The Best Car Insurance in Missouri for 2022

MoneyGeek identified the best insurance companies by ranking them based on how they balance customer satisfaction, financial stability and affordability. Based on MoneyGeek’s scoring system, Allstate is the best car insurance company in Missouri. It has the highest affordability score and is tied for first for customer satisfaction and claims. However, Auto-Owners may be the best option for customer support, while State Farm offers the cheapest policies.

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Last Updated: 11/2/2022
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The Best Car Insurance in Missouri

For people who want the cheapest car insurance policy in Missouri without considering service quality, MoneyGeek’s research also includes this information.

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Methodology

Why Trust MoneyGeek? Our scoring system for car insurance in Missouri incorporates thousands of quotes analyzed by our data scientists, as well as customer service and financial strength ratings from industry-leading market research firms. Click to learn more about how our scores are calculated out of 100.

1,344

Quotes Analyzed

 
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Companies Compared

 
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ZIP Codes

Best Full Coverage Car Insurance Companies in Missouri: Overall

Allstate is the best overall car insurance company in Missouri. MoneyGeek ranked the best car insurance companies in Missouri based on average premiums, financial stability, claim ratings and customer satisfaction.

Overall, the state's two best car insurance companies are:

  • Allstate: MoneyGeek score of 80 out of 100 ($893 per year)
  • State Farm: MoneyGeek score of 75 out of 100 ($906 per year)

USAA earned a perfect MoneyGeek score in all categories, making it Missouri's best auto insurance provider. However, this ranking excludes the company because its insurance policies are only for active military personnel and veterans. MoneyGeek also found the cheapest full coverage car insurance in Missouri to help those who want to maximize their savings.

THE TOP CAR INSURANCE COMPANIES IN MISSOURI

1
AllstateBest Overall
Score:80

3.3/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Allstate ranks the highest for affordability and is tied for first for claims and customer satisfaction. Allstate offers custom parts coverage.

Average Annual Cost: $893

More About Allstate

Custom parts coverage and portable electronics and media coverage are two Allstate coverages that are rarely offered by other companies. These are add-on coverages, which means they are not automatically included in your policy. Custom parts coverage is the most useful for drivers with custom equipment, like special carpeting, custom murals, decals and graphics. When you experience a comprehensive loss that affects these items, custom parts coverage helps reimburse the cost. Portable electronics and media coverage insures your car's audio components, such as tapes and CDs, whether they’re yours or a resident relative’s. You need to have comprehensive coverage for the portable electronics and media coverage to apply.

2
State Farm
Score:75

3.2/5

Affordability

4/5

Claims

4/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

State Farm is tied for first for claims and ranked second for affordability and customer satisfaction. State Farm offers rideshare insurance in Missouri.

Average Annual Cost: $906

More About State Farm

Most companies don’t offer rideshare insurance, which gives extra protection to policyholders who work for ridesharing companies. If you’re working for a company like Uber or Lyft, you can be protected by rideshare insurance. Your medical treatment, coverage for unexpected roadside assistance and reimbursement for rental cars are extended while you’re driving for a ridesharing company. Your deductible will also apply as long as you have this coverage. Simply put, your car insurance policy is in effect while your ridesharing app is on and you’re for hire. As you are transporting your passengers to their destinations, the benefits of your policy are applicable, except for your liability insurance.

3
American Family
Score:69

2.5/5

Affordability

3.5/5

Claims

4/5

User Satisfaction

4.5/5

Financial Stability

Geek Quick Take
Geek Quick Take

The average annual cost of an insurance policy in Missouri from American Family is $1,061. The company is ranked third for affordability, second for claims and tied for second for customer satisfaction. It offers original equipment manufacturer (OEM) coverage.

More About American Family

American Family’s OEM coverage is not included automatically in an auto policy; it’s an additional coverage a customer can purchase. OEM coverage ensures that aftermarket parts are not used in your car when repaired. Insurance providers in Missouri rarely offer OEM.

