How to Compare Car Insurance Rates 2024
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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Cheapest Car Insurance in Missouri (2025)

Updated on:
Content was accurate at the time of publication.

Best cheap car insurance in Missouri

$1,645/year
Cheap full coverage: American Family
American Family logo
$1,922/year
Cheapest for teens: Shelter
Shelter logo
$1,773/year
Best after a ticket: State Farm
State Farm logo
+
More Options

Find the Cheapest Car Insurance Quotes in Missouri

Missouri drivers get the cheapest full-coverage car insurance with American Family at $1,645 a year, or $137 a month.

State Farm is the second-cheapest company for full-coverage car insurance Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Liability covers injuries and damage you cause to others. Collision and comprehensive protect your own vehicle from damage and theft. in Missouri at $138 a month.

Cheapest car insurance companies in Missouri

Cheapest companies for full coverage

CompanyAnnual rateLendingTree score
American Family logoAmerican Family$1,6454 stars
state farm logoState Farm$1,6514.5 stars
progressive logoProgressive$1,8284 stars
shelter insurance logoShelter$1,9973.5 stars
allstate logoAllstate$3,0283 stars
geico logoGeico$3,0813.5 stars
usaa logoUSAA*$1,0554 stars

American Family and State Farm have similar full-coverage insurance rates. The cheapest for you may depend on the discounts you can get, as both companies offer many ways to save.

USAA has an even lower average rate than American Family or State Farm, though only members of the military and their families can buy from USAA. But if that describes you, get a quote from USAA. Along with cheap full-coverage rates, USAA offers great customer satisfaction.

American Family and Progressive share the cheapest liability-only car insurance rate in Missouri of $45 a month. State Farm is next at $51 a month.

American Family, Progressive and State Farm are all close in cost for liability auto insurance, so car insurance discounts can make a big difference.

Missouri drivers are required by law to have at least a minimum amount of liability car insurance, which covers the medical and repair bills of others after you cause an accident.

Cheapest companies for minimum coverage

CompanyAnnual rate
American Family$546
Progressive$556
State Farm$618
Shelter$771
Geico$1,145
Allstate$1,278
USAA*$309

Find the Cheapest Car Insurance Quotes in Missouri

At $1,922 a year, Shelter has the cheapest car insurance rate for Missouri teens who want liability coverage. State Farm has the cheapest full-coverage insurance for teens at $4,648 a year.

Notably, State Farm offers a good student discount that can save you up to 25% if you maintain at least a B average.

If you’re a parent in Missouri looking for cheap car insurance for teens, add them to your policy. Your rate will go up, but it should still be cheaper than if you had your own auto insurance policies.

Cheapest companies for teens

CompanyLiabilityFull coverage
Shelter$1,922$4,993
State Farm$2,026$4,648
American Family$2,236$5,604
Progressive$2,236$6,782
Geico$2,947$6,865
Allstate$3,667$6,736
USAA*$702$2,117

State Farm has the best rates for Missouri drivers looking for cheap car insurance with a speeding ticket at $1,773 a year, or $148 a month.

American Family is the second-cheapest company after a ticket at $161 a month.

After a speeding ticket in Missouri, you can expect your rates to increase by around 15%.

Cheapest companies after a ticket

CompanyAnnual rate
State Farm$1,773
American Family$1,930
Shelter$1,997
Progressive$2,224
Allstate$3,480
Geico$3,768
USAA*$1,244

With rates that average $1,895 a year ($158 a month), State Farm has the cheapest full-coverage car insurance after an accident in Missouri.

Progressive is next, with an average rate of $205 a month.

After an accident, Missouri drivers see their car insurance go up by 46%, on average.

Cheapest companies after an accident

CompanyAnnual rate
State Farm$1,895
Progressive$2,457
Shelter$2,494
American Family$2,658
Geico$4,904
Allstate$5,132
USAA*$1,383

Teens in Missouri with a ticket on their record get the cheapest liability car insurance from Shelter at about $1,922 a year. Progressive is the cheapest for Missouri teens after an accident at $2,362 a year.

Cheapest companies for teens with bad records

CompanyTicketAccident
Shelter$1,922$2,583
State Farm$2,247$2,467
Progressive$2,330$2,362
American Family$2,500$3,468
Geico$3,500$4,401
Allstate$4,451$6,562
USAA*$805$833

Find the Cheapest Car Insurance Quotes in Missouri

Progressive offers the best cheap car insurance with a DWI in Missouri at around $2,096 a year, or $175 a month. American Family is the next-cheapest company at $227 a month.

A driving while intoxicated (DWI) conviction can lead to fines, jail time and license suspension. You can also expect your car insurance rates to jump about 59% after a DUI in Missouri.

Cheapest companies after a DWI

CompanyAnnual rate
Progressive$2,096
American Family$2,730
Shelter$2,835
State Farm$3,572
Allstate$4,028
Geico$5,659
USAA*$1,787

At $2,733 a year — $228 a month — American Family has Missouri’s cheapest auto insurance for poor credit. Progressive comes in second at $264 a month.

