Car Insurance Discounts in Missouri
Some popular car insurance discounts in Missouri include multi-policy, multi-vehicle, and safe driver discounts.
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Written byCatherine Hiles
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Catherine HilesInsurance, Personal Finance Writer
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Missouri car insurance discounts at a glance
Discount Type | Maximum Advertised Savings |
|---|---|
| Bundling | 40% |
| Multi-car | 25% |
| Good driver | 33% |
| Telematics | 30% |
| Low-mileage discount | 25% |
| Good student | 15% |
| Student away from home | Varies |
| Safety features | Varies |
| Military deployment | 60% |
| Claims-free | 22% |
| Loyalty | 10% |
| Automatic payments or paid in full | 12% |
| Online signature | 10% |
| Online quote | 7% |
Best companies for discounts in Missouri
Many Missouri insurers offer discounts to help lower your premiums. Here are three of the best car insurance companies in Missouri for discounts.
GEICO
| 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. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $80/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. | $157/mo |
4.0
Best choice in MissouriBased on 20,525 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.9 | 2.9 |
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
Based on analysis of verified reviews collected by Insurify
Best in Missouri for
Showing 14 reviews from Missouri driversSee all 8,143 GEICO reviews
Verified Review
Reviewed in Missouri on July 30, 2026
Quality has decreased while premiums increase almost annually.
Verified Review
Reviewed in Missouri on June 16, 2026
They are charging too much and now want $30 more a month. I'm paying $98.97 for just liability and I'm a senior. Now they want $127.97 a month. Do not recommend.
Verified Review
Reviewed in Missouri on May 31, 2026
Rates keep going up the older I get. My car gets older as well. I’m retired and don’t drive very far anymore!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO offers numerous notable car insurance discounts for Missouri drivers. If you insure more than one vehicle through GEICO, you could save up to 25% on your car insurance premiums. GEICO also offers a telematics program called DriveEasy, which advertises a 5% discount for safe driving.
Pros
Multi-vehicle discount of up to 25%
Telematics discount of up to 15%
Above-average J.D. Power customer satisfaction rating in the Central region[1]
Cons
No senior discount
Poor Trustpilot rating
Can’t bundle life insurance with auto
Progressive
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 638 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $60/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $84/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Based on analysis of verified reviews collected by Insurify
Best in Missouri for
Showing 50 reviews from Missouri driversSee all 9,038 Progressive reviews
Verified Review
Reviewed in Missouri on August 31, 2026
My cost went up, and I found a local broker who saved me $140 a month. Charging a 50-year-old male with no wrecks or tickets over $300 a month is crazy.
Verified Review
Reviewed in Missouri on August 18, 2026
They’re good, but I think they overcharge.
Verified Review
Reviewed in Missouri on August 4, 2026
I haven’t had to talk with anyone since I purchased it, which is a good thing.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Progressive offers Missouri drivers four different safe driving discounts. You’ll get an automatic discount after three years without an accident, then another discount after five years of accident-free driving. Progressive’s Snapshot telematics program advertises an average saving of $328 per year just for driving safely. Signing up can help you save even more.
Pros
Multiple safe-driver discounts available
Generous bundling discount
Multiple add-on coverage options
Cons
Below-average J.D. Power customer satisfaction rating in the Central region
Poor Trustpilot rating
Rates may increase with high-risk driving
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. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $46/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $89/mo |
4.9
Best choice in MissouriBased on 4,261 verified driver reviews and ratings
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Based on analysis of verified reviews collected by Insurify
Best in Missouri for
Showing 6 reviews from Missouri driversSee all 1,684 USAA reviews
Verified Review
Reviewed in Missouri on July 10, 2026
I was very disappointed with the customer service I received from a representative at your company. She put me on hold several times, and the last time I was on hold for 15 minutes. When I asked why, she criticized me, saying I wasn’t the only person she was helping. I was calling to buy more insurance, but now I’m just waiting for my coverage to expire so I can change companies.
Verified Review
Reviewed in Missouri on June 7, 2026
USAA is a good company, but you must be a service member, veteran, or a family member to apply.
Verified Review
Reviewed in Missouri on May 31, 2026
USAA has always been helpful and easy to work with.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
759
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
USAA boasts a few unique discounts to help active Missouri military members save on car insurance. During deployment, members save 25%. You can also save up to 60% for storing your vehicle while away on active duty and get up to 15% off comprehensive coverage for keeping your vehicle in a garage on base.
Pros
Unique discounts for military members
Telematics discount of up to 30%
Highest J.D. Power customer satisfaction rating in the Central region
Cons
Available only to active-duty military, veterans, and eligible family members
No local agents available
No 24/7 phone support
Largest car insurance discounts available in Missouri
Missouri auto insurance discounts vary from one insurance company to the next. Missouri doesn’t have a law requiring insurers to offer specific discounts, which means it’s up to each company to decide which ones to offer.
The best way to find the biggest discounts and get the cheapest car insurance in Missouri is to compare several quotes, making sure the coverage level is the same for each quote.
