Cheapest Car Insurance in Missouri (2024)
- Expertise: Auto insurance, home insurance and renters insurance
- Education: University of California-Berkeley (BA in History)
Rob Bhatt is a licensed insurance agent and joined the staff of Lending Tree in 2021. Previously, he spent more than 20 years writing for and editing regional publications in California, Nevada and Washington. Rob enjoys helping readers understand how different coverages work so they can make informed purchasing decisions, and he specializes in producing research-backed content for LendingTree about auto, home and renters insurance. His work has been cited by ABC, Business Insider, MSN and Yahoo.
Progressive offers the cheapest liability car insurance in Missouri ($474 a year on average), while State Farm has the state’s cheapest average quotes for full-coverage car insurance ($1,461 a year).
At the same time, certain drivers might find less expensive rates at another insurer in some cases, such as for those with poor credit.
Cheapest full-coverage car insurance in Missouri: State Farm
State Farm has the cheapest full-coverage car insurance quotes for most Missouri drivers, with rates averaging $1,461 a year, or $122 a month.
USAA’s rate of $961 a year is the cheapest overall, but USAA is only available to current and former members of the military and their families.
| Company | Annual Rate |
|---|---|
| State Farm | $1,461 |
| American Family | $1,576 |
| Travelers | $1,795 |
| Shelter | $1,806 |
| Progressive | $2,005 |
| Allstate | $2,618 |
| Geico | $3,038 |
| USAA* | $961 |
The average cost of full-coverage car insurance in Missouri is $1,906 a year, or $159 a month.
Note that the actual price you pay depends on factors such as:
- Your driving record and credit history
- Your age and ZIP code
- The type of vehicle you drive
- The discounts you are eligible to receive
Since each insurance company weighs these factors differently, you may qualify for a significantly cheaper rate with one than you do with others. This is the main reason to compare quotes from multiple companies when you shop.
Missouri’s cheapest minimum-liability car insurance: Progressive
Progressive has the cheapest minimum-liability auto insurance in Missouri, with average quotes at $474 a year, or $40 a month.
The next-best rates are available from American Family ($537 a year), followed by State Farm ($555 a year).
| Company | Annual Rate |
|---|---|
| Progressive | $474 |
| American Family | $537 |
| State Farm | $555 |
| Shelter | $690 |
| Travelers | $707 |
| Geico | $1,113 |
| Allstate | $1,126 |
| USAA* | $284 |
Liability insurance covers just those injuries or damage you cause to others in a car accident.
In Missouri, minimum-liability car insurance includes uninsured motorist coverage, which covers injuries you and your passengers suffer in an accident caused by a driver without insurance.
Cheapest for young Missouri drivers: Shelter and State Farm
Shelter offers the cheapest minimum-liability car insurance quotes for young drivers in Missouri, but State Farm has the cheapest full-coverage rates for teens.
Shelter’s charges 18-year-olds in Missouri an average of $1,722 a year ($144 a month), for minimum-liability car insurance. This is roughly 16% less than the state average of $2,059 a year.
Minimum-liability car insurance rates for teens
| Company | Annual Rate |
|---|---|
| Shelter | $1,722 |
| State Farm | $1,819 |
| Travelers | $1,887 |
| Progressive | $2,165 |
| American Family | $2,201 |
| Geico | $2,860 |
| Allstate | $3,175 |
| USAA* | $640 |
State Farm charges 18-year-old Missouri drivers an average of $4,189 ($349 a month) for full coverage. The next-best rates are available from Travelers and Shelter.
Full-coverage car insurance rates for teens
| Company | Annual Rate |
|---|---|
| State Farm | $4,189 |
| Travelers | $4,445 |
| Shelter | $4,520 |
| American Family | $5,429 |
| Allstate | $5,820 |
| Geico | $6,751 |
| Progressive | $6,770 |
| USAA* | $1,963 |
Teens tend to have higher accident rates than other age groups, which is one of the main reasons why young drivers are charged so much for car insurance.
However, teens can usually get more affordable rates when added to a parent’s car insurance, rather than having their own policies.
Cheapest in Missouri after a speeding ticket: State Farm
State Farm has the cheapest auto insurance for Missouri for drivers with a speeding ticket or other traffic violation. Its rates average $1,573 a year ($131 a month) for full coverage.
The next best rates are available from Shelter and American Family.
A speeding ticket increases the average cost of car insurance in Missouri by 16% to $2,206 a year.
| Company | Annual Rate |
|---|---|
| State Farm | $1,573 |
| Shelter | $1,806 |
| American Family | $1,858 |
| Travelers | $2,145 |
| Progressive | $2,398 |
| Allstate | $3,014 |
| Geico | $3,714 |
| USAA* | $1,142 |
Cheapest in Missouri after an accident: State Farm
State Farm has the cheapest car insurance rates for Missouri drivers with a prior at-fault accident. Its quotes average $1,686 a year, or $141 a month. The next-lowest rates are available from Shelter and Travelers.
Drivers with a prior accident pay an average of 42% more for auto insurance than those with a clean record.
| Company | Annual Rate |
|---|---|
| State Farm | $1,686 |
| Shelter | $2,253 |
| Travelers | $2,308 |
| American Family | $2,577 |
| Progressive | $2,868 |
| Allstate | $3,827 |
| Geico | $4,833 |
| USAA* | $1,275 |
Cheapest for Missouri drivers with a DUI: Progressive
Progressive offers the cheapest car insurance to Missouri drivers with a driving under the influence (DUI) conviction. Its quotes average $2,245 a year ($87 a month) for full coverage.
