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Jessica has been a contributor at Insurify since July 2023.
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Table of contents
- Cheapest car insurance companies in MO
- Get cheap insurance in MO
- Liability-only car insurance in MO
- Full-coverage car insurance in MO
- MO car insurance requirements
- Car insurance quotes by history
- Car insurance quotes for seniors
- Car insurance quotes for teens
- Car insurance quotes by credit tier
- FAQs
Table of contents
Drivers in the Show-Me State pay an overall average of $133 per month for car insurance, which is in line with the overall national U.S. average of $143 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.
USAA, State Farm, and Progressive are the cheapest car insurance companies in Missouri.
On average, Missouri drivers pay $91 per month for liability coverage and $175 per month for full-coverage insurance.
Missouri drivers pay an average of $2,103 per year for full-coverage policies.
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.
Average price Prices based on average across state-minimum and full coverage car insurance $75/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $88/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $120/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $131/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $99/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $210/mo* |
Overall rating 4.9 | Overall rating 4.1 | Overall rating 3.9 | Overall rating 3.9 | Overall rating 3.3 | Overall rating 4.3 |
Value for money 4.9/5 | Value for money 3.8/5 | Value for money 3.6/5 | Value for money 3.7/5 | Value for money 3.3/5 | Value for money 3.9/5 |
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 4.0/5 |
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 Members of the military communityAI-generated from 1219 user reviews | Special highlight Customer serviceAI-generated from 6166 user reviews | Special highlight Accident forgivenessAI-generated from 3720 user reviews | Special highlight Teen driversAI-generated from 6506 user reviews | Special highlight Competitive ratesAI-generated from 7095 user reviews | Special highlight Usage-based savingsAI-generated from 491 user reviews |
USAA
User Reviews | 4.9 |
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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. | $92/mo |
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.
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.
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.
Savings of up to 40% with SafePilot program
Excellent J.D. Power customer satisfaction ratings
Only available to active-duty military members, veterans, military spouses, and children of service members or veterans
Gap insurance not available
State Farm
User Reviews | 4.1 |
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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 |