Cheap Missouri Car Insurance

Compare the best rates from 17 car insurance companies in Missouri.

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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 get you prepped, then you take the wheel.

Cheap Car Insurance

It's cheap to get car insurance in Missouri!

Whoa! Missouri is one of the cheapest states for car insurance. Let's see how much you'll save!

At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Missouri might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.

What's the cheapest car insurance in Missouri?
Rank Company Name Avg. Annual Premium
1 USAA $655
2 The Hartford $801
3 Electric $858
4 Allied $858
5 Auto-Owners $1,017
6 Travelers $1,018
7 MO Farm Bureau $1,042
8 Nationwide $1,120
9 Farmers $1,128
10 Cameron Mutual $1,178
11 State Farm $1,246
12 American Family $1,266
13 Safe Auto $1,391
14 Progressive $1,396
15 Safeco $1,398
16 GEICO $1,420
17 Shelter $1,433
18 MetLife $1,444
19 Cal Casualty $1,454
20 Auto Club $1,503
21 Encompass $1,547
22 Allstate $1,917
23 21st Century $1,940

Cheap 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 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 Car 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%

Car Insurance Laws

State minimum insurance requirements in Missouri

In Missouri, the state minimum coverage requirements are as follows:
Liability
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $10,000 per accident
Uninsured Motorist
  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
Optional coverage in Missouri (varies by carrier):
  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Underinsured Motorist Bodily Injury

Liability coverage is legally required in Missouri and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Missouri, the minimum is listed as 25/50/10 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$10,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

Uninsured Motorist coverage is legally required in Missouri and pays for injury and lost wages that you or your passengers may suffer in the event that you are hit by an uninsured driver who is at fault. The coverage limits are determined by each individual state and normally split into two categories. In Missouri, the minimum is listed as 25/50 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person injured in your vehicle by an uninsured driver.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries in your vehicle by an uninsured driver if more than one person is hurt.

These numbers reflect the minimum limits required in Missouri but higher coverage amounts are available with most companies.

Cheap Missouri Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Missouri.

Car Insurance FAQs

Are digital insurance cards accepted in Missouri?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Missouri you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Missouri?

Uninsured Drivers in Missouri
Missouri

14%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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 $1,459
2 Florissant $1,430
3 University City $1,380
4 Raytown $1,290
5 Kansas City $1,270
6 Mehlville $1,247
7 Independence $1,239
8 Chesterfield $1,232
9 Wildwood $1,226
10 Ballwin $1,220
11 Kirkwood $1,211
12 Liberty $1,177
13 Lee's Summit $1,158
14 Blue Springs $1,149
15 Joplin $1,149
16 Saint Joseph $1,145
17 Wentzville $1,123
18 Saint Charles $1,118
19 O'Fallon $1,112
20 Saint Peters $1,106
21 Springfield $1,097
22 Cape Girardeau $1,083
23 Columbia $1,078
24 Jefferson City $1,018

Recent Missouri Car Insurance Questions and Answers

What happens after I file a car insurance claim?

Jun 15, 2018

So, I called my insurance after hitting another vehicle. Both cars had barely any damage and I called my insurance ...

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

Jun 11, 2018

I am not driving my car for personal reasons but i owe payment do i need to have insurance still ...

Uninsured vehicle damaged at a car wash who is responsible

May 27, 2018

If I don’t have insurance and my car was damaged at a self service car wash would I have to ...

I had an accident when my insurance lapsed

Mar 25, 2018

My son got into an accident when our insurance was lapsed and it won’t be reinstated. He was also ticketed ...

Driving Laws

Missouri Texting and Driving Laws

  1. Ban on text messaging for drivers <21
Alcohol Related Fatalities

280

Per Year in Missouri
Annual DUI Arrests
Missouri
34,004
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.
Additional Resources:

Missouri Car Insurance

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Missouri Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Missouri area, while also getting an insider view of the Show Me State.

Click here to learn more.

Prompt

So, Missouri students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2018.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2019.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.