Some auto insurance companies charge higher rates to drivers with poor credit because they see a link between credit score and the risk of filing a claim.

Cheapest companies for drivers with poor credit

CompanyAnnual rate
American Family$2,733
Progressive$3,174
Shelter$4,554
Geico$4,802
State Farm$5,347
Allstate$6,680
USAA*$1,910

If you want to learn your credit score, you can find out for free at LendingTree Spring before you shop for car insurance.

American Family and State Farm are the best car insurance companies in Missouri, based on their customer satisfaction ratings, financial strength, coverages and usability.

American Family has a slightly higher J.D. Power customer satisfaction rating than State Farm. It also offers gap insurance, while State Farm does not. Gap insurance pays the rest of what you owe on a financed car if it is totaled.

Missouri car insurance company ratings

CompanyJ.D. Power**AM BestLendingTree
Allstate635A+3 stars
American Family660A4 stars
Geico637A++3.5 stars
Progressive622A+4 stars
Shelter678A3.5 stars
State Farm657A++4.5 stars
USAA*739A++4 stars

*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power’s 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.

USAA is rated but not ranked in the J.D. Power 2024 U.S. Auto Insurance Study, as it only sells insurance to military members and their families.

St. Martins has the cheapest average car insurance rate in Missouri at $1,792 a year, or $149 a month. Glasgow Village has the state’s highest average car insurance rate, $264 a month.

In Kansas City, Missouri’s largest city, drivers pay an average of $194 a month. St. Louis, Missouri’s second-biggest city, has an average rate of $223 a month. Springfield drivers pay around $164 a month.

