Who Has the Cheapest Auto Insurance Quotes in Missouri? (2023)
Who Has the Cheapest Auto Insurance Quotes in Missouri? (2023)
State Farm has the best cheap car insurance in Missouri, at $35 per month for minimum liability quotes.
Best cheap car insurance companies in Missouri
To help drivers in Missouri find the best cheap auto insurance, our editorial team collected quotes from top insurance companies across every ZIP code in the state. Quotes for minimum coverage meet the Missouri state minimum requirements of $25,000 in bodily injury liability coverage per person and $50,000 per accident, $25,000 in uninsured motorist bodily injury liability coverage per person and $50,000 per accident, and $25,000 in property damage protection. Full coverage quotes include comprehensive and collision protection, in addition to higher liability limits than state minimums.
We also ranked the best auto insurance companies in Missouri based on insurance costs for different drivers, customer service reviews, convenience and coverage availability.
Cheapest auto insurance quotes in Missouri: State Farm
State Farm will likely be able to offer you the cheapest minimum coverage policy in Missouri. Its average quote came in at $416 annually, which breaks down to just $35 per month.
Progressive and American Family offer cheap liability-only car insurance quotes as well.
Find Cheap Auto Insurance Quotes in Missouri
If you qualify for coverage with USAA, you should absolutely get a quote. The company has the cheapest rate by far in the state — just $20 per month — but it is only available to drivers who have served in the military and their family members.
Cheapest minimum coverage car insurance in MO
Company | Monthly rate | |
|---|---|---|
| State Farm | $35 |
| American Family | $45 |
| Progressive | $48 |
| Travelers | $59 |
| Geico | $71 |
USAA is only available to current and former military members and their families.
Minimum coverage car insurance policies in Missouri include liability coverage and uninsured motorist bodily injury coverage. Liability pays for the other driver's injuries or property damage. Uninsured motorist bodily injury coverage pays for your injuries if you are harmed in an accident with an uninsured driver.
This means that minimum coverage in Missouri does not cover your own vehicle if it is vandalized, stolen or damaged in an accident where you are at fault. And the state minimum liability limits may not fully cover the damage if you cause an accident.
Cheapest company for full coverage: State Farm
The average cost of a full coverage policy in Missouri is $154 per month, but State Farm delivers a rate that's nearly 40% cheaper — $92 per month.
American Family — with an average rate of $122 per month — also offers quotes below the state average.
Company | Monthly rate |
|---|---|
| State Farm | $92 |
| American Family | $122 |
| Travelers | $148 |
| Progressive | $159 |
| Allstate | $192 |
USAA is only available to current and former military members and their families.
Full coverage policies in Missouri include the state-mandated liability and uninsured motorist coverages, as well as comprehensive and collision coverage. Full coverage is required if you have a car loan or lease.
Collision coverage pays for damage to your own car after an accident, while comprehensive coverage pays for noncrash incidents, such as animal or weather damage. We recommend you consider a full coverage policy if your car is worth more than a few thousand dollars. It will prevent you from having to pay out of pocket for costly repairs if your car is damaged.
Cheap car insurance quotes for drivers with prior incidents
State Farm offers the best rates in Missouri for most drivers with an incident on their record. A policy from State Farm is between 45% and 56% cheaper than average for drivers with a prior ticket or accident.
You'll pay more for full coverage auto insurance in Missouri if you have incidents on your driving record. Insurers set rates based on the risk you pose, and they view previous incidents as a sign of increased risk.
Find Cheap Auto Insurance Quotes in Your Area
Cheapest car insurance for people with a speeding ticket: State Farm
State Farm offers the cheapest rate for Missouri drivers who received a ticket for driving above the speed limit, at $99 per month for full coverage. That's a little over half the average price statewide ($181 per month).
Company | Monthly rate |
|---|---|
| State Farm | $99 |
| American Family | $145 |
| Travelers | $177 |
| Progressive | $186 |
| Shelter | $195 |
We recommend that you shop around for insurance if your driving record changes. Insurance companies handle incidents on your driving record differently, which means you could get a better rate elsewhere.
