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

What's the cheapest car insurance in Missouri?
RankCompany NameAvg. Annual Premium
1USAA$655
2The Hartford$801
3Electric$858
4Allied$858
5Auto-Owners$1,017
6Travelers$1,018
7MO Farm Bureau$1,042
8Nationwide$1,120
9Farmers$1,128
10Cameron Mutual$1,178
11State Farm$1,246
12American Family$1,266
13Safe Auto$1,391
14Progressive$1,396
15Safeco$1,398
16GEICO$1,420
17Shelter$1,433
18MetLife$1,444
19Cal Casualty$1,454
20Auto Club$1,503
21Encompass$1,547
22Allstate$1,917
2321st 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$31319.21%
No Accidents$54829.42%
Good Credit$1,58854.70%

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.

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

What are the Best Car Insurance Companies in Missouri?

Every auto insurance company emphasizes its low rates. But just like with any service, the cheapest car insurance option is not always the preferable choice. Considering the stakes, it's worthwhile to do your research to find the 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.

Compare popular insurers' financial strength and claims satisfaction ratings to better understand the quality of service you will receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and varying from "Poor" to "Superior" — determines an insurer's financial stability and ability to fulfill its contractual and policy obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
21st Century3Excellent
Allied3Superior
Allstate3Superior
Cameron MutualNot RatedGood
ElectricNot RatedExcellent
Farmers3Excellent
GEICO3Superior
MetLife3Superior
Nationwide4Superior
Progressive3Superior
ShelterNot RatedExcellent
State Farm3Superior
The Hartford4Excellent
Travelers3Superior
USAA5Superior

 

What is the Best Car Insurance Coverage in Missouri?

The required minimum insurance level in Missouri is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $10,000 Property Damage per accident.

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.

Contrast average rates for basic, better, and best car insurance options below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Missouri$518.89$1,169.22$1,330.20
National Average$657.66$1,241.26$1,397.94

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.

Car Insurance FAQs

Are digital insurance cards accepted in Missouri?

Yes — 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?

14% of motorists don't have insurance in Missouri — above the national average of 13%. It's not a bad idea to purchase uninsured motorist coverage in Missouri to avoid extra costs if you get into an accident.

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

Recent Missouri Car Insurance Questions and Answers

Liability coverage or comprehensive coverage for 04 Nissan Altima

Planning on buying an ’04 Nissan Altima. As a first time auto insurance buyer, I’m not sure if I should ...

AUG 05, 2018
Home insurance liability cover injury on my camper trailer?

If my camper is insured on my personal auto policy for physical damage will my personal liability from my homeowners ...

AUG 03, 2018
Commercial car insurance: how does it work?

Our company does work for another company, in which some of our employees may need to drive their company cars. ...

JUL 06, 2018
What happens after I file a car insurance claim?

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

JUN 15, 2018

Driving Laws

Missouri Texting and Driving Laws

  • Ban on text messaging for drivers <21

Missouri DUI Laws

Some DWI offenses result in harsher penalties if they occur within five years of a previous DWI offense in Missouri. For others, prior lifetime convictions are taken into account. Repeated offenses subject offenders to harsher penalties and fines.

First-time DWI offenses in Missouri lead to:

  • Up to six months in prison Up to $500 in fines
  • A 90-day license suspension
  • Possible requirement to use an interlock ignition device for at least one month
  • Possible requirement to complete an alcohol evaluation or treatment program
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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.

Prompt

So, 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.

How do I choose a location?

The length of the road trip to your feature destrination 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
1. Create a video

Your original video should not exceed 2 minutes

2. Post online

The video must be hosted on YouTube or Vimeo

3. Submit by email

Email your submission to scholarships@thezebra.com

4. Please include...

your name, address, and phone number when you submit

Details
Award

Selected winner(s) will be awarded a check for $1,000

Deadline

Applications must be received by 11:59 p.m. CST on December 31st, 2018

Notification

Winner(s) will be selected and notified by email by January 31st, 2019

Judges: The Zebra

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.

Click here to learn more