USAA is the cheapest car insurance company in Missouri with an average rate of $62 per month, but it’s only available if you’re a veteran, member of the military, or a part of a military family. If you don’t qualify for USAA coverage, State Farm has the cheapest rates in Missouri for most people.
Besides USAA and State Farm, the cheapest car insurance companies in Missouri are Travelers, Farm Bureau, and Auto-Owners. Since rates are different for every driver, you should compare quotes to be sure you get the best price.
Company | Average monthly cost | Average annual cost |
|---|---|---|
USAA | $62 | $741 |
State Farm | $92 | $1,100 |
Travelers | $100 | $1,205 |
Farm Bureau | $102 | $1,223 |
Auto-Owners Insurance | $112 | $1,349 |
Methodology & why you can trust our rates
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.
Cheapest car insurance companies in Missouri
USAA is one of the most reliably cheap car insurance companies in the country. It also has a long-standing reputation for great customer service. Unlike other providers, USAA is only offered to drivers who are affiliated with the military.
Pros
Offers coverage in every state and the District of Columbia
Usually has some of the cheapest car insurance rates of any company
Drivers can use discounts to lower their rates
Consistently high customer satisfaction
Cons
Limited options for adding extra coverage
Only available to members of the military, veterans, and their families
Read our full USAA auto insurance review
We found that the cheapest car insurance company in Missouri is USAA. On average, USAA costs drivers in Missouri $62 a month or $741 per year. That’s $847 cheaper per year than the statewide average.
USAA is also the cheapest car insurance for newly-licensed drivers and for senior drivers in Missouri.
As the country’s biggest car insurance company, State Farm makes it easy for drivers to get coverage, make claims, and stay in contact. Also, State Farm is one of the cheapest insurers for most drivers, and tends to have great customer service.
Pros
Coverage available in nearly every state (along with in-person offices)
Cheap car insurance, including for some high-risk drivers
Consistently high customer service ratings
Some discounts, especially for good drivers
Cons
Doesn’t offer as many coverage options as some competitors
Read our full State Farm car insurance review
State Farm is the second-cheapest car insurance company in Missouri, and the company with the cheapest rates for the general public. State Farm costs $92 a month, or $1,100 per year in Missouri, $488 cheaper than the statewide average.
Travelers has cheaper-than-average car insurance rates (and a long list of discounts). It also offers useful coverage add-ons. But Travelers has weaker claims satisfaction and complaint scores than other providers.
Pros
Lower-than-average rates
Offers useful endorsements like new car replacement, gap coverage
Has a range of discounts that can save drivers money
Coverage is available to all drivers in most states
Cons
Customer service scores are lower than some competitors
Read our full Travelers car insurance review
Travelers has the third-cheapest car insurance rates in Missouri. The average cost of car insurance in Missouri from Travelers is $100 a month, or $1,205 per year. That’s $383 cheaper than Missouri’s statewide average.
Missouri’s Farm Bureau affiliate has cheap rates and lots of policy offerings, like gap insurance, new vehicle replacement, and personal belongings coverage.
Pros
Cheaper-than-average rates
Lots of coverage options, like gap insurance
Receives few complaints
Cons
Membership fee
Missouri Farm Bureau has the fourth-cheapest car insurance in the state. On average, coverage from Farm Bureau costs $102 a month in Missouri, or $1,223 per year ($365 cheaper than the statewide average).
Auto-Owners tends to be a cheap option for most drivers. Available in 26 states spread out across the country, Auto-Owners brings together affordable coverage and highly-rated customer service.
Pros
Cheap car insurance rates for many drivers
Offers lots of add-ons, like gap coverage and diminished value protection
Receives fewer complaints from policyholders than competitors
Cons
No longer has a usage-based insurance discount
At $112 a month, Auto-Owners also has some of the cheapest car insurance rates in Missouri. is $239 cheaper per year than the statewide average.
