bestauto insuranceMissouri2022The Best Car Insurance in Missouri for 2022
The best insurance company balances customer satisfaction, financial stability and affordability. Based on these factors, Allstate is the best car insurance company in Missouri. It has the highest affordability score and is tied first for customer satisfaction and claims.
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Last Updated: 5/13/2022
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MoneyGeek’s research shows that Allstate offers the best auto insurance in Missouri. However, the best option for you might be different, depending on what you need. MoneyGeek broke down different companies by customer service, average cost and many other important factors.
For people who want the cheapest car insurance policy in Missouri without considering service quality, MoneyGeek’s research covers it.
bestauto insuranceMissouri2022The Best Car Insurance in Missouri
Best Overall - Allstate
Best for Customer Service - Auto-Owners Insurance Co
Best on a Budget - State Farm
Best Car Insurance Companies in Missouri: Overall
MoneyGeek scored the best car insurance companies in Missouri based on average rates, stability, claims ratings and customer satisfaction.
According to these factors, the top auto insurance companies in Missouri are:
- Allstate: MoneyGeek score of 4 out of 5
- State Farm: MoneyGeek score of 3.8 out of 5
Since insurance policies by USAA are only for active military and veterans, this analysis does not include the company. However, it has a MoneyGeek score of 5 out of 5 across all categories, making it the best auto insurance in Missouri.
The Top 5 Car Insurance Companies in Missouri
1
Allstate
Score:4
Costing an average of $893 per year for a full coverage auto policy in Missouri, Allstate ranks the highest for affordability and is tied first for claims and customer satisfaction. Allstate offers custom parts coverage.
More About Allstate
Allstate’s custom parts coverage covers any losses to custom equipment like special carpeting, custom murals, decals and graphics. It’s an add-on feature that insurance providers rarely offer.
Read MoneyGeek's Allstate auto Insurance Review2
State Farm
Score:3.8
With an average annual cost of $906, State Farm is ranked second for affordability, tied first for claims and second for customer satisfaction. State Farm offers rideshare insurance in Missouri.
More About State Farm
State Farm’s rideshare insurance extends all coverages (except liability insurance) from a policy while waiting for or transporting a rider and puts into effect the personal policy deductible. Rideshare insurance is an add-on coverage that costs extra to include in an auto policy.
Read MoneyGeek's State Farm auto Insurance Review3
American Family
Score:3.5
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 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.
Read MoneyGeek's American Family auto Insurance Review4
GEICO
Score:3.2
Offering an auto insurance policy for $1,541 on average, GEICO is tied 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.
Read MoneyGeek's GEICO auto Insurance Review5
Farmers
Score:3.1
With an average annual cost of $1,266, Farmers is tied 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 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.
Read MoneyGeek's Farmers auto Insurance ReviewHOW 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:
Compare the Best Insurance Options in Missouri
While looking for the best car insurance company in Missouri, you should consider cost, customer service and financial stability and also if the insurance provider offers coverage that fits your needs. You can compare auto policy costs in Missouri from different companies with MoneyGeek’s guide that utilizes in-depth reviews.
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Best Car Insurance in Missouri for Customer Service
MoneyGeek scored the best car insurance companies in Missouri by customer service and claims ratings without considering rates.
Based on these scores, the top auto insurance companies in Missouri for customer service are:
- Auto-Owners Insurance Co: MoneyGeek score of 4.8 out of 5
- GEICO: MoneyGeek score of 4.3 out of 5
The Top 2 Car Insurance Companies in Missouri for Service Quality
1
Auto-Owners Insurance Co
Score:4.8
Auto-Owners Insurance Co 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
Auto-Owners Insurance Co offers diminished value coverage, which protects your investment after your car is damaged in an accident and provides compensation for a reduction in value. The company also offers the Personal Automobile Plus Package, which has more than 10 additional coverages.
Read MoneyGeek's Auto-Owners Insurance Co auto Insurance Review2
GEICO
Score:4.3
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
GEICO offers rental car or travel cost reimbursement if your car is not driveable for more than 24 hours in case of a covered accident. It also offers roadside assistance if your car breaks down on the road and covers the cost of towing, jump-start and other services.
Read MoneyGeek's GEICO auto Insurance ReviewBest Car Insurance in Missouri for Drivers on a Budget
If you only want an auto policy in Missouri with the state’s minimum required coverage, MoneyGeek can help you find the best option to stay on budget. These companies balance customer service and affordability at a cheap price.
The top auto insurance companies in Missouri for drivers on a budget are:
- State Farm: MoneyGeek score of 3.8 out of 5
- Allstate: MoneyGeek score of 3.7 out of 5
MoneyGeek’s Pick: State Farm
pros
An affordable minimum coverage policy of $438 per year
Offers bundling and a safe driving discount
Offers a discount for installing an anti-theft system in the car
MoneyGeek claims and user satisfaction rating of 4 out of 5
cons
Does not offer a discount on 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, renter, home or life insurance policy. You also get a discount for driving safely and when insuring more than one vehicle with the company.
The company also offers new vehicle and defensive driving course discounts. If your vehicle is from 1994 or later, you can get a discount on medical payments coverage.
