Who Has the Cheapest Auto Insurance Quotes in Missouri?

Find the Cheapest Auto Insurance Quotes in Your Area

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We studied auto insurance quotes in Missouri to determine which cities and insurance companies had the most affordable rates and which had the most expensive. The average auto insurance quote in the Show-Me State for our sample drivers was $2,584 for a full coverage policy.

Depending on which company Missourians insure with, rates can differ by as much as $3,594 per year. That is why it is important for drivers to shop around before making a decision with a provider. Enter your zip code in the tool above to start with a list of a few options for cheap auto insurance near you.

Cheapest auto insurance in Missouri

Our survey of rates revealed that State Farm will be the cheapest car insurance company for most drivers. Their average rate of $1,382 per year for a full coverage policy is 47% less than what we found to the state mean across the insurers we considered. USAA quoted the lowest premiums; however, as they only offer coverage to veterans and military members (as well as their families), we excluded them from our overall rankings.

Chart of the cheapest car insurance companies in Missouri.

Find the Cheapest Auto Insurance Quotes in Your Area

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RankCompanyAverage annual rate
1State Farm$1,382
2American Family$1,757
3Shelter$2,150
4Progressive$2,751
5Allstate$2,998
6GEICO$3,206
7Automobile Club of Missouri$3,606
8Farmers$4,501
NA*USAA$907
* USAA is excluded from rankings because it is only available to current and former military members and their families.

Cheapest for full coverage: State Farm

For a full coverage auto insurance policy, State Farm provided a quote for our 30-year-old profile driver that was nearly half the average cost for Missouri drivers. Additionally, American Family and Shelter — whose rates for our profile driver were $1,757 and $2,150, respectively — provided quotes below the state average.

  • State Farm: $1,382 per year or $115 per month
  • American Family: $1,757 per year or $146 per month
  • Shelter: $2,150 per year or $179 per month

Full coverage policies include the required coverages, such as liability insurance, as well as comprehensive and collision coverage. We recommend that you consider these policies if your car is worth more than a few thousand dollars, as it will prevent you from having to pay out of pocket for costly repairs if your car is damaged in an accident.

Cheapest for minimum liability: State Farm

For a minimum coverage policy that includes only the required coverages in Missouri, State Farm will likely be able to offer you the cheapest policy. Their average quote for our profile driver came in at less than $50 per month. Additionally, we found that American Family and Progressive offered cheap liability-only car insurance as well — with rates 23% and 20% less than the state average.

  • State Farm: $493 per year or $41 per month
  • American Family: $650 per year or $54 per month
  • Progressive: $680 per year or $57 per month

Minimum liability car insurance policies do not pay to repair or replace your own vehicle if it is damaged in an accident, vandalized or stolen. Furthermore, the liability limits may not fully protect all of your at-risk assets. However, if you are a young driver whose car is worth less than $3,000, a minimum liability policy could be a good option to save on insurance premiums.

Cheapest for drivers with an accident: State Farm

For Missourians that have recently been in an accident and were found to be at fault, we found that State Farm offered the best rates. This company's rates were more than $1,000 cheaper than the company with the second cheapest premiums, Shelter.

  • State Farm: $1,608 per year
  • Shelter: $2,696 per year
  • American Family: $2,846 per year

Having a recent accident on your driving record can increase auto insurance premiums by 44%, according to our survey of rates. The good news is that having accidents on your driving record will usually only affect your rates for three years.

Best auto insurance companies in Missouri

In terms of overall customer satisfaction and customer service, USAA is the best insurance company in Missouri, according to our survey of current customers. Coming in as a close second is American Family — which actually had the highest overall percentage of customers that said they were "extremely satisfied" with their insurer.

Overall rank*Group% of respondents overall extremely satisfied% of respondents who rated customer service as "excellent"
1USAA78%62%
2American Family86%50%
3Allstate72%47%
4State Farm73%46%
5Farmers71%38%
6Progressive74%34%
7GEICO64%42%
8Automobile Club of Missouri44%32%
NAShelterNANA
* Overall rank takes both overall satisfaction and customer service rankings into account.

