BestCar InsuranceMissouriBest Car Insurance in Missouri (May 2023)
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The best provider for a full coverage policy is Nationwide. Seniors can also get the best policy from this provider. Young adults can get a solid policy from American Family. USAA is ideal for drivers with a military background, while State Farm is a great option for minimum coverage and drivers with offenses. Shelter offers excellent customer service, Travelers is best for drivers with new vehicles.
If your priority is cost over other factors, we also found the cheapest car insurance in Missouri.
BestCar InsuranceMissouriBest Car Insurance in Missouri
Best Overall - Nationwide
Best for Service - Shelter
Best for Minimum Coverage - State Farm
Best for Young Adults - American Family Insurance
Best for Seniors - Nationwide
Best for Driving Offenses - State Farm
Best for New Cars - Travelers
Best for Military - USAA
Best Overall for Car Insurance in Missouri
Nationwide is the best car insurance provider overall. The top options for a full coverage policy in Missouri are:
- Nationwide: MoneyGeek score of 89 out of 100 ($922 per year)
- American Family: MoneyGeek score of 88 out of 100 ($1,005 per year)
Nationwide is our overall winner because it has the cheapest annual premium and matches customer service with its coverage options. Drivers looking to save on their premiums can browse the cheapest full coverage car insurance policies in Missouri.
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American Family InsuranceBest Overall
Score:NaN
In Missouri, American Family is the third-cheapest option, offering an average annual premium of $1,005. Its varied coverage options also earned it our top spot. With this insurer, policyholders can obtain unique coverages like Original Equipment Manufacturer (OEM) coverage, gap insurance and accident forgiveness.
More About American Family Insurance
American Family offers key add-on options applicable to most drivers for a relatively cheap rate. Unlike other insurance companies, American Family offers OEM coverage, which covers the cost of replacing damaged parts with OEM parts. Accident forgiveness is another coverage that almost all drivers can secure. It ensures that the cost of your premium won’t increase after your first at-fault accident. Gap insurance is another solid add-on option because it pays the difference between how much you owe on your vehicle and the cost of a brand-new replacement.
You can count on American Family for stellar customer service. In 2022, J.D. Power ranked American Family as the second-best insurer for customer service.
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Nationwide
Score:89
Nationwide is our top pick because it received excellent customer satisfaction and affordability ratings, providing auto insurance coverage at $922 per year. This company provides unique coverage options such as total loss deductible waiver and identity theft.
More About Nationwide
Combining affordability, customer satisfaction and excellent add-on coverages, Nationwide emerged as the best auto insurance in Missouri. For our sample driver, Nationwide offers a reasonable price. Discounts are available from Nationwide to assist with the expense of coverage. It offers the majority of the standard discounts: bundles, paperless transactions, safe drivers, anti-theft and good students. It also provides a discount for automatic payments, which is uncommon with most insurance providers.
Like many car insurance providers, Nationwide provides common coverages — rental car reimbursement, roadside assistance and travel reimbursement are just a few of the add-ons that policyholders can choose to acquire. They may additionally select gap insurance, deductible reduction and accident forgiveness. Nationwide provides unique identity theft and total loss deductible waiver coverages.
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American Family Insurance
Score:NaN
In Missouri, American Family is the third-cheapest option, offering an average annual premium of $1,005. Its varied coverage options also earned it our top spot. With this insurer, policyholders can obtain unique coverages like Original Equipment Manufacturer (OEM) coverage, gap insurance and accident forgiveness.
More About American Family Insurance
American Family offers key add-on options applicable to most drivers for a relatively cheap rate. Unlike other insurance companies, American Family offers OEM coverage, which covers the cost of replacing damaged parts with OEM parts. Accident forgiveness is another coverage that almost all drivers can secure. It ensures that the cost of your premium won’t increase after your first at-fault accident. Gap insurance is another solid add-on option because it pays the difference between how much you owe on your vehicle and the cost of a brand-new replacement.
You can count on American Family for stellar customer service. In 2022, J.D. Power ranked American Family as the second-best insurer for customer service.
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Nationwide
Score:89
Nationwide is our top pick because it received excellent customer satisfaction and affordability ratings, providing auto insurance coverage at $922 per year. This company provides unique coverage options such as total loss deductible waiver and identity theft.
