Cheap Missouri Car Insurance

Find affordable auto insurance that works for you in Missouri. Compare quotes from over 100 top companies.

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Here's what you need to know when driving in Missouri

Across the Show-Me State, there are 268,201 miles of road just waiting to be driven. We’ll help you discover insurance quotes from top insurance companies at the best prices. Then, you take the wheel.


 

Affordable insurance companies in Missouri

What's the cheapest car insurance in Missouri?
RankCompany NameAvg. Annual Premium
1The Hartford$801
2Travelers$1,018
3Allied$1,047
4USAA$1,234
5Nationwide$1,490
6State Farm$1,567
7Progressive$1,920
8American Family$2,092
9Allstate$2,237
10Farmers$2,583

Compare quotes from dozens of companies that provide coverage throughout Missouri. Enter your ZIP code below to get started.

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Cheap auto insurance for good drivers in Missouri

Drivers with good driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Missouri drivers don't enjoy much of a rate discount for staying safe on the roads, as avoiding at-fault accidents is rewarded by just a 29% price cut, compared to 32% nationally. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$31319.21%
No Accidents$54829.42%
Good Credit$1,58854.70%

 

Cheap auto insurance for young drivers in Missouri

Young drivers (those between the ages of 16 and 25) pay extraordinarily high auto insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teens pay more than three times the national average for car insurance. In Missouri, the typical teen driver pays $4,847 per year, which aligns closely with the national average for all teen drivers, but is about three times the rate typical for all Missouri drivers.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$5,011$6,886
17$4,808$5,288
18$4,889$4,556
19$4,175$3,170

 

Cheap auto insurance for bad drivers in Missouri

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you're probably enjoying relatively low auto insurance premiums. On the other hand, abad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 27% after a DUI, 29% after an at-fault accident, and 19% after a speeding ticket in Missouri. The penalties assessed by car insurance companies after a DUI citation in Missouri are lower than in many other states. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,86329.42%
DUI$1,82527.98%
Speeding Violation$1,62719.21%
Bad Credit$2,90254.70%

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Top rated car insurance companies in Missouri

Every auto insurance company emphasizes its low rates. But just like with any service, the least expensive car insurance option is not always the preferable choice. Considering the stakes, it's worthwhile to do your research to find a policy that protects your car adequately after an accident. It's worth comparing insurance options to discover a great value, instead of settling for the cheapest car insurance you can find.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

AlliedN/AN/AAverageN/A
AllstateAbove averageAverageSuperior4.3 / 5
FarmersAverageBelow averageExcellent4.3 / 5
GEICOAverageAverageSuperior4.4 / 5
NationwideAbove averagePoorSuperior4.3 / 5
ProgressiveBelow averageBelow averageExcellent4.3 / 5
State FarmAbove averageAbove averageSuperior4.5 / 5
The HartfordExcellentAbove averageExcellentN/A
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5

 

Missouri auto insurance laws

In Missouri, the minimum coverage requirements are as follows:

Liability:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $25,000 per accident

Uninsured Motorist:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident

Optional coverage in Missouri (which varies by carrier) includes:

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Underinsured Motorist Bodily Injury

For the legal minimum coverage in Missouri, you'll owe an average of $519 each year. This is cheaper than the U.S. average by 21%. If you opt for better car insurance coverage, you can select a policy with comprehensive and collision coverage, insuring against damages caused by car-vs.-car wrecks, theft, or weather incidents. It's worth noting that better auto insurance comes at a cost: in Missouri, a comprehensive insurance policy with a $1,000 deductible runs $1,169, 125% more than basic insurance coverage. For a comprehensive policy with a $500 deductible, you can expect to pay 156% more than you would for a basic liability-only policy.

Read more about coverage requirements in this state.

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How tickets change insurance rates in Missouri

If you receive a ticket or citation, your auto insurance premiums will probably rise. By how much depends on the violation's severity, your insurance company's pricing strategy, and differing local insurance regulations and risks. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at car insurance costs in Missouri after a few common violations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,00642%$596
Refused Breathalyzer/Chemical Test$1,90135%$491
DUI$1,90135%$491
Racing$2,00642%$596
Reckless Driving$1,92036%$511
Driving with a Suspended License$2,02444%$614
At-Fault Accident$1,89534%$485
Driving with an Open Container$1,73123%$321
Operating a Vehicle Without Permission$1,76825%$358
Passing a School Bus$1,70421%$294
Improper Passing$1,70421%$294
Following Too Closely$1,69320%$283
Speeding$1,69120%$282
Failure to Stop at a Red Light$1,69320%$283
Illegal Turn$1,71221%$303
Driving Wrong Way/Wrong Lane$1,71722%$307
Failure to Yield$1,69320%$283
Speeding in a School Zone$1,69020%$280
Driving Too Slowly$1,69020%$281
Distracted Driving$1,65618%$247
Driving with Expired Registration$1,5329%$123
Failure to Show Documents$1,5329%$123
Not-at-Fault Accident$1,4533%$43
Failure to Use Child Safety Restraint$1,5127%$103
Failure to Wear a Seat Belt$1,5097%$99
Driving Without Lights$1,5047%$95

 

Missouri car insurance FAQs

Who actually has the cheapest car insurance in Missouri?

Our data indicate The Hartford has the cheapest premiums in Missouri. On average, you can buy a policy for $45 per month from Travelers.

How much does car insurance cost in Missouri?

For a six-month policy, drivers in Missouri pay $665. This is approximately $30 cheaper than the national average.

Is driving without insurance illegal in Missouri?

Yes — like most states in the U.S., it is illegal to drive without insurance in Missouri. Use The Zebra to find insurance online today.

How much does car insurance cost in Missouri cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Jefferson City, Missouri, and the most expensive in Saint Louis, Missouri.

RankCityAvg. Annual Premium
1Saint Louis$2,540
2Kansas City$1,991
3Independence$1,869
4Lee's Summit$1,751
5Springfield$1,667
6Columbia$1,650
7Jefferson City$1,508

 

Recent Questions:

I had an accident when my insurance lapsed

Because you didn't have insurance at the time of the accident, all repairs to the other vehicle and yours will have to be covered out of pocket. I recommend getting a new car insurance quote as fast as possible in order to avoid any additional out of pocket expenses.
Mar 25, 2018 Waynesville, Missouri

I have a loan on my car but don't drive do i need insurance

Because you have a loan on the car, you more than likely will have to carry comprehensive and collision coverage as well as your state-required liability insurance. This is because whoever holds the loan has a financial investment in the vehicle and if anything were to happen to it, they would be left vulnerable.
Jun 11, 2018 Kansas City, MO

Home insurance liability cover injury on my camper trailer?

There's a couple of things to think about here. It sounds like you have your travel trailer bundled with your auto insurance policy because more often then not your travel trailer needs a separate policy.
Aug 3, 2018 Edina, MO

How will my insurance handle a claim where I backed my boat into another truck at the dock?

The simple is, yes, you will have to file 2 claims. The damage to your boat would have to be claimed on your boat insurance policy. The liability from the vehicle you were driving is actually what will pay out for the other party's damage, and not the boat insurance liability, since the boat was out of the water at the time of the accident.
Jul 17, 2017 Fenton, MO

Ross Martin
Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.