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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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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?
Rank Company Name Avg. Annual Premium
1 The Hartford $801
2 Travelers $1,018
3 Allied $1,047
4 USAA $1,234
5 Nationwide $1,490
6 State Farm $1,567
7 Progressive $1,920
8 American Family $2,092
9 Allstate $2,237
10 Farmers $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 $313 19.21%
No Accidents $548 29.42%
Good Credit $1,588 54.70%

 

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.

Age Annual Rate with Parents Annual 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, a bad 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 Factor Annual Rate % Increase
At-Fault Accident $1,863 29.42%
DUI $1,825 27.98%
Speeding Violation $1,627 19.21%
Bad Credit $2,902 54.70%

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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)

Allied N/A N/A Average N/A
Allstate Average Average Superior 4.3 / 5
Farmers Excellent Below average Excellent 4.3 / 5
GEICO Average Average Superior 4.4 / 5
Nationwide Average Poor Superior 4.3 / 5
Progressive Below average Below average Excellent 4.3 / 5
State Farm Above average Above average Superior 4.5 / 5
The Hartford Excellent Above average Excellent N/A
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,006 42% $596
Refused Breathalyzer/Chemical Test $1,901 35% $491
DUI $1,901 35% $491
Racing $2,006 42% $596
Reckless Driving $1,920 36% $511
Driving with a Suspended License $2,024 44% $614
At-Fault Accident $1,895 34% $485
Driving with an Open Container $1,731 23% $321
Operating a Vehicle Without Permission $1,768 25% $358
Passing a School Bus $1,704 21% $294
Improper Passing $1,704 21% $294
Following Too Closely $1,693 20% $283
Speeding $1,691 20% $282
Failure to Stop at a Red Light $1,693 20% $283
Illegal Turn $1,712 21% $303
Driving Wrong Way/Wrong Lane $1,717 22% $307
Failure to Yield $1,693 20% $283
Speeding in a School Zone $1,690 20% $280
Driving Too Slowly $1,690 20% $281
Distracted Driving $1,656 18% $247
Driving with Expired Registration $1,532 9% $123
Failure to Show Documents $1,532 9% $123
Not-at-Fault Accident $1,453 3% $43
Failure to Use Child Safety Restraint $1,512 7% $103
Failure to Wear a Seat Belt $1,509 7% $99
Driving Without Lights $1,504 7% $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.

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

 

Recent Questions:

Do I have a legitimate loss of use claim?

Loss of use clauses in renters policies typically cover up to $1,000. It is best to contact your renters insurance company to see how much they cover for loss of use as specified in your policy.
Dec 21, 2020 Rolla, MO

Will a trampoline make my home insurance more expensive?

Unfortunately, it is definitely possible that having a trampoline will cause your homeowners insurance rate to increase. It's even possible that having a trampoline could cause your insurance company to cancel or non-renew your policy altogether. The impact to your rate or the acceptability of the risk in general is up to your specific insurance company.
May 29, 2017 Springfield, MO

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 24, 2018 Waynesville, Missouri

Can I transfer my insurance coverage from my car to my mom's car?

You cannot "transfer" insurance coverage. While you can try adding your mom's car to your insurance policy (your insurance likely won't question you adding a vehicle, and assume it's yours) in the event of an accident, there could be complications as to how the payout would be handled.
Oct 31, 2019 Joplin, MO

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin 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 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.