Compare the Cheapest Car Insurance in Missouri (2021)

The average Missouri driver spends $80 a month on car insurance.

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Get Cheap Auto Insurance in Missouri

State Farm offers the cheapest car insurance rates for Missouri drivers seeking the most inexpensive policy. However, the best insurer for you may differ depending on your individual needs and driving history.

Our comprehensive guide to auto insurance in Missouri includes:

Cheapest minimum-coverage auto insurance in Missouri

Drivers in Missouri will find the cheapest minimum-coverage policy through State Farm, with an average monthly premium of $43. A close alternative is American Family, which costs an additional $9 more per month, on average, than State Farm.

USAA is a great and inexpensive option for veterans and retired military members looking for affordable coverage with great customer service.

Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance companies for a minimum-coverage policy
Company Average monthly rate
State Farm $43
American Family $52
Allstate $72
Progressive $74
State average $80
Shelter Mutual $82
Farmers $101
Auto Club $125
GEICO $139
USAA $29

Usually the minimum-coverage policy is not recommended for drivers with new or expensive vehicles. This is because the minimum liability coverage only protects other drivers and their cars. Therefore, any damage your car sustains in an accident will have to be paid out of pocket. To prevent paying expensive repair costs, we recommend you opt for additional coverage or higher limits.

Cheapest full-coverage auto insurance in Missouri

State Farm and American Family have the most inexpensive full-coverage insurance rates in Missouri, according to our analysis.

Cheapest car insurance companies for a full coverage policy
Company Average monthly rate
State Farm $88
American Family $103
Shelter Mutual $176
State average $183
Progressive $190
Allstate $191
Farmers $210
Auto Club $277
GEICO $331
USAA $79

State Farm and American Family's full-coverage policies are nearly double the cost of their minimum liability policies because a full-coverage policy includes additional types of protection, including collision and comprehensive coverages.

Collision coverage takes care of your car if it is damaged after crashing into another car or fixed object. Comprehensive coverage reimburses you for damage caused by events out of your control, including natural disasters and theft.

Cheapest auto insurance for young drivers in Missouri

Shopping for cheap car insurance as a teen driver can be difficult. Usually, your car insurance rates are most expensive when you are young and inexperienced. After age 25, your premiums should decrease if you maintain a clean record.

 

 
 
 

How to get the cheapest auto insurance as a teen

Teens looking for coverage may undoubtedly run into some trouble finding cheap car insurance, but there are a few ways they can save:

  • Ask your insurer if they have discounts specifically for young or teen drivers. Major insurers typically have a range of discounts for good students, university students moving away from home and young people who volunteer.
  • Sign onto a policy with your parents. Being added as a driver on someone's policy will inevitably increase their rates. However, for a high-risk driver, this is much cheaper than having your own policy. According to our study, being insured under your parents' policy saves you an average of $1,188 annually versus having a separate policy.
  • Compare rates from multiple companies, even small local ones. Our list of insurers is not a comprehensive list of every insurer in Missouri. The best way to ensure you receive the cheapest coverage is to evaluate all your options.

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Auto insurance for senior drivers in Missouri

Older drivers are often rewarded for their experience with cheaper insurance premiums. Typically, your insurance rates decrease as you age, but once you reach your 70s they begin to slightly increase again because you're seen as a higher risk to insure. For the average Missouri driver, State Farm and American Family offer the cheapest full and minimum liability coverage.

 

 
 
 

 How to get the cheapest auto insurance as a senior

 

  1. Grab discounts specifically for older drivers. Most of the insurers highlighted offer savings for retired drivers and those over age 55. 
  2. Switch your policy's primary driver. If you have other family members driving you around, think about listing them as the main driver on your policy. If you are older than 70 and your relatives are in their 30s to 50s, there's a possibility that they'll receive lower rates than you will.

Cheapest car insurance company after an accident: State Farm

Your insurance rates are calculated based on risk, so it shouldn't be surprising to know that getting into an accident will increase your premium. Having even one accident on your record can bring your rates up by several tens of dollars per month. 

The best way to alleviate the effects of an accident on your record is to not have any additional accidents in the next three to five years. The accident should fall off your record by then.

Cheapest car insurance companies for drivers with an accident history
Company Rate before Rate after Difference
State Farm $88 $105 $17
American Family $103 $182 $79
Shelter Mutual $176 $227 $51
Allstate $191 $252 $61
Farmers $210 $295 $85
Progressive $190 $299 $109
Auto Club $277 $443 $166
GEICO $331 $537 $206
USAA $79 $105 $26
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance company after a DUI: State Farm

Drinking while under the influence is a criminal offense that insurance companies take seriously. Depending on your insurance company, your rates could increase by only a few dollars to hundreds of dollars per month. 

Cheapest car insurance companies for drivers with a DUI
Company Rate before Rate after Difference
State Farm $88 $96 $8
American Family $103 $184 $81
Progressive $190 $211 $21
Allstate $191 $246 $55
Shelter Mutual $176 $261 $85
Farmers $210 $279 $69
Auto Club $277 $435 $158
GEICO $331 $619 $288
USAA $79 $138 $59
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance company for speeding: State Farm

Speeding tickets impact your driving record for three to five years, bumping up your premiums during that time. Shelter Mutual customers saw no increase in their rates after a speeding incident, but State Farm remains as the cheapest insurer for drivers with a ticket.

Cheapest car insurance companies for drivers with a speeding ticket
Company Rate before Rate after Difference
State Farm $88 $96 $8
American Family $103 $125 $22
Shelter Mutual $176 $176 $0
Allstate $191 $216 $25
Progressive $190 $229 $39
Farmers $210 $290 $80
Auto Club $277 $382 $105
GEICO $331 $407 $76
USAA $79 $94 $15
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

What are the best car insurance companies in Missouri?

When deciding which insurance company to choose, you should consider the price as well as the quality of service. State Farm and American Family not only have the cheapest rates for the average Missouri driver, they are also rated among the best insurers in the region.

Best car insurance companies in Missouri
Company J.D. Power 2021 U.S. Auto Insurance Study (higher is better) NAIC 2020 Complaint Index (lower is better)
State Farm 847 0.70
American Family 839 0.63
Shelter Mutual 856 0.23
Allstate 826 0.63
Progressive 837 0.91
Farmers 848 0.79
Auto Club 829 1.24
GEICO 845 1.33
USAA 897 0.98
J.D. Power assesses overall customer satisfaction on a 1,000-point scale, with an average score of 841 in the Central region, which includes Missouri. The NAIC Complaint Index is the rate at which customers file complaints to their state regulator. The median Complaint Index is 1.0.

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Missouri car insurance requirements

To legally drive in Missouri, you must meet the following coverage requirements:

Coverage Limit
Bodily injury liability $25,000 per person/$50,000 per accident
Property damage liability $25,000 per accident
Uninsured motorist bodily injury liability $25,000 per person/$50,000 per accident

SR-22 insurance

You are required file for an SR-22 in Missouri if you have:

  • Been in a car accident without coverage or a license.
  • Racked up too many points on your driving record in a short time period.

An SR-22 is meant to prove to the state that you now have obtained the minimum required auto insurance coverage.

Methodology

QuoteWizard conducted a thorough study of the state of car insurance in Missouri using Quadrant Information Services. Our sample driver is a single, 30-year-old male operating a 2012 Honda Accord LX with an average annual mileage of 13,500 miles. Unless otherwise stated, he has a clean driving record.

For a full-coverage car insurance policy, the driver has the following limits:

  • $100,000 per person/$300,000 per accident bodily injury liability 
  • $100,000 per accident property damage liability 
  • $500 deductible

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