USAA and Allstate have the cheapest auto insurance rates in Missouri, according to our research. USAA has the most affordable quote, at $27 a month, while Allstate has the second-lowest rate, at $33 a month. However, USAA only provides auto insurance to current and veteran military members, as well as their families.
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Who has the cheapest car insurance in Missouri?
USAA and State Farm are the cheapest car insurance providers in Missouri if you have a clean driving record. Both insurers have average rates that are under the state averages of $69 a month for minimum coverage and $157 a month for full coverage.
Cheapest minimum-coverage car insurance in Missouri
USAA has the lowest rate for standard car insurance, at $27 a month. Allstate is second-cheapest, at $33 a month.
| Company | Monthly rate |
|---|---|
| USAA | $27 |
| Allstate | $33 |
| State Farm | $45 |
| American Family | $51 |
| Shelter Mutual | $67 |
| Progressive | $76 |
| Auto Club | $122 |
| GEICO | $132 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Minimum-coverage car insurance, also known as "standard car insurance" or "liability auto insurance," covers damage or injuries you cause to other people. Missouri state law requires drivers to carry at least the following amounts of liability car insurance:
- Bodily injury: $25,000 per person/$50,000 per accident
- Property damage: $25,000 per accident
Missouri state law also requires drivers to carry uninsured motorist bodily injury coverage limits of $25,000 per person and $50,000 per accident.
Cheapest full-coverage car insurance in Missouri
USAA has the cheapest average rate of $74 a month for full-coverage auto insurance in Missouri. State Farm is the second-lowest, at $92 a month.
| Company | Monthly rate |
|---|---|
| USAA | $74 |
| State Farm | $92 |
| American Family | $103 |
| Allstate | $112 |
| Shelter Mutual | $144 |
| Progressive | $159 |
| Auto Club | $260 |
| GEICO | $310 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage auto insurance combines liability coverage with collision and comprehensive coverages. Full coverage is important because liability insurance only covers damage or injuries you cause to others. A lender will likely require you to carry full-coverage insurance for the duration of your loan if you're financing a car.
Cheapest car insurance for drivers with an accident history
USAA has the most affordable rate of $99 a month if you're looking for liability insurance after an accident. State Farm is the next cheapest, at $108 a month.
| Company | Monthly rate |
|---|---|
| USAA | $99 |
| State Farm | $108 |
| American Family | $181 |
| Allstate | $182 |
| Shelter Mutual | $204 |
| Progressive | $245 |
| Auto Club | $414 |
| GEICO | $500 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for drivers with a DWI
Missouri drivers with a DWI (driving while intoxicated) offense on their record can find their cheapest rate for car insurance with State Farm, at $100 a month. USAA has the second-cheapest rate, at $127 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $100 |
| USAA | $127 |
| Progressive | $173 |
| American Family | $183 |
| Allstate | $211 |
| Shelter Mutual | $234 |
| Auto Club | $407 |
| GEICO | $576 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
In Missouri, a DWI stays on your driving record indefinitely. A first-offense DWI with a 0.08% blood alcohol content carries the following penalties:
- Minimum 48 hours in jail for a BAC of 0.15%-2%, and five days for a BAC over 2%.
- $1,000 in fines.
- 30 days suspended license.
If you have a suspended license, you'll need to file an SR-22 to get your license reinstated. An SR-22 acts as proof that you carry Missouri's minimum-coverage car insurance. After a first-time license suspension due to a DWI in Missouri, drivers are required to carry an SR-22 for two consecutive years.
Cheapest car insurance for drivers with a speeding ticket
Missouri drivers with a speeding ticket on their record can find their cheapest car insurance from USAA, which has an average rate of $88 a month. State Farm has the second most affordable average rate, at $100 a month.
| Company | Monthly rate |
|---|---|
| USAA | $88 |
| State Farm | $100 |
| American Family | $124 |
| Shelter Mutual | $159 |
| Allstate | $164 |
| Progressive | $193 |
| Auto Club | $358 |
| GEICO | $382 |
| Average | $196 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Save on car insurance in Missouri
Cheapest car insurance companies for teen drivers
An 18-year-old driver in Missouri pays the cheapest rates for both minimum-coverage and full-coverage car insurance with USAA and State Farm. These two providers are also the best for teen drivers with accidents, DWIs or speeding tickets on their records.
