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Columbia Mutual and USAA offer the cheapest car insurance in Missouri, according to a QuoteWizard survey of companies serving the state.
Missouri drivers pay an average of $263 per year if they buy the minimum amount of auto insurance the state requires from Columbia Mutual, based on our research. And they pay an average of $672 per year for a full-coverage policy if they get it from USAA.
These rates are well below what a typical Missourian pays for car insurance. Our data shows that the average driver here spends $497 per year on minimum coverage and $1,196 per year on full coverage.
Can’t or don’t want to buy a policy from USAA or Columbia Mutual? You’ve got plenty of options. Farm Bureau Town & Country and GEICO also offer affordable car insurance in Missouri, as do several other companies.
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Columbia Mutual offers the cheapest state-minimum auto insurance in Missouri, with an average premium of $263 per year, or about $22 per month. USAA offers the cheapest full-coverage auto insurance in the state, with an average premium of $672 per year, or $56 per month.
USAA offers some of the cheapest state-minimum coverage in Missouri, too. The average rate of $264 per year it offered our sample driver is only $1 per year more than what Columbia Mutual offered for the same type of policy.
Farm Bureau Town & Country, GEICO and State Farm also offer cheap minimum car insurance in Missouri. In fact, the average rate of $294 per year that Farm Bureau Town & Country offered our sample driver is just $31 per year, or about $2.50 per month, more than what Columbia Mutual offered.
GEICO and Farm Bureau Town & Country also offer some of the cheapest full-coverage policies — which usually include liability, comprehensive and collision insurance — in Missouri.
Although USAA offered our sample Missouri driver the best rate for full-coverage car insurance, at $672 per year, Farm Bureau Town & Country and GEICO weren’t too far behind.
The average rate of $842 per year that Farm Bureau Town & Country offered was $170 per year more than USAA’s rate. That’s a difference of just over $14 per month. And the average rate of $915 per year that GEICO offered was $243 per year more than USAA’s — or a difference of $20 per month.
The rates Farm Bureau Town & Country and GEICO provided were both more than $280 per year, or around $23 per month, cheaper than the state average for full-coverage auto insurance.
Columbia Mutual and USAA offer the best car insurance in Missouri, according to our data. Farm Bureau Town & Country and GEICO are great options for affordable auto coverage, too.
Columbia Mutual is our top pick for cheap state-minimum car insurance coverage in Missouri.
It offered our sample driver an average rate of $263 per year for the minimum amount of car insurance the state requires. That’s $234 per year, or $19.50 per month, cheaper than the Missouri average for this kind of coverage.
USAA is our top pick for cheap full-coverage car insurance in Missouri.
This company offered our sample driver an average rate of $672 per year for a full-coverage policy. That’s $524 per year, or around $44 per month, cheaper than the state average for such coverage.
USAA also offers cheap state-minimum coverage. It offered our driver an average annual premium of $264, which is just a dollar more per year than what Columbia Mutual offered.
If you’re a Missouri driver and you can’t or don’t want to buy auto insurance from Columbia Mutual or USAA, get a rate quote from Farm Bureau Town & Country instead.
This insurer offered our sample driver an average rate of $294 per year for a state-minimum policy. That’s only $31 per year, or about $2.50 per month, more than what our top pick, Columbia Mutual, offered for the same amount of coverage.
Farm Bureau Town & Country also offered our sample driver an average rate of $842 per year for a full-coverage policy. That’s only $170 per year, or about $14 per month, more than what USAA offered for the same amount of coverage.
Only one of our three picks for best car insurance companies in Missouri is also among the state’s most popular car insurance companies.
USAA, the best option for cheap full-coverage auto insurance in Missouri, based on our data, writes 5% of the state’s policies. This makes it Missouri’s seventh-largest insurer by market share.
|Insurance company||Missouri market share|
|Source: S&P Global|
Missouri Farm Bureau, the parent company of Farm Bureau Town & Country, our runner-up for cheap minimum and full coverage, is the 11th largest insurer in the state by market share. It writes 3% of Missouri’s car insurance policies.
Columbia Insurance Group, the parent company of Columbia Mutual, our pick for best cheap minimum coverage in Missouri, writes just 0.3% of the state’s auto policies, putting it in 25th place here.
Missouri’s most popular car insurance company, State Farm, writes 22% of its policies.
Missouri law requires all vehicle owners and drivers to carry a minimum of 25/50/10 liability insurance coverage. That means policies must include at least:
State law also requires Missouri drivers to carry at least these amounts of uninsured motorist coverage:
You may need to file an SR-22 in Missouri if the state suspends your driver’s license for certain offenses or violations.
An SR-22 form proves you’re carrying car insurance that meets the minimum requirements detailed above.
You may have to file an SR-22 in Missouri for two or three years, depending on why the state suspended your license.
We conducted a comprehensive study of auto insurance rates in Missouri through Quadrant Information Services. The quotes we collected were for a single, 35-year-old male who has an excellent credit score and a clean driving record. He owns a 2012 Honda Accord and drives it an average of 15,000 miles a year. His car insurance policy has 100/300/50 coverage limits and a $1,000 deductible, where applicable.
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