Car insurance rates near you

CityAnnual rate% from average
Adrian$1,970-5%
Advance$1,916-7%
Affton$2,2067%
Agency$2,005-3%
Airport Drive$1,941-6%
Alba$1,965-5%
Albany$2,1213%
Aldrich$1,985-4%
Alexandria$2,003-3%
Allendale$2,1182%
Alma$1,859-10%
Altamont$2,0811%
Altenburg$1,961-5%
Alton$2,38615%
Amazonia$2,001-3%
Amity$2,040-1%
Amoret$2,036-2%
Amsterdam$2,025-2%
Anabel$2,038-1%
Anderson$2,014-3%
Annada$2,0650%
Annapolis$2,2348%
Anniston$1,916-7%
Appleton City$2,003-3%
Arbela$2,0951%
Arbyrd$1,930-7%
Arcadia$2,1082%
Archie$1,928-7%
Arcola$2,052-1%
Argyle$1,962-5%
Armstrong$2,051-1%
Arnold$2,2318%
Arrow Rock$1,907-8%
Asbury$2,001-3%
Ash Grove$2,037-1%
Ashburn$2,037-1%
Ashland$1,839-11%
Atlanta$2,026-2%
Augusta$2,1594%
Aurora$1,980-4%
Auxvasse$1,980-4%
Ava$2,0891%
Avilla$1,957-5%
Bakersfield$2,1755%
Ballwin$2,1283%
Baring$2,0660%
Barnard$2,037-1%
Barnett$2,048-1%
Barnhart$2,2047%
Bates City$2,004-3%
Battlefield$1,973-5%
Beaufort$2,1162%
Bel-Nor$2,91041%
Bel-Ridge$2,75833%
Belgrade$2,1705%
Bell City$1,882-9%
Bella Villa$2,30011%
Belle$2,008-3%
Bellefontaine Neighbors$3,16253%
Bellerive$2,97944%
Belleview$2,1685%
Bellflower$2,045-1%
Belton$1,993-4%
Benton$1,864-10%
Benton City$1,955-5%
Berger$2,0730%
Berkeley$2,66029%
Bernie$1,870-10%
Bertrand$1,887-9%
Bethany$2,0881%
Bethel$2,1625%
Beulah$1,993-4%
Beverly Hills$2,99945%
Bevier$1,986-4%
Billings$1,933-6%
Birch Tree$2,1996%
Bismarck$2,0831%
Bixby$2,1675%
Black$2,28010%
Black Jack$2,69130%
Blackburn$1,875-9%
Blackwater$2,001-3%
Blackwell$2,1404%
Blairstown$1,980-4%
Bland$2,0931%
Blodgett$1,896-8%
Bloomfield$1,886-9%
Bloomsdale$2,046-1%
Blue Eye$1,989-4%
Blue Springs$2,027-2%
Blythedale$2,0730%
Bogard$2,0992%
Bois D Arc$1,977-4%
Bolckow$2,014-3%
Bolivar$1,957-5%
Bonne Terre$2,0861%
Bonnots Mill$1,984-4%
Boonville$1,934-6%
Boss$1,968-5%
Bosworth$2,0992%
Bourbon$1,949-6%
Bowling Green$2,018-2%
Bradleyville$2,0630%
Bragg City$1,860-10%
Brandsville$2,1032%
Branson$1,975-4%
Branson West$2,001-3%
Brashear$2,042-1%
Braymer$2,1082%
Brazeau$1,941-6%
Breckenridge$2,049-1%
Breckenridge Hills$2,32613%
Brentwood$2,1735%
Briar$2,1705%
Bridgeton$2,2599%
Brighton$1,991-4%
Brinktown$1,944-6%
Brixey$2,0921%
Bronaugh$2,040-1%
Brookfield$1,942-6%
Brookline$1,971-5%
Broseley$2,000-3%
Browning$2,1032%
Brownwood$1,892-8%
Brumley$2,004-3%
Bruner$2,032-2%
Brunswick$2,039-1%
Bucklin$1,987-4%
Buckner$2,1132%
Bucyrus$2,014-3%
Buffalo$2,020-2%
Bunceton$2,001-3%
Bunker$2,2579%
Burfordville$1,928-7%
Burlington Junction$2,028-2%
Butler$1,955-5%
Byrnes Mill$2,29111%
Cabool$1,988-4%
Cadet$2,2589%
Cainsville$2,0780%
Cairo$1,967-5%
Caledonia$2,1695%
Calhoun$1,972-5%
California$1,924-7%
Callao$1,995-4%
Calverton Park$2,67129%
Camden$1,986-4%
Camden Point$2,010-3%
Camdenton$1,976-4%
Cameron$2,006-3%
Campbell$1,903-8%
Canalou$1,883-9%
Canton$1,977-4%
Cape Fair$2,028-2%
Cape Girardeau$1,891-9%
Caplinger Mills$2,034-2%
Cardwell$1,941-6%
Carl Junction$1,966-5%
Carrollton$2,032-2%
Carterville$1,965-5%
Carthage$1,901-8%
Caruthersville$1,905-8%
Carytown$1,897-8%
Cascade$2,0911%
Cassville$2,013-3%
Castle Point$3,10450%
Catawissa$2,29511%
Catron$1,891-9%
Caulfield$2,1233%
Cedar Hill$2,36514%
Cedar Hill Lakes$2,36314%
Cedarcreek$2,028-2%
Center$1,971-5%
Centertown$1,840-11%
Centerview$1,912-8%
Centerville$2,27810%
Centralia$1,937-6%
Chadwick$2,005-3%
Chaffee$1,862-10%
Chamois$2,045-1%
Charlack$2,34714%
Charleston$1,923-7%
Cherryville$1,943-6%
Chesterfield$2,1655%
Chestnutridge$2,012-3%
Chilhowee$1,983-4%
Chillicothe$1,909-8%
Chula$2,025-2%
Clarence$2,026-2%
Clark$2,0680%
Clarksburg$1,959-5%
Clarksdale$2,032-2%
Clarkson Valley$2,1655%
Clarksville$2,1293%
Clarkton$1,887-9%
Claycomo$2,038-1%
Clayton$2,33313%
Clearmont$2,052-1%
Cleveland$1,962-5%
Clever$1,967-5%
Clifton Hill$2,031-2%
Climax Springs$2,0821%
Clinton$1,914-7%
Clubb$2,053-1%
Clyde$2,0650%
Coatsville$2,052-1%
Coffey$2,0951%