Best car insurance companies in Missouri
The best car insurance provider in Missouri is USAA. USAA scored the highest on J.D. Power’s 2022 Auto Insurance Survey, which measures how policyholders feel about their company, including customer service, billing, claims, and price. [1]
Shelter is the best car insurance company for Missouri drivers who aren’t affiliated with the military and can’t get coverage from USAA.
Rank | Company | Score |
|---|---|---|
1 | USAA | 879 |
2 | Shelter | 866 |
3 | American Family | 848 |
4 | GEICO | 847 |
5 | State Farm | 843 |
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 offer cheaper rates to young drivers than others.
We found that USAA has the cheapest car insurance in Missouri across different age groups.
Age | Cheapest company | Average cost |
|---|---|---|
16 | USAA | $2,511 |
18 | USAA | $1,637 |
21 | USAA | $1,050 |
25 | USAA | $874 |
30 | USAA | $789 |
35 | USAA | $740 |
45 | USAA | $695 |
55 | USAA | $656 |
60 | USAA | $648 |
65 | USAA | $656 |
70 | USAA | $703 |
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.
We found that USAA or State Farm has the cheapest car insurance in Missouri after a violation.
Violation | USAA | State Farm | Travelers | Farm Bureau | Auto-Owners Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,039 | $1,277 | $1,606 | $1,314 | $3,497 |
DUI | $1,356 | $1,200 | $1,742 | $1,494 | $3,117 |
Suspended license | $1,305 | $1,200 | $1,742 | $1,494 | $3,117 |
Open container | $1,093 | $1,200 | $1,542 | $1,494 | $1,760 |
Expired registration | $944 | $1,200 | $1,542 | $1,223 | $1,367 |
Driving without lights | $944 | $1,200 | $1,517 | $1,223 | $1,760 |
Running a red light | $944 | $1,200 | $1,542 | $1,268 | $1,760 |
Following too closely | $944 | $1,200 | $1,542 | $1,268 | $1,760 |
Hit and run | $1,402 | $1,200 | $1,742 | $1,494 | $3,117 |
Not-at-fault accident | $800 | $1,122 | $1,299 | $1,223 | $1,367 |
Passing a school bus | $1,093 | $1,200 | $1,742 | $1,268 | $1,923 |
Reckless driving | $1,182 | $1,200 | $1,742 | $1,268 | $3,117 |
Speeding | $944 | $1,200 | $1,742 | $1,268 | $2,194 |
→ Read more about finding SR-22 insurance in Missouri
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.
We found that USAA has the cheapest car insurance in Missouri for people with bad credit.
Company | Rates for drivers with bad credit |
|---|---|
USAA | $1,386 |
State Farm | $1,985 |
Columbia Insurance | $2,034 |
Farm Bureau | $2,058 |
Travelers | $2,186 |
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: $1,835
St. Louis: $2,434
Springfield: $1,563
Columbia: $1,450
Independence: $1,686
Lee’s Summit: $1,563
O’Fallon: $1,537
St. Joseph: $1,532
St. Charles: $1,551
Blue Springs: $1,550
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
Find car insurance in your city:
Frequently asked questions
Who has the cheapest car insurance rates in Missouri?
According to our data, you’ll get the cheapest car insurance rates in Missouri with USAA or State Farm, but rates can vary widely so you should still make sure to get multiple quotes before you pick a policy.
How can I save on my car insurance in Missouri?
The best way to save on your car insurance is to avoid accidents and violations including speeding tickets. You should also watch your credit score and be sure to get quotes from multiple companies when you shop.
Is Missouri a no-fault state?
No, Missouri is not a no-fault state. The insurance of the driver who is determined to be at-fault for an accident will pay for the other driver’s expenses, including medical bills.
Does Missouri require car insurance?
Yes, Missouri requires a minimum of $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 per accident for property damage liability. You must also carry uninsured motorists coverage of $25,000 per person/$50,000 per accident for bodily injury.
