Car Insurance in Missouri
- GEICO offers the cheapest liability at $40/mo.
- Travelers has the cheapest full coverage at $109/mo.
Enter your ZIP code to start your search for Missouri car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Missouri at the right price.
About The Zebra's recommendations
Drew joined The Zebra as a Senior Content Specialist in 2026, bringing more than a decade of content writing and research experience to help develop …
Credentials
- SEO Copywriting Certification — SEO Content Institute
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Missouri
The average car insurance rate in Missouri is $1,297 for a six-month full coverage policy — 12% more expensive than the U.S. average.[1] If you're only after liability coverage, this lowers your 6-month premium to $390 or $65 per month.
According to our data, 14% of Missourians believe they’re overpaying for car insurance.[2] Yet, many are still open to paying a premium for exceptional customer service and more extensive coverage options.
Cheapest full coverage in MO
- Travelers offered the cheapest full coverage in Missouri at $109/mo.
Best customer service in MO
- Shelter Insurance scored 678 in JD Power's latest study — the highest in Missouri.
Cheapest liability coverage in MO
- GEICO offered the cheapest liability coverage in Missouri at $40/mo.
*Note: USAA offers the cheapest liability rates in Missouri, but it's excluded from our list due to its strict eligibility guidelines. The Zebra focuses on providers accessible to most consumers. If you're eligible for USAA, it's an excellent choice.
Cheap full coverage insurance in Missouri
In 2026, the average cost of full coverage insurance in Missouri is $1,297 for a six-month policy. Full coverage is a popular choice here, with 56% of The Zebra’s Missouri customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Travelers — as our latest data shows they have the cheapest rates in Missouri.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $654 | $109 |
| GEICO | $869 | $145 |
| USAA | $1,016 | $169 |
| Encompass | $1,107 | $184 |
| State Farm | $1,348 | $225 |
| Automobile Club of Missouri | $1,424 | $237 |
| Progressive | $1,531 | $255 |
| Nationwide | $1,574 | $262 |
| Safe Auto | $1,734 | $289 |
| American Family | $1,940 | $323 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
What are the best car insurance companies in Missouri?
We’ve named Shelter Insurance as Missouri's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like JD Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick on a national level.
You've done your research. Let us take it from here
Way to go — this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Cheap liability insurance in Missouri
The average cost for liability insurance in Missouri is $390 for a 6-month policy.[1] For our user profile, GEICO offers the most affordable liability insurance options in the state at $40/mo.
According to our data, 47% of Missouri drivers carry only the state-required liability coverage.[2] In Missouri, the law mandates minimum liability limits of 25/50/25. Learn more about car insurance requirements in the state of Missouri with our helpful guide.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $224 | $37 |
| GEICO | $240 | $40 |
| Travelers | $250 | $42 |
| Encompass | $353 | $59 |
| Progressive | $389 | $65 |
| State Farm | $401 | $67 |
| Automobile Club of Missouri | $445 | $74 |
| American Family | $561 | $93 |
| Safe Auto | $596 | $99 |
| Nationwide | $663 | $110 |
Source: The Zebra
Missouri law requires every auto liability insurance policy to include uninsured motorist (UM) bodily injury coverage.[4] This protection helps pay for your injuries if you're involved in an accident caused by a driver who doesn't have insurance or in certain hit-and-run crashes. Unlike many optional coverages, uninsured motorist protection is required by law, helping ensure Missouri drivers have financial protection against uninsured motorists.
Renata Balasco, licensed agent and insurance writer at The Zebra
Updating data...
| Company | Liability Coverage - 6mo | Full Coverage - 6mo |
|---|---|---|
| USAA | $224 | $1,016 |
| Travelers | $250 | $654 |
| State Farm | $401 | $1,348 |
| Shelter | $313 | $858 |
| Progressive | $389 | $1,531 |
| Nationwide | $663 | $1,574 |
| MetLife | $830 | $2,150 |
| MO Farm Bureau Services | $236 | $1,019 |
| GEICO | $240 | $869 |
| Encompass | $353 | $1,107 |
| Automobile Club of Missouri | $445 | $1,424 |
| American Family | $561 | $1,940 |
Source: The Zebra
Local insights
Drivers near you in Missouri weigh in
"Progressive offered me a better deal and a good customer service experience so far."
