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.
Average monthly cost
Average annual cost
Cheapest car insurance companies in Missouri
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.
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 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 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).
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. 
Shelter is the best car insurance company for Missouri drivers who aren’t affiliated with the military and can’t get coverage from USAA.
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.
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.
Driving without lights
Running a red light
Following too closely
Hit and run
Passing a school bus
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
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
Lee’s Summit: $1,563
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
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