Best cheap car insurance in MO
Travelers, Shelter and Farm Bureau are the cheapest companies for most people in Missouri.
- Want full coverage? Travelers: $145/mo
- Only need minimum coverage? Farm Bureau: $43/mo
- Want the best service? Shelter: $186/mo
- Have a speeding ticket? Travelers: $172/mo
- Caused an accident? Travelers: $185/mo
- Need coverage for a teen? Farm Bureau: $121/mo
- Got a DUI? Travelers: $192/mo
- Have poor credit? Travelers: $242/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest full coverage car insurance in Missouri: Travelers and USAA
Travelers and USAA have the cheapest full coverage car insurance in Missouri.
- Travelers has the cheapest full coverage quotes for most people in Missouri, at $145 per month, which is 34% cheaper than the state average.
- Shelter is often a better choice than Travelers because it has better customer service. You can still save around 16% by choosing Shelter, and you may get back on the road faster if you're in an accident in the future.
- USAA has the absolute cheapest rates in Missouri, at just $98 per month for full coverage insurance. However, only military members, veterans and some of their family members can get car insurance from USAA.
Find Cheap Car Insurance Quotes in Missouri
Cheapest full coverage car insurance in Missouri
Company | Monthly rate |
|---|---|
| Travelers | $145 |
| Geico | $180 |
| Shelter | $186 |
| Farm Bureau | $189 |
| USAA* | $98 |
*USAA is only available to current and former military members and their families.
You're probably not alone, as car insurance rates across Missouri jumped 28% between 2022 and 2026.
But you can still save by choosing the right company. Although Travelers has some of the cheapest rates in Missouri, the company has raised rates by 48% over the last five years.
Shelter has increased prices less. The company raised rates around 36% between 2022 and 2026. While that's still more than average, it's much less than Travelers.
Either way, this shows how important it is for Missouri drivers to shop around for quotes every year. The company that offers you the cheapest rates today may not be the most affordable option a year from now.
Data-powered research on Missouri car insurance
Best cheap liability car insurance in Missouri: Farm Bureau and USAA
- Farm Bureau offers the biggest savings on liability car insurance in Missouri, at just $43 per month. That's 43% cheaper than the Missouri state average.
- USAA offers even more affordable rates to Missouri drivers with military ties. It has the cheapest rate in the state by far at just $29 per month, which is a savings of around 62%.
Best rates for liability car insurance in Missouri
Company | Monthly rate |
|---|---|
| Farm Bureau | $43 |
| Travelers | $50 |
| Geico | $64 |
| Progressive | $66 |
| USAA* | $29 |
*USAA is only available to current and former military members and their families.
Find Cheap Car Insurance Quotes in Missouri
Car insurance savings in Missouri by city
- Travelers offers the biggest savings in most cities in Missouri, with the exception of a handful of small towns.
- St. Martins, part of the Jefferson City metro area, has the cheapest car insurance in Missouri. Drivers in St. Martins pay an average of $188 per month for full coverage insurance.
- Pine Lawn has the most expensive car insurance in the state, at $362 per year.
