Cheapest Auto Insurance in Jefferson City, Missouri (2025)
USAA offers the cheapest car insurance in Jefferson City, with minimum-coverage policies as low as $26 per month.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Though Jefferson City is the capital of Missouri, the city has a lower population and motor vehicle theft rate than many other cities in the state.[1] These two factors may partially explain why the average monthly cost of car insurance in Jefferson City is $128 per month, which is lower than the state average of $143 and the national average of $150.
Here’s what you need to know about finding cheap car insurance in Jefferson City.
Quick Facts
USAA, State Farm, and Allstate have the cheapest liability insurance in Jefferson City.
Jefferson City drivers pay $81 per month for liability insurance and $174 for full-coverage insurance, on average.
Auto insurers in Missouri can consider your credit-based insurance score when determining insurance premiums.[2]
3 of the cheapest car insurance companies in Jefferson City
Comparing quotes from multiple insurers is the best way to find affordable coverage that meets your needs. You should also consider consumer reviews, customer service scores, coverage offerings, and available discounts when looking into various companies.
The best choice for you is the company that meets your insurance needs and offers coverage within your budget. USAA, State Farm, and Allstate are three of the cheapest car insurance companies in Jefferson City. The quotes listed reflect average costs for drivers across the state of Missouri.
Insurance Company  | 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. | Full Coverage | Liability Only | Best for |
|---|---|---|---|---|
| USAA | 9.4 | $54 | $29 | Veterans |
| State Farm | 9.3 | $64 | $35 | Cheap rates |
| Allstate | 8.9 | $87 | $47 | Student drivers |
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.
Our editorial team spent more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for veterans: 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. | 9.4 /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. | $26/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. | $50/mo |
4.9
Best choiceBased on 1,987 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 (1,151)
Linda
April 27, 2025
Verified Review
Car
It has been very easy, and the customer service has been good.
James
April 26, 2025
Verified Review
Very poor
Very poor. I would never go back to them. They raised my rates by $30 to $50 every six months.
Tom
April 26, 2025
Verified Review
I made a choice that I'm not so sure was a smart move.
All done on the computer. Have not had any face-to-face or telecommunications with people. USAA wants to monitor personal driving habits of an individual who drives just about 30 miles a week, is an octogenarian, and rarely goes out. If there is no response to their monitoring, they hike the insurance rates automatically for "lack of monitoring."
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.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
Veterans make up 8% of Missouri’s adult population.[3] Veterans and their families can benefit from USAA’s membership services and find lower car insurance rates. USAA also sells other insurance products, like business insurance, homeowners insurance, and renters insurance.
Although USAA doesn’t qualify for a formal ranking on the J.D. Power 2023 U.S. Auto Insurance Study for customer satisfaction, it tends to earn higher overall customer satisfaction in Missouri than other insurance companies. However, limited customer service hours make it difficult to reach a live agent 24/7.
Pros
Offers pay-as-you-drive auto insurance
Exclusive savings and benefits through enrollment programs
Cons
Only available to current, reserve, and retired military members and their families
No 24/7 live customer service
Best insurer for cheap rates: State Farm
| User Reviews | 4.2 |
|---|---|
| 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. | $31/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. | $59/mo |
4.2
Best choiceBased on 10,736 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 (5,879)
Stephen
April 28, 2025
Verified Review
State Farm Insurance Review
Easy and friendly.
Robert
April 28, 2025
Verified Review
Frustrated 😠
I'm overpaying for my age and miles driven. I average less than 6,000 miles a year. We bought the Fit new in 2010 and 15 years later we've put on 70,000 miles.
Marfaret
April 28, 2025
Verified Review
Very good and pleased
I've never had problems with them.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.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
The largest national insurance company by market share, State Farm is one of the five largest insurance companies operating in Missouri. State Farm also has an AM Best financial strength rating of A++ (Superior), which means it’s in a great position to pay out claims.
The company offers some of the cheapest coverage in Jefferson City. Policyholders can also benefit from State Farm’s discounts and options to bundle auto insurance coverage with home insurance, life insurance, and more.
Pros
Below-average number of customer complaints filed with the National Association of Insurance Commissioners (NAIC)
Customizable coverage options
Cons
Doesn’t offer gap insurance
Fewer discounts than some competitors
Best insurer for student drivers: Allstate
| 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. | 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. | $42/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. | $80/mo |
4.0
Best choiceBased on 6,593 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 (3,572)
Nanette
April 28, 2025
Verified Review
Never again!
They are very expensive and they don't work well with their clients.
Samantha
April 28, 2025
Verified Review
Misguided and overpriced
It seemed like I was getting a great deal at first, but then they came back and charged me more money 3 months later. Then my insurance went up! I went to another company and they cut my cost literally in half.
