The best car insurance in Missouri

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Published November 9, 2021

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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.

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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.

Key Takeaways

  • USAA offers the lowest average for a full coverage car insurance policy in Missouri at $741 per year

  • Missouri requires every driver to have at least $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 per accident in property damage liability

  • Missouri also  requires uninsured motorist coverage of at least $25,000 person/$50,000 per accident for bodily injury

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.

Company

Average cost

JD Power Rating

USAA

$741

890

State Farm

$1,090

881

Missouri Farm Bureau

$1,274

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Auto-Owners Insurance

$1,345

890

Travelers

$1,350

861

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.

Age

Cheapest company

Average cost

16

USAA

$2,601

18

USAA

$1,637

21

USAA

$1,050

25

USAA

$874

30

USAA

$789

35

USAA

$740

45

USAA

$695

55

USAA

$656

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.

Violation

USAA

State Farm

Missouri Farm Bureau

Auto-Owners Insurance

Travelers

At-fault Accident

$1,039

$1,269

$1,371

$3,486

$1,794

DUI

$1,356

$1,191

$1,563

$3,107

$1,943

Driving with a suspended license

$1,305

$1,191

$1,563

$3,107

$1,943

Driving with an open container

$1,093

$1,191

$1,563

$1,755

$1,726

Driving with expired registration

$944

$1,191

$1,274

$1,364

$1,726

Driving without Lights

$873

$1,191

$1,274

$1,755

$1,698

Failure to show documents

$944

$1,191

$1,274

$1,364

$1,726

Failure to stop at a red light

$944

$1,191

$1,274

$1,755

$1,726

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.

Company

Rates for drivers with bad credit

USAA

$1,386

State Farm

$1,979

Columbia Insurance

$2,034

Missouri Farm Bureau

$2,146

Nationwide

$2,244

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

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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

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.

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.