Car Insurance in Missouri

  • Travelers offers the cheapest full coverage in MO
  • Compare the cheapest car insurance quotes in MO from Progressive, Allstate, Liberty Mutual and Nationwide (+ other top companies)
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About The Zebra's recommendations

The Zebra’s product features real quotes from some of the companies we review. However, our content and reviews are unbiased and never commissioned-based.

Reference our editorial standards or learn more about how we make money.

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Ross Martin

Insurance Writer

Credentials
  • 5+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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Renata Balasco

Senior Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 5+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Car insurance quotes in Missouri

The average car insurance rate in Missouri is $1,611 for a six-month policy — 47% more than the U.S. average.[1] Because of this, 34% of The Zebra's customers in Missouri feel that they are paying too much for auto insurance.[2] For those shoppers, we recommend starting your search with USAA or Travelers.

The Zebra's experts analyzed average Missouri car insurance rates for these rating factors to help you find an affordable policy. Submit your ZIP code above to get personalized quotes from top insurers.

Travelers logo
Cheapest full coverage in MO
USAA logo
Cheapest liability coverage in MO
Shelter insurance logo
Best customer service in MO
Shelter logo
Best car insurance in MO — overall

The Zebra recommends starting, not ending, your search for cheap car insurance coverage in Missouri with these selections. Make sure to get personalized quotes to see if our recommendations are a good fit for you.


Cheap full coverage in Missouri

Full coverage in 2024 costs $1,611 for Missouri drivers.[1] 55% of The Zebra's Missouri customers get quotes for a full coverage policy.[2]

While this is a lot higher than liability-only coverage, Missourians looking for the peace of mind that full coverage can bring should start their search with a company such as Travelers, USAA or GEICO.

Cheapest auto insurance companies in Missouri

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $624 $104
USAA $671 $112
GEICO $1,024 $171
Shelter $1,031 $172
Progressive $1,128 $188
State Farm $1,350 $225
Nationwide $1,513 $252
Allstate $1,649 $275

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.

If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But be aware that better coverage comes with a higher cost.

Find the best coverage and price in Missouri with The Zebra

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Cheap liability insurance in Missouri

Liability insurance costs an average of $498 for a 6-month policy, significantly cheaper than the average full coverage policy.[1]

The Zebra's average driver profile found that USAA was the cheapest liability insurance company in Missouri. For those who are not eligible for USAA, Travelers and Progress could be great, affordable options as well.

Liability insurance quotes in MO

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $183 $30
Travelers $235 $39
Progressive $262 $44
GEICO $299 $50
Shelter $377 $63
State Farm $414 $69
Allstate $537 $90
Nationwide $603 $101

Source: The Zebra

Based on our research, 45% of The Zebra's Missouri customers get quotes for a liability-only policy.[2] The Missouri Department of Insurance mandates minimum liability limits of 25/50/25. This translates to $25,000 per person and $50,000 per accident for bodily injury, along with $25,000 for property damage per accident. Check out our guide for a comprehensive understanding of Missouri's car insurance requirements and laws.

Ask an agent — Expert insurance agents ready to answer your questions.
Zebra tip: Is the required liability insurance in Missouri enough?

While 45% of Missourians opt for liability-only coverage, we at The Zebra advise against this. Such minimal coverage exposes both you and your vehicle to potential risks. Missouri's liability-only insurance requirements provide only $25,000 per accident for property damage liability and $25,000 per person for personal injury protection, which could leave you under-protected. We recommend levels of at least 50/100/50 to be protected.

Ross Martin - Insurance writer and content manager at The Zebra

Liability only vs. full coverage by company

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Company Full Coverage Liability Coverage $ Difference
Travelers $624 $235 $389
USAA $671 $183 $488
Shelter $1,031 $377 $654
GEICO $1,024 $299 $725
Progressive $1,128 $262 $866
Nationwide $1,513 $603 $910
State Farm $1,350 $414 $936
Allstate $1,649 $537 $1,111

Source: The Zebra

There's no doubt that liability-only coverage costs significantly less than full coverage. This is because liability coverage generally only pays for accidents or damages you cause to others, offering no protection for you or your vehicle. Check out the price comparisons below.


Cheap auto insurance for young drivers in Missouri

Finding affordable car insurance is a challenge for young drivers in Missouri. Teens in Missouri face six-month premiums of $5,326 — that’s well above the national average and more than three times the cost for a 30-year-old driver in the state.