Minimum requirements for auto insurance coverage in Missouri

In Missouri, drivers must have liability auto insurance coverage to legally drive on public roads. Those that choose to drive without proper auto insurance could face license suspension and fines. Below, we've included the minimum liability coverage limits in Missouri:

Coverage typeMissouri minimum limits
Bodily injury (BI)$25,000 per third-party injured person/ $50,000 per accident
Property damage (PD)$10,000 per accident

Cheapest car insurance in Missouri: By city

Here are the three cheapest insurers in the 50 largest cities included in our study. In each city, State Farm, American Family and Shelter ranked as the three cheapest companies in the area. Below, you can see the average rates these companies quoted for a full coverage policy in a city near you:

CityCompanyAnnual premium
ArnoldState Farm$1,500
American Family$1,997
Shelter$2,657
BallwinState Farm$1,488
American Family$1,963
Shelter$2,339
BeltonState Farm$1,377
American Family$1,788
Shelter$2,170
Blue SpringsState Farm$1,442
American Family$1,842
Shelter$2,170
Cape GirardeauState Farm$1,348
American Family$1,694
Shelter$2,016
CarthageState Farm$1,244
American Family$1,742
Shelter$2,095
ChesterfieldState Farm$1,486
American Family$1,969
Shelter$2,627
ClaytonState Farm$1,536
American Family$2,066
Shelter$2,990
ColumbiaState Farm$1,249
American Family$1,632
Shelter$2,061
CrestwoodState Farm$1,448
American Family$1,916
Shelter$2,339
Dardenne PrairieState Farm$1,287
American Family$1,711
Shelter$2,119
FarmingtonState Farm$1,301
American Family$1,785
Shelter$2,143
FlorissantState Farm$1,539
American Family$2,180
Shelter$2,568
FultonState Farm$1,177
American Family$1,619
Shelter$2,021
GladstoneState Farm$1,457
American Family$1,797
Shelter$2,291
Grain ValleyState Farm$1,427
American Family$1,840
Shelter$2,170
GrandviewState Farm$1,634
American Family$1,890
Shelter$2,581
HannibalState Farm$1,329
American Family$1,551
Shelter$2,021
HazelwoodState Farm$1,679
American Family$2,066
Shelter$2,568
IndependenceState Farm$1,526
American Family$1,929
Shelter$2,291
JacksonState Farm$1,358
American Family$1,734
Shelter$2,016
Jefferson CityState Farm$1,171
American Family$1,543
Shelter$1,758
Kansas CityState Farm$1,649
American Family$2,025
Shelter$2,565
KirksvilleState Farm$1,293
American Family$1,543
Shelter$2,021
Lake St. LouisState Farm$1,291
American Family$1,750
Shelter$2,119
LebanonState Farm$1,148
American Family$1,600
Shelter$2,053
Lee's SummitState Farm$1,407
American Family$1,816
Shelter$2,170
LibertyState Farm$1,329
American Family$1,814
Shelter$2,291
ManchesterState Farm$1,444
American Family$1,920
Shelter$2,568
MarshallState Farm$1,121
American Family$1,543
Shelter$2,041
Maryland HeightsState Farm$1,400
American Family$2,017
Shelter$2,613
MoberlyState Farm$1,348
American Family$1,551
Shelter$2,021
NeoshoState Farm$1,362
American Family$1,642
Shelter$2,071
O FallonState Farm$1,391
American Family$1,700
Shelter$2,119
OzarkState Farm$1,384
American Family$1,751
Shelter$2,046
Poplar BluffState Farm$1,428
American Family$1,727
Shelter$2,160
RaymoreState Farm$1,403
American Family$1,711
Shelter$2,170
RepublicState Farm$1,341
American Family$1,824
Shelter$2,229
RollaState Farm$1,127
American Family$1,531
Shelter$2,062
SedaliaState Farm$1,215
American Family$1,531
Shelter$2,041
SpringfieldState Farm$1,431
American Family$1,784
Shelter$2,229
St. CharlesState Farm$1,380
American Family$1,776
Shelter$2,119
St. JosephState Farm$1,426
American Family$1,752
Shelter$2,147
St. LouisState Farm$2,053
American Family$2,610
Shelter$3,367
TroyState Farm$1,381
American Family$1,742
Shelter$2,143
University CityState Farm$1,537
American Family$2,180
Shelter$2,990
WarrensburgState Farm$1,290
American Family$1,619
Shelter$2,041
WashingtonState Farm$1,407
American Family$1,824
Shelter$2,339
West PlainsState Farm$1,388
American Family$1,725
Shelter$2,053
WildwoodState Farm$1,617
American Family$1,924
Shelter$2,339

Kansas City, Mo.