More About Nationwide
Combining affordability, customer satisfaction and excellent add-on coverages, Nationwide emerged as the best auto insurance in Missouri. For our sample driver, Nationwide offers a reasonable price. Discounts are available from Nationwide to assist with the expense of coverage. It offers the majority of the standard discounts: bundles, paperless transactions, safe drivers, anti-theft and good students. It also provides a discount for automatic payments, which is uncommon with most insurance providers.
Like many car insurance providers, Nationwide provides common coverages — rental car reimbursement, roadside assistance and travel reimbursement are just a few of the add-ons that policyholders can choose to acquire. They may additionally select gap insurance, deductible reduction and accident forgiveness. Nationwide provides unique identity theft and total loss deductible waiver coverages.
How the Best Insurers in Missouri Rank: MoneyGeek Scores and Costs
Of the 10 insurers we ranked in Missouri, Nationwide is the best overall option due to its relatively affordable premiums and solid customer service. However, its claims rating, which is only slightly below average, impacted its overall score.
Nationwide is a more affordable option at $922 per year for a full coverage policy, which is approximately $83 cheaper than American Family. This lower cost, however, comes with below-average ratings for claims management.
MoneyGeek only ranked insurers where data was available for all scoring components (affordability, customer service, claims management, etc.).
Best Car Insurance in Missouri for Customer Service
Shelter is the top carrier in Missouri for customer satisfaction. We highlight the best options available in the Show Me State:
- Shelter: MoneyGeek score of 90 out of 100 ($1,616 per year)
- American Family: MoneyGeek score of 89 out of 100 ($1,005 per year)
Compared to the 10 insurers that we evaluated, Shelter has the highest customer satisfaction rating and offers a fair amount of coverage options. One drawback is the cost — Shelter charges the second-most expensive premium in Missouri. However, excellent customer service might be worth the extra cost.
pros
Has the highest rating for customer service
Offers a fair selection of coverages
Provides gap insurance
cons
Has the second-most expensive average premium at $1,616 per year
Has a relatively low score for claims management
COMPANY HIGHLIGHTS
Shelter’s outstanding customer service has a high price point, but its coverage options may make it worth the extra cost. The insurer offers gap insurance and new car replacement, which can save drivers more money in the long run. Following a covered collision, gap insurance covers the difference between the value of your car and the outstanding loan balance or lease. This is ideal if your vehicle has a high depreciation rate or is leased.
Shelter’s new car replacement is already included in its standard policy, setting it apart from the competition. With this coverage, policyholders can receive a brand-new car of the same year and model if their vehicle was totaled. This coverage only applies to cars purchased in the past year with fewer than 15,000 miles. It makes sense for drivers who want to protect their investments. The provider also has basic add-on coverages, like rental car and/or travel reimbursement and roadside assistance.
What Makes an Insurer the Best for Customer Service?
A provider’s customer service shouldn’t be overlooked. Quality customer service can be critical, especially when you file a claim. Choose companies that are responsive to your concerns or questions, demonstrate an ability to address problems and quickly reimburse you once your claim has been approved.
Shelter is the clear winner in customer service, but it has one of the most expensive annual premiums. American Family, our runner-up choice for customer service, might be a better option if you prefer a more affordable rate. Its premiums are $611 cheaper than Shelter’s.
Best Car Insurance in Missouri for Minimum Coverage
State Farm is the best insurance provider for a minimum coverage policy, which adheres to Missouri liability requirements. We selected the top options based on customer satisfaction and affordability.
- State Farm: MoneyGeek score of 92 out of 100 ($394 per year)
- Nationwide: MoneyGeek score of 90 out of 100 ($458 per year)
Out of the 10 providers we evaluated, State Farm was the clear winner for the cheapest minimum coverage in Missouri. The carrier has the cheapest premiums and second-highest marks in service quality. A minimum coverage policy is cheap, but it only covers liability costs — not damage to your car.
pros
Has the cheapest rates in our comparison group at $394 per year
Has the second-highest ranking for customer satisfaction
Offers the Drive Safe & Save™ discount as well as discounts for good driving and having passive restraint systems installed in select vehicles
cons
Doesn’t offer a pay-in-full discount
Has few coverage options
Has an average claims management rating
COMPANY HIGHLIGHTS
State Farm is our top choice for a minimum coverage auto insurance policy in Missouri due to its affordability and customer satisfaction scores — the provider offers the cheapest rates and has the second-highest customer satisfaction rating.
