Cheapest Auto Insurance Quotes in Missouri (2025)
American Family has the cheapest car insurance in Missouri, at $137 per month for full coverage.
Find Cheap Auto Insurance Quotes in Missouri
Best cheap car insurance in Missouri
How we chose the top companies
Best and cheapest car insurance in Missouri
- Cheapest full coverage: American Family, $137/mo
- Cheapest minimum liability: American Family, $45/mo
- Cheapest for young drivers: Shelter, $160/mo
- Cheapest after a ticket: State Farm, $148/mo
- Cheapest after an accident: State Farm, $158/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Shelter, $160/mo
- Cheapest after a DUI: Progressive, $175/mo
- Cheapest for poor credit: American Family, $228/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
American Family, State Farm and Shelter offer the best combination of dependable customer service and cheap rates in Missouri.
Progressive also has affordable rates. However, it's not as good of a choice because of its negative customer service reviews.
Cheapest car insurance in Missouri: American Family
American Family has the best cheap full coverage car insurance in Missouri.
At $137 per month, full coverage from American Family is $33 per month cheaper than the state average. The average cost of car insurance in Missouri is $170 per month for full coverage.
Missouri drivers should also compare quotes from State Farm, which only costs an average of $1 per month more than American Family.
Find Cheap Auto Insurance Quotes in Missouri
Missouri drivers with military ties can find even cheaper quotes at USAA, where a full coverage policy costs $88 per month. However, only military members, veterans and some of their family members can get car insurance from USAA.
Cheapest full coverage car insurance in Missouri
Company | Monthly rate | |
|---|---|---|
| USAA ? | $88 |
| American Family | $137 |
| State Farm | $138 |
| Progressive | $152 |
| Shelter | $166 |
Best cheap liability car insurance in Missouri: American Family
American Family has the cheapest liability car insurance in Missouri, at just $45 per month.
That's $17 per month cheaper than the Missouri state average, which is $62 per month.
USAA offers even more affordable rates to Missouri drivers with military ties. It has the cheapest rate by far, at just $26 per month. But it's only available to drivers who have served in the military and their family members.
Best rates for liability car insurance in Missouri
Company | Monthly rate |
|---|---|
| USAA ? | $26 |
| American Family | $45 |
| Progressive | $46 |
| State Farm | $51 |
| Shelter | $64 |
Find Cheap Auto Insurance Quotes in Missouri
Cheap car insurance in Missouri for teens: Shelter or State Farm
Shelter has the cheapest minimum liability insurance for Missouri teens. It costs $160 per month for an 18-year-old driver. That's $27 per month cheaper than the Missouri state average.
State Farm has the most affordable full coverage rates for young drivers in Missouri. Full coverage from State Farm costs $387 per month, which is $62 per month less than average.
Young drivers with military ties get much cheaper rates at USAA. Minimum coverage from USAA costs around $59 per month, and full coverage costs $176 per month.
Affordable auto insurance in Missouri for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| USAA | $59 | $176 |
| Shelter | $160 | $416 |
| State Farm | $169 | $387 |
| American Family | $186 | $467 |
| Progressive | $186 | $565 |
Teen drivers pay three times more than older drivers for minimum liability car insurance in Missouri. That's because young drivers lack experience behind the wheel, which means they're often more likely to cause a crash.
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 multi-car discount.
Many companies also have discounts geared toward young drivers. For example, State Farm's Steer Clear program offers a discount to young drivers who complete online safety courses and practice driving with an older mentor.
Cheap Missouri auto insurance after a speeding ticket: State Farm
State Farm has the cheapest insurance in Missouri for most drivers with a speeding ticket, at $148 per month for full coverage. That's $48 per month less than the Missouri average, which is $195 per month.
Lowest-priced Missouri car insurance after a ticket
Company | Monthly rate |
|---|---|
| USAA | $104 |
| State Farm | $148 |
| American Family | $161 |
| Shelter | $166 |
| Progressive | $185 |
Missouri car insurance rates increase by an average of 15% 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 about to expire.
Cheap auto insurance in Missouri after an accident: State Farm
State Farm offers the cheapest auto insurance in Missouri for most drivers after an accident. A full coverage policy from State Farm costs $158 per month, which is $91 per month cheaper than the Missouri average.
Best car insurance quotes in Missouri after an accident
Company | Monthly rate |
|---|---|
| USAA | $115 |
| State Farm | $158 |
| Progressive | $205 |
| Shelter | $208 |
| American Family | $221 |
An accident will raise car insurance rates in Missouri by around 46%. That's an average increase of $79 per month for a full coverage policy.
