Who Has the Cheapest Auto Insurance Quotes in Missouri?
Who Has the Cheapest Auto Insurance Quotes in Missouri?
Find Cheap Auto Insurance Quotes in Missouri
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 $437 for a six-month minimum coverage policy. That comes out to $874 per year.
Depending on which company Missourians insure with, and the coverages they select, 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
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.
Find Cheap Auto Insurance Quotes in Missouri
Those who qualify for a policy should definitely get a quote with USAA, by far the cheapest option in the state on average, but one that won't be available for all drivers.
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.
| Rank | Company | Average annual rate |
|---|---|---|
| 1 | State Farm | $518 |
| 2 | American Family | $666 |
| 3 | Progressive | $720 |
| 4 | Shelter | $781 |
| 5 | Allstate | $1,000 |
| 6 | GEICO | $1,071 |
| 6 | Automobile Club of Missouri | $1,198 |
| 8 | Farmers | $1,639 |
| N/A* | USAA | $270 |
Cheapest company 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
The average cost of a full coverage policy in Missouri is $2,584 per year.
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 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 full coverage 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 most recent claim.
| Overall rank* | Group | % of respondents overall extremely satisfied with most recent claim | % of respondents who rated customer service as "excellent" |
|---|---|---|---|
| 1 | USAA | 78% | 62% |
| 2 | American Family | 86% | 50% |
| 3 | Allstate | 72% | 47% |
| 4 | State Farm | 73% | 46% |
| 5 | Farmers | 71% | 38% |
| 6 | Progressive | 74% | 34% |
| 7 | GEICO | 64% | 42% |
| 8 | Automobile Club of Missouri | 44% | 32% |
| NA | Shelter | NA | NA |
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 type | Missouri 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, excluding USAA. Below, you can see the average rates companies quoted for a full coverage policy in a city near you:
| City | Company | Annual premium |
|---|---|---|
| Arnold | State Farm | $1,500 |
| American Family | $1,997 | |
| Shelter | $2,657 | |
| Ballwin | State Farm | $1,488 |
| American Family | $1,963 | |
| Shelter | $2,339 | |
| Belton | State Farm | $1,377 |
| American Family | $1,788 | |
| Shelter | $2,170 | |
| Blue Springs | State Farm | $1,442 |
| American Family | $1,842 | |
| Shelter | $2,170 | |
| Cape Girardeau | State Farm | $1,348 |
| American Family | $1,694 | |
| Shelter | $2,016 | |
| Carthage | State Farm | $1,244 |
| American Family | $1,742 | |
| Shelter | $2,095 | |
| Chesterfield | State Farm | $1,486 |
| American Family | $1,969 | |
| Shelter | $2,627 | |
| Clayton | State Farm | $1,536 |
| American Family | $2,066 | |
| Shelter | $2,990 | |
| Columbia | State Farm | $1,249 |
| American Family | $1,632 | |
| Shelter | $2,061 | |
| Crestwood | State Farm | $1,448 |
| American Family | $1,916 | |
| Shelter | $2,339 | |
| Dardenne Prairie | State Farm | $1,287 |
| American Family | $1,711 | |
| Shelter | $2,119 | |
| Farmington | State Farm | $1,301 |
| American Family | $1,785 | |
| Shelter | $2,143 | |
| Florissant | State Farm | $1,539 |
| American Family | $2,180 | |
| Shelter | $2,568 | |
| Fulton | State Farm | $1,177 |
| American Family | $1,619 | |
| Shelter | $2,021 | |
| Gladstone | State Farm | $1,457 |
| American Family | $1,797 | |
| Shelter | $2,291 | |
| Grain Valley | State Farm | $1,427 |
| American Family | $1,840 | |
| Shelter | $2,170 | |
| Grandview | State Farm | $1,634 |
| American Family | $1,890 | |
| Shelter | $2,581 | |
| Hannibal | State Farm | $1,329 |
| American Family | $1,551 | |
| Shelter | $2,021 | |
| Hazelwood | State Farm | $1,679 |
| American Family | $2,066 | |
| Shelter | $2,568 | |
| Independence | State Farm | $1,526 |
| American Family | $1,929 | |
| Shelter | $2,291 | |
| Jackson | State Farm | $1,358 |
| American Family | $1,734 | |
| Shelter | $2,016 | |
| Jefferson City | State Farm | $1,171 |
| American Family | $1,543 | |
| Shelter | $1,758 | |
| Kansas City | State Farm | $1,649 |