Drivers can obtain multiple discounts to secure a lower premium by bundling insurance policies or insuring multiple vehicles. State Farm’s Drive Safe & Save™ also offers drivers the opportunity to snag a discount between 5% and 30% depending on their driving behavior. To participate, drivers must install the insurer’s Drive Safe & Safe™ mobile application, which will monitor their driving behavior.
Those with dated vehicles — 1993 model year and older — can receive a discount of up to 40% for having factory-installed airbags or a similar protective system that meets federal safety standards. Drivers can also get a discount if they’ve been accident-free with State Farm for at least three years. These discounts are a great way to reduce your already affordable premium.
What Makes an Insurer the Best for Minimum Coverage?
Because of cost, drivers may prefer a minimum coverage that meets the state’s liability requirements over a full coverage policy. Depending on the provider you choose, you may not need to sacrifice cost for quality. For instance, State Farm offers the cheapest minimum coverage policy in Missouri while also providing exceptional customer service.
Best Car Insurance in Missouri for Young Adults
American Family offers the best full coverage policy for young adults in their 20s. We found that the following providers are the best for adults in Missouri based on service quality and affordability:
- American Family: MoneyGeek score of 92 out of 100 ($1,070 per year)
- Nationwide: MoneyGeek score of 90 out of 100 ($1,243 per year)
Young adults usually pay more than middle-aged drivers but have cheaper premiums than teen drivers. For those that prioritize cost, we also found the cheapest car insurance for young adults in Missouri.
pros
Offers the cheapest average annual premium at $1,070
Scored highest in available coverages
Young drivers can utilize good student and distant student discounts
cons
Slightly above-average claims processing
Driver's education discount unavailable
COMPANY HIGHLIGHTS
American Family offers the most affordable premiums in the Show Me State. The provider also received an above-average customer satisfaction rating and received the fourth-highest mark out of 10 providers. It also provides essential discounts for drivers in their 20s, including good student and distant student, which are great ways to save on premiums. With a good student discount, having a solid academic standing can garner you a lower rate. Drivers under the age of 25 and live 100 miles from home can get a discount with distant student.
American Family also offers useful coverages like Original Equipment Manufacturer (OEM) and accident forgiveness — both solid investments that can ensure financial protection. OEM ensures that your car isn’t repaired with aftermarket parts during repairs whereas accident forgiveness protects you from extreme rate increases after your first at-fault accident.
What Makes an Insurer the Best for Young Adults?
Young drivers should search for companies that offer quality service at a reasonable rate plus robust coverage. Discounts that cater to drivers in their 20s are also a huge plus. American Family was ranked as the best provider for young adults because it offers the least expensive rates for a wide variety of coverage options. Nationwide, while more expensive, has higher customer satisfaction ratings.
Best Car Insurance in Missouri for Seniors
Nationwide offers the best possible deals for senior drivers in Missouri. Our analysis included each company’s customer satisfaction ratings and the cost of a full coverage policy:
- Nationwide: MoneyGeek score of 92 out of 100 ($860 per year)
- American Family: MoneyGeek score of 91 out of 100 ($932 per year)
Nationwide received a high customer satisfaction rating, placing fourth out of the 11 companies we evaluated. It’s also the cheapest widely available company for older adults in Missouri. Drivers in their 60s pay about the same rate as drivers between the ages of 30 and 50. Premiums, however, increase as drivers approach their 70s. We also found the cheapest car insurance rates for seniors in Missouri in case your primary interest is affordability.
pros
Cheapest widely available option at $860 per year
Offers Identity Theft Coverage
High affordability and customer satisfaction ratings
cons
Slightly lower coverage score than some competitors
Has a relatively average score for claims management
COMPANY HIGHLIGHTS
Nationwide ranked first for affordability among the companies offering auto insurance to most senior drivers in Missouri. It ranked fourth overall for customer satisfaction.
