Who Has the Cheapest Auto Insurance Quotes in Missouri? (2022)
Who Has the Cheapest Auto Insurance Quotes in Missouri? (2022)
State Farm has the best cheap car insurance in Missouri, at $419 per year and $35 per month for minimum liability quotes.
Find Cheap Auto Insurance Quotes in Missouri
The average cost of car insurance in Missouri is $648 per year, or $54 per month, for a minimum liability policy. Missouri drivers pay an average of $1,859 per year for full coverage car insurance, which is 5% cheaper than the national average car insurance cost.
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 $419 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 rates by far in the state — just $257 per year or $21 per month — but it is only available to drivers who have served in the military and their family members.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $419 | $35 |
| American Family | $576 | $48 |
| Progressive | $648 | $54 |
| Allstate | $712 | $59 |
| Shelter | $792 | $66 |
| AAA | $880 | $73 |
| Geico | $896 | $75 |
| USAA* | $257 | $21 |
*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 $1,859 per year, but State Farm delivers a rate that's nearly 40% cheaper — $1,130 annually or $94 monthly.
American Family — whose rates are $1,583 per year — also offers quotes below the state average.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,130 | $94 |
| American Family | $1,583 | $132 |
| Allstate | $1,926 | $160 |
| Progressive | $1,933 | $161 |
| Shelter | $2,311 | $193 |
| AAA | $2,406 | $201 |
| Geico | $2,803 | $234 |
| USAA* | $780 | $65 |
*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 is the cheapest car insurance option you'll find in Missouri if you have a ticket or accident on your driving record or if you have poor credit.
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 Missouri
Cheapest car insurance for people with a speeding ticket: State Farm
State Farm offers the cheapest rates for Missouri drivers who received a ticket for driving above the speed limit. The average rate for full coverage in Missouri is $2,658 annually or $222 monthly. The cheapest price, at State Farm, is about half that: $1,306 annually or $109 monthly.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,306 | $109 |
| Allstate | $2,584 | $215 |
| American Family | $2,608 | $217 |
| Progressive | $2,759 | $230 |
| Shelter | $2,899 | $242 |
| AAA | $3,655 | $305 |
| Geico | $4,426 | $369 |
| USAA* | $1,028 | $86 |
*USAA is only available to current and former military members and their families.
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
We found that State Farm offers the best rates to Missourians with one at-fault accident on their record. The company's full coverage rate is $660 cheaper than that of the company with the second-cheapest premium, American Family, and 44% cheaper than the state average.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,218 | $101 |
| American Family | $1,878 | $156 |
| Allstate | $2,200 | $183 |
| Progressive | $2,243 | $187 |
| Shelter | $2,311 | $193 |
| AAA | $3,196 | $266 |
| Geico | $3,402 | $283 |
| USAA* | $929 | $77 |
*USAA is only available to current and former military members and their families.
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 quotes for drivers with a DUI: Progressive
Missouri drivers with a DUI will find the cheapest prices at Progressive. Its average rate of $2,055 for full coverage after a DUI is 30% less 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 $1,058 more annually than drivers with a clean record.
Company | Annual rate | Monthly rate |
|---|---|---|
| Progressive | $2,055 | $171 |
| Allstate | $2,538 | $211 |
| State Farm | $2,690 | $224 |
| American Family | $2,702 | $225 |
| Shelter | $3,302 | $275 |
| AAA | $3,595 | $300 |
| Geico | $5,098 | $425 |
| USAA* | $1,356 | $113 |
*USAA is only available to current and former military members and their families.
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 annual premium for Missouri drivers with a low credit score is $3,191 annually for full coverage, State Farm's rate is 40% cheaper, at $1,886 per year or $157 per month.
Your credit score might have nothing to do with your driving ability, but insurers consider your credit score when deciding your rates. Drivers with poor credit tend to file more insurance claims.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,886 | $157 |
| American Family | $2,412 | $201 |
| Progressive | $2,929 | $244 |
| Allstate | $3,000 | $250 |
| Shelter | $3,175 | $265 |
| Geico | $3,909 | $326 |
| AAA | $6,920 | $577 |
| USAA* | $1,297 | $108 |
*USAA is only available to current and former military members and their families.
