Cheap Full-Coverage Car Insurance in Missouri (2026)
Missouri drivers can find the cheapest full-coverage car insurance from Progressive, with an average rate of $84 per month.
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Written byBen Luthi
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Ben LuthiInsurance and Personal Finance Writer
12+ years in personal finance and insurance writing
Former financial analyst
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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 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
NPN: 20564519
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Quick Facts
Full-coverage car insurance in Missouri costs an average of $180 per month, which is slightly cheaper than the national average.
Progressive typically has the cheapest full-coverage rates in Missouri, but the cheapest company is different for every driver.
Missouri’s frequent hailstorms and tornadoes can drive up comprehensive claims.
Cheapest full-coverage car insurance in Missouri
Full-coverage car insurance in Missouri costs an average of $180 per month. But rates vary by insurer. Progressive has the lowest full-coverage rates in Missouri, with an average rate of $84 per month.
Here are the cheapest full-coverage car insurance companies in the Show-Me State, according to Insurify data.
The below rates in Missouri are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Progressive | $84 |
| USAA | $89 |
| State Farm | $105 |
| Safeco | $124 |
| Allstate | $138 |
| National General | $139 |
| Root | $150 |
| Direct Auto | $155 |
| GEICO | $157 |
| Clearcover | $173 |
| American Family | $178 |
| Liberty Mutual | $183 |
| Bristol West | $209 |
| GAINSCO | $232 |
| Shelter | $236 |
| The General | $257 |
| Auto-Owners | $260 |
| Travelers | $261 |
| Dairyland | $292 |
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.
How much is full-coverage insurance in Missouri?
Full-coverage insurance in Missouri costs $180 per month on average, which is lower than the national average car insurance cost of $187 per month.
Auto insurance rates in Missouri are different for every driver. The amount you pay depends on several factors, like your driving record, age, ZIP code, coverage limits, and the vehicle you drive.
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How to find cheap full-coverage car insurance in Missouri
Here’s how to find cheap full-coverage insurance in Missouri:
Compare quotes from several companies. Rates for the same coverage vary significantly between insurers, so shopping around to get quotes from multiple companies could help you save hundreds.
Ask about discounts. Many companies offer car insurance discounts for taking a defensive driving course, having safety and anti-theft features, or insuring more than one vehicle, among other things.
Bundle coverages. Bundling your home or renters insurance with your car insurance with the same company can qualify you for a multi-policy discount.
Increase your deductibles. Higher deductibles lower your monthly cost. Just be sure you can cover the deductible after a claim.
Keep a clean driving record. Avoiding speeding tickets and at-fault accidents keeps your rates down over time.
What full-coverage car insurance covers
Full coverage isn’t a type of insurance policy. Instead, it’s a term used to describe an auto policy that combines the liability insurance Missouri requires with collision and comprehensive coverage.
Here’s what to know about each coverage type:
Liability coverage
Liability insurance covers the injuries and property damage you cause to other people in an at-fault accident. It’s the part of your policy that Missouri legally requires.
Collision coverage
Collision insurance pays to repair or replace your own car after a crash, whether you hit another vehicle or an object. It applies no matter who caused the accident.
Comprehensive coverage
Comprehensive coverage handles damage to your car that doesn’t come from a collision, such as hail, theft, fire, vandalism, flooding, or hitting a deer.
Missouri car insurance requirements include liability plus uninsured motorist coverage. The latter covers your injuries if an uninsured driver hits you.
Every driver must carry the following coverage limits:[1]
Bodily injury liability coverage: $25,000 per person and $50,000 per accident
Property damage liability coverage: $25,000 per accident
Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
Medical bills and repair costs can easily exceed the state-minimum limits, especially after a serious crash. So insurance professionals recommend buying higher limits or carrying optional coverages like underinsured motorist insurance or medical payments (MedPay).
Minimum vs. full-coverage car insurance in Missouri
Minimum-coverage insurance meets Missouri’s legal requirement but only pays for damage you cause to others and protects you from uninsured drivers. Meanwhile, full coverage adds collision and comprehensive insurance, which helps pay to fix your own car.
Here’s how the two options compare:
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Missouri | $92 | $180 |
| Covers damage to your own car? | No | Yes |
| Covers damage to other car? | Yes | Yes |
| Covers hail, theft, and weather damage? | No | Yes |
| Meets Missouri minimum requirements? | Yes | Yes |
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.
If you finance or lease, your lender almost always requires full coverage, so it’s not optional. Otherwise, it’s worth it if you own a newer or higher-value car, or if you live in an area with a high risk of theft or severe weather. Even if you own an older car outright, full coverage may be worth it if you can’t afford to replace your ride. Otherwise, liability-only coverage may suffice.
Is full-coverage car insurance worth it in Missouri?
The risk of extreme weather in Missouri can make full-coverage car insurance worth it for many drivers. According to data from the National Oceanic and Atmospheric Administration, Missouri lies in Tornado Alley and ranks among the states with the most tornadoes each year.[2] The state also experiences some of the most hail events, and severe hailstorms are increasing at an alarming rate.[3]
Comprehensive coverage — the part of full coverage that pays for hail, wind, and flood damage — can protect you from those risks, so you don’t have to worry about covering repair costs directly.
Say a spring hailstorm cracks your windshield and dents your hood and roof, causing $5,000 in damage. With liability-only insurance, you pay all of it because liability doesn’t cover your own car. With full coverage, comprehensive coverage pays for the repair, and you owe only your deductible, which may be less than $1,000. The same goes for damage from a tornado, flood, or theft.
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Pros and cons of full-coverage car insurance in Missouri
Pros
Pays to repair or replace your car after a collision, hail, theft, or fire
Keeps you compliant when a lender or leasing company requires it
Shields you from large out-of-pocket repair and replacement costs
Cons
Costs more than liability-only insurance
May not be worth it for an older car with low value
Must pay deductible before coverage applies
Full-coverage car insurance in Missouri FAQs
The following information can help you find cheap full-coverage car insurance in Missouri.
What’s the cheapest way to get full-coverage car insurance in Missouri?
To get the cheapest full-coverage car insurance in Missouri, compare car insurance quotes from several companies, ask about discounts, raise your deductibles, and maintain a clean driving record.
Which companies offer the cheapest car insurance in Missouri after a DUI?
On average, USAA offers the cheapest liability-only coverage rates for Missouri drivers with DUIs, at $63 per month. But rates for high-risk drivers can vary widely, so no single insurer is cheapest for everyone. Comparing quotes from several companies can help you find the cheapest rate after a DUI.
Is minimum liability insurance enough in Missouri?
It depends. Minimum liability insurance in Missouri meets state law, but liability-only insurance won’t cover costs to repair your own car or cover hail and theft. Drivers with loans, leases, or newer cars usually need full coverage.
Sources
- Missouri Department of Revenue. "Insurance Information."
- National Oceanic and Atmospheric Administration. "25-Year Average Number of Tornadoes per State by Month."
- Insurance Information Institute. "Facts + Statistics: Hail."
Methodology
Insurify data scientists analyzed more than 250 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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Ben LuthiInsurance and Personal Finance Writer
12+ years in personal finance and insurance writing
Former financial analyst
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in