The company offers roadside assistance and rental car reimbursement, which are useful in the event of an accident. With roadside assistance, you can contact the company 24/7 for emergencies like fuel delivery, jumpstart or towing services. Meanwhile, the rental car reimbursement gives you access to a rental car or other transportation option while your car is under repair after a covered accident.
Nationwide also has more unique add-ons like Identity Theft Coverage. You can get reimbursement up to $25,000 if you or any member of your household become a victim of identity theft or fraud. Another good option is accidenupt forgiveness, which prevents a premium increase after your first accident. However, you need to be accident-free for the past three years.
What Makes an Insurer the Best for Seniors?
A stellar insurance company for senior drivers is one with reasonable rates, senior-specific discounts and useful coverages like roadside assistance. Although senior drivers in their 60s are typically considered safe drivers, they tend to be more prone to serious injury after an accident. We encourage policies that include personal injury protection (PIP) coverage. Balancing affordability and customer satisfaction, Nationwide is the top option. However, American Family, our runner-up pick, may have more coverage options.
Best Car Insurance in Missouri for Drivers With Offenses
State Farm is the best insurer in Missouri for drivers with offenses. Our rankings were based on the affordability and customer service ratings of insurers for drivers with at-fault accidents, speeding tickets and/or DUIs. These are our top-two choices:
- State Farm: MoneyGeek score of 91 out of 100 ($1,058 per year)
- American Family: MoneyGeek score of 91 out of 100 ($1,191 per year)
Out of the 10 insurers included in our comparison group, State Farm is the best for drivers with offenses, offering the cheapest rates and having the second-best customer service rating.
MoneyGeek also found the cheapest car insurance in Missouri after an accident if saving money is your ultimate goal.
pros
Offers the cheapest rate at $1,058 per year
Has roadside assistance and rental car reimbursement coverages
Has the highest affordability score and second-best customer satisfaction rating
cons
No accident forgiveness and new or better car replacement coverages
Lower-than-average claims and coverage ratings
COMPANY HIGHLIGHTS
Ranking first in affordability and second in customer satisfaction, State Farm is the winner in this category. Drivers with previous driving offenses may also find the company’s add-on coverages incredibly useful.
Roadside assistance covers the cost of mechanical labor up to an hour at the place where the breakdown occurs, towing services, locksmith labor for up to an hour and delivery of gas, battery, oil or change of tire. Rental car reimbursement coverage offers payment for car rental expenses up to your chosen limits if your car is undergoing repair after a covered accident.
If you’re working for a ridesharing company, you may opt to purchase rideshare insurance. This ensures that your medical coverage, emergency roadside assistance, rental car reimbursement and deductible are in effect while you’re driving for a transportation network provider like Uber or Lyft.
What Makes an Insurer the Best for Drivers With Offenses?
An ideal auto insurance provider for drivers with offenses offers affordable rates, discounts and key coverages, like new or better car replacement and roadside assistance. State Farm is the winner in this category, mainly due to its cheap car insurance rate and good customer service. While its premiums are more expensive than State Farm, our runner-up, American Family offers coverages suited for drivers with offenses like accident forgiveness.
Best Car Insurance in Missouri for Drivers With New Cars
In Missouri, Travelers is the best option for drivers with new vehicles based on service quality, affordability and availability of new car replacement coverage. Out of the three insurers we evaluated for this category, our top-two options are:
- Travelers: MoneyGeek score of 91 out of 100 ($1,164 per year)
- Allstate: MoneyGeek score of 87 out of 100 ($1,566 per year)
Travelers has the cheapest rates and the second-highest customer satisfaction score. When you buy a new vehicle, it’s a good idea to also get new car replacement coverage. This add-on coverage protects you against the cost of purchasing a new car (of the same make and model) if your new car is totaled.
pros
Has the most affordable average annual premium at $1,164
Has the second-best rating for customer service
Offers gap insurance and accident forgiveness coverages
cons
Has an average claims processing rating
COMPANY HIGHLIGHTS
With the least expensive premiums and second-best score for customer service, Travelers is our top pick. On average, monthly premiums are around $97 before discounts.
