120+ more*Quotes generated for Insurify users from Missouri within the last 10 days. Last updated on September 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Missouri within the last 10 days. Last updated on September 16, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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Licensed auto and home insurance agent
4+ 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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25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
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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.
Updated
Cheapest car insurance company in Missouri: USAA
Cheapest car insurance rate in Missouri: $46
Average monthly liability-only car insurance cost in MO: $92
Average monthly full-coverage car insurance cost in MO: $180
To find the cheapest car insurance in Missouri, Insurify analyzed auto insurance quotes from 120+ insurers. The sample profile we used is a driver with a clean record and good-to-excellent credit.
Based on Insurify’s quote data, the cheapest car insurance companies in Missouri are USAA, State Farm, and Progressive.
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7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote: Liability Only | Average Monthly 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 |
Agent Tip: Does liability-only coverage offer enough protection?
“You can legally drive in Missouri as long as you meet the state’s minimum liability insurance requirements. But because liability insurance only pays for damage and injury you cause to another driver, minimum coverage may not provide enough financial protection if you cause a car accident. You’d be at risk of paying out of pocket for damages exceeding your policy limits, as well as your own vehicle repairs.”
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Missouri drivers have many options for auto insurance. Not all companies are the same, though, and each one has different strengths. These are some of the top-rated auto insurers in Missouri based on Insurify-compiled reviews from real policyholders.
| 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 |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Missouri drivers seeking full-coverage car insurance can find some of the lowest average rates from Progressive. The company claims that drivers who switch to Progressive save an average of $900 per year.
Some of the cheapest average full-coverage premiums in Missouri
Many available auto insurance discounts and add-ons
Generous accident forgiveness program
Below-average J.D. Power customer satisfaction rating in the Central region
Gap insurance not available
Low Trustpilot rating
| 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 |
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 |
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.
Missouri is home to nearly 350,000 military veterans. For active-duty and retired military personnel and their immediate family members, USAA offers some of the cheapest liability-only insurance rates.
Cheap rates for state-minimum liability coverage
Two usage-based insurance programs: safe driving and pay-per-mile
Good selection of discounts
Available only to military members, veterans, and their families
Lower multi-policy discount than other insurers
No in-person agents in Missouri
| User Reviews | 4.3 |
|---|---|
| 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. | 8.1 /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. | $122/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. | $236/mo |
Shelter's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.4 | 2.9 |
Customers appreciate the clear communication and friendly service but dislike the unexpected rate increases and difficult website navigation.
In the Central region, which includes Missouri, Shelter ranked highest in the J.D. Power U.S. Auto Insurance Study for customer satisfaction.
Top-rated by J.D. Power for overall customer satisfaction
Various discounts, including savings for drivers who switch to Shelter
Multiple endorsements for added protection, like roadside assistance
No usage-based insurance programs
Mobile app has lower ratings than those of competitors
No accident forgiveness
| User Reviews | 3.4 |
|---|---|
| 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. | 8.4 /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. | $105/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. | $183/mo |
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.5 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.4 | 3.1 |
| Value | 3.0 | 2.9 |
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
Liberty Mutual offers more than a dozen car insurance discounts, with savings for homeowners, military personnel, good students, claims-free drivers, and more. If you bundle your auto and home insurance, Liberty Mutual says customers could save up to $950 per year.
Many available car insurance discounts
RightTrack telematics program rewards safe driving
Above-average J.D. Power claims satisfaction rating
Slightly higher rates than the statewide average
Low J.D. Power customer satisfaction rating in the Central region
No rideshare insurance
We evaluated insurers operating in Missouri using a combination of Insurify customer reviews, financial strength ratings, claims satisfaction studies, complaint ratios, coverage options, and pricing data. We also considered factors particularly relevant to Missouri drivers, including traffic and urban congestion, road accidents, and the availability of local agents throughout the state.
The average cost of car insurance in Missouri is $180 per month for full coverage and $92 per month for liability-only coverage. Missouri drivers pay slightly less for auto insurance than the national monthly averages of $187 for full coverage and $98 for liability-only coverage.
While Missouri has a high percentage of uninsured drivers, it also has a lower population density than several neighboring states, including Kentucky, Tennessee, and Illinois. Fewer drivers on the road means a lower risk of accidents and claims.
Insurify partners with 120+ top insurers for real-time quotes
Car insurance quotes vary by city and ZIP code. Below, you can see the average full-coverage and liability-only rates for various cities in Missouri.
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Jefferson City | $77 | $167 |
| Joplin | $77 | $150 |
| Columbia | $79 | $162 |
| Saint Joseph | $80 | $167 |
| Springfield | $82 | $164 |
| Cape Girardeau | $84 | $181 |
| Branson | $85 | $164 |
| Saint Charles | $88 | $163 |
| Ballwin | $96 | $192 |
| Independence | $104 | $186 |
| Kansas City | $113 | $206 |
| Saint Louis | $139 | $259 |
Some Missouri cities, such as St. Louis and Kansas City, have higher insurance rates partly due to their higher vehicle theft rates.
The chart below shows the five most expensive cities in Missouri for car insurance.
7+ years experience in data analysis
Ph.D. in Computational Biology
City | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| Cape Girardeau | $84 | $181 |
| Ballwin | $96 | $192 |
| Independence | $104 | $186 |
| Kansas City | $113 | $206 |
| Saint Louis | $139 | $259 |
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Licensed property and casualty insurance agent
10+ years of insurance experience
Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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Licensed property and casualty insurance agent
13+ years of insurance experience
Austin has 13+ years of personal lines experience. As a sales manager at Insurify, he mentors agents and partners with leadership to refine sales strategies and improve the customer experience.