4
GEICO
Score:64

0.5/5

Affordability

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

Offering an auto insurance policy for $1,541 on average, GEICO is tied for first for claims and customer satisfaction but has a low score for affordability. GEICO offers accident forgiveness.

More About GEICO

It’s possible to purchase or earn (if you’re over 21 and accident-free for the previous five years) GEICO’s accident forgiveness coverage. With this coverage, your insurance rates won’t go up after your first at-fault accident.

5
Farmers
Score:63

1.6/5

Affordability

4/5

Claims

3.5/5

User Satisfaction

4/5

Financial Stability

Geek Quick Take
Geek Quick Take

With an average annual cost of $1,266, Farmers is tied for first for claims, ranked third for customer satisfaction and has the fourth-highest affordability score. Farmers offers glass deductible modification.

More About Farmers

Farmers lets you reduce the comprehensive deductible to $100 when the loss solely involves glass. However, it doesn’t apply if the deductible is already $100. It is an add-on feature that will increase your auto policy premium.

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HOW WE DETERMINED THE BEST INSURANCE IN MISSOURI

MoneyGeek collected full coverage policy quotes for a sample driver across many locations in Missouri and also collected claims ratings and user satisfaction data from J.D. Power and the NAIC to determine the best full coverage car insurance in Missouri. What you pay for car insurance in the state may vary depending on your needs and driving record. You can read MoneyGeek’s methodology for more information.

MoneyGeek's Missouri Car Insurance Resources:

Best Car Insurance in Missouri for Customer Service

For customer service, Auto-Owners Insurance Co is the best car insurance provider in Missouri.

Based on MoneyGeek’s scoring system, the top auto insurance companies in Missouri for customer service are:

  • Auto-Owners Insurance Co.: MoneyGeek score of 96 out of 100
  • GEICO: MoneyGeek score of 87 out of 100

Without considering costs, MoneyGeek ranked the best car insurance providers in Missouri based on customer service and claims ratings.

THE TOP TWO CAR INSURANCE COMPANIES IN MISSOURI FOR SERVICE QUALITY

1
Auto-Owners Insurance CoBest for Customer Service
Score:NaN

Claims

User Satisfaction

Financial Stability

Geek Quick Take
Geek Quick Take

Auto-Owners has a claims rating of 4.5 out of 5 and a customer satisfaction rating of 5 out of 5.

More About Auto-Owners Insurance Co

Choosing a company with good customer service helps alleviate your stress when filing a claim. Therefore, it’s best to pick an insurer that has outstanding customer claims and satisfaction ratings. One unique coverage of Auto-Owners is its diminished value coverage. An accident can decrease the value of your car, even after repairs. This coverage reimburses you for the amount that has been lost in the value of your car. This company also offers new car replacement and gap insurance. New car replacement coverage gives you a new version of the same make and model in the event of a total loss. Gap insurance covers the difference between the current value of your vehicle and your outstanding balance for your car lease or loan. This helps you pay off your expenses and liabilities in the event of an accident.

2
GEICO
Score:87

4/5

Claims

4.5/5

User Satisfaction

5/5

Financial Stability

Geek Quick Take
Geek Quick Take

GEICO has a MoneyGeek user satisfaction rating of 4.5 out of 5, and a claims rating of 4 out of 5.

More About GEICO

Mechanical breakdown insurance (MBI) is coverage offered by GEICO to drivers with new or leased vehicles with fewer than 15,000 miles. MBI is not typically offered by other companies. Since it’s an add-on, your policy does not come with it by default. It covers all car components and systems, including those that are not covered by dealer warranties. Accident forgiveness can also be added to your GEICO policy. With the help of this coverage, the price of your car insurance policy will remain the same even after your first at-fault accident. If you’re over 21 years old and have been a safe driver for at least five years, this coverage will be added to your policy for free.

Best Car Insurance in Missouri for Minimum Coverage

State Farm is Missouri's best auto insurance company for consumers on a budget.

