Cheapest Auto Insurance in Missouri (2025)

Drivers in the Show-Me State pay an overall average of $143 per month for car insurance, which is in line with the overall national U.S. average of $151 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.

Here’s what you should know about comparing car insurance quotes and finding coverage in Missouri.

6 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.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $73/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $86/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $117/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $137/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $102/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $205/mo*
Overall rating 4.9 1,192 reviews	Overall rating 4.1 6,040 reviews	Overall rating 3.9 3,653 reviews	Overall rating 4.0 6,429 reviews	Overall rating 3.3 6,911 reviews	Overall rating 4.3 485 reviews
Value for money 4.9/5	Value for money 3.8/5	Value for money 3.6/5	Value for money 3.8/5	Value for money 3.3/5	Value for money 4.0/5
Customer service 4.7/5	Customer service 4.1/5	Customer service 3.8/5	Customer service 3.9/5	Customer service 3.3/5	Customer service 4.1/5
Claims handling 4.9/5	Claims handling 4.1/5	Claims handling 3.9/5	Claims handling 4.1/5	Claims handling 3.5/5	Claims handling 4.4/5
Special highlight AI-generated from 1192 user reviews Members of the military community	Special highlight AI-generated from 6040 user reviews Customer service	Special highlight AI-generated from 3653 user reviews Accident forgiveness	Special highlight AI-generated from 6429 user reviews Teen drivers	Special highlight AI-generated from 6911 user reviews Competitive rates	Special highlight AI-generated from 485 user reviews Usage-based savings

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

USAA

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User Reviews	4.9 1,192 reviews
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.	$57/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

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Driver Reviews

4.9

Best choiceBased on 2,100 verified guest reviews and ratings

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.

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

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,192)

John

June 17, 2025

Verified Review

USAA Critique

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.

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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

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

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User Reviews	4.1 6,040 reviews
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.	$67/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.	$104/mo

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Driver Reviews

4.1

Best choiceBased on 11,257 verified guest reviews and ratings

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.

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

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.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,040)

Tammi

June 29, 2025

Verified Review

State Farm is financially greedy

State Farm is ridiculously expensive!

Dorothy

June 28, 2025

Verified Review

State Farm for the average person

My agent is exceptional!

James

June 28, 2025

Verified Review

I wouldn't recommend them because they keep raising rates with every birthday. My car used to cost around $300 every 6 months, now it is over $500 in just 4 years. No claims have been made and no tickets or DUIs, just rate increases.

I wouldn't recommend them because they keep raising rates with every birthday. My car used to cost around $300 every 6 months, now it is over $500 in just 4 years. No claims have been made and no tickets or DUIs, just rate increases.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

647

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

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

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User Reviews	3.9 3,653 reviews
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.	$92/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.	$142/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 6,847 verified guest reviews and ratings

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

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 friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

Reviews (3,653)

David

June 28, 2025

Verified Review

Insurance

It's hard to get a hold of an agent. Agencies switched, resulting in a lot of back-and-forth phone calls.

Leeland

June 26, 2025

Verified Review

Frustrating

Don't use this company. A fire in California will raise your rates even if you don't live there.

Hope

June 25, 2025

Verified Review

Good

It's been fine until the rates went up without notification.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

629

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

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 $57 per month for liability coverage

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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 $96 per month. The following table shows some insurance companies that offer the cheapest liability-only car insurance in Missouri.

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 $189 per month in Missouri. Check out the table below for the cheapest full-coverage car insurance companies in Missouri.

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]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$25,000 per accident

If you want additional protection, consider these optional coverages:

• 

  Collision coverage

  Collision insurance covers 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.

Shop for Car Insurance in Missouri

Monthly rates start at $66 for drivers with an incident

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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 $233 per month for full coverage and $118 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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
USAA	$57	$70
State Farm	$67	$81
Progressive	$71	$87
Allstate	$92	$112
Safeco	$93	$117
National General	$93	$114
Direct Auto	$95	$117
Root	$95	$124
Clearcover	$107	$136
Bristol West	$108	$134
GEICO	$109	$134
American Family	$114	$141
Dairyland	$120	$147
GAINSCO	$130	$152
The General	$134	$173
Shelter	$152	$195
Nationwide	$161	$199
AssuranceAmerica	$162	$191
Auto-Owners	$166	$206
Travelers	$167	$206
Liberty Mutual	$184	$232

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $241 per month for full coverage and $123 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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
USAA	$57	$73
State Farm	$67	$84
Progressive	$71	$93
Allstate	$92	$117
Safeco	$93	$125
National General	$93	$117
Direct Auto	$95	$124
Root	$95	$124
Clearcover	$107	$153
Bristol West	$108	$138
GEICO	$109	$139
American Family	$114	$146
Dairyland	$120	$152
GAINSCO	$130	$161
The General	$134	$177
Shelter	$152	$199
Nationwide	$161	$206
AssuranceAmerica	$162	$195
Auto-Owners	$166	$211
Travelers	$167	$214
Liberty Mutual	$184	$238

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $304 per month for full coverage and $155 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: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
USAA	$57	$88
State Farm	$67	$103
Progressive	$71	$109
Allstate	$92	$142
Safeco	$93	$149
National General	$93	$143
Direct Auto	$95	$146
Root	$95	$146
Clearcover	$107	$165
Bristol West	$108	$166
GEICO	$109	$175
American Family	$114	$176
Dairyland	$120	$185
GAINSCO	$130	$200
The General	$134	$206
Shelter	$152	$234
Nationwide	$161	$248
AssuranceAmerica	$162	$250
Auto-Owners	$166	$256
Travelers	$167	$257
Liberty Mutual	$184	$283

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $154 for full coverage and $78 for liability only.

The table below highlights the insurance companies in Missouri offering car insurance for seniors.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$45	$70
Progressive	$50	$94
State Farm	$51	$79
National General	$70	$137
Allstate	$73	$112
Direct Auto	$73	$145
Safeco	$79	$138
Root	$79	$165
Bristol West	$86	$211
American Family	$88	$137
GEICO	$89	$134
Clearcover	$91	$170
Dairyland	$95	$297
The General	$105	$229
GAINSCO	$106	$257
Shelter	$109	$169
Nationwide	$118	$183
AssuranceAmerica	$122	$334
Travelers	$128	$199
Auto-Owners	$130	$201
Liberty Mutual	$150	$237

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $363 per month for full-coverage car insurance and $184 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 as good student discounts for 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.

The table below highlights Missouri insurance companies offering the cheapest car insurance for teenagers.

The below rates are estimated rates current as of: Monday, June 16 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Liability Only	Average Quote: Full Coverage
USAA	$106	$165
State Farm	$128	$199
Progressive	$133	$247
Root	$165	$346
Allstate	$183	$282
Direct Auto	$190	$379
National General	$193	$380
Safeco	$194	$340
Clearcover	$196	$364
Bristol West	$198	$485
Dairyland	$204	$637
GEICO	$209	$317
American Family	$215	$334
The General	$233	$509
GAINSCO	$247	$601
Shelter	$295	$456
Auto-Owners	$302	$468
Nationwide	$315	$487
AssuranceAmerica	$326	$890
Travelers	$332	$516
Liberty Mutual	$337	$534

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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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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 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.

Missouri car insurance FAQs