-Reddit user on r/Missouri
"Progressive is awesome, relatively inexpensive with great coverage (of course varies person to person) but I have a pretty less than stellar driving record (from my earlier years) and pay less than $100 a month."
-Reddit user on r/Missouri
Compare car insurance rates from the best companies in Missouri.
Car insurance in popular Missouri cities
Car insurance companies calculate your rate based on many factors, the location of the vehicle being an important one. The cheapest car insurance is found in Columbia, Missouri and the most expensive in St. Louis, Missouri.
Have a look at the table below to see average car insurance costs in some of Missouri's biggest cities.
Source: The Zebra
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Source: The Zebra
Local knowledge, trusted advice
Amber Vigil has three years of experience in the insurance industry and joined The Zebra in 2024. As manager, she leads a group of sales agents, ensu…
Credentials
- Licensed Insurance Agent — Property and Casualty
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
Erick began his insurance career at The Zebra in 2020, starting in an unlicensed role assisting customers before earning his Property & Casualty lice…
Credentials
- Licensed Insurance Agent — Property and Casualty
Missouri auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Missouri. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Missouri insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Missouri car insurance laws for high-risk drivers
For high-risk drivers in Missouri with serious infractions like a DUI or reckless driving, the consequences extend far beyond fines — they can significantly impact your car insurance. These violations often lead to higher premiums, potential policy cancellations, and challenges in finding coverage.
Understanding Missouri insurance requirements is crucial for staying on the road legally. Our comprehensive guide breaks down the essentials, from mandatory coverage to the penalties for non-compliance, helping you navigate the complexities of high-risk auto insurance in the state.
Missouri DUI laws
In Missouri, a DUI offense can increase your annual car insurance premium substantially. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Missouri
If you're convicted of a DUI or DWI violation in Missouri, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Missouri.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $843 | $141 |
| USAA | $1,741 | $290 |
| GEICO | $1,776 | $296 |
| State Farm | $1,786 | $298 |
| Progressive | $1,809 | $302 |
| Automobile Club of Missouri | $2,166 | $361 |
| Safe Auto | $2,268 | $378 |
| American Family | $2,539 | $423 |
| Nationwide | $2,825 | $471 |
| Encompass | $4,392 | $732 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Missouri SR-22 laws
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Missouri to ensure that you remain insured.
Finding cheap auto insurance with an SR-22 in Missouri might require some research, but it could pay off in the end.
How to acquire an SR-22 in Missouri
For currently insured drivers
If you already have auto insurance, getting an SR-22 certificate is straightforward. Contact your car insurance company ask them to file an SR-22 request for you. If your insurer isn’t willing to file a request, you'll need to look for a new insurer.
For uninsured drivers
When filing for a new policy, you might be saddled with an up-front fee to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
Not owning a vehicle makes it more difficult to obtain an SR-22, as you will need to furnish proof of insurance to receive the certificate. In this scenario, purchase a non-owners car insurance policy before filing an SR-22 request. Non-owners auto insurance is typically less expensive than traditional coverage since it doesn't protect against material damage to your vehicle.
Find an affordable policy in Missouri in minutes!
How have car insurance costs in Missouri changed?
Missouri's auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around—insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Missouri |
|---|---|
| 2026 | $3,043 |
| 2025 | $2,396 |
| 2024 | $2,100 |
| 2023 | $2,058 |
| 2022 | $1,917 |
| 2021 | $1,698 |
| 2020 | $1,687 |
| 2019 | $1,729 |
| 2018 | $1,579 |
| 2017 | $1,796 |
| 2016 | $1,562 |
| 2015 | $1,885 |
Save money on your next car insurance policy!
Missouri car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Missouri auto insurance.
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Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
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Anonymized User Surveys. The Zebra
Anonymized User Surveys. The Zebra
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JD Power. 2026 U.S. Auto Insurance Study
JD Power. 2026 U.S. Auto Insurance Study
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Missouri Requires Uninsured Motorist Coverage. Uninsured Motorist Coverage
Missouri Requires Uninsured Motorist Coverage. Uninsured Motorist Coverage
RECENT QUESTIONS ABOUT CAR INSURANCE IN MO
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