The following are the most affordable auto insurance companies in Missouri:

  • State Farm: MoneyGeek score of 77 out of 100 ($438 per year)
  • Allstate: MoneyGeek score of 76 out of 100 ($569 per year)

MoneyGeek can help you find the best option to stay on budget if you only want an auto policy in Missouri with the state's minimum required coverage. These companies strike a good mix between client service and affordability. We also found the cheapest minimum coverage car insurance in Missouri for those who prioritize affordability.

MoneyGeek’s Pick: State Farm

State Farm

pros

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An affordable minimum coverage policy averaging $438 per year

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Offers bundling and safe driving discounts

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Offers a discount for installing an anti-theft system

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MoneyGeek claims and user satisfaction ratings of 4 out of 5

cons

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Does not offer discounts for paperless billing or paying in full

COMPANY HIGHLIGHTS

With State Farm, you can save money on car insurance premiums in Missouri by bundling your auto policy with a condo, renters, home or life insurance policy. You also get discounts for driving safely or insuring more than one vehicle with the company.

Other less common discounts offered by State Farm are new vehicle and defensive driving discounts. Under the new vehicle discount, policyholders with vehicles manufactured in 1994 or later can have a discount on their medical payments coverage. Another way to earn a discount is by completing a defensive driving course.

These discounts are highly beneficial, especially if you’re on a budget. By taking advantage of these discounts, you won’t have to pay expensive car insurance premiums.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Missouri for Young Drivers and Students

MoneyGeek analyzed car insurance premiums for drivers in their late teens or early 20s who are in high school or college. For young drivers and students in Missouri, Allstate is the best insurer.

Here are the top car insurance companies for young drivers in Missouri:

  • Allstate: MoneyGeek score of 90 out of 100 ($1,312 per year)
  • GEICO: MoneyGeek score of 89 out of 100 ($1,449 per year)

MoneyGeek compared the best car insurance companies for young drivers and students in Missouri based on price and customer service quality. To help you find the most affordable option, we found the cheapest car insurance in Missouri for young drivers and students.

MoneyGeek’s Pick: Allstate

Allstate

pros

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Affordable auto policy for adding a young driver at $1,312 per year

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Offers good student, distant student and driver’s education discounts

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Customer satisfaction rating of 4.5 out of 5

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Claims rating of 4 out of 5

cons

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Does not offer multiple car discount

COMPANY HIGHLIGHTS

While adding young drivers to an auto insurance policy in Missouri is expensive, Allstate maintains great customer service at a relatively reasonable price. Filing a claim can be stressful, especially for inexperienced drivers. That’s why having good customer service is important when choosing an auto insurance company.

With Allstate, young drivers can get distant student, driver’s education and good student discounts. Full-time students with good academic records get a discount. They can also take the teenSMART driver education program for a discount. The distant student discount also applies if the driver under the policy goes to school and lives more than 100 miles away from home without a car.

Read MoneyGeek's Allstate Auto Insurance Review

Best Car Insurance in Missouri for Seniors

Various insurance companies in Missouri were ranked by MoneyGeek based on their rates and customer service ratings for older adults. According to our research, the following insurers in Missouri offer the best senior auto insurance:

  • Allstate: MoneyGeek score of 90 out of 100 ($856 per year)
  • State Farm: MoneyGeek score of 85 out of 100 ($873 per year)

These MoneyGeek scores were calculated using a combination of affordability and customer service. For individuals who prefer to emphasize savings over quality, we also identified the cheapest car insurance for seniors in Missouri.

MoneyGeek’s Pick: Allstate

Allstate

pros

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One of the most affordable companies for seniors at $856 per year

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Offers roadside assistance and new car replacement coverages

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Gives discounts to senior drivers

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MoneyGeek claims rating of 4 out of 5

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MoneyGeek user satisfaction rating of 5 out of 5

cons

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Does not have a defensive driving discount

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Does not have a multiple car discount

COMPANY HIGHLIGHTS

Insurance rates are often more expensive for seniors than for middle-aged adults. Nonetheless, Allstate offers car insurance policies that balance affordable rates with good customer service. This company received above-average ratings for claims and customer satisfaction — all while having the cheapest rates for seniors in Missouri.