Cole Camp$2,0590%
Collins$2,0801%
Columbia$1,920-7%
Commerce$1,907-8%
Conception$2,0740%
Conception Junction$2,043-1%
Concord$2,1775%
Concordia$1,889-9%
Conway$1,910-8%
Cook Sta$1,972-5%
Cool Valley$2,93842%
Cooter$1,899-8%
Corder$1,896-8%
Cosby$1,999-3%
Cottleville$1,955-5%
Couch$2,36114%
Country Club$2,013-3%
Country Club Hills$3,02646%
Cowgill$2,1243%
Craig$2,0770%
Crane$2,023-2%
Creighton$1,936-6%
Crestwood$2,1574%
Creve Coeur$2,2348%
Crocker$1,937-6%
Cross Timbers$2,0750%
Crystal City$2,1705%
Crystal Lakes$2,011-3%
Cuba$1,915-7%
Curryville$1,966-5%
Dadeville$2,0971%
Daisy$1,970-5%
Dalton$2,020-2%
Dardenne Prairie$1,965-5%
Darlington$2,0831%
Davisville$1,980-4%
Dawn$2,037-1%
De Kalb$2,022-2%
De Soto$2,2509%
De Witt$2,008-3%
Dearborn$2,035-2%
Deepwater$1,997-3%
Deerfield$2,040-1%
Deering$1,897-8%
Defiance$2,1092%
Dellwood$3,15152%
Delta$1,905-8%
Denver$2,1383%
Des Arc$2,1414%
Des Peres$2,1615%
Desloge$2,014-3%
Devils Elbow$1,951-6%
Dexter$1,854-10%
Diamond$1,939-6%
Dittmer$2,40316%
Dixon$1,934-6%
Doe Run$2,0670%
Doniphan$2,2599%
Dora$2,1353%
Dover$1,956-5%
Downing$2,030-2%
Drexel$1,997-3%
Drury$2,046-1%
Dudley$1,912-7%
Duenweg$1,960-5%
Duke$1,940-6%
Dunnegan$2,009-3%
Duquesne$1,955-5%
Durham$1,994-4%
Dutchtown$1,903-8%
Dutzow$2,1092%
Eagle Rock$2,023-2%
Eagleville$2,1645%
Earth City$2,28310%
East Lynne$1,928-7%
East Prairie$1,923-7%
Easton$2,017-2%
Edgar Springs$1,931-7%
Edgerton$2,034-2%
Edina$2,1926%
Edmundson$2,55323%
Edwards$2,0992%
El Dorado Springs$2,056-1%
Eldon$1,984-4%
Eldridge$1,925-7%
Elk Creek$2,023-2%
Elkland$2,006-3%
Ellington$2,33213%
Ellisville$2,1604%
Ellsinore$2,1856%
Elmer$2,035-2%
Elmo$2,0781%
Elsberry$2,1886%
Emden$2,0590%
Eminence$2,2599%
Emma$1,991-4%
Eolia$2,0992%
Essex$1,878-9%
Ethel$2,047-1%
Eugene$1,901-8%
Eunice$1,992-4%
Eureka$2,1444%
Everton$2,0740%
Ewing$2,042-1%
Excello$2,049-1%
Excelsior Springs$2,000-3%
Exeter$2,024-2%
Fagus$2,032-2%
Fair Grove$2,002-3%
Fair Play$2,054-1%
Fairdealing$2,1826%
Fairfax$2,046-1%
Fairview$2,012-3%
Falcon$1,905-8%
Farber$1,923-7%
Farley$2,025-2%
Farmington$1,995-3%
Farrar$1,932-7%
Faucett$2,041-1%
Fayette$2,032-2%
Fenton$2,1444%
Ferguson$2,86338%
Ferrelview$2,044-1%
Festus$2,1735%
Fillmore$2,005-3%
Fisk$2,016-2%
Flemington$2,0670%
Fletcher$2,33213%
Flinthill$2,038-1%
Flordell Hills$3,16753%
Florence$2,042-1%
Florissant$2,56724%
Foley$2,1514%
Fordland$2,017-2%
Forest City$2,0590%
Foristell$2,0760%
Forsyth$2,013-3%
Fort Leonard Wood$1,816-12%
Fortuna$2,032-2%
Foster$2,016-2%
Frankford$1,961-5%
Franklin$1,997-3%
Fredericktown$2,033-2%
Freeburg$1,977-4%
Freeman$1,951-6%
Freistatt$2,009-3%
Fremont$2,1635%
Fremont Hills$1,894-8%
French Village$2,1333%
Friedheim$1,965-5%
Frohna$1,928-7%
Frontenac$2,1574%
Fulton$1,910-8%
Gainesville$2,1625%
Galena$2,012-3%
Gallatin$2,1172%
Galt$2,053-1%
Garden City$1,928-7%
Garrison$2,021-2%
Gatewood$2,32312%
Gentry$2,0901%
Gerald$2,1072%
Gibbs$2,018-2%
Gibson$1,925-7%
Gideon$1,850-11%
Gilliam$1,931-7%
Gilman City$2,0901%
Gipsy$1,994-4%
Gladstone$2,0760%
Glasgow$2,032-2%
Glasgow Village$3,16953%
Glen Echo Park$2,98344%
Glenallen$1,984-4%
Glencoe$2,2077%
Glendale$2,1253%
Glenwood$2,1223%
Gobler$1,929-7%
Golden$2,014-3%
Golden City$2,0811%
Goodman$1,992-4%
Gordonville$1,913-7%
Gorin$2,040-1%
Gower$2,038-1%
Graff$1,924-7%
Graham$2,021-2%
Grain Valley$2,019-2%
Granby$1,977-4%
Grandin$2,2087%
Grandview$2,2177%
Granger$2,044-1%
Grant City$2,1795%
Grantwood Village$2,1976%
Gravois Mills$2,036-2%
Gray Summit$2,2127%
Grayridge$1,895-8%
Green Castle$2,0630%
Green City$2,1132%
Green Park$2,1815%
Green Ridge$1,946-6%
Greenfield$2,0831%
Greentop$2,050-1%
Greenville$2,1142%
Greenwood$1,979-4%
Grovespring$1,931-7%
Grubville$2,29911%
Guilford$2,0951%
Hale$2,0982%
Half Way$1,995-3%
Hallsville$1,940-6%
Halltown$1,965-5%
Hamilton$2,0630%
Hanley Hills$2,57625%
Hannibal$1,874-9%
Hardenville$2,0831%
