We compared quotes across several driver profiles and found State Farm consistently had the cheapest premiums for Missouri drivers. Minimum coverage from State Farm costs $425 annually, while full coverage costs $1,397.
Depending on which company Missourians insure with, and the coverages they select, rates can differ by as much as $3,791 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: 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. Its average quote for our profile driver came in at $425 annually, which breaks down to just $35 per month. Progressive and American Family offered our sample driver cheap liability-only car insurance as well, with rates about 25% less than the state average of $690.
Find Cheap Auto Insurance Quotes in Missouri
If you qualify for coverage with USAA, you should definitely get a quote. The company has the cheapest rates by far in the state — just $294 per year and $24 per month — but it is only available to drivers who have served in the military and their family members.
Minimum coverage car insurance policies in Missouri include liability coverage and uninsured motorist bodily injury coverage. Liability coverage 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 damaged in an accident, vandalized or stolen. Furthermore, the state minimum liability limits may not fully protect all of your at-risk assets.
Cheapest company for full coverage: State Farm
The average cost of a full coverage policy in Missouri is $2,531 per year, but State Farm provided a quote for our 30-year-old sample driver that was nearly half as expensive — $1,397 annually and $116 monthly.
American Family and Shelter — whose rates for our profile driver were $1,822 and $2,214, respectively — also provided quotes below the state average, so they could be good alternative options.
Full coverage policies include the state-mandated liability and uninsured motorist coverages, as well as comprehensive and collision coverage. Collision coverage pays for damages to your own car after an accident, while comprehensive coverage pays for non-crash incidents, such as animal or weather damage. We recommend that 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 sustains damage.
Cheap car insurance for drivers with prior incidents
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. Recognizing this, we identified the cheapest full coverage insurance for drivers who have:
Find Cheap Auto Insurance Quotes in Missouri
Cheapest for drivers with an accident: State Farm
We found that State Farm offers the best rates to Missourians with one at-fault accident on their record. The company's full coverage rates are more than $1,000 cheaper than the company with the second-cheapest premiums, Shelter, and 55% cheaper than the state average.
Our survey of rates shows that an accident on your driving record can increase auto insurance premiums by 42%. The good news is that having accidents on your driving record will usually only affect your rates for three years.
Cheapest car insurance for people with a speeding ticket: State Farm
State Farm also offers the cheapest rates to Missouri drivers who received a ticket for driving above the speed limit. Average rates for full coverage in Missouri are $3,079 annually and $257 monthly — almost double State Farm's price of $1,514 annually and $126 monthly.
Of the three incidents in our study, speeding tickets raised average rates the least. Missouri drivers pay 22% more after a speeding ticket, compared to 42% more after an at-fault accident and 43% more after a DUI (driving under the influence) citation.
However, different insurers penalize these incidents in different ways. State Farm, for instance, charged identical rates for a DUI and a speeding ticket but raised rates more sharply for an at-fault accident. By contrast, Progressive charged our sample driver a higher rate after a speeding ticket than after a DUI, while Shelter charged more after a DUI than after a ticket.
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 car insurance for drivers with a DUI: State Farm
Driving under the influence of alcohol endangers both your own life and the lives of those on the road around you. Missouri insurance companies penalize drivers with a DUI citation with average rates that are over $1,000 more expensive annually than average rates for drivers with a clean record.
State Farm is your best bet for affordable coverage if you've received a DUI citation. At $1,514 per year, full coverage from State Farm is just $117 more expensive than it would be with a clean record. To put that in perspective: Geico, one of the more expensive insurers in our study, raised rates by $2,498 a year after a DUI, from $3,071 to $5,569.
Cheapest car insurance for drivers with poor credit: State Farm
Your credit score might have nothing to do with your driving ability, but insurers will base your rates on it nonetheless. If you have excellent credit, you'll pay lower rates than someone with average or poor credit, and vice versa. We identified State Farm as the Missouri insurer with the most affordable rates for drivers with poor credit. While the average annual premium for Missouri drivers with a low credit score is $3,351 annually for full coverage, State Farm's rates are 40% cheaper, at $1,998 per year and $166 per month.
Cheapest full coverage car insurance for married drivers: State Farm
Insurance providers typically offer discounts for drivers who are married. In Missouri, the average cost of coverage for these drivers is $160 per year cheaper than it is for their non-married counterparts. State Farm has the cheapest car insurance for married drivers.
|Average in Missouri||$2,371||$198|
Cheapest car insurance for young drivers: State Farm
As one of the most accident-prone demographics, young drivers pose a significant risk to insurers — and pay for it. The average cost of full coverage auto insurance for our sample 18-year-old Missouri driver is $6,511 annually, almost $4,000 more than what our sample adult driver was charged.
State Farm offers teen drivers in Missouri the best rates for both full and minimum coverage. Annual policies cost $984 less for full coverage and $316 less for minimum coverage than the next-cheapest option. Start your search with State Farm for both kinds of coverage, and then consider Allstate, the second-most affordable option for minimum coverage, or Shelter, the second-most affordable option for full coverage.
USAA is excluded from rankings because it is only available to current and former military members and their families.
Young drivers also pay far more than adult drivers for minimum coverage. Our analysis found that the average cost for minimum coverage is more than triple for teens compared to adults.