John
April 28, 2025
Verified Review
Busy Parent
I didn’t receive notifications when my policy lapsed. I had my policy on auto-pay through a credit card. The card expired, and I didn’t know until I checked my credit card website to pay the bill. If the agency had been open the day I caught it, I could have saved my policy. The woman I spoke to was very rude. Moral of the story: no auto-pay for me. I’ll stick to the good old days and speak to a human. GEICO was a better and cheaper company than Allstate; I should have never switched. I realize it was my fault for the lapse, but I am 46 years old, and it was the first time I ever let a policy lapse. I work 12-16 hour days, and my kids are in all sorts of sports, so I am busy on my days off. Notifications help. Allstate isn’t very good with reminders. I paid more with Allstate than with GEICO, but at least GEICO sends a reminder via text when your policy is due and when it will be taken out.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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
Teens and young drivers in Jefferson City, and elsewhere in the country, typically pay higher rates than drivers in other age groups. Allstate is a good option for young drivers to consider because it offers 11 different discounts, including a smart student discount for drivers younger than 25.
Allstate also offers programs to help teens improve their driving habits, like Drivewise and teenSMART. And if a young driver has an accident, an accident forgiveness program can help keep rates as low as possible.
Pros
Programs designed for young drivers
24/7 roadside assistance available through mobile app
Cons
Below-average J.D. Power customer satisfaction ranking in the Central region
Some negative online customer reviews
Find Cheap Car Insurance in Jefferson City
Liability quotes start at $26 per month
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Based on 3,806+ reviews
4.8/5
How to get the cheapest car insurance in Jefferson City
Rather than searching for the cheapest motor vehicle insurance available, you should look for the coverage options you need at the lowest prices offered. Although you can’t control how factors like your ZIP code, crime rates in your area, and age influence car insurance rates, you can still take action to save money.
Here are some tips to help you save:
Shop around. It’s a good idea to compare quotes annually to see the different rates available to you. Prices for car insurance fluctuate, so even if the national average increases, you may find that rates in Jefferson City decrease due to competition between local insurance companies.
Take advantage of discounts. Most insurance companies offer a variety of discounts. You can earn some discounts right away, like those for having vehicle safety features. Other savings come with time, such as discounts for remaining accident-free or for being a loyal customer.
Increase your deductible. If you increase your deductible, you’ll typically pay a lower car insurance premium. As long as you can afford potentially paying out your deductible, you can increase it to benefit from lower average rates.[4]
Cheapest liability-only car insurance in Jefferson City: USAA
Like in most states, Missouri drivers must carry a minimum amount of liability insurance to pay for the other driver’s injuries and damages if you cause an accident. It won’t cover your injuries or vehicle damages.
The average cost of liability insurance in Jefferson City is $81 per month. Compare some of the cheapest coverage options below.
The below rates are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $26 |
| State Farm | $31 |
| Allstate | $42 |
| GEICO | $45 |
| American Family | $52 |
| Progressive | $63 |
| Clearcover | $65 |
| Shelter | $69 |
| Nationwide | $73 |
| Travelers | $76 |
| Root | $76 |
| Auto-Owners | $76 |
| Safeco | $81 |
| Direct Auto | $81 |
| National General | $84 |
| Bristol West | $107 |
| Dairyland | $109 |
| GAINSCO | $116 |
| Foremost | $120 |
| The General | $121 |
| AssuranceAmerica | $130 |
| Liberty Mutual | $149 |
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 Jefferson City: USAA
Unlike liability-only coverage, a full-coverage insurance policy includes optional coverages like collision and comprehensive insurance. If you have a vehicle loan or lease, your lender may require you to purchase this coverage. Even if your lender doesn’t require it, you should consider purchasing it for vehicle protection.
Full-coverage car insurance in Jefferson City costs $174 per month, on average. Here are some of the cheapest full-coverage insurance options for drivers in the city.
The below rates are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $50 |
| State Farm | $59 |
| Allstate | $80 |
| GEICO | $87 |
| American Family | $100 |
| Progressive | $121 |
| Clearcover | $132 |
| Shelter | $132 |
| Safeco | $140 |
| Nationwide | $140 |
| Auto-Owners | $145 |
| Travelers | $146 |
| Root | $149 |
| Direct Auto | $156 |
| National General | $169 |
| Liberty Mutual | $259 |
| The General | $269 |
| Bristol West | $278 |
| GAINSCO | $288 |
| Foremost | $311 |
| Dairyland | $338 |
| AssuranceAmerica | $392 |
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 recent rates near Jefferson City, Missouri
Drivers using Insurify have found quotes as cheap as $35/mo for liability only and $95/mo for full coverage in Jefferson City and other Missouri cities.
*Quotes generated for Insurify users in and around Jefferson City, Missouri within the last 10 days. Last updated on April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Jefferson City, Missouri within the last 10 days. Last updated on April 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ 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 28, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Missouri
Missouri state law requires drivers to purchase a minimum amount of liability car insurance, including bodily injury and property damage insurance. Every auto policy insurer in Missouri must offer at least the minimum liability coverage required by the state.
Here are the specific requirements Missouri drivers must meet:[5]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured motorist bodily injury | $25,000 per person / $50,000 per accident |
Because liability insurance doesn’t cover your damages and loss after an accident, you may want to purchase other optional coverages for greater protection. Common coverages to consider include the following:
Comprehensive coverage
Comprehensive insurance covers damages to your car from non-collision incidents, such as theft, weather damage, and severe weather like fire or flooding.