On average, 18-year-old Missouri drivers pay $219 a month for minimum-coverage car insurance, or $482 a month for full coverage. Teens pay the most for car insurance of any demographic. This is because car insurance companies consider teens to be high risk due to their relative inexperience driving.
Cheapest minimum-coverage car insurance for teens
USAA has the cheapest minimum-coverage auto insurance for Missouri teens, with an average rate of $60 a month. State Farm is second cheapest, at $100 a month.
| Company | Monthly rate |
|---|---|
| USAA | $60 |
| State Farm | $100 |
| American Family | $143 |
| Allstate | $196 |
| Shelter Mutual | $206 |
| Progressive | $307 |
| Auto Club | $355 |
| GEICO | $381 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Full-coverage auto insurance for teen drivers
For Missouri teens looking for full-coverage car insurance, their best average rate is with USAA, at $154 a month. State Farm is the next lowest, at $281 a month.
| Company | Monthly rate |
|---|---|
| USAA | $154 |
| State Farm | $281 |
| American Family | $356 |
| Allstate | $379 |
| Shelter Mutual | $431 |
| Progressive | $684 |
| Auto Club | $721 |
| GEICO | $848 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens after an accident
If you're a Missouri teen driver with an accident on your record, the cheapest rate for minimum-coverage car insurance is with USAA, at $176 a month. State Farm has the next-cheapest rate, with an average of $337 a month.
| Company | Monthly rate |
|---|---|
| USAA | $176 |
| State Farm | $337 |
| American Family | $538 |
| Allstate | $556 |
| Shelter Mutual | $598 |
| Progressive | $768 |
| Auto Club | $1,083 |
| GEICO | $1,372 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens with a DWI
If you're an 18-year-old driver in Missouri with a DWI, your cheapest car insurance is with USAA, at $247 a month. State Farm is the second cheapest, at $309 a month.
| Company | Monthly rate |
|---|---|
| USAA | $247 |
| State Farm | $309 |
| American Family | $571 |
| Allstate | $641 |
| Shelter Mutual | $684 |
| Progressive | $706 |
| Auto Club | $1,290 |
| GEICO | $1,347 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for teens with a speeding ticket
Missouri teens with a speeding ticket pay the lowest rates with USAA, at $174 a month on average. State Farm is the second cheapest, at $309 a month.
| Company | Monthly rate |
|---|---|
| USAA | $174 |
| State Farm | $309 |
| American Family | $420 |
| Allstate | $431 |
| Shelter Mutual | $537 |
| Progressive | $715 |
| Auto Club | $848 |
| GEICO | $1,180 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors in Missouri
USAA and State Farm have the cheapest rates straight down the line for senior drivers in Missouri. If you're looking for minimum or full coverage, or you have accidents, DWIs or speeding tickets on your record, these two companies have the best rates. For comparison, 60-year-old Missouri drivers pay an average $63 a month for minimum-coverage auto insurance, or $138 a month for full coverage.
Comparing quotes from multiple providers is a practical move if you're a senior looking for car insurance. Seniors pay higher rates than younger drivers, barring teens, due to the risk that comes with decreased reflex time as we age.
