Cheapest Car Insurance in Missouri

Missouri’s cheapest full coverage car insurance comes from Auto-Owners at $79 per month, totaling $947 per year and sitting 37% below the state average. Travelers is close behind at $80 monthly or $957 yearly, leaving just a $10 gap between the two. GEICO follows at $93 per month, Farm Bureau at $97 and Progressive rounds out the top five at $102.

The close pricing among Missouri’s leading providers gives drivers several affordable choices. Even the difference between Auto-Owners in first place and Progressive in fifth comes out to only $276 per year, though the gap becomes larger when compared with higher-priced insurers.

Missouri drivers looking for the lowest liability-only rates will find the cheapest option with Auto-Owners at $402 per year, which comes out to $34 monthly and sits 48% below the state average. 

Farm Bureau follows closely at $35 per month. Travelers is $40 for state-required coverage. GEICO comes in at $42 monthly and Shelter is $47. Auto-Owners is the best value among these providers.

Drivers keeping a close eye on monthly expenses may also want to explore minimum coverage rates alongside low-cost car insurance options for drivers with low income in Missouri.

Auto-Owners leads Missouri's city-by-city pricing with the lowest minimum coverage rates in 16 of the state's 18 largest cities. Springfield and St. Louis are the exceptions. St. Louis drivers pay $51 per month for minimum coverage while Jefferson City residents pay $29. The $264 annual difference shows how much rates vary across the state.

Urban areas pay higher premiums than rural communities. The $22 monthly gap between the state's cheapest and most expensive cities is Kansas City at $39 per month compared to Jefferson City at $29.

Farm Bureau charges teen drivers in Missouri the least at 16 and 17, at $178 per month. At 18, Travelers takes over at $158 per month and holds that position at ages 19 and 20, dropping to $120 and then $100. By 25, young adult drivers pay $50 per month with GEICO.

No single insurer stays cheapest as drivers age. Each rate drop reflects fewer accidents and more years behind the wheel. Insurers reprice as the risk profile changes.

Note: Teens under 18 usually need a parent or guardian to cosign before they can buy auto insurance.

Missouri’s senior drivers get the lowest rates from American Family at age 65, with $84 per month for both coverage levels. For 70-year-olds, Travelers provides the most affordable pricing at $57 monthly for minimum coverage and $106 for full protection. 

An 80-year-old pays $53 per month for liability-only and $135 for full coverage with Farm Bureau (the lowest rates in the state for seniors). Both figures run 37% to 48% below Missouri's state average, a gap that reflects decades of driving history.

If you’re a Missouri driver with a DUI, Farm Bureau has the lowest minimum coverage rate at $47 monthly. Travelers becomes the most affordable option for full coverage at $112 compared to Farm Bureau at $123. Progressive follows at $126, Shelter costs $142 and Kemper is $164 for comprehensive protection after DUI convictions.

Travelers charges $112 per month for full coverage. Kemper charges $164. That $52 gap adds up to $624 per year, a lot of money for high-risk drivers in Missouri who are working to rebuild their profile. Compare before you commit.

Auto-Owners offers the lowest SR-22 rate in Missouri at $66 per month for minimum coverage, with Travelers close behind at $69. For full coverage, the advantage shifts to Travelers at $138 monthly compared to Auto-Owners at $153. GEICO also charges $69 for minimum coverage but increases to $153 for full protection.

The SR-22 filing itself costs $15 to $50 and is submitted by your insurer to Missouri’s Department of Revenue. SR-22 requirements usually last three years for serious violations, and keeping continuous coverage during this period is essential to avoid another license suspension.

For a deeper look at high-risk coverage options and providers, see our full guide to SR-22 insurance in Missouri.

Drivers looking for the cheapest non-owner car insurance in Missouri will find the lowest rate from State Farm at $96 per month, which is about 36% below the state average. Travelers follows at $100 monthly and Nationwide costs $110 for the same type of coverage. These policies cost less than standard auto insurance because they provide liability protection only and are not tied to a specific vehicle.

Non-owner insurance can help with license reinstatement after a suspension, SR-22 filing requirements or frequent car rentals. The $14 monthly difference between State Farm and Nationwide adds up to $168 per year, which still matters if you only need temporary coverage.

A recent at-fault accident doesn't lock you into high rates. Farm Bureau charges $51 per month for minimum coverage, about 35% below the state average. Travelers runs $52 for minimum limits but flips cheaper on full coverage at $105 per month. Farm Bureau's full coverage rate is $131.

Premiums usually rise 20% to 40% after an at-fault accident and stay higher for three to five years while the incident remains on your record. Your exact increase depends on the severity of the accident, your previous driving history, and how your insurer evaluates risk after collisions.

For Missouri drivers dealing with a speeding violation, Farm Bureau offers the most affordable minimum coverage at $37 per month. Travelers follows at $49 monthly, Auto-Owners charges $51 and GEICO is $53 for similar minimum limits. For full coverage, both Travelers and Farm Bureau are tied at $101 per month, while Shelter costs $122 after a speeding violation.

A single speeding ticket can raise your rates by 10% to 30%, depending on your speed and location. Most insurers remove these surcharges after three years of clean driving, giving drivers a chance to lower their premiums again.

Kemper offers the lowest minimum coverage for Missouri drivers with bad credit at $822 per year, which comes out to $68 monthly. GEICO follows at $77 per month, Farm Bureau charges $78, Shelter costs $83 and Auto-Owners is $89 for the same coverage limits.

For full coverage with poor credit, Kemper leads again at $156 monthly. That creates $17 in monthly savings and $204 in yearly savings compared to Auto-Owners at $175 per month. Missouri allows insurers to consider credit scores when setting rates, so improving your credit can help lower premiums over time.

Car insurance rates in Missouri vary based on your location, driving record, age and credit score. Auto-Owners has the cheapest full coverage at $79 per month, and minimum coverage starts at $34 monthly. Comparing insurers and using available discounts can help Missouri drivers save a huge amount each year.

Many Missouri drivers have similar questions when shopping for budget-friendly coverage. Our expert team breaks them down here to help you feel more prepared.

Our Research Approach

Missouri's car insurance market varies across the state. Rates differ between St. Louis, Kansas City and rural communities, and your location affects premiums more than most drivers realize. We designed this research to identify which insurers offer the lowest rates across Missouri's diverse markets and help you find coverage that fits your specific situation.

We collected auto insurance data from the Missouri Department of Insurance and Quadrant Information Services, analyzing quotes from 12 major insurers and reviewing more than 200 million rate comparisons across every residential ZIP code in Missouri.

Sample Driver Profile

Our baseline rates use a 40-year-old driver with good credit and a clean driving record. This profile represents typical Missouri drivers without violations or poor credit that increase premiums. You'll see base rates here. Your personal quote will adjust based on your specific driving history, credit and location.

Coverage Levels We Compared

We analyzed two coverage scenarios:

Minimum coverage: Missouri's required liability limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $25,000 per accident for property damage (25/50/25). This meets legal requirements but often falls short in serious accidents.

Full coverage: Liability limits of $100,000/$300,000/$100,000 plus comprehensive and collision coverage with a $1,000 deductible. You're covered for damage you cause to others and repairs to your own vehicle.

Location Affects Your Rate

Missouri rates vary a lot by city. Your neighbor one county over might pay considerably less for the same coverage. Our ZIP code analysis shows where drivers overpay because of geography.

For more information, see the detailed methodology here.