri Graduated Driver License Law."
- Missouri Department of Transportation. "Older Drivers."
- Missouri Revisor of Statutes. "375.918. Underwriting, use of credit scores, no adverse action permitted — definitions — disclosures.."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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