How to Compare Car Insurance Quotes 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 (2024)

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

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.

Find the Cheapest Car Insurance Quotes in Your Area

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.

CompanyAnnual 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.

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).

CompanyAnnual 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.

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

CompanyAnnual 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

CompanyAnnual 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.

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.

CompanyAnnual 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

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.

CompanyAnnual 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

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.

CompanyAnnual 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.

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.

CityAnnual 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

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.

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.