Cheap auto insurance for young drivers in Missouri

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $1,542 $257
USAA $1,938 $323
Shelter $2,046 $341
GEICO $2,663 $444
Progressive $4,048 $675
Allstate $4,120 $687
State Farm $4,365 $727
Nationwide $4,614 $769

Source: The Zebra

Cheapest insurance companies in MO for young drivers
Filter by:

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Shelter $2,293 $382
USAA $2,880 $480
GEICO $3,141 $523
Allstate $5,517 $919
Progressive $5,577 $929
State Farm $5,760 $960

Source: The Zebra

Zebra tip: Ways to save on car insurance for young drivers

  • Stay on a parent's policy: Being added to a parent's insurance policy is almost always more affordable than getting your own separate coverage.
  • Good student discounts: Numerous insurers provide discounts to students who maintain a "B" average or are enrolled in school away from home.
  • Opt for a budget-friendly, safe vehicle: Insuring high-performance sports cars and luxury vehicles is typically more expensive, especially for younger drivers.

What are the best car insurance companies in Missouri?

The Zebra conducted an expert analysis to find the "best" car insurance companies in Missouri. We used customer satisfaction ratings, average cost, coverage options, and the availability of additional benefits to provide these scores.

Shelter insurance logo
Overall best car insurance company in Missouri — Shelter Insurance

The Zebra considers Shelter the best car insurance company for most people in Missouri due to its strong customer satisfaction and claims handling. While it may not always be the cheapest option, Shelter consistently receives high ratings for customer service and claims satisfaction. This is supported by J.D. Power's 2024 regional study, where Shelter outscored all competitors in customer satisfaction, making the slightly higher cost worth it for the peace of mind and reliable service.[3]

Pros
  • Numerous coverage options

  • Great customer satisfaction scores

  • Affordable pricing

Cons
  • May be expensive for younger drivers or those with at-fault accidents

  • Rates are climbing in recent years

  • Mobile apps and online services receive mixed reviews

Best car insurance in Missouri — honorable mentions

Shelter is a great carrier, but it isn't the sole reputable option for Missouri drivers. Here are a few other top-rated companies based on J.D. Power's study and The Zebra's survey of 2,722 drivers.

Best car insurance companies in Missouri

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
USAA $671 $112
American Family $845 $141
GEICO $1,024 $171
State Farm $1,350 $225

Source: The Zebra

How did we pick what company has the "Best Value" in Missouri?

The author's recommendation for "best value" is based on:

  • The Zebra's 2024 Customer Satisfaction Survey
  • J.D. Power's 2024 Regional Customer Satisfaction Study
  • Each company's average cost of car insurance in Missouri
  • Available coverage options
  • The author's 5+ years of insurance industry experience

Our reviews are based on The Zebra's unbiased and impartial editorial standards. Our ratings of insurance companies are never commissioned-based nor is our content impacted by any partnerships.

For more information, see our editorial standards page.

Find the best coverage and price in Missouri with The Zebra.

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Missouri auto insurance quotes after an accident or ticket

Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as $915 per year.

Below is an idea of how much insurance companies in Missouri will charge you after an at-fault accident.

Auto insurance rates for drivers with at-fault accidents in Missouri

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Company Avg. 6 Mo. Premium Avg. Monthly Premium
Travelers $759 $126
USAA $892 $149
Shelter $1,285 $214
Progressive $1,503 $251
State Farm $1,596 $266
GEICO $1,630 $272
Nationwide $2,236 $373
Allstate $2,427 $405

Source: The Zebra

Zebra tip: Don't forget about claims satisfaction

While it's ideal to never use your insurance, having a hassle-free claims process is essential when needed. According to our 2024 Customer Satisfaction Survey, Auto-Owners Insurance stood out as a preferred option among claimants. If you're a Missouri resident, Auto-Owners is certainly worth considering.

In Missouri, a poor driving record will lead to significantly higher insurance rates. If you get a ticket or citation, expect your auto insurance premiums to increase. The amount of the increase depends on the violation, your insurer's pricing policies, and the local insurance regulations and risks. Consequently, tickets can affect insurance rates in Missouri differently than the national average.

