The best car insurance in Missouri for 2023

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Nicole WakelinAutomotive journalistNicole 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.&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 Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
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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 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.

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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

5

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

USAA logo

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

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.

State Farm

4.8

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

State Farm logo

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

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

4.7

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Travelers logo

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

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

Missouri Farm Bureau logo

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

3.9

Policygenius rating

How we score: Policygenius’ ratings are determined by our editorial team. Our methodology takes multiple factors into account, including pricing, financial ratings, quality of customer service, and other product-specific features.

Auto-Owners logo

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

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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

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→ 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

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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

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

    . "

    2022 Auto Insurance Study

    ." Accessed January 23, 2023.

Authors

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.

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 and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.

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