Hardin$1,972-5%
Harris$2,1524%
Harrisburg$1,921-7%
Harrisonville$1,934-6%
Hartsburg$1,888-9%
Hartshorn$1,970-5%
Hartville$2,004-3%
Harviell$2,055-1%
Harwood$2,027-2%
Hatfield$2,0700%
Hawk Point$2,0730%
Hayti$1,873-9%
Hazelwood$2,49221%
Helena$2,040-1%
Hematite$2,1584%
Henley$1,851-10%
Henrietta$1,962-5%
Herculaneum$2,2016%
Hermann$2,1172%
Hermitage$2,0801%
Higbee$2,033-2%
Higginsville$1,901-8%
High Hill$2,000-3%
High Point$2,011-3%
High Ridge$2,2599%
Highlandville$1,979-4%
Hillsboro$2,32913%
Hillsdale$3,00145%
Holcomb$1,881-9%
Holden$1,976-4%
Holliday$2,048-1%
Hollister$1,976-4%
Holt$2,056-1%
Holts Summit$1,840-11%
Hopkins$2,043-1%
Hornersville$1,915-7%
House Springs$2,28210%
Houston$2,004-3%
Houstonia$1,927-7%
Huggins$1,916-7%
Hughesville$1,916-7%
Humansville$2,0781%
Hume$2,014-3%
Humphreys$2,1032%
Hunnewell$2,0590%
Huntleigh$2,1403%
Huntsville$1,982-4%
Hurdland$2,1615%
Iberia$2,025-2%
Imperial$2,2378%
Independence$2,1846%
Innsbrook$2,019-2%
Ionia$2,019-2%
Iron Mountain Lake$2,0891%
Irondale$2,1785%
Ironton$2,1032%
Isabella$2,1705%
Jackson$1,881-9%
Jacksonville$1,988-4%
Jadwin$1,962-5%
Jameson$2,0971%
Jamesport$2,050-1%
Jamestown$2,027-2%
Jasper$1,930-7%
Jefferson City$1,800-13%
Jennings$3,14952%
Jerico Springs$2,0801%
Jerome$1,932-7%
Jonesburg$1,998-3%
Joplin$1,957-5%
Josephville$1,973-5%
Kahoka$2,005-3%
Kaiser$2,009-3%
Kansas City$2,32512%
Kearney$2,015-3%
Kennett$1,910-8%
Kewanee$1,894-8%
Keytesville$2,051-1%
Kidder$2,0911%
Kimberling City$1,985-4%
Kimmswick$2,2248%
King City$2,1082%
Kingdom City$1,944-6%
Kingston$2,0620%
Kingsville$1,960-5%
Kirbyville$2,037-1%
Kirksville$1,940-6%
Kirkwood$2,1414%
Kissee Mills$2,049-1%
Knob Lick$2,039-1%
Knob Noster$1,891-9%
Knox City$2,2006%
Koeltztown$1,970-5%
Koshkonong$2,1755%
La Belle$2,0770%
La Grange$1,961-5%
La Monte$1,884-9%
La Plata$2,047-1%
La Russell$2,000-3%
LaBarque Creek$2,26610%
Labadie$2,1655%
Laclede$1,984-4%
Laddonia$1,896-8%
Ladue$2,2268%
Lake Lotawana$1,977-4%
Lake Ozark$1,989-4%
Lake Spring$1,922-7%
Lake St. Louis$1,965-5%
Lake Tapawingo$2,056-1%
Lake Waukomis$2,0781%
Lake Winnebago$1,957-5%
Lakeshire$2,1936%
Lamar$1,969-5%
Lampe$1,996-3%
Lanagan$2,019-2%
Lancaster$2,1293%
Laquey$1,909-8%
Laredo$2,009-3%
Latham$1,973-5%
Lathrop$2,044-1%
Laurie$2,026-2%
Lawson$2,043-1%
Lead Hill$2,1032%
Leadwood$2,047-1%
Leasburg$1,926-7%
Leawood$1,955-5%
Lebanon$1,811-12%
Lee's Summit$2,050-1%
Leeton$1,956-5%
Lemay$2,29111%
Lenox$1,943-6%
Lentner$2,0660%
Leonard$2,054-1%
Leopold$2,004-3%
Leslie$2,1062%
Lesterville$2,29711%
Levasy$2,1052%
Lewistown$2,056-1%
Lexington$1,950-6%
Liberal$2,022-2%
Liberty$2,034-2%
Licking$1,947-6%
Liguori$2,2348%
Lilbourn$1,875-9%
Lincoln$2,052-1%
Linn$1,974-4%
Linn Creek$1,982-4%
Linneus$2,003-3%
Livonia$2,1092%
Loch Lloyd$1,997-3%
Lock Springs$2,0650%
Lockwood$2,0680%
Lodi$2,033-2%
Lohman$1,831-11%
Lone Jack$1,992-4%
Lonedell$2,29011%
Long Lane$2,006-3%
Loose Creek$1,944-6%
Louisburg$2,039-1%
Louisiana$2,017-2%
Lowndes$2,1524%
Lowry City$2,002-3%
Lucerne$2,0961%
Ludlow$2,010-3%
Luebbering$2,34914%
Luray$1,998-3%
Lynchburg$1,994-4%
Macks Creek$2,0630%
Macomb$2,031-2%
Macon$1,934-6%
Madison$2,032-2%
Maitland$2,044-1%
Malden$1,911-8%
Malta Bend$1,875-9%
Manchester$2,1213%
Mansfield$2,009-3%
Mapaville$2,28310%
Maplewood$2,30511%
Marble Hill$2,038-1%
Marceline$1,950-6%
Marionville$1,967-5%
Marlborough$2,2057%
Marquand$2,1102%
Marshall$1,810-12%
Marshfield$2,004-3%
Marston$1,874-9%
Marthasville$2,1293%
Martinsburg$1,972-5%
Martinsville$2,0971%
Maryland Heights$2,2027%
Maryville$1,921-7%
Matthews$1,874-9%
Maysville$2,0610%
Mayview$1,952-6%
Maywood$1,990-4%
Mc Bride$1,925-7%
Mc Fall$2,1052%
Mc Gee$2,0811%
Mc Girk$1,992-4%
Meadville$2,009-3%
Mehlville$2,2629%
Memphis$2,1122%
Mendon$1,993-4%
Mercer$2,1755%
Merriam Woods$2,024-2%
Meta$1,998-3%
Mexico$1,909-8%
Miami$1,903-8%
Middle Brook$2,1936%
Middletown$2,0730%