Kansas City has some of the most expensive auto insurance rates in Missouri, with an average annual premium that is 14% higher than the statewide average. Our survey found that quotes for our profile driver were $2,933 per year on average for a full coverage policy.

The cheapest auto insurance companies in Kansas City are State Farm, American Family and Shelter. On average, we found our sample driver can save over 29% per year on auto insurance premiums, compared to the city average, by choosing one of these three providers.

St. Louis, Mo.

St. Louis has the highest auto insurance costs of the 50 largest Missouri cities included in our study. Auto insurance rates in this city for our profile driver averaged $3,753 per year for a full coverage policy — which is 45% greater than the Missouri average.

These three cheapest car insurance companies for St. Louis residents are State Farm, American Family and Shelter. On average, choosing one of these three companies could represent a savings of 29% compared to the average cost of coverage.

Springfield, Mo.

We found that Springfield drivers can expect to pay $2,501 per year for auto insurance coverage. This is only $83 less per year than the average auto insurance rate for the state of Missouri — $2,501 compared to $2,584.

In order for drivers to keep more money in their pockets, we advise drivers to compare multiple quotes to get the best rates in Springfield. We'd suggest that they consider State Farm, American Family and Shelter. These companies provided us with the cheapest car insurance quotes in Springfield.

Columbia, Mo.

Our study revealed that auto insurance rates in Columbia are 5% less than the Missouri average. For a full coverage auto insurance policy for our profile driver, we found that Columbia drivers can expect to pay $2,467 per year.

Drivers that are looking for cheaper coverage, however, should get quotes from State Farm, American Family and Shelter. These companies' rates were 33% less than the average across all of the insurers we considered in Columbia.

Independence, Mo.

Annual auto insurance rates for our profile driver averaged $2,772 per year in Independence — which is 7% higher than the Missouri average. This is about $200 less than the annual rate for an identical policy for a driver in nearby Kansas City.

To make sure motorists are getting the best quotes, we recommend State Farm, American Family and Shelter as three companies that are likely to offer you the cheapest rates. In our analysis, these companies quoted an average annual rate of $1,910 for our profile driver — 31% less than the citywide average.

Average car insurance cost in Missouri: By city

Of the 50 largest cities in the state that were included in our study, we found that Jefferson City has the cheapest auto insurance — with annual premiums 12% less than the state average. At the other end of the spectrum, St. Louis has the most expensive car insurance rates in Missouri.

RankCityAverage annual premiums
1Jefferson City$2,274
2Sedalia$2,309
3Lebanon$2,317
4Marshall$2,361
5Warrensburg$2,374
6Carthage$2,381
7Kirksville$2,382
8Rolla$2,394
9Ozark$2,399
10Jackson$2,407
11Moberly$2,414
12Hannibal$2,415
13Republic$2,442
14Columbia$2,467
15Fulton$2,481
16Neosho$2,487
17Springfield$2,501
18Farmington$2,506
19Cape Girardeau$2,506
20West Plains$2,509
21Poplar Bluff$2,510
22Troy$2,528
23O Fallon$2,532
24Raymore$2,533
25Lake St. Louis$2,534
26St. Charles$2,544
27Blue Springs$2,558
28Grain Valley$2,561
29Belton$2,565
30Dardenne Prairie$2,565
31Liberty$2,574
32St. Joseph$2,578
33Lee's Summit$2,599
34Washington$2,612
35Gladstone$2,639
36Manchester$2,708
37Ballwin$2,746
38Independence$2,772
39Crestwood$2,791
40Wildwood$2,796
41Chesterfield$2,802
42Grandview$2,835
43Maryland Heights$2,839
44Arnold$2,852
45Kansas City$2,933
46Clayton$2,999
47University City$3,033
48Hazelwood$3,127
49Florissant$3,160
50St. Louis$3,753

Methodology

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different. The quotes we obtained were for a 2015 Honda Civic EX owned by our sample driver who drives 12,000 miles a year.

Comments and Questions

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