Cheapest Auto Insurance in Columbia, Missouri (2024)

USAA offers the cheapest car insurance in Columbia, with minimum-coverage policies as low as $25 per month.

Catherine Collins
Catherine Collins

Catherine leverages her background in education and finance to write articles that help readers make informed decisions about their insurance and finances.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Updated April 25, 2024

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Cheapest recent rates near Columbia, Missouri

Drivers using Insurify have found quotes as cheap as $29/mo for liability only and $56/mo for full coverage in Columbia and other Missouri cities.

*Quotes generated for Insurify users in and around Columbia, Missouri within the last 10 days. Last updated on April 25, 2024

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 April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Columbia, Missouri within the last 10 days. Last updated on April 25, 2024

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 April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Columbia, Missouri, is a vibrant college town with a relatively low cost of living. If you live there or are considering moving there, you have many options for finding low-cost car insurance. Some of the cheapest insurers are USAA, State Farm, and Allstate, though others may better suit your needs.

The average monthly cost of auto insurance in Columbia is $85 for liability-only coverage and $202 for full coverage. The costs are generally a little cheaper than the state averages of $95 and $240, respectively.

Your car insurance costs will vary depending on your situation, deductible, coverage levels, and the number of vehicles on your policy. Always compare quotes before buying a policy.

Quick Facts
  • Columbia drivers will find the cheapest liability-only and full-coverage auto insurance rates from USAA.

  • Columbia had 15 traffic fatalities in 2023, according to the Missouri Coalition for Roadway Safety data.[1]

  • Missouri is prone to natural disasters, such as ice storms, tornadoes, and flooding, which can lead to car insurance claims.

3 of the cheapest car insurance companies in Columbia

The best car insurance company for you will depend on your insurance needs and driving history, among various other factors.

USAA is a great choice for military members, veterans, and their families. State Farm is well-suited for many drivers, especially drivers looking for specialty coverage like rideshare insurance. Travelers is great for drivers looking to bundle their auto policies with other policies, like pet and home insurance.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
USAA4.5$56$29Full coverage
State Farm4.5$67$35Rideshare coverage
Travelers4.5$155$86Bundling
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.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for full coverage: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$25/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.
$48/mo

USAA is a well-known and respected insurance company that’s been in business for more than 100 years. It has an AM Best financial strength rating of A++ (Superior) and is available in all 50 states. USAA has competitive prices for both liability-only and full-coverage car insurance in Missouri.

Pros
  • AM Best financial strength rating of A++ (Superior) and very high customer satisfaction scores

  • Some of the lowest car insurance prices in Missouri

Cons
  • Only available to military members and their families

  • Limited phone support

Read our USAA review
Bill - April 22, 2024
Verified

Reluctant Switcher

Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.

Marvin - April 21, 2024
Verified

Excellent

So far, so good.

Robert - April 19, 2024
Verified

USAA is the finest. Period.

I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.

Best insurer for rideshare coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$30/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.
$58/mo

Also very well-known and respected, State Farm offers low car insurance rates in Missouri. State Farm has an innovative app that allows you to turn on rideshare coverage when you’re working as a driver or making deliveries. This is helpful for college towns like Columbia, where many students might want to pick up a side gig.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • App makes getting rideshare coverage easy

Cons
  • Low ratings from the Better Business Bureau (BBB) and Trustpilot

  • Not as many discounts as competitors

Read our State Farm review
Walters - April 25, 2024
Verified

Good

I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.

Wanda Carole - April 22, 2024
Verified

Excellent

Check out other companies and their rates before making a decision.

Perry - April 22, 2024
Verified

Pricing

Be careful of the price quoted. It can change.

Best insurer for bundling: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$74/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.
$123/mo

Travelers Insurance has been in business for more than 165 years, with offices in the United States, Canada, and the U.K. Travelers is unique because it has many insurance offerings, including pet insurance, making it an ideal company for people who want to bundle insurance.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • Many different insurance offerings for bundling

Cons
  • More expensive than other competitors on this list

  • Low ratings from Trustpilot

Read our Travelers review
Raymond Gary - April 21, 2024
Verified

Disappointed with the Outcome

We had a very minor collision while waiting at a traffic light. The vehicle in front of us claimed we crept forward. Since there was very little damage (none to our car), we submitted the claim. To our surprise, we found that the other driver reported $3000 worth of damage to the rear of his car, with the only visible damage being a cracked piece of chrome trim at the base of the hatch. We called Travelers immediately, warning them that it was a scam. They seemed indifferent and said they would pay the claim. This could be one of the reasons why insurance rates are so expensive.