Allstate offers roadside and transportation expense coverages. Roadside coverage reimburses the policyholder for towing, jumpstarts, flat tires and gas. Additionally, transportation expense coverage gives the policyholder a certain daily amount to cover the costs of car rentals in case of a covered collision or comprehensive loss.

These coverages can benefit seniors since they provide help in case of emergencies, whether it’s a simple roadside breakdown or a comprehensive loss. On top of these coverages, seniors can enjoy a discount on their car insurance premiums.

Read MoneyGeek's Allstate Auto Insurance Review

Best Car Insurance in Missouri for Bad Driving Records

For people with bad driving records in Missouri, Allstate is the best option.

According to the analysis, the best insurance providers for drivers with tickets and accidents in Missouri are:

  • Allstate: MoneyGeek score of 84 out of 100 ($1,066 per year)
  • State Farm: MoneyGeek score of 80 out of 100 ($1,055 per year)

MoneyGeek ranked the best car insurance providers in Missouri for individuals with an at-fault accident based on customer service quality and affordability. We also collected and analyzed data to find the cheapest car insurance in Missouri for those with a DUI or bad record.

MoneyGeek’s Pick: Allstate

Allstate

pros

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An affordable policy after an accident averaging $1,066 per year

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Offers roadside assistance, rental car or travel reimbursement, new car replacement, gap insurance and deductible modification

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Claims rating of 4 out of 5

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User satisfaction rating of 4.5 out of 5

cons

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Does not offer better car replacement

COMPANY HIGHLIGHTS

Allstate has one of the best insurance policies for people with a bad driving record, at an average annual cost of $1,066. It has a MoneyGeek claims rating of 4 out of 5 and a user satisfaction rating of 4.5 out of 5.

Allstate offers the following coverages:

  • Roadside Assistance: It reimburses towing, flat tire repair and other expenses if your car is not functioning on the road.
  • Rental Car or Travel Reimbursement: It pays for rental car costs while your car is being repaired after a covered accident.
  • New Car Replacement: Get a brand new car if your totaled car is two years old or newer.
  • Gap Insurance: This pays the difference between your primary auto insurance settlement and the outstanding balance on your car loan or lease on the date of loss.
  • Deductible Modification: You can get $100 off your deductible by signing up for Allstate Deductible Rewards.
Read MoneyGeek's Allstate Auto Insurance Review

Best Car Insurance in Missouri for a Military Background

MoneyGeek’s data shows that USAA is the best car insurance company in Missouri for military members and veterans. It has a perfect MoneyGeek score of 100. With USAA, a policy that meets Missouri’s minimum auto liability coverage costs an average of $190 per year, and a policy for military members with an at-fault accident on their record costs an average of $649 per year.

MoneyGeek’s Pick: USAA

USAA

pros

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Affordable full coverage policy averaging $485 per year

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Offers rideshare insurance and a defensive driving discount

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MoneyGeek claims and user satisfaction ratings of 5 out of 5

cons

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Only available for military members and their families

COMPANY HIGHLIGHTS

USAA offers the best car insurance in Missouri for people with a military background. It has a positive reputation among its customers, as it has the most affordable rates and the highest service ratings in Missouri.

USAA offers the following coverages and discounts to its customers:

  • Rideshare Insurance: This fills the coverage gap between personal auto and commercial policies for people who work with ridesharing companies.
  • Accident Forgiveness: If you are accident-free for five years, USAA does not assess an auto policy surcharge for your first at-fault accident.
  • Vehicle Storage Discount: You can save up to 60% on insuring a stored car.
  • New Vehicle Discount: You can get a discount if your car is three years old or newer.
Read MoneyGeek's USAA Auto Insurance Review

Best Car Insurance in Missouri for Those With New Cars

Allstate has the highest MoneyGeek rating of 80 out of 100 for Missouri drivers with new cars. The average annual premium for a car insurance policy from Allstate is $893.