Find Cheap Car Insurance Quotes in Missouri
Cheapest full coverage car insurance in MO by city
City | Avg. rate | Cheapest company | Cheapest rate |
|---|---|---|---|
| Kansas City | $259 | Travelers | $160 |
| Springfield | $218 | Travelers | $143 |
| Columbia | $196 | Travelers | $131 |
| Independence | $234 | Travelers | $154 |
| Blue Springs | $217 | Travelers | $148 |
| St. Peters | $207 | Travelers | $138 |
| Joplin | $200 | Travelers | $140 |
| Florissant | $275 | Travelers | $173 |
| Chesterfield | $222 | Travelers | $158 |
| Wentzville | $209 | Travelers | $141 |
| Cape Girardeau | $221 | Travelers | $139 |
| Wildwood | $228 | Travelers | $156 |
| Liberty | $216 | Travelers | $150 |
| Ballwin | $221 | Travelers | $155 |
| Kirkwood | $221 | Travelers | $153 |
| Raytown | $239 | Travelers | $163 |
| Maryland Heights | $230 | Travelers | $168 |
| Gladstone | $219 | Travelers | $148 |
| Belton | $213 | Travelers | $147 |
| Grandview | $231 | Travelers | $157 |
| Nixa | $215 | Travelers | $140 |
| Raymore | $216 | Travelers | $146 |
| Hazelwood | $263 | Travelers | $165 |
| Webster Groves | $230 | Travelers | $159 |
| Ozark | $212 | Travelers | $140 |
| Sedalia | $207 | Travelers | $144 |
| Arnold | $243 | Travelers | $156 |
| Rolla | $201 | Travelers | $122 |
| Republic | $218 | Travelers | $136 |
| Adrian | $213 | Travelers | $138 |
| Advance | $206 | Travelers | $131 |
| Affton | $234 | Travelers | $165 |
| Agency | $209 | Travelers | $142 |
| Airport Drive | $198 | Travelers | $139 |
| Alba | $200 | Travelers | $132 |
| Albany | $224 | Travelers | $146 |
| Aldrich | $225 | Travelers | $141 |
| Alexandria | $219 | Travelers | $148 |
| Allendale | $224 | Travelers | $141 |
| Alma | $209 | Travelers | $133 |
| Altamont | $225 | Travelers | $149 |
| Altenburg | $211 | Travelers | $134 |
| Alton | $255 | Travelers | $159 |
| Amazonia | $217 | Travelers | $141 |
| Amity | $221 | Travelers | $146 |
| Amoret | $219 | Travelers | $143 |
| Amsterdam | $218 | Travelers | $142 |
| Anabel | $219 | Travelers | $125 |
| Anderson | $226 | Travelers | $138 |
| Annada | $221 | Travelers | $143 |
| Annapolis | $238 | Travelers | $142 |
| Anniston | $215 | Travelers | $119 |
Best car insurance in Missouri: Shelter
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Full coverage rate$186/moThis analysis used auto insurance quotes for a policy with collision and comprehensive coverage.
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Customer satisfactionBestRating is from the J.D. Power customer satisfaction survey.
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AM Best ratingAAn A financial strength rating means that a company has an excellent ability to pay customer claims, even in difficult financial situations. This is the third-highest rating available.
The author, Lindsay Bishop, chose the best car insurance companies in Missouri based on:
- J.D. Power's 2025 U.S. Auto Insurance Study
- J.D. Power's 2025 U.S. Auto Claims Satisfaction Study
- National Association of Insurance Commissioners complaint data
- Each company's average car insurance rates in Missouri
- Coverage availability and optional add-ons
- The author's 7+ years of insurance industry experience
ValuePenguin's reviews follow strict, independent editorial standards and are never influenced by commissions or partnerships.
Cheap Missouri auto insurance after a speeding ticket: Travelers
- Travelers has the cheapest insurance in Missouri for most drivers with a speeding ticket, at $172 per month for full coverage. That's an average savings of 35% compared to the Missouri average.
- Missouri drivers should also compare quotes from Shelter after a ticket because it has much better customer service than Travelers. And although it's $14 per month more than Travelers, Shelter still offers a savings of around 29% compared to the state average.
Lowest-priced Missouri car insurance after a ticket
Company | Monthly rate |
|---|---|
| Travelers | $172 |
| Shelter | $186 |
| Farm Bureau | $195 |
| State Farm | $216 |
| USAA* | $116 |
*USAA is only available to current and former military members and their families.
Missouri car insurance rates go up by an average of 18% after one speeding ticket.
You should always shop around for insurance if your driving record changes. However, your rates typically won't increase until your policy renewal. So if you get a ticket, you should hold off on switching car insurance until your current policy is set to expire.
Cheap auto insurance in Missouri after an accident: Travelers
Travelers offers the cheapest auto insurance in Missouri for most drivers after an accident. A full coverage policy from Travelers costs $185 per month, which is a 42% savings compared to the Missouri average.
Best car insurance quotes in Missouri after an accident
Company | Monthly rate |
|---|---|
| Travelers | $185 |
| Shelter | $231 |
| State Farm | $232 |
| Farm Bureau | $244 |
| USAA* | $129 |
*USAA is only available to current and former military members and their families.
An accident could raise car insurance rates in Missouri by around 44%. That's an average increase of $97 per month for a full coverage policy.
Cheap car insurance in Missouri for teens: Farm Bureau and Travelers
- Minimum liability coverage: Farm Bureau has the cheapest minimum liability insurance for Missouri teens. The company has an average rate of $121 per month for an 18-year-old driver. That's a savings of around 44% compared to the Missouri state average.