Willard - April 13, 2024
Verified

No

Too expensive.

Jeffrey - March 23, 2024
Verified

Excellent

Fast.

How to get the cheapest car insurance in Columbia

If you want to get the cheapest car insurance in Columbia, Missouri, here are a few tips:[2]

  • Compare prices. Numerous car insurance companies serve Columbia. When shopping for insurance, get quotes from three to five car insurance companies to ensure you get the best rate for your circumstances.

  • Bundle your insurance policies. If you already have home or renters insurance, ask your insurance company for quotes to add on car insurance. Many insurance companies will discount your car insurance when you purchase more than one type of insurance from them.

  • Raise your deductible. If you want a lower car insurance rate, a straightforward way to get it is by raising your deductible — the amount you’re responsible for paying after an incident or accident before your insurance kicks in. Of course, make sure you have the amount of your deductible in savings, just in case.

Cheapest liability-only car insurance in Columbia

Liability-only car insurance only covers a third party’s property and injuries in the case of an accident. It won’t cover your own property damage or medical needs.[3]

Drivers who want to save on monthly car insurance costs would be a good fit for liability-only insurance, as long as they understand the risks of being underinsured in case of an accident. Generally, however, insurance professionals recommend carrying more than your state’s minimum required amount of liability insurance to protect yourself financially if you cause an accident. Liability-only policies in Columbia, Missouri, cost an average of $85 per month.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA25
State Farm30
Allstate40
GEICO44
Safeco48
American Family51
Clearcover57
Progressive61
Shelter67
State Auto67
Nationwide71
Auto-Owners73
Travelers74
Liberty Mutual78
Midvale Home & Auto78
Direct Auto83
GAINSCO83
AssuranceAmerica92
The General93
Dairyland96
Bristol West115
Foremost126
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 full-coverage car insurance in Columbia

Full-coverage car insurance includes liability coverage and also pays for your own medical needs and property damages through collision and comprehensive coverage. It’s a good fit if you can’t or don’t want to pay for your own expenses out of pocket in case of an accident, which you’d have to do if you only had liability car insurance. And if you lease or finance your vehicle, your leasing company or lender will require you to carry full coverage.

Full-coverage policies in Columbia, Missouri, cost an average of $202 per month.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA48
State Farm58
Allstate78
GEICO85
American Family97
Safeco105
Clearcover112
Progressive118
Travelers123
Nationwide127
Shelter128
Auto-Owners141
Midvale Home & Auto146
State Auto171
Direct Auto172
Liberty Mutual178
AssuranceAmerica186
GAINSCO198
The General226
Foremost265
Dairyland298
Bristol West326
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.

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Car insurance requirements in Missouri

Missouri law states that all vehicles, whether parked or driven, must have insurance. Drivers also must be able to present their insurance information when a police officer requests it. Like many states, Missouri has specific minimum requirements for car insurance. Drivers will likely need more than the minimum to be fully covered in case of an accident, however.

Here are the minimum coverage requirements in Missouri:[4]

CoverageMinimum Requirements
Bodily injury liability
  • $25,000 per person
  • $50,000 per accident
Property damage liability
  • $25,000 per accident

Drivers should also consider getting the following optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage will pay to repair or replace your vehicle if you cause an accident or collide with another object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays to repair or replace your car if it’s damaged because of something other than an accident, such as theft, weather, flood, or vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This coverage protects you if you’re hit by an uninsured or underinsured motorist who doesn’t have enough or any coverage to pay for damages.

Cheapest car insurance for drivers with an incident

If you have a clean driving record, it’s likely you’ll qualify for some of the best car insurance rates. However, if you have a driving incident on your driving record, you’ll typically have to pay more because insurance companies consider you a riskier driver.

Some examples of driving incidents include getting speeding tickets, driving under the influence, or being in at-fault accidents.

In Missouri, drivers with a DUI pay substantially more on average than those with a clean driving record. They also pay more per month on average than those with speeding tickets and at-fault accidents on their records.