Cheapest full coverage car insurance for married drivers: State Farm
Insurance companies 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 unmarried counterparts. State Farm has the cheapest car insurance for married drivers, at an average price of $1,130 per year for full coverage.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,130 | $94 |
| Progressive | $1,503 | $125 |
| American Family | $1,583 | $132 |
| Shelter | $1,815 | $151 |
| Allstate | $1,871 | $156 |
| Geico | $2,133 | $178 |
| AAA | $2,406 | $201 |
| USAA* | $696 | $58 |
*USAA is only available to current and former military members and their families.
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. We also recommend getting quotes from Allstate, the second-most affordable option for full or minimum coverage.
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 $4,976 annually, or $3,117 more than what an adult driver pays.
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $1,355 | $3,261 |
| Allstate | $1,727 | $3,597 |
| Shelter | $1,831 | $5,370 |
| Geico | $2,278 | $6,050 |
| American Family | $2,370 | $5,547 |
| Progressive | $2,575 | $6,614 |
| AAA | $2,788 | $7,717 |
| USAA* | $595 | $1,655 |
*USAA is only available to current and former military members and their families.
Cheapest for young drivers with a speeding ticket: State Farm
State Farm offers the best rates to 18-year-olds with a speeding ticket in Missouri, charging $1,502 per year for minimum coverage. That's $329 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. We found that the average rate for an 18-year-old driver in Missouri with a speeding ticket is $2,270 annually, which is $330 more than with a clean record.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,502 | $125 |
| Shelter | $1,831 | $153 |
| Allstate | $2,073 | $173 |
| American Family | $2,649 | $221 |
| Progressive | $2,690 | $224 |
| Geico | $2,697 | $225 |
| AAA | $4,036 | $336 |
| USAA* | $682 | $57 |
*USAA is only available to current and former military members and their families.
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 $1,649 annually, the price tag for minimum coverage is anything but cheap — but compared to the $4,763 charged by AAA, the most expensive insurer after an accident, State Farm's quotes are relatively affordable.
Young drivers who have been in an at-fault accident pay even higher rates — $789 more per year than a teen with a clear record.
Company | Annual rate | Monthly rate |
|---|---|---|
| State Farm | $1,649 | $137 |
| Allstate | $2,322 | $193 |
| Shelter | $2,462 | $205 |
| Progressive | $2,903 | $242 |
| Geico | $3,387 | $282 |
| American Family | $3,644 | $304 |
| AAA | $4,763 | $397 |
| USAA* | $705 | $59 |
*USAA is only available to current and former military members and their families.
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 State Farm and Shelter Insurance — both of which have dependable service and coverage options but are more widely available.
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 897 | A++ | |
| State Farm | 847 | A++ | |
| Shelter | NR | A | |
| AAA | 829 | A | |
| Geico | 845 | A++ | |
| American Family | 839 | A | |
| Progressive | 837 | A+ | |
| Allstate | 826 | A+ |
Average car insurance costs in Missouri by city
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.
We found that insurance quotes for full coverage can vary by more than $1,200 a year depending on what Missouri city you live in. Among the 50 largest Missouri cities, rates are cheapest in Jefferson City, with insurers charging just $1,608 on average, while residents of Bellefontaine Neighbors pay the most, with an average annual rate of $2,816.
City | Average annual premium | Percentage difference from average |
|---|---|---|
| Arnold | $2,049 | 10.2% |
| Ballwin | $1,978 | 6.4% |
| Bellefontaine Neighbors | $2,816 | 51.5% |
| Belton | $1,829 | -1.6% |
| Berkeley | $2,422 | 30.3% |
Minimum requirements for auto insurance in Missouri
Drivers must meet minimum liability coverage limits in Missouri to legally drive on public roads or else 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 $419 annually for minimum coverage, while full coverage costs $1,130 per year.
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 $54 per month, or $648 per year in Missouri. Full coverage quotes average $155 per month, or $1,859 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 there's no standard coverage amount.
Methodology
We collected thousands of quotes from ZIP codes across Missouri for the largest insurers in the state. 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:
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 all for minimum coverage).
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.