| American Family | $2,025 | |
| Shelter | $2,565 | |
| Kirksville | State Farm | $1,293 |
| American Family | $1,543 | |
| Shelter | $2,021 | |
| Lake St. Louis | State Farm | $1,291 |
| American Family | $1,750 | |
| Shelter | $2,119 | |
| Lebanon | State Farm | $1,148 |
| American Family | $1,600 | |
| Shelter | $2,053 | |
| Lee's Summit | State Farm | $1,407 |
| American Family | $1,816 | |
| Shelter | $2,170 | |
| Liberty | State Farm | $1,329 |
| American Family | $1,814 | |
| Shelter | $2,291 | |
| Manchester | State Farm | $1,444 |
| American Family | $1,920 | |
| Shelter | $2,568 | |
| Marshall | State Farm | $1,121 |
| American Family | $1,543 | |
| Shelter | $2,041 | |
| Maryland Heights | State Farm | $1,400 |
| American Family | $2,017 | |
| Shelter | $2,613 | |
| Moberly | State Farm | $1,348 |
| American Family | $1,551 | |
| Shelter | $2,021 | |
| Neosho | State Farm | $1,362 |
| American Family | $1,642 | |
| Shelter | $2,071 | |
| O Fallon | State Farm | $1,391 |
| American Family | $1,700 | |
| Shelter | $2,119 | |
| Ozark | State Farm | $1,384 |
| American Family | $1,751 | |
| Shelter | $2,046 | |
| Poplar Bluff | State Farm | $1,428 |
| American Family | $1,727 | |
| Shelter | $2,160 | |
| Raymore | State Farm | $1,403 |
| American Family | $1,711 | |
| Shelter | $2,170 | |
| Republic | State Farm | $1,341 |
| American Family | $1,824 | |
| Shelter | $2,229 | |
| Rolla | State Farm | $1,127 |
| American Family | $1,531 | |
| Shelter | $2,062 | |
| Sedalia | State Farm | $1,215 |
| American Family | $1,531 | |
| Shelter | $2,041 | |
| Springfield | State Farm | $1,431 |
| American Family | $1,784 | |
| Shelter | $2,229 | |
| St. Charles | State Farm | $1,380 |
| American Family | $1,776 | |
| Shelter | $2,119 | |
| St. Joseph | State Farm | $1,426 |
| American Family | $1,752 | |
| Shelter | $2,147 | |
| St. Louis | State Farm | $2,053 |
| American Family | $2,610 | |
| Shelter | $3,367 | |
| Troy | State Farm | $1,381 |
| American Family | $1,742 | |
| Shelter | $2,143 | |
| University City | State Farm | $1,537 |
| American Family | $2,180 | |
| Shelter | $2,990 | |
| Warrensburg | State Farm | $1,290 |
| American Family | $1,619 | |
| Shelter | $2,041 | |
| Washington | State Farm | $1,407 |
| American Family | $1,824 | |
| Shelter | $2,339 | |
| West Plains | State Farm | $1,388 |
| American Family | $1,725 | |
| Shelter | $2,053 | |
| Wildwood | State 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 companies to get their 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.
Rates are for a full coverage policy.
| Rank | City | Average annual premiums |
|---|---|---|
| 1 | Jefferson City | $2,274 |
| 2 | Sedalia | $2,309 |
| 3 | Lebanon | $2,317 |
| 4 | Marshall | $2,361 |
| 5 | Warrensburg | $2,374 |
| 6 | Carthage | $2,381 |
| 7 | Kirksville | $2,382 |
| 8 | Rolla | $2,394 |
| 9 | Ozark | $2,399 |
| 10 | Jackson | $2,407 |
| 11 | Moberly | $2,414 |
| 12 | Hannibal | $2,415 |
| 13 | Republic | $2,442 |
| 14 | Columbia | $2,467 |
| 15 | Fulton | $2,481 |
| 16 | Neosho | $2,487 |
| 17 | Springfield | $2,501 |
| 18 | Farmington | $2,506 |
| 19 | Cape Girardeau | $2,506 |
| 20 | West Plains | $2,509 |
| 21 | Poplar Bluff | $2,510 |
| 22 | Troy | $2,528 |
| 23 | O Fallon | $2,532 |
| 24 | Raymore | $2,533 |
| 25 | Lake St. Louis | $2,534 |
| 26 | St. Charles | $2,544 |
| 27 | Blue Springs | $2,558 |
| 28 | Grain Valley | $2,561 |
| 29 | Belton | $2,565 |
| 30 | Dardenne Prairie | $2,565 |
| 31 | Liberty | $2,574 |
| 32 | St. Joseph | $2,578 |
| 33 | Lee's Summit | $2,599 |
| 34 | Washington | $2,612 |
| 35 | Gladstone | $2,639 |
| 36 | Manchester | $2,708 |
| 37 | Ballwin | $2,746 |
| 38 | Independence | $2,772 |
| 39 | Crestwood | $2,791 |
| 40 | Wildwood | $2,796 |
| 41 | Chesterfield | $2,802 |
| 42 | Grandview | $2,835 |
| 43 | Maryland Heights | $2,839 |
| 44 | Arnold | $2,852 |
| 45 | Kansas City | $2,933 |
| 46 | Clayton | $2,999 |
| 47 | University City | $3,033 |
| 48 | Hazelwood | $3,127 |
| 49 | Florissant | $3,160 |
| 50 | St. 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.
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.