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)
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 has the cheapest full coverage for Missouri drivers on average at $104/month
- Read more about the best-rated companies in Missouri ↓
- USAA offers the cheapest liability coverage in Missouri at $30 per month.
- For those who aren't eligible, Travelers comes in just a bit higher at $39 per month.
- Read more about liability car insurance options in Missouri ↓
- As a highly-rated regional carrier, Shelter Insurance topped the Central region with a score of 677 (out of 1,000) on J.D. Power's 2024 auto study.[3]
- Read more about the best-rated companies in Missouri ↓
- With affordable rates and top-notch J.D. Power scores, Shelter pleases its customers as a reliable choice for car insurance. As such, The Zebra determined that Shelter is a great fit for most Missouri drivers.
- Read more about why Shelter is a great fit for many Missourians↓
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.
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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
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.
Updating data...
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.
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
Updating data...
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.
Updating data...
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
Updating data...
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.
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]
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Numerous coverage options
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Great customer satisfaction scores
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Affordable pricing
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May be expensive for younger drivers or those with at-fault accidents
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Rates are climbing in recent years
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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.
Updating data...
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.
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.
Updating data...
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
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.
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.
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.
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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!
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.
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.
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.
Save money on your next car insurance policy!
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Surveys. The Zebra
J.D. Power. 2024 U.S. Auto Insurance Study
RECENT QUESTIONS ABOUT CAR INSURANCE IN MO
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Learn more about car insurance in Missouri:
- Car Insurance in Columbia, MO
- Average Cost of Auto Insurance in Missouri
- Missouri Car Insurance Laws
- Car Insurance in Springfield, MO
- Car Insurance with a DUI in Missouri
- Car Insurance in Kansas City, MO
- Car Insurance in St. Louis, MO
- Car Insurance for High-Risk Missouri Drivers
- Temporary Car Insurance in Missouri
- Independence, MO Car Insurance
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.