Cheap Car Insurance for Low-Income Drivers in Missouri

What is low-income car insurance in Missouri?

Low-income car insurance in Missouri isn’t a special policy. But low-income drivers can save by maintaining a clean driving record, qualifying for discounts, and choosing minimum liability coverage instead of full coverage.

Minimum coverage pays for injuries and property damage you cause, while a full-coverage policy adds collision and comprehensive protection for your vehicle. If you select full coverage, you can set a higher deductible to save on monthly premiums.

If you can’t find standard coverage, you may qualify for the Missouri Automobile Insurance Plan (MOAIP), though it’s not an income-based program.^[1] MOAIP is a residual market program for high-risk drivers who can’t find coverage in the voluntary insurance market.

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Cheapest car insurance in Missouri

USAA offers the cheapest car insurance in Missouri, with liability-only rates averaging $47 per month. Progressive offers the next-lowest average, at $53 per month.

The average cost of car insurance in Missouri for a liability-only policy is $92 per month, which is a bit lower than the U.S. average of $98.

Missouri has a low population density of about 90 people per square mile, which can indicate lower levels of traffic congestion and contribute to lower average rates.^[2] But drivers in higher-density areas, like St. Louis and Kansas City, pay higher average premiums due to increased risks.

Below, you can compare average liability-only quotes from the cheapest car insurance companies in Missouri.

The below rates in Missouri are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Average Quote: Liability Only
USAA	$47
Progressive	$53
State Farm	$54
Safeco	$72
National General	$75
Clearcover	$76
Allstate	$80
GEICO	$80
Root	$81
Direct Auto	$82
The General	$90
Bristol West	$91
American Family	$92
Dairyland	$96
GAINSCO	$99
Liberty Mutual	$106
Shelter	$123
Insurify Car	$126
Auto-Owners	$135
Travelers	$136
AssuranceAmerica	$141

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.

Cheapest car insurance for drivers with poor credit in Missouri

Having a poor credit history can make it harder for Missouri drivers to find affordable car insurance. Missouri allows insurance companies to use credit-based insurance scores to estimate a driver’s likelihood of filing a claim, so a lower score can lead to higher rates.

The table below compares average liability quotes for Missouri drivers with poor credit history.

The below rates in Missouri are estimated rates current as of: Monday, August 10 at 5:00 PM PDT. 

Insurance Company	Average Liability Quote: Poor Credit
USAA	$58
Progressive	$66
State Farm	$78
Safeco	$89
National General	$93
Clearcover	$94
GEICO	$99
Allstate	$100
Root	$100
Direct Auto	$102
American Family	$111
The General	$112
Bristol West	$113
Dairyland	$119
GAINSCO	$123
Liberty Mutual	$127
Shelter	$152
Insurify Car	$158
Travelers	$160
AssuranceAmerica	$175
Auto-Owners	$203

Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.

Car insurance options for low-income drivers in Missouri

Low-income drivers in Missouri can compare quotes from standard and non-standard insurance companies to find the best insurer for their needs.

Non-standard insurers often specialize in working with high-risk drivers who have accidents, speeding tickets, coverage lapses, poor credit, or serious violations on their driving record.

Depending on your situation, you may want to consider non-standard insurers such as:

• The General: The insurer specializes in high-risk drivers, including people with driving under the influence (DUI) convictions, coverage lapses, or SR-22 requirements.

• Dairyland: This insurance company covers drivers with violations, insurance gaps, foreign licenses, and SR-22 insurance requirements.

• Direct Auto: Missouri drivers with spotty insurance histories or people who need flexible payment plans and discounts may want to consider this insurer.

Facing rejection from insurers in the traditional market doesn’t mean you’re completely out of options.

The Missouri Automobile Insurance Plan (MOAIP) helps eligible drivers who tried but couldn’t find coverage in the standard market within the previous 60 days. The plan doesn’t base eligibility on income, so you can think of it as a fallback option rather than a low-income discount. An insurance agent can help you apply.

Minimum car insurance requirements in Missouri

Missouri car insurance requirements include liability insurance and uninsured motorist bodily injury coverage. Choosing minimum coverage instead of full coverage can lower your premium because it excludes collision and comprehensive coverage.

Drivers in Missouri must carry each of the following coverages:^[4]

• Bodily injury liability: Helps pay for other people’s medical expenses following an accident-related injury you cause

• Property damage liability: Pays for damage you cause to another person’s vehicle or property

• Uninsured motorist bodily injury: Helps cover your injuries if an uninsured or hit-and-run driver causes a crash

Minimum liability coverage can keep your car insurance costs manageable and satisfy Missouri car insurance requirements, but it may also leave expensive coverage gaps. Missouri requires uninsured motorist coverage for injuries, but not for vehicle damage.

If an uninsured driver hits your car, a minimum-coverage policy won’t cover your repairs. You need collision coverage or payment from the at-fault driver to cover those costs. You’ll also need comprehensive coverage if you want to protect your vehicle from non-collision incidents, like severe weather.

Below, you can see Missouri’s specific minimum requirements for each coverage type.

Coverage	Minimum Requirement	What It Covers
Bodily injury liability	$25,000 per person/$50,000 per accident	Injuries you cause to other people
Property damage liability	$25,000 per accident	Damage you cause to another person’s vehicle or property
Uninsured motorist bodily injury	$25,000 per person/$50,000 per accident	Injuries caused by an uninsured or hit-and-run driver

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What affects car insurance rates in Missouri?

Missouri car insurance companies look at your ZIP code, vehicle, coverage choices, driving record, and more when setting rates. They also consider the risks drivers face where they live.  

Here are a few location-based factors that may affect your car insurance rates as a Missouri driver:

• Busier roads: Drivers in St. Louis and Kansas City often pay more than people in smaller Missouri cities. More cars on the road can mean more fender benders, serious crashes, and insurance claims.

• Severe weather: Missouri gets severe thunderstorms, hail, high winds, tornadoes, and heavy rain. A bad hailstorm can dent or break windows on thousands of vehicles at once. Floodwater can also destroy a vehicle or electrical system, adding to comprehensive coverage claims.

• Vehicle theft: Missouri had the seventh-highest vehicle theft rate in the country in 2023, with more than 27,000 vehicles stolen.^[5] More stolen-car claims can increase comprehensive coverage costs, especially in urban areas.

Low-income car insurance in Missouri FAQs