Best car insurance in Missouri (2024)

The best car insurance companies in Missouri are USAA, State Farm, Travelers, Farm Bureau, and Auto-Owners — though rates will depend on your driving record and other factors.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Reviewed by

Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|3 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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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 affiliated with the military.

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The other cheapest car insurance companies in Missouri are State Farm, 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.

Average cost per month

USAA

$62

State Farm

$92

Travelers

$100

Farm Bureau

$102

Auto-Owners

$112

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

USAA logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starFull orange star

5.0

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Bundle home & auto

Coverage for rideshare drivers

Good student discount

Usage-based discount

Offers classic car insurance

Mobile app

Offers motorcycle insurance

Why we chose itchevron icon

USAA has some of the best car insurance rates and customer service ratings of any company that offers policies in Missouri. Available add-ons include gap insurance, rental car reimbursement coverage, and roadside assistance.

Pros and conschevron icon

Pros

  • Low rates

  • Available nationwide

  • High customer service ratings

Cons

  • Only available to military members and their families

More detailschevron icon

Why we chose USAA:

If you’re an active or retired member of the military or a part of a military family, USAA has the best car insurance in Missouri. USAA also offers gap coverage, which may be required if you lease or finance your car, and has special savings for service members, like a discount if you garage your car on base.

In addition to the cheap rates, USAA earns high ratings J.D. Power for claims satisfaction. It also receives about the average number of complaints for the industry, according to the National Association of Insurance Commissioners.

How does the cost of car insurance from USAA compare to average in Missouri?

The average cost of car insurance from USAA in Missouri is $62 a month or $741 per year, which is 53% cheaper than the statewide average.

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Coverage for rideshare drivers

Good student discount

Mobile app

Usage-based discount

Offers classic car insurance

Offers motorcycle insurance

Why we chose itchevron icon

State Farm is one the best car insurance companies in Missouri thanks to its cheap rates and high customer service ratings. State Farm can even be an affordable pick for drivers with spotty records.

Pros and conschevron icon

Pros

  • Available in almost every state

  • Low rates for teens and drivers with accidents

  • High customer satisfaction ratings

Cons

  • Limited coverage options

More detailschevron icon

Why we chose State Farm:

State Farm is one of the best and cheapest car insurance companies in Missouri, even for drivers who have been in an accident or gotten a speeding ticket.

State Farm also has high customer satisfaction ratings and receives fewer complaints than is average for the industry, according to the National Association of Insurance Commissioners.

How does the cost of car insurance from State Farm compare to the average in Missouri?

The average cost of State Farm car insurance in Missouri is $92 a month or $1,100 per year, which is 31% cheaper than the statewide average.

Travelers

logo for Travelers car insurance

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Accident forgiveness

Bundle home & auto

Usage-based discount

Offers gap coverage

Offers new car replacement

All 50 states

Coverage for rideshare drivers

Mobile app

New homebuyer discount

Why we chose itchevron icon

Travelers has cheaper-than-average car insurance rates in Missouri (along with a lengthy list of discounts), and a range of useful coverage add-ons.

Pros and conschevron icon

Pros

  • Offers useful add-ons like new car replacement and gap coverage

  • Cheaper-than-average rates

  • Receives few complaints for service

Cons

  • Has lower satisfaction ratings than competitors

More detailschevron icon

Why we chose Travelers:

Travelers is another one of the cheapest car insurance companies in Missouri, and your car insurance might be even more affordable once you factor in Travelers’s many discounts.

Travelers’s coverage options are another strong point. You can add optional coverages like gap insurance, along with accident forgiveness, new car replacement, and more to a basic policy.

How does the cost of car insurance from Travelers compare to average in Missouri?

The average cost of car insurance from Travelers in Missouri is $100 a month or $1,205 per year, which is 24% cheaper than the statewide average.

Farm Bureau

Farm Bureau Financial Services logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Bundle home & auto

Good student discount

Mobile app

Offers classic car insurance

Usage-based discount

Why we chose itchevron icon

Farm Bureau offers cheap car insurance rates in Missouri and basic coverage through its regional affiliate. It also offers highly rated customer service.

Pros and conschevron icon

Pros

  • Cheap rates

  • Offers new car replacement

  • Special discount for drivers under 25

Cons

  • Not a ton of coverage options

More detailschevron icon

Why we chose Farm Bureau:

Farm Bureau is one of the cheapest companies for car insurance in Missouri. You have to be a Farm Bureau member to get coverage, but membership fees are low. Rates are even affordable if you have teen drivers at home or your driving record isn’t perfect.