Cheapest for drivers with an accident: State Farm
State Farm offers the best rates for Missourians with one at-fault accident on their record. The company's full coverage rate is $1,393 cheaper per year than the state average.
Company | Monthly rate |
|---|---|
| State Farm | $105 |
| Travelers | $190 |
| American Family | $204 |
| Progressive | $227 |
| Shelter | $251 |
An accident on your driving record can increase auto insurance premiums by 44%. The good news is that having accidents on your driving record will usually only affect your rates for three years.
Cheapest car insurance quotes for drivers with a DUI: Progressive
Progressive has the cheapest rates for Missouri drivers with a DUI. Its average rate of $171 per month for full coverage after a DUI is 27% cheaper than the average across all insurers.
Driving under the influence of alcohol endangers both your own life and the lives of others on the road. Drivers with a DUI can expect to pay 53% higher rates than drivers with a clean record.
Company | Monthly rate |
|---|---|
| Progressive | $171 |
| State Farm | $193 |
| Travelers | $200 |
| American Family | $208 |
| Allstate | $259 |
Cheapest car insurance for drivers with poor credit: State Farm
State Farm is the Missouri insurer with the most affordable rates for drivers with poor credit. While the average premium for Missouri drivers with a low credit score is $286 per month for full coverage, State Farm's rate is 41% cheaper, at $167 per month (or $2,005 per year).
Insurers consider your credit score when deciding your rates because drivers with poor credit tend to file more insurance claims.
Company | Monthly rate |
|---|---|
| State Farm | $167 |
| American Family | $202 |
| Travelers | $250 |
| Progressive | $268 |
| Shelter | $304 |
Cheapest car insurance quotes for young drivers: State Farm
State Farm offers teen drivers in Missouri the best rates for both full and minimum coverage. A minimum coverage policy from State Farm costs 33% less than the state average. It also has great rates for young drivers with a ticket or accident on their record.
Young drivers are considered riskier to insure because they're more likely to get in car accidents. That's why teen drivers have higher insurance quotes.
The average cost of full coverage auto insurance for an 18-year-old Missouri driver is $420 per month, or $266 more than what an adult driver pays.
Cheapest car insurance for young drivers in Missouri
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $114 | $260 |
| Travelers | $156 | $366 |
| Shelter | $179 | $456 |
| Geico | $179 | $462 |
| American Family | $183 | $426 |
Cheapest for young drivers with a speeding ticket: State Farm
State Farm offers the best rates for 18-year-olds with a speeding ticket in Missouri, charging $127 per month for minimum coverage. That's $52 per month cheaper than the second-most affordable insurer, Shelter.
Speeding tickets cause the cost of insurance to go up, though not as dramatically as for an at-fault accident. The average rate for an 18-year-old driver in Missouri with a speeding ticket is $202 each month, which is 18% more than with a clean record.
Company | Monthly rate |
|---|---|
| State Farm | $127 |
| Shelter | $179 |
| Travelers | $193 |
| American Family | $205 |
| Geico | $212 |
Cheapest for young drivers after an accident: State Farm
We recommend State Farm to Missouri teens who have been involved in an at-fault accident. At $139 per month, State Farm's price tag for minimum coverage is anything but cheap — but compared to the $400 charged by AAA, the most expensive insurer after an accident, State Farm's quote is relatively affordable.
Young drivers who have been in an at-fault accident pay even higher rates — $72 more per month than a teen with a clear record.
Company | Monthly rate |
|---|---|
| State Farm | $139 |
| Travelers | $219 |
| Shelter | $241 |
| Progressive | $243 |
| Geico | $265 |
Cheapest full coverage car insurance for married drivers: State Farm
Insurance companies typically offer a small discount for drivers who are married. In Missouri, the average cost of full coverage for these drivers is 10%, or $178 per year, cheaper than it is for their unmarried counterparts.