Collision coverage
If you collide with another vehicle or object, collision insurance pays for damages to your car, regardless of fault.
Medical payments coverage
Following a car accident, medical payments coverage can pay the medical bills for you and your passengers.
Compare Jefferson City Car Insurance Quotes
Monthly liability insurance starts at $26
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Cheapest car insurance for drivers with an incident
Having one or more past driving incidents on your record can increase your car insurance rates. Incidents include speeding tickets, at-fault accidents, DUIs, and other moving violations, like a fender bender.
Auto insurers view people with past incidents as higher-risk drivers more likely to have an accident, so they increase premiums accordingly. Jefferson City drivers with a past incident pay an average of $104 per month for liability car insurance.
Compare the cost of liability insurance by driving record in Jefferson City below.
The below rates are estimated rates current as of: Tuesday, April 22 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| USAA | $26 | $34 | $36 | $43 |
| State Farm | $31 | $40 | $42 | $51 |
| Allstate | $42 | $55 | $58 | $70 |
| GEICO | $45 | $59 | $62 | $74 |
| American Family | $52 | $69 | $72 | $86 |
| Progressive | $63 | $84 | $89 | $104 |
| Clearcover | $65 | $87 | $99 | $108 |
| Shelter | $69 | $96 | $101 | $106 |
| Nationwide | $73 | $97 | $102 | $121 |
| Travelers | $76 | $101 | $106 | $126 |
| Root | $76 | $110 | $114 | $116 |
| Auto-Owners | $76 | $102 | $106 | $126 |
| Safeco | $81 | $110 | $117 | $131 |
| Direct Auto | $81 | $108 | $115 | $134 |
| National General | $84 | $110 | $114 | $139 |
| Bristol West | $107 | $143 | $148 | $177 |
| Dairyland | $109 | $144 | $150 | $180 |
| GAINSCO | $116 | $162 | $155 | $192 |
| The General | $121 | $166 | $172 | $200 |
| AssuranceAmerica | $130 | $168 | $173 | $215 |
| Liberty Mutual | $149 | $208 | $217 | $247 |
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.
Average cost of car insurance by age
Your age plays a significant role in auto insurance premiums because certain age groups pose higher risk. Teenagers typically pay the highest car insurance rates due to a lack of driving experience. Most drivers will see rates decline between ages 35 and 70.
Senior drivers comprise 21% of licensed drivers on the road in Missouri.[6] Car insurance policyholders older than 70 may face increased insurance rates due to the risk of aging-related mobility or cognitive issues.
The following table compares the average monthly quote for Jefferson City drivers of different age categories.
Age | Average Monthly Quote |
|---|---|
| Teens | $352 |
| 20s | $252 |
| 30s | $177 |
| 40s | $153 |
| 50s | $136 |
| 60s | $124 |
| 70s | $134 |
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.
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Jefferson City car insurance quotes by credit tier
Missouri allows insurance companies to look at snapshots of a driver’s credit history to influence rates. However, state law prohibits insurers from setting a rate purely on this information alone.
Drivers with excellent or good credit scores usually pay lower rates than drivers with poor credit scores. Compare the average cost of full-coverage car insurance in Jefferson City by credit tier below.
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.
Jefferson City car insurance FAQs
Before shopping around for quotes, you should determine the right amount of car insurance for your needs. The following information should help you find cheap car insurance in Jefferson City.
How much is car insurance in Jefferson City?
The overall cost of car insurance in Jefferson City is $128 per month, on average. Drivers in the city pay $81 per month for liability insurance and $174 for full-coverage insurance, on average. Ultimately, how much you pay for coverage will depend on your driving record, age, ZIP code, and more.
Which companies have the cheapest car insurance in Jefferson City?
USAA has a monthly liability insurance rate of $26, making it the cheapest car insurance company in Jefferson City. State Farm and Allstate also offer cheap coverage, with respective liability insurance rates of $31 and $42 per month.
The best way to find cheap coverage is to compare quotes from multiple insurers at the same time.
What are the best car insurance companies in Jefferson City?
With a high customer satisfaction ranking in the J.D. Power 2023 U.S. Auto Insurance Study, an AM Best financial strength rating of A++ (Superior), and a high Insurify Quality (IQ) Score of 9.3 out of 5, State Farm is the best car insurance company in Jefferson City. Missouri drivers with coverage from State Farm pay $35 per month for liability insurance and $64 for full-coverage insurance.
Other top auto insurers include Allstate, USAA, and Travelers.
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
- 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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Sources
- Federal Bureau of Investigation. "Missouri: Offenses Known to Law Enforcement by City, 2019."
- Missouri Department of Insurance. "Credit History and Insurance FAQs."
- Housing Assistance Council. "Supporting Veterans in Missouri."
- Insurance Information Institute. "How to save money on car insurance."
- Missouri Department of Revenue. "Insurance Information."
- Missouri Department of Transportation. "Older Drivers."
)
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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