Shop for Car Insurance in Columbia

Rates start at $25/mo. for minimum coverage

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Cheapest car insurance for drivers with a speeding ticket: USAA

In Missouri, getting a speeding ticket while driving typically means an increase in auto premiums. Insurance companies consider you a riskier driver and, thus, more of a liability. So, it costs more for them to insure you. Here are the companies with the lowest average monthly liability rates for drivers with speeding tickets.

The average cost of car insurance for Columbia drivers with a speeding ticket is $123 per month for minimum coverage and $293 for full coverage.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean RecordWith Ticket
USAA2532
State Farm3038
Allstate4052
GEICO4457
Safeco4868
American Family5167
Clearcover5780
Progressive6182
Shelter6796
Nationwide7193
Auto-Owners7397
Travelers7498
Liberty Mutual78109
Direct Auto83111
GAINSCO83105
AssuranceAmerica92127
The General93125
Dairyland96129
Bristol West115152
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 for drivers with an at-fault accident: USAA

If you have an at-fault accident while driving in Missouri, your car insurance premiums will likely go up. Here are the cheapest car insurance companies offering minimum coverage for drivers with accidents on their records.

The average cost of car insurance for Columbia drivers with an at-fault accident on record is $126 per month for minimum coverage.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean RecordWith Accident
USAA2534
State Farm3040
Allstate4054
GEICO4460
Safeco4871
American Family5170
Clearcover5792
Progressive6186
Shelter6799
Nationwide7197
Auto-Owners73100
Travelers74102
Liberty Mutual78114
Direct Auto83116
GAINSCO83111
AssuranceAmerica92130
The General93131
Dairyland96133
Bristol West115156
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 for drivers with a DUI: USAA

A DUI is a serious offense. Drivers can get a DUI for driving a motor vehicle under the influence of alcohol, recreational drugs, or prescription drugs.

Each state has different legal blood alcohol level (BAC) limits. Missouri uses the term “DWI,” meaning driving while intoxicated/impaired. In Missouri, the BAC limit is 0.08 for drivers older than 21 and 0.02 for drivers younger than 21.

Here are the cheapest liability-only quotes for Columbia, Missouri drivers with DUIs. The average cost of car insurance for Columbia drivers with a DUI on record is $143 per month for liability only and $340 for full coverage.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean RecordWith DUI
USAA2540
State Farm3048
Allstate4065
GEICO4471
Safeco4878
American Family5182
Clearcover5792
Progressive6199
Shelter67102
Nationwide71115
Auto-Owners73118
Travelers74120
Liberty Mutual78126
Direct Auto83134
GAINSCO83134
AssuranceAmerica92149
The General93150
Dairyland96155
Bristol West115186
Foremost126204
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 for seniors: USAA

Older adults typically have lower car insurance rates because they’re considered experienced drivers. However, rates can go up after drivers reach age 70. Drivers 70 and older have a higher likelihood of death in a crash than drivers age 35 to 54, according to the Centers for Disease Control and Prevention. Here are the companies with the best auto insurance quotes in Columbia for senior drivers.

The average cost of car insurance for Columbia seniors is $133 per month for liability only and $133 for full coverage.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA3418
State Farm4021
Allstate5629
GEICO6031
American Family6836
Progressive7639
Safeco8137
Shelter8343
Nationwide8548
Travelers8752
Clearcover9548
Auto-Owners10052
Direct Auto11957
AssuranceAmerica12361
Liberty Mutual13158
GAINSCO14761
The General16668
Dairyland21670
Bristol West23583
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 for teens: USAA

Buying car insurance for teenagers is typically more expensive than purchasing insurance for adults. Teenage drivers lack driving experience, so insurance companies consider them riskier. The average cost of car insurance for teen drivers in Columbia is $373 per month for full coverage and $157 for liability only.