Milan$2,1122%
Milford$1,993-4%
Mill Spring$2,0951%
Miller$1,993-4%
Millersville$1,978-4%
Milo$2,0570%
Mindenmines$2,036-2%
Miner$1,884-9%
Mineral Point$2,1966%
Missouri City$2,1072%
Moberly$1,984-4%
Mokane$1,975-4%
Moline Acres$3,12551%
Monett$1,943-6%
Monroe City$1,960-5%
Montgomery City$2,046-1%
Monticello$2,023-2%
Montier$2,1765%
Montreal$2,016-2%
Montrose$2,003-3%
Moody$2,1162%
Mooresville$1,992-4%
Mora$1,960-5%
Morehouse$1,904-8%
Morrison$2,1022%
Morrisville$2,007-3%
Morse Mill$2,35014%
Mosby$2,055-1%
Moscow Mills$2,0811%
Mound City$2,0720%
Moundville$2,031-2%
Mount Sterling$2,0981%
Mount Vernon$1,959-5%
Mountain Grove$1,979-4%
Mountain View$2,034-2%
Murphy$2,2117%
Myrtle$2,2258%
Napoleon$1,997-3%
Naylor$2,1816%
Neck City$1,945-6%
Neelyville$2,009-3%
Nelson$1,906-8%
Neosho$1,963-5%
Nevada$1,938-6%
New Bloomfield$1,918-7%
New Boston$2,043-1%
New Cambria$2,027-2%
New Florence$2,020-2%
New Franklin$2,003-3%
New Hampton$2,0961%
New Haven$2,047-1%
New London$1,964-5%
New Madrid$1,898-8%
New Melle$2,032-2%
Newark$2,0630%
Newburg$1,930-7%
Newtown$2,0831%
Niangua$1,996-3%
Nixa$1,918-7%
Noble$2,0971%
Noel$1,997-3%
Norborne$2,056-1%
Normandy$2,99845%
North Kansas City$2,1705%
Northwoods$3,00946%
Norwood$2,036-1%
Norwood Court$2,99545%
Novelty$2,1876%
Novinger$2,028-2%
O Fallon$1,974-5%
O'Fallon$1,967-5%
Oak Grove$2,0670%
Oak Grove Village$2,0610%
Oak Ridge$1,949-6%
Oakland$2,1233%
Oakville$2,29111%
Odessa$2,019-2%
Old Appleton$1,949-6%
Old Jamestown$2,62727%
Old Monroe$2,1313%
Oldfield$2,020-2%
Olean$2,017-2%
Olivette$2,29311%
Olney$2,0760%
Oran$1,846-11%
Oregon$2,0670%
Oronogo$1,984-4%
Orrick$1,983-4%
Osage Beach$2,000-3%
Osborn$2,0871%
Osceola$2,046-1%
Otterville$1,978-4%
Overland$2,33313%
Owensville$2,0730%
Oxly$2,1665%
Ozark$1,890-9%
Pacific$2,2559%
Pagedale$2,89540%
Palmyra$1,915-7%
Paris$2,056-1%
Park Hills$2,010-3%
Parkville$2,055-1%
Parkway$2,1564%
Parma$1,868-10%
Parnell$2,045-1%
Pasadena Park$2,99845%
Patterson$2,1293%
Patton$2,046-1%
Pattonsburg$2,1092%
Peace Valley$2,1233%
Peculiar$1,973-5%
Perkins$1,889-9%
Perry$1,966-5%
Perryville$1,904-8%
Pevely$2,1856%
Philadelphia$1,999-3%
Phillipsburg$1,900-8%
Pickering$2,025-2%
Piedmont$2,1303%
Pierce City$1,994-4%
Pilot Grove$1,983-4%
Pilot Knob$2,1303%
Pine Lawn$3,09350%
Pineville$1,999-3%
Pittsburg$2,0700%
Plato$2,004-3%
Platte City$1,993-4%
Plattsburg$2,0620%
Pleasant Hill$1,969-5%
Pleasant Hope$1,993-4%
Pleasant Valley$2,042-1%
Plevna$2,1042%
Pocahontas$1,964-5%
Point Lookout$2,001-3%
Polk$1,996-3%
Pollock$2,0720%
Polo$2,0971%
Pomona$2,013-3%
Ponce De Leon$2,025-2%
Pontiac$2,0700%
Poplar Bluff$1,979-4%
Portage Des Sioux$1,999-3%
Portageville$1,860-10%
Portland$2,025-2%
Potosi$2,1584%
Pottersville$2,0811%
Powell$2,037-1%
Powersite$2,026-2%
Powersville$2,0841%
Prairie Home$1,996-3%
Preston$2,0981%
Princeton$2,1424%
Protem$2,0841%
Purcell$1,965-5%
Purdin$2,024-2%
Purdy$1,986-4%
Puxico$1,964-5%
Queen City$2,1082%
Quincy$2,0690%
Qulin$2,010-3%
Racine$2,025-2%
Ravenwood$2,044-1%
Raymondville$1,989-4%
Raymore$1,999-3%
Raytown$2,32012%
Rayville$1,996-3%
Rea$2,018-2%
Redford$2,27610%
Redings Mill$1,953-6%
Reeds$1,962-5%
Reeds Spring$1,991-4%
Renick$2,045-1%
Republic$1,940-6%
Revere$1,995-4%
Reynolds$2,27310%
Rhineland$2,0620%
Rich Hill$2,001-3%
Richards$2,030-2%
Richland$1,887-9%
Richmond$1,975-4%
Richmond Heights$2,29011%
Richwoods$2,31512%
Ridgedale$1,994-4%
Ridgeway$2,1142%
Risco$1,901-8%
Riverside$2,1032%
Riverview$3,15853%
Rives$1,933-6%
Roach$2,0861%
Robertsville$2,32512%
Roby$1,937-6%
Rocheport$1,933-6%
Rock Hill$2,1484%
Rock Port$2,035-2%
Rockaway Beach$2,016-2%
Rockbridge$2,0580%
Rockville$2,023-2%
Rocky Comfort$2,034-2%
Rocky Mount$2,008-3%
Rogersville$1,990-4%
Rolla$1,834-11%
Rombauer$2,023-2%
Rosebud$2,0791%
Rosendale$1,999-3%
Rothville$2,013-3%
Rueter$2,0690%
Rush Hill$1,933-6%
Rushville$2,038-1%