A DUI increases the average price of auto insurance in Missouri to $1,908 a year. Progressive’s rate is 25% less than the state average.
| Company | Annual Rate |
|---|---|
| Progressive | $2,245 |
| Travelers | $2,429 |
| Shelter | $2,559 |
| American Family | $2,649 |
| State Farm | $3,241 |
| Allstate | $3,498 |
| Geico | $5,577 |
| USAA* | $1,662 |
Best rates for MO drivers with bad credit: American Family
American Family has the best car insurance rates for Missouri drivers with bad credit, $2,611 a year ($218 a month).
The next best rates are available from Travelers ($3,035 a year) and Progressive ($3,168 a year).
In Missouri, drivers with bad credit pay an average of $3,659 a year for full coverage. This amount is about 92% higher than the rate available to those with good credit.
Missouri auto insurance rates by city
In Missouri’s cities, auto insurance rates range from $1,674 a year for full coverage in Jefferson City to $2,455 a year in St. Louis. The average cost of car insurance in Kansas City is $2,115 a year.
| City | Annual Rate |
|---|---|
| Ballwin | $1,999 |
| Blue Springs | $1,877 |
| Cape Girardeau | $1,772 |
| Chesterfield | $2,042 |
| Columbia | $1,797 |
| Florissant | $2,378 |
| Independence | $2,019 |
| Jefferson City | $1,674 |
| Joplin | $1,806 |
| Kansas City | $2,115 |
| Kirkwood | $2,000 |
| Lee's Summit | $1,909 |
| Liberty | $1,900 |
| Mehlville | $2,132 |
| Oakville | $2,141 |
| O'Fallon | $1,849 |
| Raytown | $2,121 |
| Springfield | $1,816 |
| St. Charles | $1,871 |
| St. Joseph | $1,834 |
| St. Louis | $2,455 |
| St. Peters | $1,844 |
| University City | $2,255 |
| Wentzville | $1,849 |
| Wildwood | $2,024 |
Auto insurance laws in Missouri
Missouri law requires you to provide proof of insurance to register your vehicle each year.
You can be asked to show your insurance identification card during a traffic stop or after an accident. The state also uses an online system to verify the insurance status of registered vehicles.
The penalties for driving without insurance include fines and a suspension of your vehicle registration and/or driver’s license.
You usually also have to pay a reinstatement fee and file an SR-22 certificate with the state to drive again after your suspension ends.
Missouri’s minimum car insurance requirements
The minimum amounts of car insurance you need to drive legally in Missouri include:
- Bodily injury liability: $25,000 per person
- Bodily injury liability: $50,000 per accident
- Property damage liability: $25,000
- Uninsured motorist bodily injury: $25,000 per person/$50,000 per accident
For car loans, lenders typically require you to add collision and comprehensive coverage to your policy:
- Collision pays to repair or replace your car after a collision with another vehicle or object.
- Comprehensive covers your car for theft or damage from non-collision causes such as fire, flood, falling objects and vandalism.
Both coverages are also normally required for a lease.
SR-22 insurance in Missouri
After certain offenses, including DUI and driving without insurance, you usually have to get SR-22 insurance to restore your driving privileges.
An SR-22 is a certificate showing that you have insurance. Your insurance company submits it to the state for you.
You should let the companies you contact for quotes know about your SR-22 requirement when you shop. Some companies won’t insure drivers with an SR-22 requirement, while those that do may add a small SR-22 filing fee — usually about $25 — to your rate.
The actual price you pay for SR-22 car insurance depends largely on your driving history. You can expect to pay more for SR-22 insurance after a DUI or reckless driving conviction than you will for driving without insurance, for example.
What is the Missouri Auto Insurance Program?
The Missouri Auto Insurance Program (MAIP) provides car insurance to drivers who don’t qualify for coverage from normal insurance companies.
If you have multiple accidents and or tickets on your record, MAIP may be your only option. You can get a MAIP policy from any auto insurance company in the state.
MAIP policies tend to be expensive. However, if you avoid tickets and accidents, you are likely to qualify for cheaper rates from normal car insurance companies after two or three years.
Methodology
LendingTree obtains rates from insurance company filings reported to Quadrant Information Services. Rates shown in this article are based on an analysis of more than 475,000 car insurance quotes for sample drivers in every ZIP code in Missouri.
Unless stated otherwise, our sample driver is a 30-year-old man with good credit and no tickets, accidents or DUIs driving a 2015 Honda Civic EX.
Minimum-liability policies include the minimum limits required for liability and uninsured motorist coverage. Full-coverage includes:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist bodily injury: $50,000 per person, $100,000 per accident
- Collision: $500 deductible
- Comprehensive: $500 deductible
Prices are shown for comparative purposes only. Your rates may vary.
*USAA is only available to current and former members of the military and their families.
How much is car insurance in Missouri?
Car insurance in Missouri costs an average of $686 a year, or $57 a month for minimum-liability. The average cost of full-coverage car insurance in Missouri is $1,908 a year, or $159 a month.
Progressive has Missouri’s cheapest rates for minimum-liability car insurance, $474 a year, or $40 a month. State Farm has the state’s cheapest full-coverage rate, $1,461 a year, or $122 a month.
The bare minimum car insurance coverages required by law in Missouri are bodily injury liability, property damage liability and uninsured motorist coverage.
The minimum limits required for bodily injury liability and uninsured motorist coverage are $25,000 per injured person and $50,000 per accident. Your property damage liability limit needs to be at least $25,000.
You usually have to add collision coverage and comprehensive coverage to your car insurance for a loan or lease.