Best Car Insurance in Missouri for Poor Driving Records
Based on customer service quality and affordability, MoneyGeek has scored the best car insurance companies in Missouri for people with an at-fault accident on their driving record.
The analysis finds the best insurance providers in Missouri for people with bad driving records are:
- Allstate: MoneyGeek score of 4.2 out of 5
- State Farm: MoneyGeek score of 4 out of 5
MoneyGeek’s Pick: Allstate
pros
An affordable policy after an accident of $1,066 on average per year
Offers roadside assistance, rental car or travel reimbursement, new car replacement, gap insurance and deductible modification
Claims rating of 4 out of 5
User satisfaction rating of 4.5 out of 5
cons
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 provides reimbursement for towing and labor charges, flat tire repair, and more if your car is not functioning on the road.
- Rental car or travel reimbursement: This coverage 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 owed on your car loan on the date of loss.
- Deductible modification: You can get $100 off your deductible by signing up for Allstate Deductible Rewards.
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 MoneyGeek score of 5 out of 5. 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
pros
Affordable policy for bad drivers at $649 per year
Offers rideshare insurance and a defensive driving discount
MoneyGeek claims and user satisfaction rating of 5 out of 5
cons
Only available for military members and their families or veterans
COMPANY HIGHLIGHTS
USAA offers the best car insurance in Missouri for people with a military background. It has a positive reputation among its customers.
USAA offers the following coverages and discounts to its customers:
- Rideshare insurance: This coverage fills the coverage gap between the personal auto policy and commercial policy 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.
Best Car Insurance in Missouri for Young Drivers and Students
For students and young drivers, MoneyGeek analyzed the top car insurance companies in Missouri. The ranks for these companies consider cost and the quality of customer service.
Based on these factors, young drivers and students in Missouri get the best car insurance prices from:
- Allstate: MoneyGeek score of 4.5 out of 5
- GEICO: MoneyGeek score of 4.5 out of 5
MoneyGeek’s Pick: Allstate
pros
Affordable auto policy for adding a young driver at $1,312 per year
Offers good student, distant student and a driver’s education course discount
Customer satisfaction rating of 4.5 out of 5
Claims rating of 4 out of 5
cons
Does not offer multiple car discount
COMPANY HIGHLIGHTS
While adding young drivers to a full coverage policy in Missouri is pretty expensive, Allstate does it while maintaining great customer service at a lower price. Filing a claim can be stressful; that’s why having good customer service is important when choosing an auto insurance company.
With Allstate, full-time students with a good academic record get a discount. They can also take the teenSMART driver education program for a discount and, if they live more than 100 miles away from home without a car, a discount applies.
Best Car Insurance in Missouri for Those With New Cars
To find the best auto insurance in Missouri for people with new cars, MoneyGeek scored the best car insurance companies that offer new car replacement or better car replacement coverage.
With new car replacement coverage, you can get a brand new car if your car is completely damaged in an accident within the first two years. You get the full reimbursement, not the depreciated value of the car. If a company offers better car replacement, it replaces your totaled car with a newer model. Both are usually an add-on coverage that you have to pay more for to include in your policy.
For drivers with new cars, Allstate is the top insurance company in Missouri, with a MoneyGeek score of 4 out of 5.
MoneyGeek’s Pick: Allstate
pros
Offers an affordable full-coverage policy at $893 per year
Offers new car replacement
User satisfaction rating of 4.5 out of 5
Claims rating of 4 out of 5
cons
Does not offer better car replacement
COMPANY HIGHLIGHTS
Allstate is a great fit for young drivers because, if they’re unlucky enough to get into an accident, they get a brand new car of the same make and model if they have new car replacement coverage on their policy.
Allstate offers to replace the car with a brand new one of the same make and model if the car is two years old or less at the time of the accident.
Best Car Insurance in Missouri for Low-Mileage Drivers
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. In Missouri, Nationwide SmartMiles® is the best pay-per-mile car insurance coverage program, while several other providers offer cheap low-mileage insurance.
MoneyGeek’s Pick: Nationwide
pros
Affordable option for people who don’t drive much
cons
Not suitable for regular drivers, as it would cost more
User satisfaction rating of 3.5 out of 5
Claims rating of 3.5 out of 5
COMPANY HIGHLIGHTS
Nationwide’s SmartMiles program includes a base rate and a variable rate, depending on how many miles you drive. You can get up to a 10% discount for safe driving, and only the first 250 miles count while you are on a road trip.
How to Find the Best Car Insurance in Missouri in 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 completely fits your needs and requirements for coverage. The following frequently asked questions about car insurance costs in the state may help you choose an auto policy provider:
Methodology
The information on car insurance costs in Missouri was collected in collaboration with Quadrant Information Services. These costs are for the driver and policy described on MoneyGeek’s methodology page unless noted otherwise.
MoneyGeek calculated scores for customer satisfaction, claims satisfaction and financial strength from industry-leading evaluations by J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC). The information on coverages and discounts from insurance companies were collected by MoneyGeek from insurer websites or quote tools.
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