Russellville$1,884-9%
Rutledge$2,1253%
Saginaw$2,015-3%
Salem$1,942-6%
Salisbury$2,023-2%
Santa Fe$1,995-4%
Sappington$2,1635%
Sarcoxie$1,942-6%
Savannah$1,956-5%
Schell City$2,047-1%
Scott City$1,895-8%
Sedalia$1,831-11%
Sedgewickville$2,055-1%
Seligman$2,031-2%
Senath$1,902-8%
Seneca$2,016-2%
Seymour$2,045-1%
Shelbina$2,0931%
Shelbyville$2,1203%
Sheldon$2,038-1%
Shell Knob$1,988-4%
Sheridan$2,1876%
Shrewsbury$2,1815%
Sibley$2,0851%
Sikeston$1,882-9%
Silex$2,1303%
Silva$2,1363%
Silver Creek$1,943-6%
Skidmore$2,023-2%
Slater$1,923-7%
Smithton$1,915-7%
Smithville$2,031-2%
Solo$1,959-5%
South Greenfield$2,0620%
South West City$2,002-3%
Spanish Lake$2,91041%
Sparta$1,997-3%
Spickard$2,0730%
Spokane$2,007-3%
Springfield$1,973-5%
Squires$2,1012%
St. Albans$2,1866%
St. Ann$2,30712%
St. Charles$1,992-4%
St. Clair$2,1514%
St. Elizabeth$2,041-1%
St. George$2,2157%
St. James$1,887-9%
St. John$2,38015%
St. Joseph$2,005-3%
St. Louis$2,67529%
St. Martins$1,792-13%
St. Mary$1,954-5%
St. Patrick$2,020-2%
St. Peters$1,965-5%
St. Robert$1,863-10%
St. Thomas$1,854-10%
Stanberry$2,1112%
Stanton$2,0680%
Stark City$1,993-4%
Ste. Genevieve$1,952-6%
Steedman$1,950-6%
Steele$1,886-9%
Steelville$1,935-6%
Stella$2,026-2%
Stet$2,047-1%
Stewartsville$2,041-1%
Stockton$2,1102%
Stotts City$1,957-5%
Stoutland$1,950-6%
Stoutsville$2,008-3%
Stover$2,1032%
Strafford$1,938-6%
Strasburg$1,983-4%
Sturdivant$1,975-4%
Sturgeon$1,971-5%
Success$1,920-7%
Sugar Creek$2,2439%
Sullivan$2,0760%
Summersville$2,0981%
Sumner$2,005-3%
Sunrise Beach$2,033-2%
Sunset Hills$2,1685%
Sweet Springs$1,898-8%
Sycamore Hills$2,35714%
Syracuse$2,054-1%
Tallapoosa$1,886-9%
Taneyville$2,044-1%
Taos$1,802-13%
Tarkio$2,026-2%
Taylor$1,940-6%
Tebbetts$1,940-6%
Tecumseh$2,1765%
Terre du Lac$2,0811%
Thayer$2,2459%
Theodosia$2,1454%
Thompson$1,959-5%
Thornfield$2,1665%
Tiff$2,2479%
Tiff City$2,002-3%
Tina$2,017-2%
Tipton$1,968-5%
Town and Country$2,1735%
Treloar$2,1434%
Trenton$1,995-4%
Trimble$2,039-1%
Triplett$2,015-3%
Troy$2,046-1%
Truesdale$2,037-1%
Truxton$2,1333%
Tunas$1,988-4%
Turners$1,981-4%
Turney$2,011-3%
Tuscumbia$2,014-3%
Udall$2,1293%
Ulman$2,0620%
Union$2,0720%
Union Star$2,051-1%
Uniontown$1,979-4%
Unionville$2,1303%
University City$2,38916%
Urbana$2,051-1%
Urich$1,969-5%
Utica$1,992-4%
Valles Mines$2,0730%
Valley Park$2,1243%
Van Buren$2,2107%
Vandalia$1,881-9%
Vanduser$1,880-9%
Vanzant$2,0690%
Velda City$3,00145%
Velda Village Hills$3,00145%
Verona$1,940-6%
Versailles$2,039-1%
Viburnum$2,1303%
Vichy$1,901-8%
Vienna$2,004-3%
Villa Ridge$2,1554%
Village of Four Seasons$1,989-4%
Vinita Park$2,36915%
Vulcan$2,1253%
Waldron$2,046-1%
Walker$2,012-3%
Walnut Grove$2,044-1%
Walnut Shade$2,037-1%
Wappapello$2,0821%
Wardell$1,885-9%
Warrensburg$1,901-8%
Warrenton$2,034-2%
Warsaw$2,042-1%
Warson Woods$2,1182%
Washburn$2,022-2%
Washington$2,046-1%
Wasola$2,1625%
Watson$2,008-3%
Waverly$1,951-6%
Wayland$1,994-4%
Waynesville$1,842-11%
Weatherby$2,050-1%
Weatherby Lake$2,0720%
Weaubleau$2,038-1%
Webb City$1,956-5%
Webster Groves$2,1514%
Weldon Spring$1,993-4%
Wellington$1,971-5%
Wellston$2,88239%
Wellsville$2,046-1%
Wentworth$1,968-5%
Wentzville$1,976-4%
Wesco$1,981-4%
West Alton$2,046-1%
West Plains$2,034-2%
Westboro$2,023-2%
Weston$2,047-1%
Westphalia$1,944-6%
Westwood$2,1584%
Wheatland$2,0700%
Wheaton$2,009-3%
Wheeling$2,018-2%
Whiteman AFB$1,873-9%
Whiteoak$1,938-6%
Whiteside$2,0690%
Whitewater$1,914-7%
Wildwood$2,1715%
Willard$2,048-1%
Williamsburg$1,998-3%
Williamstown$1,991-4%
Williamsville$2,0680%
Willow Springs$2,026-2%
Winchester$2,1283%
Windsor$1,986-4%
Windyville$2,009-3%
Winfield$2,0971%
Winigan$2,0811%
Winona$2,2559%
Winston$2,0760%
Wolf Island$1,912-8%
Woodson Terrace$2,49421%
Wooldridge$2,022-2%
Worth$2,1534%
Worthington$2,1464%
Wright City$2,040-1%
Wyaconda$2,040-1%
Wyatt$1,917-7%
Yukon$1,957-5%
Zalma$2,0610%
Zanoni$2,0770%