Teen drivers and their parents looking to maximize their savings often choose minimum coverage policies because of their comparative affordability; however, Value Penguin recommends full coverage for most young drivers. Because teens are more likely to get into an accident, they're also more likely to need the collision coverage that comes as part of a full coverage policy. Families can reduce their premiums by adding their teen to a parent's policy rather than having them take out their own, and teens with good grades can often get reduced rates.
The exception to this rule is if a teen drives a car whose total worth is less than what you would pay to insure it over the course of an annual policy. In instances like this, minimum coverage makes the most sense.
Cheapest for young drivers with one accident: State Farm
If young drivers pay high rates, young drivers who have been in an at-fault accident pay even higher rates — more than $2,000 higher, according to our analysis of quotes from Missouri insurers.
We recommend State Farm to Missouri teens who have been involved in an at-fault accident. At $4,967 annually, the price tag for full coverage is anything but cheap — but compared to the $18,341 charged by Auto Club, the most expensive insurer in our study, State Farm's rates are relatively affordable.
Cheapest for young drivers with one speeding ticket: State Farm
Speeding tickets cause the cost of insurance to go up, though not as dramatically as for an at-fault accident. ValuePenguin found that the average rate for a teen driver in Missouri with a speeding ticket is $7,469 annually, which is $1,138 more than the average rate for a teen driver with a clean record.
State Farm again offered the best rates to our sample teen driver, charging $4,565 annually and $380 monthly for full coverage. That's over $1,000 cheaper than the second-most affordable insurer, Shelter.
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 who said they were "extremely satisfied" with their most recent claim.
Percentage of respondents overall extremely satisfied with most recent claim
Percentage of respondents who rated customer service as "excellent"
Overall rank takes both overall satisfaction and customer service rankings into account.
American Family and USAA also received a relatively low number of customer complaints, as indicated by their complaint indices from the National Association of Insurance Commissioners (NAIC). A complaint index of 1.00 means that an insurer received an average number of complaints for its size, so American Family and USAA's scores indicate they respectively received about one-half and one-third fewer complaints than expected.
If you'd prefer to work with a smaller insurer, Shelter could be a solid choice. Not only are its prices comparatively affordable, but its Complaint Index from the NAIC was just 0.51. Farmers also did well with the NAIC, with a slightly lower Complaint Index of 0.49.
NAIC Complaint Index (lower is better)
J.D. Power claims satisfaction score (Higher is better)
AM Best Financial Strength Rating
AM Best gave all nine of the companies featured in our study a Financial Strength Rating of "A" or better, which indicates AM Best's confidence that these insurers have an "Excellent" or "Superior" ability to pay out claims.
Average car insurance cost in Missouri by city
When calculating your rates, Missouri 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 crime, which in turn makes it more likely that you'll file a claim if you live in one of these areas.
We found that insurance rates for full coverage can vary by more than $1,600 a year depending on what Missouri city you live in. Rates are cheapest in Taos, with insurers charging just $2,186 on average, while residents of Bellefontaine Neighbors pay the most, with average annual rates of $3,790. Of the 50 most populous cities in Missouri, Jefferson City has the most affordable rates at $2,194 per year and Spanish Lake has the most expensive at $3,624 per year.
The rates in the table below are for a full coverage policy.
Average annual cost
Percentage difference from average
Missouri rate changes by company
In Missouri, auto insurance providers decreased their premiums in 2020 by 2.1%, breaking the trend of higher premium rates over the past several years. State Farm showed the most significant decrease in premiums, down 9.7% compared to 2019. Additionally, other companies in Missouri opted to decrease their premium rates during 2020, such as Shelter, which lowered rates 3.4%.
Premiums written (millions) 2019
Rate change % 2019
Rate change % 2020
|Auto Club Enterprises||$167.1||6.8%||3.0%|
Minimum requirements for auto insurance coverage in Missouri
In Missouri, drivers must have liability auto insurance coverage to legally drive on public roads. Those who choose to drive without proper auto insurance could face license suspension and fines. Below, we've included the minimum liability coverage limits in Missouri:
|Bodily injury (BI)||$25,000 per person/$50,000 per accident|
|Property damage (PD)||$10,000 per accident|
|Uninsured motorist bodily injury (UMBI)||$25,000 per person/$50,000 per accident|
Recap of the cheapest auto insurance in Missouri
- Minimum coverage: State Farm
- Full coverage: State Farm
- After an at-fault accident: State Farm
- After a speeding ticket: State Farm
- After a DUI: State Farm
- Poor credit history: State Farm
- Married couples: State Farm
- Young drivers: State Farm
- Young drivers with one accident: State Farm
- Young drivers with a speeding ticket: State Farm
We collected thousands of rates from ZIP codes across Missouri for the largest 10 insurers. We used a sample driver with the following profile:
- 30-year-old man
- Drives a 2015 Honda Civic EX
- Average credit
The base policy for the study was a full-coverage policy with the following limits:
|Bodily liability||$50,000 per person/$100,000 per accident|
|Personal injury protection||$10,000|
|Property damage||$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 quoted a policy with the minimum required limits in Missouri, above.
For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.
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.