Missouri auto insurance quotes by violation

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Accident/Violation Avg. Annual Premium $ Rate Increase
None $3,222 $0
One Med/PIP claim $3,222 $0
Not-at-fault accident $3,325 $102
Two Med/PIP claims $3,345 $123
One comp claim $3,345 $123
Two comp claims $3,561 $338
Failure to wear a seat belt $3,659 $436
Failure to show documents $3,673 $451
Child safety restraint $3,733 $510
Driving without lights $3,733 $510
Driving with expired registration $3,761 $538
Following too closely $3,778 $556
Speeding in school zone $3,779 $556
Driving too slowly $3,779 $556
Cell phone violation $3,784 $561
Speeding 6 - 10 MPH over limit $3,788 $565
Speeding 11 - 15 MPH over limit $3,789 $566
Speeding 16 - 20 MPH over limit $3,789 $566
Texting while driving $3,789 $567
Failure to yield $3,797 $574
Wrong way/wrong lane $3,804 $582
Illegal turn $3,807 $584
Failure to stop at a red light $3,812 $590
Improper passing $3,813 $591
Speeding 21 - 25 MPH over limit $3,819 $597
In 65 MPH zone $3,845 $623
Passing school bus $3,914 $692
Open container $4,027 $804
Operating a vehicle without permission $4,129 $906
At-fault accident - less than $1000 $4,465 $1,243
At-fault accident - $1000-$2000 $4,710 $1,488
At-fault accident - greater than $2000 $4,711 $1,489
Refusal to submit to a chemical test $4,776 $1,554
DUI $4,862 $1,640
Driving with a suspended license $4,969 $1,747
Racing $5,086 $1,863
Leaving scene of an accident/hit and run $5,161 $1,939
Reckless driving $5,225 $2,002

Source: The Zebra

The Zebra's guide to Missouri car insurance laws for high-risk drivers

Certain violations, like a DUI or driving without insurance, can complicate your insurance situation. For more details on Missouri's car insurance laws and regulations, check out our comprehensive guides below.

Discover all you need to know about car insurance requirements in Missouri with our informative guide.

Missouri DUI laws

In Missouri, a DUI offense can increase your annual car insurance premium by an average of $644. 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. For example, the least expensive car insurance company with a DUI in Missouri, Travelers, advertises annual rates 26% less than the statewide average insurance rate with a DUI. The second-cheapest insurer for auto insurance after a DUI in Missouri is USAA, while the priciest firm is GEICO, with prices 46% above average.

Auto insurance rates by company in Missouri for DUI

Updating data...

Company Avg. Annual Premium
USAA $2,341
Travelers $1,604
State Farm $3,588
Shelter $2,918
Progressive $2,533
Nationwide $5,578
GEICO $4,123
Allstate $4,221

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 insurance

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 the company 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!

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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 Taos, Missouri, and the most expensive in Pine Lawn, Missouri.

Have a look at the table below to see average car insurance costs in some of Missouri's biggest cities.

Auto insurance quotes in Missouri's biggest cities

Updating data...

City Avg. 6 Mo. Premium Avg. Monthly Premium
St. Louis $2,091 $349
Kansas City $1,804 $301
Independence $1,690 $282
Springfield $1,496 $249
Columbia $1,480 $247

Source: The Zebra


How have car insurance costs in Missouri changed?

In Missouri, average annual auto insurance costs increased by just $42 in the past year. A typical Missouri driver pays an average of $1,611 per year.

The recent pricing trend in Missouri leans toward lower car insurance costs than the national average. The steepest decrease occurred from 2015 to 2016, while recent years have seen surges taking place post-pandemic. At the same time, car insurance rates across the United States have continued to increase due to inflation and increased numbers of claims.

Car insurance costs in Missouri since 2015
Year Avg. Annual Premium — Missouri Yearly Change — Missouri
2024 $2,100 $42
2023 $2,058 $141
2022 $1,917 $219
2021 $1,698 $11
2020 $1,687 -$42
2019 $1,729 $150
2018 $1,579 -$217
2017 $1,796 $234
2016 $1,562 -$323
2015 $1,885 $216

If your rates are rising faster than the average in your state, compare quotes and find a better deal. The Zebra's car insurance comparison engine furnishes quotes based on your specific profile — enter your ZIP below to get started.


Missouri car insurance FAQs

Below you'll find answers to some of the most commonly asked questions regarding Missouri auto insurance.

Our data indicate Travelers has the cheapest full coverage premiums in Missouri. On average, you can buy a full coverage policy for $104 per month from Travelers.

For a six-month full coverage policy, drivers in Missouri pay an average of $1,611. This is approximately $268 per month, about 47% more than the national average.

It is illegal to drive without insurance in Missouri. The law states that drivers must carry liability insurance coverage in the amounts of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident. Furthermore, a lienholder can require comprehensive and collision coverage to protect their investment.

Yes. Car insurance rates in Missouri have continued to rise in recent years, climbing from $1,698 in 2021 to $2,100 in 2024. This mirrors a national trend to the increases in costs of materials and labor, as well as increased claims.

Save money on your next car insurance policy!

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Sources:
  1. Data Methodology. The Zebra’s Dynamic Insurance Rating Tool

  2. Anonymized User Surveys. The Zebra

  3. J.D. Power. 2024 U.S. Auto Insurance Study

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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.