You can usually reduce the cost of a teenager’s driver’s insurance by keeping them on the family insurance policy, purchasing them a safe car, teaching them good driving habits, and utilizing discounts, like a good student discount.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
USAA8142
State Farm10253
GEICO13771
Allstate14072
American Family16989
Safeco19188
Clearcover204104
Progressive216112
Nationwide222124
Shelter225118
Travelers226136
Auto-Owners240124
Liberty Mutual307135
Direct Auto320154
GAINSCO362152
AssuranceAmerica364180
The General370152
Foremost483230
Dairyland495159
Bristol West554196
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 Cheap Car Insurance in Columbia

Minimum-coverage policies start at $42/mo. for Columbia teens

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Columbia car insurance quotes by credit tier

Missouri is one of the many states where insurance companies can incorporate your credit history when calculating insurance rates. Insurify data shows drivers with excellent credit pay around $2,000 less per year than drivers with poor credit.

If you want to increase your credit score, you have a few ways to do so. Your payment history — whether or not you pay your bills on time — makes up the largest portion of your credit score (35%). The next largest portion of your score is amounts owed (30%). That reflects the amount of debt you have in relation to the amount of credit you have.[5]

Making payments on time and reducing your debt load are two ways to improve your credit if you want to qualify for cheaper car insurance rates.

Rates 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.

Is car insurance more expensive in Columbia?

The national average cost of car insurance is $213 per month for full coverage and $104 for liability-only policies. Columbia's average car insurance rates are lower, at $202 and $85, respectively. The city’s averages are also lower than the Missouri state averages.

Car insurance rates vary by location, crime, and personal facts about drivers, such as age and driving history. If you move to another city in Missouri, your insurance rates may increase or decrease.

More cities in Missouri

Several other cities in Missouri have comparable car insurance rates to Columbia. Here is a list of other cities and how their average monthly car insurance rates compare to those in Columbia, Missouri.

CityFull CoverageLiability Only
Cape Girardeau$229$102
Independence$258$116
Jefferson City$190$77
Joplin$176$81
Kansas City$269$126
Springfield$203$96
St. Louis$325$160
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 Auto Insurance in Missouri (2024)

Cheapest Auto Insurance in Missouri (2024)

Columbia car insurance FAQs

Finding the best car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about how to find the best auto insurance in Columbia.

  • How much is car insurance in Columbia, Missouri?

    Car insurance in Columbia costs $143 per month, on average. Drivers in the state pay $202 per month for full-coverage insurance and $85 per month for liability coverage.

    The exact cost of your premium will depend on your insurer, driving record, age, credit history, vehicle type, chosen coverage level, and more.

  • What are the cheapest car insurance companies in Columbia, Missouri?

    Columbia drivers will find the cheapest car insurance rates with USAA. The insurer's liability policies start at $25 per month.

    State Farm and Allstate are the second- and third-cheapest auto insurers for Columbia drivers, with minimum-coverage rates as low as $30 and $40, respectively.

  • What are the best car insurance companies in Columbia, Missouri?

    With an Insurify Quality (IQ) Score of 4.5 out of 5 and an AM Best financial strength rating of A++ (Superior), State Farm is the best car insurance company in Columbia.

    Of the insurers Insurify has rate data for, other top Columbia choices include USAA and Allstate.

  • What are the penalties for driving without insurance in Missouri?

    Driving without insurance in Missouri is illegal. If you’re caught driving without at least the minimum amount of required coverage, you could receive four points on your driving record, lose your license for up to a year, and pay up to $400 in reinstatement fees.[6]

  • Should you purchase medical payments coverage in Missouri?

    It depends. Medical payments cover your medical costs up to your policy limits. It typically covers you and any passengers in your car, regardless of who was at fault in an accident. While it may increase your premium costs, it can be worth it if you want to fully protect yourself and your passengers.

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.

Sources

  1. Missouri Coalition for Roadway Safety. "Missouri Traffic Fatalities."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. Insurance Information Institute. "Auto Insurance Basics."
  4. Missouri Department of Revenue. "Insurance Information."
  5. Experian. "What Is a Good Credit Score?."
  6. Missouri Department of Revenue. "Missouri Driver Responsibilities and Penalties."
Catherine Collins
Catherine Collins

Catherine Collins is a freelance financial writer and author based in Detroit. She's the co-founder of MillennialHomeowner.com and MomsGotMoney.com, and author of the book Mom’s Got Money: A millennial mom’s guide to managing money like a boss. She has written for US News, Huffington Post, Money, Business Insider, Investopedia, Entrepreneur, Go Banking Rates, and many other publications. She currently resides in Detroit, Michigan with her boy-girl twins and a rescue dog named Julep.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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