If your automobile is damaged within a certain period of time, your new car replacement coverage covers the cost of replacing it with a similar model. You can receive a newer model of your damaged vehicle with better car replacement coverage. It's worth noting that these coverages aren’t included in your ordinary policy, so you'll have to pay extra for them.

MoneyGeek’s Pick: Allstate

Allstate

pros

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Offers an affordable full coverage policy averaging $893 per year

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Offers new car replacement

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User satisfaction rating of 4.5 out of 5

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Claims rating of 4 out of 5

cons

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Does not offer better car replacement

COMPANY HIGHLIGHTS

A vehicle’s value quickly depreciates once it has been driven off the lot. New or better car replacement coverage allows you to replace your totaled car with a similar make and model.

If their car is totaled in a covered accident, Allstate customers can get a brand new car of the same make and model if they have new car replacement coverage on their policy.

Allstate’s new car replacement coverage replaces your car with a new one of the same make and model rather than the depreciated value of your vehicle. It only applies if your car is less than two years old at the time of the accident.

Read MoneyGeek's Allstate Auto Insurance Review

Best Car Insurance in Missouri for Low-Mileage Drivers

In Missouri, Nationwide’s SmartMiles is the best pay-per-mile car insurance program. More insurance providers across the country are expanding the use of pay-per-mile programs, which charge you based on the number of miles you drive.

MoneyGeek’s Pick: Nationwide

Nationwide

pros

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Affordable option for people who don’t drive often

cons

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Not suitable for regular drivers, as it can cost more

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User satisfaction rating of 3.5 out of 5

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Claims rating of 3.5 out of 5

COMPANY HIGHLIGHTS

Nationwide’s pay-per-mile service is called SmartMiles. SmartMiles features a base rate and a variable rate, depending on how many miles you drive. Therefore, your monthly payment fluctuates based on the number of miles you've driven.

The program only records the first 250 miles of the day if you’re on a road trip. Drivers who continue to keep a clean driving record can qualify for a discount of up to 10%.

SmartMiles helps low-mileage drivers save money by only taking into account the specific number of miles that they have been on the road. They do this while also promoting their safety by providing incentives, such as a discount for keeping your record clean. However, you need to be aware of the potential for frequent changes in your rates.

Read MoneyGeek's Nationwide Auto Insurance Review

How to Find the Best Car Insurance in Missouri For You

While shopping for a car insurance policy in Missouri, you should look for a company that balances cost, quality service and financial stability. MoneyGeek has collected this information for you, but you can look at the options yourself.

1

Research customer service reputations in Missouri

MoneyGeek collected car insurance quotes for a sample driver across many locations and collected J.D. Power satisfaction scores and NAIC complaint ratios. You can do the same in Missouri for auto insurers you want to research. The Missouri Department of Insurance is a good resource.

2

Compare quotes for yourself

MoneyGeek’s quotes are averages for sample drivers in most of Missouri but not everywhere in the state. You should always get at least three quotes yourself based on your area and driving record and compare the rates to get a good idea of how much auto insurance costs.

3

Make sure the company has coverages you want in Missouri

Sometimes, insurers advertise certain coverages or discounts, but those features may not be available in every state. Always confirm with insurance companies that they offer the auto policy coverages and discounts in Missouri that best fit your needs.

4

Double-check financial stability ratings

It’s important to check the financial strength rating of an insurer, as financially unstable companies may delay the processing of claims. Usually, large insurance companies are financially stronger; regional insurance companies in Missouri may have lower ratings.

FAQs About the Best Car Insurance in Missouri

The best insurance company in Missouri fits your needs for coverage without breaking the bank. The following frequently asked questions about car insurance costs in the state may help you choose an auto policy provider.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.