The best car insurance in Missouri

The average cost of a full coverage car insurance policy in the state of Missouri is $1,568 per year, but rates can vary widely from city to city. The average cost of car insurance in St. Louis is $2,386 while those living in Woolridge pay an average of only $1,474.

No matter where in Missouri you live, the best way to find cheap car insurance is to shop around and compare quotes before you buy. Policygenius can help you see what you’ll pay with top companies, so you can be confident you’re not missing out on a better deal.

Cheapest car insurance companies in Missouri

Insurance costs vary based on where you live, how old you are, your driving record, and the type of car you drive. Every insurance company has its own unique formula for determining rates, so you can get different rates from two companies, even for identical coverage.

Cheapest car insurance companies by age in Missouri

Your age also matters a lot when it comes to car insurance. Young drivers pay much more than older drivers because of their lack of driving experience. But some companies offer cheaper rates to young drivers than others.

Choosing the right car insurance company in Missouri

Choosing the right car insurance company may seem like an overwhelming task, but it’s easier than you think. Make sure you’re considering these key factors:

• Cost: Get quotes from multiple car insurance companies so you can compare options and make sure you’re getting affordable rates

• Coverage: The higher you set your limits, the more protection you’ll have in case of an accident, so figure out how much coverage you can get while staying in budget

• Service: Check out things like claims satisfaction ratings or perks like accident forgiveness to make sure you’re choosing a company that will do right by you 

Policygenius makes it easy to see rates from top companies so you know exactly what your options are.

Car insurance rates for drivers with driving violations in Missouri

Your driving history can have a big impact on how much you pay for car insurance. Speeding tickets, accidents and violations like a DUI will increase your rates, sometimes by thousands of dollars a year.

Cheapest car insurance for drivers with bad credit in Missouri

Drivers with poor credit typically pay more for car insurance, which makes it all the more important for them to shop around before they buy a policy. The table below shows the five cheapest car insurance companies in Missouri for drivers who have bad credit.

Car insurance costs in Missouri cities

Rates are typically higher in bigger cities, because more cars on the roads means more opportunities for accidents. The list below shows the average annual car insurance costs for the 10 biggest cities in Missouri by population size.

• Kansas City: $1,808

• St. Louis: $2,386

• Springfield: $1,536

• Columbia: $1,431

• Independence: $1,659

• Lee’s Summit: $1,539

• O’Fallon: $1,508

• St. Joseph: $1,510

• St. Charles: $1,517

• Blue Springs: $1,526

Buying car insurance in Missouri

Missouri requires that all drivers have a minimum amount of car insurance — and you must show proof of insurance when you register your vehicle. The minimum amounts required are:

• $25,000 per person/$50,000 per accident in bodily injury liability

• $25,000 per accident in property damage liability

• $25,000 per person/$50,000 per accident in uninsured motorist coverage

Missouri is not a no-fault state. This means that the insurance of the driver who is determined to be at fault for an accident will pay for the other driver’s repair costs and medical bills. That’s why it’s a good idea to set your liability limit much higher than the minimums required by the state.

How to get cheap car insurance in Missouri

There are several ways to get cheap car insurance in Missouri, including:

• Drive safely: Avoid accidents and moving violations if you want to keep your car insurance rates low

• Compare quotes: Shop around and compare rates from multiple insurance companies before you buy.

• Take advantage of discounts: Most insurance companies offer discounts for things like paying your bill in full for the year, going paperless, taking a defensive driving course, and owning a home

• Bundle policies: Get your home and auto insurance from the same company and you’ll save on both

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

• Bodily injury liability: 50/100

• Property damage liability: $50,000

• Uninsured/underinsured motorist: 50/100

• Comprehensive: $500 deductible

• Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.