Missouri drivers are required to have at least these amounts of liability car insurance:

  • $25,000 bodily injury coverage per person
  • $50,000 bodily injury coverage per accident
  • $25,000 property damage coverage

SR-22 insurance in Missouri

If your driver’s license is suspended in Missouri, you must file an SR-22 to get it reinstated.

An SR-22 proves that you have at least the minimum amount of car insurance Missouri law requirements.

Your insurance company should file the SR-22 with the Department of Motor Vehicles (DMV) on your behalf.

The average cost of full-coverage car insurance in Missouri is $2,041 a year, or $170 a month. Liability-only car insurance costs $746 a year, or $62 a month, on average.

Missouri is an at-fault state for auto insurance. This means the driver responsible for the accident pays for resulting injuries and damage.

Methodology

LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of car insurance quotes for a typical driver. Prices are shown for comparative purposes only. Your own rates may be different.

Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX.

Minimum-liability policies provide liability coverage with the state’s required minimum limits.

Full-coverage policies include collision, comprehensive and liability coverage:

  • Bodily injury liability: $50,000 per person, $100,000 per accident
  • Property damage liability: $25,000
  • Uninsured/underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
  • Personal injury protection: minimum limits, where required by law
  • Collision: $500 deductible
  • Comprehensive: $500 deductible


Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.

For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims. Overall satisfaction ratings are from the J.D. Power 2024 U.S. Auto Insurance Study.

*USAA is only available to current and former members of the military as well as certain family members.