- Full coverage: Travelers offers the biggest savings on full coverage rates for teen drivers in Missouri. Full coverage from Travelers costs $385 per month, which is a savings of around 36%.
- Military ties: Young drivers with military ties get much cheaper rates at USAA. Minimum coverage from USAA costs around $68 per month, and full coverage costs $199 per month.
Affordable auto insurance in Missouri for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $121 | $491 |
| Travelers | $139 | $385 |
| Shelter | $170 | $467 |
| Progressive | $194 | $632 |
| USAA* | $68 | $199 |
*USAA is only available to current and former military members and their families.
Teen drivers pay nearly three times as much as older drivers for minimum liability car insurance in Missouri, at an average of $217 per month. That's because young drivers lack experience behind the wheel, which means they're often more likely to cause a crash.
Car insurance savings hacks for Missouri teens
- The best way for Missouri teens to save money on car insurance is by sharing a policy with their parents. A family policy is typically much cheaper than two separate policies. Plus, you can get a multicar discount.
- Many companies also have discounts geared toward young drivers. For example, Missouri Farm Bureau offers a good student discount of up to 20%. That's an average savings of $24 per month on liability-only insurance and $98 per month for a full coverage policy.
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Another great way for teens to save on their car insurance is by signing up for a safe driving program. With these programs, insurance companies track your driving habits using a mobile app or device that plugs into your car. If you get a good driving score, you could earn major savings.
For instance, you could save up to 30% with the Travelers IntelliDrive program. Just be careful about which program you choose, as some insurance companies will raise your rates if you have bad driving habits, such as speeding or driving late at night.
Cheap MO auto insurance for teens with a ticket or an accident: Farm Bureau
- Speeding ticket: Farm Bureau has the best rates for most 18-year-olds with a speeding ticket in Missouri. At $133 per month for minimum liability coverage, you could save around 48% by choosing Farm Bureau compared to the Missouri average.
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Accident: Farm Bureau also has the most affordable car insurance in Missouri for teens with an at-fault accident on their record. A minimum liability policy from Farm Bureau costs $158 per month, which is a savings of around 52% from the state average.
Missouri teens should also consider Travelers and Shelter after an accident. Although the rates are higher than Farm Bureau's, you may be able to get similar or lower rates if you can get certain discounts.
Affordable liability-only quotes for teens witha bad driving record
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $133 | $158 |
| Shelter | $170 | $228 |
| Travelers | $171 | $201 |
| Progressive | $222 | $228 |
| USAA* | $117 | $129 |
*USAA is only available to current and former military members and their families.
Teens in Missouri could see their rates go up by an average of 19% after one speeding ticket and 50% after an at-fault accident.
Cheap Missouri car insurance rates after a DUI: Travelers
Travelers has the most affordable auto insurance quotes for most Missouri drivers with a DUI, at $192 per month for full coverage. That's an average savings of 44% compared to the Missouri average. It's also $38 per month less than the second-cheapest company, Farm Bureau.
Cheap insurance after a DUI in Missouri
Company | Monthly rate |
|---|---|
| Travelers | $192 |
| Farm Bureau | $230 |
| Geico | $261 |
| Shelter | $262 |
| USAA* | $168 |
*USAA is only available to current and former military members and their families.
In Missouri, full coverage car insurance rates go up by $122 per month after a DUI. That's because driving under the influence is very dangerous. Insurance companies believe drivers with DUIs are more likely to cause accidents, making them more expensive to cover.
Missouri drivers with a DUI may also need SR-22 insurance. It typically costs between $15 and $50 per year for an insurance company to file an SR-22 form on your behalf.
Cheap car insurance in MO for drivers with poor credit: Travelers
- Travelers has the best car insurance rates in Missouri for most drivers with poor credit. A full coverage policy from Travelers costs $242 per month, which is a 47% savings from the state average. It's also $35 per month less than the second-cheapest company, Geico.
- USAA is also cheap, but it's only available to current and former military members and their families. However, qualifying Missourians with poor credit can get coverage for $177 per month.
Cheapest MO auto insurance quotes for drivers with bad credit
Company | Monthly rate |
|---|---|
| Travelers | $242 |
| Geico | $277 |
| Farm Bureau | $318 |
| Progressive | $385 |
| USAA* | $177 |
*USAA is only available to current and former military members and their families.