Farm Bureau also has great customer service. It doesn’t have a claims satisfaction rating from J.D. Power, but Farm Bureau receives very few complaints from its customers compared to the industry average.

How does the cost of car insurance from Farm Bureau compare to average in Missouri?

The average cost of car insurance in Missouri from Farm Bureau is $102 a month or $1,223 per year, which is 23% cheaper than the statewide average.

Auto-Owners

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.7

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers gap coverage

Mobile app

Good student discount

Offers classic car insurance

Offers motorcycle insurance

Why we chose itchevron icon

Auto-Owners has affordable coverage in Missouri and high customer service ratings, plus a range of useful coverage add-ons and discounts.

Pros and conschevron icon

Pros

  • Lower-than-average rates

  • Offers gap coverage

  • Owned by its policyholders

Cons

  • Not offered in every state

More detailschevron icon

Why we chose Auto-Owners:

Auto-Owners also has cheaper-than-average auto insurance rates in Missouri, and a range of available discounts.

Auto-Owners offers gap insurance, along with accident forgiveness, and coverage for your car’s lost value after an accident.

How does the cost of car insurance from Auto-Owners compare to average in Missouri?

The average cost of car insurance from Auto-Owners in Missouri is $112 a month or $1,349 per year, which is 15% cheaper than the statewide average.

Best car insurance companies in Missouri

The best car insurance company in Missouri is USAA, which scored the highest in its region on J.D. Power’s 2023 Auto Insurance Study. [1] This survey measures how policyholders feel about their company, including customer service, billing, claims, and price.

Shelter is the best car insurance company in Missouri if you aren’t in the military and don’t qualify for coverage from USAA.

Rank

Company

Score

1

USAA

890

2

Shelter

851

3

State Farm

833

4

Auto-Owners Insurance

829

5

Farmers

819

5

GEICO

819

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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

Collapse table

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.

A bar graph showing the cost of car insurance in Missouri after a driving violation. USAA is the cheapest on average.

USAA

State Farm

Travelers

Farm Bureau

Auto-Owners Insurance

At-fault accident

$1,039

$1,277

$1,606

$1,314

$3,497

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

Collapse table

Cheapest car insurance after an accident in Missouri

The cheapest car insurance after an at-fault accident in Missouri is USAA, which offers coverage for $87 a month or $1,039 a year. If you can’t get coverage from USAA, State Farm is the most affordable company.

Rates for drivers with an at-fault accident

USAA

$1,039

State Farm

$1,277

Farm Bureau

$1,314

Travelers

$1,606

Auto-Owners

$3,497

Cheapest car insurance for drivers with a DUI in Missouri

We found that State Farm has the cheapest car insurance in Missouri after a DUI. On average, State Farm costs $100 a month or $1,200 a year if you have a DUI on your record.

Rates for drivers with DUIs

State Farm

$1,200

USAA

$1,356

Farm Bureau

$1,494

Travelers

$1,742

Auto-Owners Insurance

$3,117

Cheapest car insurance for drivers with a speeding ticket in Missouri

USAA has the cheapest car insurance rates if you have a speeding ticket. We found that coverage in MIssouri from USAA costs $79 a month or $944 a year after a speeding ticket.

Rates for drivers with speeding tickets

USAA

$944

State Farm

$1,200

Farm Bureau

$1,268

Travelers

$1,742

Auto-Owners Insurance

$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.

Rates for drivers with bad credit

USAA

$1,386

State Farm

$1,985

Columbia Insurance

$2,034

Farm Bureau

$2,058

Travelers

$2,186

Cheapest car insurance in Missouri by city

Car insurance rates depend on lots of local factors, like crime rates, traffic, population density, the number of traffic accidents where you live, and others. Here are the cheapest companies in the 10 largest cities in Missouri.

Largest cities

Cheapest company

Average yearly rate for the cheapest company

Overall citywide average

Kansas City

USAA

$746

$1,835

St. Louis

USAA

$783

$2,434

Springfield

USAA

$745

$1,563

Columbia

USAA

$775

$1,450

Independence

USAA

$746

$1,686

Lee's Summit

USAA

$746

$1,563

O'Fallon

USAA

$746

$1,537

St. Charles

USAA

$783

$1,551

St. Joseph

USAA

$737

$1,532

Blue Springs

USAA

$746

$1,550

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Ready to shop car insurance?

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.

References

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Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.

  1. J.D. Power

    . "

    Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds

    ." Accessed September 23, 2023.

Authors

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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