Cheap MO auto insurance for teens with a ticket or accident: Shelter or Progressive
Shelter has the best rates for most 18-year-olds with a speeding ticket in Missouri. At $160 per month for minimum liability coverage, Shelter is $51 per month cheaper than average for teens with a ticket.
Progressive has the most affordable car insurance in Missouri for teens with an at-fault accident on their record. A minimum liability policy from Progressive costs $197 per month, which is $73 per month less than the Missouri average.
Missouri teens should also consider State Farm after an accident. Although it's $9 per month more than Progressive, State Farm has much better customer service. This could be really important if you're in another accident in the future.
Affordable MO auto insurance quotes for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| USAA | $67 | $69 |
| Shelter | $160 | $215 |
| State Farm | $187 | $206 |
| Progressive | $194 | $197 |
| American Family | $208 | $289 |
Teens in Missouri can expect their rates to go up by an average of 13% after one speeding ticket, and 44% after an at-fault accident.
Cheap Missouri car insurance rates after a DUI: Progressive
Progressive has affordable auto insurance quotes for most Missouri drivers with a DUI, at $175 per month for full coverage. That's $96 per month cheaper than the Missouri average, which is $270 per month.
Cheap insurance in Missouri after a DUI in Missouri
Company | Monthly rate |
|---|---|
| USAA | $149 |
| Progressive | $175 |
| American Family | $227 |
| Shelter | $236 |
| State Farm | $298 |
In Missouri, full coverage car insurance rates go up by $100 per month after a DUI. That's because driving under the influence is very dangerous. Insurance companies believe drivers with a DUI are more likely to cause an accident, 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: American Family
American Family has the best car insurance rates in Missouri for most drivers with poor credit. A full coverage policy from American Family costs $228 per month, which is $120 per month cheaper than the state average. It's also $36 per month less than the second-cheapest company, Progressive.
USAA is also cheap, but it's only available to current and former military members and their families.
Cheapest Missouri auto insurance quotes for drivers with bad credit
Company | Monthly rate |
|---|---|
| USAA | $159 |
| American Family | $228 |
| Progressive | $264 |
| Shelter | $380 |
| Geico | $400 |
Missouri drivers with a bad credit score pay twice as much for car insurance. Insurance companies use your credit score when deciding your rates because drivers with poor credit tend to file insurance claims more often.
Best car insurance in Missouri
USAA has the best auto insurance in Missouri based on its excellent customer service and affordable quotes.
USAA customers are typically happy with the service they get after an accident. The company regularly earns the top score on J.D. Power's claims satisfaction survey.
In addition, it has some of the cheapest insurance quotes in Missouri. The biggest downside is that it's only available to people in the military, veterans and their family members.
State Farm and Shelter are both great options for Missouri drivers who can't get USAA insurance. Both companies have dependable service and affordable rates for most drivers in Missouri.
Top auto insurance companies in Missouri
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| State Farm | 657 | A++ | |
| Shelter | 678 | A | |
| Geico | 637 | A++ | |
| American Family | 660 | A |
Average cost of auto insurance in MO by city
St. Martins, part of the Jefferson City metro area, has the cheapest car insurance in Missouri.
Drivers in St. Martins pay an average of $149 per month for full coverage insurance.
Glasgow Village, in northeast St. Louis County, has the most expensive car insurance in the state, at $264 per year.
Full coverage Missouri car insurance rates
City | Monthly Rate | % from average |
|---|---|---|
| Adrian | $164 | -5% |
| Advance | $160 | -7% |
| Affton | $184 | 7% |
| Agency | $167 | -3% |
| Airport Drive | $162 | -6% |
The average price of full coverage insurance in Missouri varies by $115 per month depending on what city you live in.
Insurance companies consider where you live when setting your rates because certain areas — often big cities — have more accidents and car thefts. People who live in these areas are more likely to file a claim in the future, making them more expensive to insure.
What auto insurance does Missouri require?
Missouri drivers must have a minimum amount of liability coverage to legally drive on public roads. This requirement is sometimes written as 25/50/25. Missouri also requires uninsured and underinsured 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
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 also includes higher liability limits 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 eight years old.
Frequently asked questions
Who has the cheapest car insurance in Missouri?
American Family has the cheapest car insurance in Missouri, at $137 per month for full coverage car insurance and $45 per month for a minimum liability policy.
How much is car insurance in Missouri per month?
Full coverage auto insurance in Missouri costs $170 per month, on average. Minimum liability quotes average $62 per month.
How much is auto insurance in St. Louis, MO?
The average cost of full coverage car insurance in St. Louis, Missouri is $223 per month. That's $53 per month higher than the state average. In comparison, insurance in Kansas City costs an average of $194 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 2015 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: $25,000 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.
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.