Cheapest minimum-coverage auto insurance for seniors
USAA has the cheapest rate for senior drivers, at $27 a month for liability-only coverage. State Farm is next, with an average rate of $29 a month.
| Company | Monthly rate |
|---|---|
| USAA | $27 |
| State Farm | $29 |
| American Family | $43 |
| Allstate | $47 |
| Shelter Mutual | $57 |
| Progressive | $66 |
| Auto Club | $107 |
| GEICO | $129 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest full-coverage car insurance for seniors
Missouri seniors looking for full-coverage car insurance pay the lowest rate with USAA, at $70 a month. State Farm has the next-lowest full-coverage rate, at $85 a month.
| Company | Monthly rate |
|---|---|
| USAA | $70 |
| State Farm | $85 |
| American Family | $92 |
| Allstate | $94 |
| Shelter Mutual | $120 |
| Progressive | $132 |
| Auto Club | $227 |
| GEICO | $287 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors with an accident record
If you're a Missouri senior with an accident on your driving record, your cheapest liability coverage is with USAA, at $100 a month. The next-cheapest average rate is with State Farm, at $102 a month.
| Company | Monthly rate |
|---|---|
| USAA | $100 |
| State Farm | $102 |
| American Family | $155 |
| Allstate | $166 |
| Shelter Mutual | $170 |
| Progressive | $223 |
| Auto Club | $360 |
| GEICO | $461 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors after a DWI
Missouri senior drivers with a DWI get the most affordable car insurance rates with USAA, at $93 a month. State Farm has the next-lowest average rate, at $121 a month.
| Company | Monthly rate |
|---|---|
| USAA | $93 |
| State Farm | $121 |
| American Family | $148 |
| Allstate | $163 |
| Shelter Mutual | $187 |
| Progressive | $196 |
| Auto Club | $353 |
| GEICO | $569 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Cheapest car insurance for seniors with a speeding ticket
Seniors in Missouri with a ticket pay the cheapest average rate of $84 a month for car insurance with USAA. State Farm is the next cheapest, at $93 a month.
| Company | Monthly rate |
|---|---|
| USAA | $84 |
| State Farm | $93 |
| American Family | $111 |
| Allstate | $133 |
| Shelter Mutual | $140 |
| Progressive | $168 |
| Auto Club | $311 |
| GEICO | $359 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Get car insurance quotes from top companies in Missouri
Cheapest car insurance rates in Missouri by city
Drivers in Columbia pay the cheapest rates for minimum-coverage car insurance among Missouri’s largest cities, with an average rate of $57 a month. St. Joseph residents have the next-lowest car insurance premium in the state, at $59 a month. Lee's Summit drivers enjoy the third-cheapest car insurance rate in the state, at $65 a month.
| City | Monthly rate |
|---|---|
| Columbia | $57 |
| St. Joseph | $59 |
| Lee's Summit | $65 |
| Blue Springs | $66 |
| Springfield | $66 |
| St. Charles | $66 |
| O'Fallon | $67 |
| Independence | $71 |
| Kansas City | $73 |
| St. Louis | $78 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
What are Missouri's car insurance requirements?
Missouri state law requires drivers to carry the following minimum-coverage insurance limits to drive legally:
- Bodily injury liability per person: $25,000
- Bodily injury liability per accident: $50,000
- Property damage liability per accident: $25,000
On top of these liability limits, Missouri requires all drivers to carry the following limits of uninsured motorist insurance:
- Uninsured motorist bodily injury per person: $25,000
- Uninsured motorist bodily injury per accident: $50,000
Keep in mind that these minimum car insurance limits are the required, not recommended, limits. While the required limits may seem adequate, they could be burned through quickly if your insurer has to pay for a long hospital stay or court case. Any expenses over your coverage limits will come out of your pocket. To keep this from happening, we recommend raising your liability limits to the following:
- Bodily injury per person: $100,000
- Bodily injury per accident: $300,000
- Property damage liability per accident: $100,000
Methodology
QuoteWizard studied thousands of rates through Quadrant Information Services using the following car insurance companies operating in Missouri:
- Allstate
- American Family
- Auto Club
- GEICO
- Progressive
- Shelter Mutual
- State Farm
- USAA
Unless otherwise noted, the car insurance quotes analyzed were for a single, 35-year-old male with a clean driving record. He drives a 2012 Honda Accord LX an average 13,500 miles per year.
Sources:
Auto insurance by city
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