Travelers’ main selling point is its new car replacement coverage, which financially protects your investment; cars that are totaled within the first five years can be replaced with a new vehicle of the same make and model. Travelers also offers handy coverages like accident forgiveness and gap insurance, two add-on coverage that provide peace of mind if you get into an accident.
Accident forgiveness is part of Travelers’s Responsible Driver PlanSM. It protects drivers from rate increases if their at-fault accident occurs within a specified time period. Drivers with a leased vehicle may also consider purchasing the insurer’s gap insurance. If their vehicle is totaled in a covered loss, this coverage pays for the difference between the car’s actual cash value and the balance of the lease.
What Makes an Insurer the Best for Drivers With New Cars?
The best auto insurance provider for drivers with new cars should offer new or better car replacement coverage. Because your new car is a hefty investment, purchasing these add-on coverages offers more financial protection. Travelers, our category winner, has the cheapest rates in Missouri and offers new car replacement coverage. Although other insurance providers received higher marks, they weren’t included in our rankings because they didn’t offer new or better car replacement coverage.
Best Car Insurance in Missouri for Military Drivers
With a MoneyGeek score of 94 out of 100, USAA is the best auto insurance company for drivers with a military background. It also has the cheapest premiums in the state at $517 per year. In addition to providing the most affordable rates, the insurer also offers the best customer service out of the eleven providers we evaluated in this category.
pros
Has the most affordable rates at $517 per year
Has the highest ranking for customer service
Offers accident forgiveness coverage
cons
Has an average rating for claims management
Offers few add-on coverages
COMPANY HIGHLIGHTS
In Missouri, USAA is our top pick for drivers with a military background. USAA has the cheapest premiums and delivers excellent customer experience. The provider offers accident forgiveness, a handy coverage that ensures your premium won’t skyrocket after your first at-fault accident if you’ve been accident-free with USAA for at least five years.
With USAA, military personnel can also snag a discount when they park their vehicle on base. The company also has basic yet essential coverages such as rental car and/or travel reimbursement and roadside assistance. Purchasing any one of these add-on coverages is a sound investment that can benefit you if you face an emergency on the road.
How to Find the Best Car Insurance in Missouri for You
When purchasing quality auto insurance, choose a company that balances affordability, service quality and financial stability. It’s also worth noting providers that offer efficient claims management. Our rankings are a great place to start, but if you’d like to research providers on your own, we recommend taking a few steps.
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Research customer service reputations in Missouri
MoneyGeek gathered ratings to help you choose the best insurer for your needs. If you’d like to do your own research, you can review your chosen company’s J.D. Power satisfaction ratings and NAIC complaint ratios. The Missouri Department of Insurance is also another great resource to aid in your decision-making.
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Compare quotes
We highly suggest comparing car insurance quotes for a minimum of three insurance providers. This can give you an estimate of how much your rates may cost. Our analysis calculated the average premiums for sample drivers in Missouri, but the rate you actually receive will vary based on where you live in the state.
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Find the coverages you want in Missouri
While car insurance companies typically list available coverages and discounts on their website, they may not offer all coverages in your area. Be sure to ask your preferred carrier if the coverage or discount you want is available.
4
Check financial stability ratings
We also recommend researching the financial strength scores of the insurance companies you’re interested in. Financial stability ensures that your claims will be upheld regardless of economic conditions. Regional insurance providers in Missouri tend to have lower financial stability ratings than large, nationwide companies.
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Expert Insight on Best Car Insurance in Missouri
- What is the best way to figure out which insurer is best for me in Missouri?
- What are the best coverages to add to your car insurance policy in Missouri?
- How important is it for drivers in Missouri to get car insurance from a provider with a great service reputation?
Joe Roberts, Ph.D.
Director, Center for Innovation and Professional Development at Webster University
John Espenschied
Agency Owner of Insurance Brokers Group
FAQs About the Best Car Insurance in Missouri
Your profile and financial needs should determine the most suitable auto insurance for you. MoneyGeek answers the most commonly asked questions to help you make a well-informed decision.
About Mark Fitzpatrick
sources
- J.D. Power. "2022 U.S. Auto Insurance Study." Accessed February 1, 2023.