Discount Type | Potential Savings | Eligibility Criteria | Missouri Insurer With Largest Discount |
|---|---|---|---|
| Bundling | 40% | Buy more than one type of policy | American Family |
| Multi-car | 25% | Insure more than one vehicle on the same policy | Progressive |
| Good driver | 33% | Maintain a clean driving record with no incidents | Progressive |
| Telematics | 30% | Participate in the insurance company’s telematics program | State Farm |
| Low-mileage discount | 25% | Participate in the insurance company’s telematics program | American Family |
| Good student | 15% | Maintain a certain grade average (varies by insurance company) | GEICO |
| Military deployment discount | 60% | Must be active-duty military | USAA |
| Claims-free discount | 22% | Go a certain number of years without filing an insurance claim | GEICO |
| Loyalty | 10% | Stay with the same insurer for a set amount of time | USAA |
| Automatic payments or paid in full | 12% | Pay your premiums automatically each month, or pay in full at time of purchase | Direct Auto |
| Online signature discount | 10% | Sign your policy documents virtually | Progressive |
| Online quote discount | 7% | Get an insurance quote online | Progressive |
Find Cheap Car Insurance in Missouri
Liability policies average $92/mo.
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Easiest Missouri car insurance discounts to qualify for
Some Missouri car insurance discounts are easier to qualify for than others. For example, Progressive gives you an average discount of 7% just for getting an online quote. Then, if you sign your documents online, you can save an additional 10%.
Missouri doesn’t require insurers to offer car insurance discounts to customers. The following table shows some of the easiest discounts to qualify for in Missouri. But potential savings and eligibility requirements vary widely by insurer.
Discount | Potential Savings | How to Qualify |
|---|---|---|
| Bundling | Up to 40% | Buy two or more policy types from the same insurer |
| Multi-car | Up to 25% | Insure two or more vehicles under the same policy |
| Good driver | Up to 33% | Maintain good driving habits and avoid speeding tickets, DWIs, and accidents |
| Verified mileage discount | Up to 25% | Participate in the company’s telematics program |
| Telematics/usage-based discount | Up to 30% | Participate in the company’s telematics program |
How to maximize your Missouri car insurance discounts
Maximizing your car insurance discounts in Missouri doesn’t have to be complicated. Follow these tips to find the best discounts to lower your premiums:[2]
Bundle your car insurance policy with homeowners insurance, renters insurance, or another qualifying policy.
If you have more than one car, insure them under the same policy.
Sign up for your insurer’s telematics program.
Stack discounts to maximize your savings.
If you’re a member of a professional association, like the Missouri State Teachers Association or the Missouri Hospital Association, check whether your insurer offers an affinity discount.
Ask your insurer about any discounts you might qualify for but aren’t currently getting.
How to apply car insurance discounts to your policy in Missouri
Don’t assume your insurer will apply discounts automatically to your policy. The following steps can help Missouri drivers maximize potential discounts and minimize insurance costs:
Contact your insurance company. Reach out to your insurance company or agent and ask them to apply all applicable discounts to your policy.
Provide documents for verification if required. Some discounts may require proof of eligibility, so make sure you have any necessary documents ready to give to your insurer.
Verify the savings. Review your policy documents to confirm all discounts have been applied and are reflected in your new rate.
Review your policy at renewal time. Before you renew your policy, ask about any new discounts that could lower your premiums.
Shop around regularly. Don’t assume you’re getting the best deal. Compare quotes regularly, noting coverage and discount opportunities.
Compare Missouri Car Insurance Quotes
Find a policy and save money with discounts
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Cheapest car insurance for Missouri drivers
Car insurance in Missouri costs an average of $136 per month. That’s slightly less than the national average cost of $143 per month but higher than the Illinois average of $123.
Costs are projected to increase 0.7% by the end of 2026, according to Insurify data.
The table below shows the average quotes for liability and full-coverage insurance in Missouri by insurance company.
The below rates in Missouri are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| USAA | $46 | $89 |
| State Farm | $55 | $105 |
| Progressive | $60 | $84 |
| Safeco | $71 | $124 |
| National General | $74 | $139 |
| Clearcover | $75 | $173 |
| Allstate | $80 | $138 |
| GEICO | $80 | $157 |
| Direct Auto | $82 | $155 |
| Root | $82 | $150 |
| The General | $89 | $257 |
| Bristol West | $90 | $209 |
| American Family | $93 | $178 |
| Dairyland | $96 | $292 |
| GAINSCO | $98 | $232 |
| Liberty Mutual | $105 | $183 |
| Shelter | $122 | $236 |
| Auto-Owners | $134 | $260 |
| Travelers | $136 | $261 |
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.
Car insurance discounts in Missouri FAQs
If you’re shopping for cheap car insurance in Missouri, the following information can help you find the best discounts to match your policy to your budget.
What are the eligibility requirements for car insurance discounts in Missouri?
The state of Missouri lets each car insurance company determine available discounts and eligibility requirements for policyholders. Ask your insurer which discounts you qualify for.
What car insurance discounts are available in Missouri for safe drivers?
Depending on the insurer, safe drivers in Missouri may be eligible for good driver discounts and savings for being accident-free. Signing up for a telematics program that rewards safe driving behaviors with lower rates can also help you save.
What car insurance discounts are available for students in Missouri?
Common types of student discounts for Missouri drivers include savings for good grades and discounts for students away at school. But discounts vary between insurers, so check with your insurer about availability.
Sources
- J.D. Power. "2026 U.S. Auto Insurance Study."
- Missouri Department of Insurance. "Tips on Lowering Premiums."
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Catherine HilesInsurance, Personal Finance Writer
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in