Best Car Insurance in Missouri

Auto-Owners ranks as the best overall car insurance provider in Missouri. The company offers the most competitive rates for adult drivers at $56 monthly, low income drivers at $94 monthly, and drivers with older vehicles at $42 monthly. Auto-Owners provides comprehensive coverage options, including pet injury protection, gap insurance, custom parts coverage, and roadside assistance. Their Personal Automobile Plus Package includes over 10 coverage enhancements like trip interruption and cell phone coverage. With a coverage score of 3.6 out of 5.0, the company delivers solid protection options tailored to Missouri's weather risks and higher-than-average auto theft rates.

Auto-Owners achieves a perfect 5.0 out of 5.0 customer experience score, ranking first in Missouri. The company maintains local agencies throughout the state for personalized service and offers 24/7 emergency support. Customers praise the speed and efficiency of claims processing, though some note the mobile app could be more user-friendly. The local presence helps handle Missouri-specific claims from severe weather events like tornadoes and hail storms.

Read our review: Auto-Owners Car Insurance Review

Travelers ranks second overall among Missouri insurers with strong performance across coverage, affordability and customer service. The company offers competitive rates for young drivers at $134 per month, senior drivers at $81 per month, and drivers with violations, including accidents ($78/month), DUI ($83/month), and speeding tickets ($75/month). Travelers review shows an affordability score of 5.0 out of 5, indicating the company is strong in this category.

Travelers provides comprehensive coverage options beyond standard liability, collision and comprehensive insurance. The company offers specialized protection including pet injury coverage up to $500, custom parts and equipment coverage, and loan/lease gap coverage. Additional features include 24/7 roadside assistance, new car replacement within five years of purchase, and the IntelliDrive program offering up to 20% discounts for safe driving habits. With a coverage score of 4.1 out of 5, Travelers demonstrates strong coverage options for Missouri drivers.

Customer experience ranks strong at 4.8 out of 5, with efficient claims processing and a user-friendly mobile app for filing claims and managing policies. The company maintains 24/7 customer support and handles Missouri-specific claims like tornado and flood damage effectively. Average premiums of $61 monthly or $728 annually make Travelers competitive for drivers seeking reliable coverage with responsive service.

Read our review: Travelers Car Insurance Review

Kemper car insurance serves as the best cheap option for drivers with bad credit or low income in Missouri. The company specializes in providing coverage for high-risk drivers who may struggle to find affordable policies elsewhere. Kemper offers SR-22 filings and non-standard insurance products, making it accessible for drivers with less-than-perfect records.

Kemper provides comprehensive coverage options to Missouri drivers, including standard liability, collision, and comprehensive protection. The company also offers specialized coverage such as pet injury protection, custom parts and equipment coverage, gap insurance, roadside assistance, and rental car reimbursement. With a coverage score of 4.1 out of 5, indicating strong performance, Kemper allows drivers to tailor policies to meet Missouri's specific risks, including storm damage and weather-related claims.

The company delivers solid customer service with a score of 4.8 out of 5 in several categories, indicating strong performance. Kemper provides 24-hour claims service and employs Catastrophe Claims Representatives to handle large-scale weather events common in Missouri. The company maintains a local presence with agents and adjusters throughout the state, though it lacks a dedicated mobile app for policy management.

Read our review: Kemper Car Insurance Review