Missouri drivers with bad credit scores pay twice as much for car insurance. Insurance companies use your credit score when deciding your rates because insurance companies have found that drivers with poor credit tend to file insurance claims more often.
Tips for saving on car insurance in MO if you have bad credit
- Shop around for the cheapest rate for you. There's a difference of $705 per month between the most and least expensive companies in Missouri for people with poor credit. That's an entire car payment for some people. So it's worth comparing quotes from multiple companies to find the best rate.
- Ask about discounts. The biggest discounts are typically for bundling your auto and home insurance or signing up for a safe driving program, where insurance companies track your driving habits using a mobile app or device you plug into your car.
- Get rid of coverage you don't need. For example, if you drive an older car and don't have a loan or lease, you could save a lot of money by dropping collision and comprehensive coverage. These coverages help pay for damage to your car, but they may not be worth it if your car is worth less than $5,000 or more than 8 years old.
Is your car insurance company raising rates in Missouri in 2026?
A few major companies have raised car insurance rates in Missouri in 2026. But more companies have actually lowered their rates across the state.
- ↑ Biggest increase: Farmers at +3.8%
- ↓ Biggest decrease: Progressive at -3.3%
Company | 2026 rate change | 5 year rate change |
|---|---|---|
| Progressive | ↓ 3.3% | ↑ 1.5% |
| Travelers | ↓ 3.1% | ↑ 47.9% |
| American Family | ↓ 1.8% | ↑ 22.1% |
| Farm Bureau | ↓ 1.8% | ↑ 51.3% |
| Allstate | ↓ 1.2% | ↑ 80.0% |
| State Farm | 0.0% | ↑ 35.0% |
| Shelter | 0.0% | ↑ 35.5% |
| Geico | 0.0% | ↑ 36.3% |
| USAA | 0.0% | ↑ 38.1% |
| AAA | ↑ 0.1% | ↑ 35.3% |
| Liberty Mutual | ↑ 1.2% | ↑ 47.3% |
| Farmers | ↑ 3.8% | ↑ 78.9% |
A downward arrow (↓) indicates a rate decrease, while an upward arrow (↑) indicates a rate increase.
What to do if your rates went up in Missouri
If your insurance company is raising rates in Missouri, there are a few things you can do to lower your insurance bill.
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Compare quotes from the cheapest car insurance companies in Missouri, including Travelers, Geico, Shelter and Farm Bureau.
There's a difference of $334 per month between the most and least expensive companies for full coverage insurance in Missouri. That could amount to a savings of more than $4,000 per year.
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Find a company that offers lots of discounts you qualify for. Most car insurance companies offer discounts for bundling your home insurance or insuring multiple vehicles, which can save you a lot of money.
But some companies also offer more uncommon discounts. For instance, Shelter offers a discount if you were with your previous insurance company for a long time. And homeowners can save with Geico, even if they insure their home with a different company.
- Consider a safe driving program. These programs track your driving habits using a mobile app or device that you plug into your car. If you practice safe driving habits, like driving below the speed limit, you could earn a big discount.
What auto insurance does Missouri require?
Missouri drivers must have a minimum amount of liability coverage to avoid penalties and legally drive on public roads. This requirement is sometimes written as 25/50/25. Missouri also requires uninsured motorist coverage, which helps pay your medical bills if you're hit by a driver who doesn't have enough insurance.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
If you drive without insurance in Missouri, you could face serious consequences. If you're pulled over or involved in an accident and you don't have insurance, you could lose your driver's license, and the officer may have your car towed.
To get your driving privileges back, you'll need to get an insurance policy and pay a $20 reinstatement fee. However, the fee goes up if it's your second or third time being pulled over without insurance.