State Farm has the cheapest car insurance for married drivers, at an average price of $92 per month for full coverage, even though State Farm doesn't offer a marriage discount.
Cheapest car insurance for married drivers in Missouri
Company | Monthly rate per car |
|---|---|
| State Farm | $92 |
| American Family | $122 |
| Progressive | $124 |
| Travelers | $148 |
| Shelter | $151 |
Best auto insurance companies in Missouri
USAA is the best insurance company in Missouri in terms of overall customer satisfaction and customer service.
In addition to its consistently affordable quotes, USAA has very strong customer service and good coverage offerings. The only downside is that it's only available to people affiliated with the military.
Coming in close behind are Shelter Insurance and State Farm — both of which have dependable service and coverage options but are more widely available.
Best-rated car insurance in Missouri
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| Shelter | 866 | A | |
| State Farm | 842 | A++ | |
| AAA | 827 | A | |
| Geico | 835 | A++ |
Average car insurance costs in Missouri by city
Among the largest Missouri cities, auto insurance rates are cheapest in St. Martins, with insurers charging just $133 on average. Residents of Bellefontaine Neighbors pay the most, with an average monthly rate of $226.
When calculating your quotes, insurance companies consider where you live in addition to your age, credit score and driving history. Location matters because certain areas — usually densely populated urban areas — experience more accidents and car theft, which in turn makes it more likely that those residents will file a claim.
Insurance quotes for full coverage can vary by more than $1,200 a year depending on what Missouri city you live in.
City | Average monthly cost | Percentage difference from average |
|---|---|---|
| Adrian | $142 | -8% |
| Advance | $141 | -8% |
| Affton | $169 | 10% |
| Agency | $148 | -4% |
| Airport Drive | $145 | -6% |
Minimum requirements for auto insurance in Missouri
Drivers must meet minimum liability coverage limits in Missouri of at least $25,000 per person and $50,000 per incident for bodily injury, plus the same limits for uninsured motorist bodily injury, and $25,000 of property damage liability, to legally drive on public roads. Otherwise, drivers face license suspension and fines.
Coverage type | Minimum coverage |
|---|---|
| Bodily injury (BI) | $25,000 per person/$50,000 per accident |
| Property damage (PD) | $25,000 per accident |
| Uninsured motorist bodily injury (UMBI) | $25,000 per person/$50,000 per accident |
Frequently asked questions
Which company has the cheapest car insurance in Missouri?
State Farm offers the lowest quotes for both minimum and full coverage car insurance in Missouri, our analysis found. The company charges an average of $35 per month for minimum coverage, while full coverage costs $92 per month.
How much car insurance coverage do I need in Missouri?
Missouri state law requires drivers to have $25,000 in bodily injury auto insurance coverage and uninsured motorist bodily injury coverage per person, and $50,000 in both categories per accident, as well as $25,000 in property damage coverage.
How much does car insurance cost in Missouri?
On average, minimum coverage auto insurance costs $56 per month, or $675 per year, in Missouri. Full coverage quotes average $154 per month, or $1,848 per year.
What is considered full coverage auto insurance in Missouri?
Full coverage car insurance is more robust than minimum coverage and usually includes comprehensive and collision coverages, which protect a driver's own car. Full coverage also usually includes more than the minimum required amount of liability coverage, though "full coverage" doesn't refer to any specific coverage amount.
Methodology
We collected thousands of quotes from ZIP codes across Missouri for the largest insurers in the state. Our sample driver is a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
The base policy for our study was a full coverage policy with the following limits:
Coverage type | Study limits |
|---|---|
| Bodily injury liability | $50,000 per person/$100,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $50,000 per person/$100,000 per accident |
| Comprehensive and collision | $500 deductible |
For our minimum coverage policy, we received quotes for a policy with the minimum required limits in Missouri.
For other rate analyses (credit score, prior incidents and marital status), the base policy listed above was adjusted to reflect the new driver (except for young drivers, whose sample rates are for minimum coverage unless otherwise noted).
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.
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.