Auto-Owners leads Missouri car insurance companies with a MoneyGeek score of 4.86 out of 5, excelling in both affordability and customer service. Since the right insurance provider varies based on your specific needs, we also recommend considering Travelers, Progressive, GEICO and Farm Bureau.
Best Car Insurance in Missouri
Updated: August 27, 2025
Advertising & Editorial Disclosure
Key Takeaways
Auto-Owners is Missouri's best overall car insurance provider, earning the highest MoneyGeek score of 4.86 out of 5 for its exceptional affordability and customer service reputation.
Travelers offers the best car insurance in Missouri for drivers with violations, leading in seven out of ten driver categories, while Auto-Owners provides the most affordable coverage for low-income drivers.
To get the best car insurance in Missouri, decide on coverage beforehand, research costs and providers, and compare plenty of quotes.
Best Car Insurance Companies in Missouri
| Auto-Owners | 4.86 | $58 | 1 | 6 |
| Travelers | 4.82 | $61 | 2 | 5 |
| Progressive | 4.62 | $82 | 3 | 2 |
| GEICO | 4.60 | $63 | 6 | 7 |
| Farm Bureau | 4.55 | $69 | 4 | 8 |
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Missouri by Driver Profile
Travelers leads in seven out of ten driver categories in Missouri, including young drivers, seniors and those with driving violations. Auto-Owners tops the remaining categories: adult drivers, low-income drivers and those with older vehicles.
| Young Drivers | Travelers | 1 | 2 | 5 |
| Adult Drivers | Auto-Owners | 1 | 1 | 6 |
| Senior Drivers | Travelers | 2 | 2 | 5 |
| Drivers With an Accident | Travelers | 1 | 2 | 5 |
| Drivers With a DUI | Travelers | 1 | 2 | 5 |
| Drivers With a Speeding Ticket | Travelers | 2 | 2 | 5 |
| Drivers With Bad Credit | Travelers | 5 | 2 | 5 |
| Drivers With Low Income | Auto-Owners | 1 | 1 | 6 |
| Drivers With Newer Cars | Travelers | 1 | 2 | 4 |
| Drivers With Old Cars | Auto-Owners | 1 | 1 | 5 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Missouri Car Insurance Recommendations
Our general recommendations might not perfectly match your needs. Compare these top five insurance providers to find coverage that fits your specific situation and profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | 4.74 | $231 | 2 | 5 |
| Farmers | 4.67 | $228 | 9 | 1 |
| Progressive | 4.62 | $272 | 3 | 2 |
| Shelter Insurance | 4.55 | $254 | 9 | 3 |
| Farm Bureau | 4.50 | $245 | 4 | 8 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Missouri Car Insurance Reviews
See detailed service breakdowns for our top-rated insurance companies below.
Auto-Owners
Best Cheap Overall in Missouri
MoneyGeek Rating
4.9/ of 5
5/5Affordability
5/5Customer Experience
3.6/5Coverage Options
Average Monthly Full Coverage Cost
$81For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$34For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
Travelers
Best Customer Experience in Missouri
MoneyGeek Rating
4.8/ of 5
5/5Affordability
4.8/5Customer Experience
4.1/5Coverage Options
Average Monthly Full Coverage Cost
$81For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$40For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
How to Find the Best Car Insurance in Missouri
Finding the best car insurance for you in Missouri can be difficult, so we've made the following guide to assist you in finding the right fit.
- 1
Decide on coverage needs before you buy
Understand what coverage you need. Consider your driving patterns, vehicle value and financial situation when selecting auto insurance coverage while ensuring you meet Missouri required minimums.
- 2
Research average costs and discounts you may qualify for
Start by reviewing average car insurance costs in Missouri to understand typical pricing for your situation. Look into money-saving opportunities through home and auto insurance bundles, safe driving programs and good student discounts. Taking a defensive driving program can provide additional savings on your premium.
- 3
Look through provider customer experiences and coverage options thoroughly
Review insurers coverage options and add-ons to ensure they offer the protection features that match your needs.
- 4
Consider non-standard coverage options
Explore specialized options like non-owner car insurance and pay-per-mile policies if they better suit your situation. Remember that requirements change if you need an SR-22 in Missouri.
- 5
Compare plenty of quotes through multiple means
Shop around to find the cheapest option possible by getting quotes from several insurers.
- 6
Reassess annually
Insurance rates change frequently due to various factors including inflation and market conditions. Review your coverage and shop for new quotes each year to ensure you maintain the best combination of coverage and cost.
Best Missouri Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Auto-Owners is the top-rated company overall, while Travelers and Progressive are also good options for drivers in Missouri.
Best Auto Insurance in Missouri: FAQ
Finding the right car insurance depends on your unique needs, so we've gathered expert answers to help you choose coverage that fits your situation.
What is the best car insurance company in Missouri?
Auto-Owners is the best car insurance company in Missouri, with an average monthly premium of $81 for full coverage.
What is the best car insurance company for minimum coverage in Missouri?
Auto-Owners leads for minimum coverage in Missouri with an average rate of $414 per year.
What is the best car insurance in Missouri for young drivers?
Travelers provides excellent insurance coverage for young adults in Missouri, combining competitive rates starting at $87 per month with strong customer service ratings.
What is the best car insurance for Missouri drivers who value customer service?
Auto-Owners leads Missouri customer service with a 5 out of 5 rating. The company excels across the board with streamlined purchasing, responsive agents, user-friendly policy tools and efficient claims handling.
What is the best car insurance in Missouri if you have driving offenses?
Travelers is the leading insurance provider for Missouri drivers with violations, offering monthly rates of $49 for minimum coverage and $101 for full coverage policies.
How We Rated the Best Car Insurance in Missouri
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Missouri. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Missouri. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Missouri-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.