First offense
- Fines: Not to exceed $500
- Driving privileges: Driver's license, registration and license plates suspended until adequate insurance is obtained
- Reinstatement requirements: $20 fee
- Driving record: 4 points
Second offense
- Fines: $200-$500
- Driving privileges: Driver's license, registration and license plates suspended for 90 days
- Reinstatement requirements: $200 fee
- Driving record: 4 points
- Imprisonment: Up to 15 days in jail
Third and subsequent offenses
- Fines: $200-$500
- Driving privileges: Driver's license, registration and license plates suspended for one year
- Reinstatement requirements: $400 fee
- Driving record: 4 points
- Imprisonment: Up to 15 days in jail
Proof of some sort of liability insurance that meets the financial responsibility law's requirements is needed whenever you are registering or renewing a car in Missouri. If you don't have an insurance policy, the Department of Revenue (DOR) will also grant your registration if you have a record of one of the following alternatives:
Surety bond: A surety bond good for $75,000 in payments for any bodily injury or property damage you are responsible for in an auto accident can serve as your proof of liability insurance. It needs to be issued by a surety company licensed in MO and filed with the director of the DOR. When you fail to fully satisfy a judgment, the surety company will pay in your place (and later ask you for the money back).
Real estate bond: A real estate bond good for $75,000 in payments for any auto accident judgments can fulfill your MO financial responsibility. Specifically, it needs to be signed by two other individuals who own real estate in MO and together have assets or equity worth more than $150,000. This is a bond of promise that the two signed individuals will pay in your place in case you cannot. Have this bond approved by the county judge where the real estate is located, and the DOR will accept your registration.
Cash/security deposit: A deposit of $75,000 in either cash or securities (such as government bonds or notes) with the MO state treasurer can satisfy the car insurance requirements in Missouri to avoid penalties. Note that the treasurer will only accept this deposit when it is verified that you have no prior unsatisfied judgments. This deposit serves as your liability insurance and pays for any damage you cause in an accident that is deemed your fault. When you submit a receipt of deposit, the DOR will grant your registration.
What's the best car insurance coverage for MO drivers?
A full coverage policy is the best choice for most Missouri drivers.
Full coverage includes:
- Collision coverage, which pays for damage to your own car after an accident, regardless of whose fault it is.
- Comprehensive coverage, which pays for other types of damage, like weather damage and theft.
- Liability protection, which pays to fix someone else's car if you cause a crash. It also helps cover their medical bills, if there are any.
In addition to protecting your car, full coverage insurance can also include more liability coverage than the state requires. That is important if you cause a major accident. The minimum requirements may not be high enough to cover all of the medical bills and expenses of a serious crash.
Lenders usually require you to get full coverage if you have a car loan or lease. You should also consider full coverage if your car is worth more than $5,000 or is newer than 8 years old.
If you drive for a rideshare company, it's important to get a separate rideshare insurance policy.
That's because Missouri law allows insurance companies to deny you coverage if you're in an accident while working as a rideshare driver — even if you don't have passengers or haven't accepted a ride.
Frequently asked questions
Who has the cheapest car insurance in Missouri?
Travelers has the cheapest full coverage car insurance in Missouri. Travelers charges around $145 per month for full coverage car insurance. Farm Bureau has the cheapest minimum coverage insurance at $43 per month for a minimum liability policy. USAA has the cheapest rates for drivers with military ties at $98 per month for full coverage and $29 per month for liability-only insurance.
How much is car insurance in Missouri per month?
Full coverage auto insurance in Missouri costs $221 per month, on average. Minimum liability quotes average $76 per month.
How much is auto insurance in St. Louis, MO?
The average cost of full coverage car insurance in St. Louis, Missouri, is $306 per month. That's $85 per month higher than the state average. In comparison, insurance in Kansas City costs an average of $259 per month.
Methodology
To find the best cheap Missouri car insurance, ValuePenguin collected thousands of quotes from ZIP codes across Missouri for the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit who drives a 2018 Honda Civic EX.
Full coverage rates include comprehensive and collision coverage along with higher liability limits than required by the state.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
To calculate rate changes by company, ValuePenguin used publicly available rate filing data from the Missouri Department of Commerce and Insurance. Rate filing data was sourced using RateWatch from S&P Global, which uses information from the National Association of Insurance Commissioners (NAIC).
The table includes rate filings submitted by major insurance companies and their subsidiaries with effective dates between 2022 and 2026. Because insurance companies often break customers into different rating groups, a filing may apply only to certain drivers, vehicles, coverage levels, regions or policy types. Not every increase or decrease applies to every policyholder insured by that company in the state.
Data limitations
Insurance companies may submit multiple filings throughout the year. Some filings may be revised, withdrawn or superseded after publication.
Rate filing information was current as of July 28, 2026.
About the Author
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