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Licensed property and casualty insurance agent
14+ years insurance experience
Britney has 14+ years of experience in auto and home insurance. She’s committed to making sure customers feel informed and supported through every step of the insurance-buying process.
Car insurance companies in Missouri consider many factors when setting rates, such as your location, the type of vehicle you drive, your age, your driving record, and your credit history. Each insurer weighs these factors differently.
To make sure you’re finding the cheapest coverage, compare quotes from several insurance companies. Follow these tips to get the most accurate quotes:
Ask each insurer for the same coverage limits and coverage types when you’re requesting quotes.
If you need comprehensive and collision coverage, make sure you ask each insurer for the same deductibles to ensure an accurate comparison.
Provide your vehicle identification number (VIN), not only the make and model.
Include information for all household drivers, such as their driving records and license numbers.
Answer truthfully when asked about your driving record and annual mileage.
As in nearly every state, drivers in Missouri must carry liability car insurance. The following table shows car insurance requirements in Missouri.[1]
Coverage Type | Minimum Limit |
|---|---|
| Bodily injury liability | $25,000 per person/$50,000 per accident |
| Uninsured motorist bodily injury liability | $25,000 per person/$50,000 per accident |
| Property damage liability insurance | $25,000 per accident |
Missouri is an at-fault state. This means a driver who causes an accident is financially responsible for the other driver’s medical bills and property damage.
If an officer pulls you over and you can’t provide proof of insurance, the state can issue you a ticket or suspend your driver’s license, according to the Missouri Department of Revenue.
Comparing quotes from multiple insurers is the easiest way for Missouri drivers to save money on car insurance. Below are some additional tips for getting the most affordable car insurance in Missouri.
Take advantage of the car insurance discounts your insurer offers.
Complete an approved defensive driving course.
Bundle your car insurance with home insurance or renters insurance.
Raise your comprehensive and collision insurance deductibles — or consider dropping full coverage if you can afford to replace your car out of pocket.
Maintain a clean driving record and improve your credit.
Check quotes from 120+ top insurance companies
The Missouri car insurance quotes you get depend on factors like your driving record, credit history, age, and the type of coverage you need. Check out the following state-specific resources to find the cheapest car insurance in Missouri for your individual driver profile.
Missouri car insurance quotes by coverage
Missouri car insurance guides
Car insurance rates in Missouri decreased 7% between 2024 and 2025. But Insurify projects that Missouri rates will increase 2.5% by the end of 2026.
One of the reasons experts predict Missouri rates will increase in 2026 is because of severe weather. For example, as of May 2026, insurers had received more than 10,000 insurance claims related to the 2025 St. Louis tornado and paid out more than $475 million.[2]
The infogram below shows how Missouri car insurance rates have changed since 2020.
State Name | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 | 2026-08 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Missouri | 1,362 | 1,372 | 1,377 | 1,383 | 1,386 | 1,397 | 1,408 | 1,418 | 1,433 | 1,435 | 1,441 | 1,445 | 1,447 | 1,454 | 1,455 | 1,455 | 1,455 | 1,454 | 1,466 | 1,499 | 1,524 | 1,558 | 1,586 | 1,608 | 1,654 | 1,674 | 1,699 | 1,710 | 1,737 | 1,805 | 1,856 | 1,930 | 2,055 | 2,183 | 2,315 | 2,378 | 2,412 | 2,347 | 2,271 | 2,261 | 2,221 | 2,192 | 2,202 | 2,233 | 2,233 | 2,220 | 2,215 | 2,205 | 2,175 | 2,158 | 2,138 | 2,127 | 2,134 | 2,143 | 2,144 | 2,151 | 2,161 | 2,162 | 2,164 | 2,162 | 2,162 |
| United States | 1,555 | 1,557 | 1,561 | 1,564 | 1,566 | 1,568 | 1,571 | 1,577 | 1,591 | 1,602 | 1,607 | 1,612 | 1,617 | 1,623 | 1,631 | 1,639 | 1,650 | 1,665 | 1,689 | 1,719 | 1,758 | 1,803 | 1,850 | 1,888 | 1,919 | 1,956 | 1,983 | 2,006 | 2,037 | 2,076 | 2,127 | 2,194 | 2,238 | 2,299 | 2,341 | 2,368 | 2,390 | 2,387 | 2,374 | 2,370 | 2,361 | 2,351 | 2,367 | 2,368 | 2,367 | 2,356 | 2,342 | 2,318 | 2,285 | 2,258 | 2,228 | 2,215 | 2,221 | 2,222 | 2,224 | 2,233 | 2,238 | 2,237 | 2,238 | 2,239 | 2,241 |
For more information about finding the best car insurance in Missouri at an affordable price, see the answers to frequently asked questions below.
USAA typically has the cheapest car insurance in Missouri, based on Insurify data, with liability policies averaging $46 per month. State Farm also has some of the state’s cheapest car insurance rates.
The average car insurance premium in St. Louis, Missouri, is $259 per month for full-coverage car insurance and $139 per month for liability-only coverage, Insurify data shows.
Yes. Many car insurance companies offer cheap Missouri car insurance online. This makes it easy to shop for coverage and purchase a policy whenever it’s convenient for you.
Missouri car insurance companies consider a variety of factors when calculating rates, including your age, credit-based insurance score, driving history, claim history, type of vehicle, and the coverage you choose.[3]
The best ways to lower your car insurance premium in Missouri include comparing quotes, raising your deductibles, taking a defensive driving course, bundling your car insurance and home insurance, and maintaining a clean driving record.
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:
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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5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Licensed auto and home insurance agent
4+ 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.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
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.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
