Cheapest Car Insurance in Missouri (2026)

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Updated: November 5, 2026

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Travelers is the most affordable company in Missouri for full coverage at $84 per month. It's also cheapest for seniors, young drivers and most violation types, so quote it first unless you only need minimum coverage.   

Cheapest Car Insurance by Coverage Type in Missouri

Travelers
$41
$84
4.82/5
Auto-Owners
$38
$89
4.86/5

GEICO

$41
$96
4.60/5
Farm Bureau
$41
$111
4.55/5
Progressive
$69
$116
4.62/5

Cheapest Minimum Coverage in Missouri

Auto-Owners is cheapest for minimum coverage at $38 per month. Travelers, GEICO and Farm Bureau tie for second-cheapest at $41, which is $3 more ($36 a year). Auto-Owners also has the highest customer experience score among its competitors, meaning it's less likely to drag out claims after an accident.

Cheapest Full Coverage in Missouri

Travelers is cheapest for full coverage at $84 per month, while Auto-Owners is second-cheapest at $89 — $5 more per month ($60 a year). Auto-Owners has a slight lead in customer experience, so drivers who expect to file claims should strongly consider it. But drivers with newer cars can benefit from Travelers 5-year new car replacement add-on in addition to lower premiums.  

How to Choose Between Minimum and Full Coverage in Missouri

Full coverage costs $46 more per month than minimum coverage at the cheapest company ($84 vs. $38), which amounts to $552 a year. Because Missouri drivers have high odds (1 in 97) of an animal collision, we recommend getting comprehensive coverage (part of full coverage), especially if your car is newer. If your car is leased or financed, you're likely required to carry full coverage.

Cheapest Car Insurance for Teens and Young Adults in Missouri

Farm Bureau is the cheapest insurance company for a 16-year-old in Missouri at $361 a month, the same rate to add a female and male teen to a family policy with full coverage. However, Travelers becomes the cheapest at age 17 and stays cheapest through age 25, starting at $302 for a female and $315 for a male and dropping to $92 and $96. Both companies offer discounts for young drivers — like Good Student and driver safety programs — but Farm Bureau requires paying an annual membership, so bake that into your total cost.

16
Farm Bureau
$361
Farm Bureau
$361
17
Travelers
$302
Travelers
$315
18
Travelers
$232
Travelers
$243
19
Travelers
$184
Travelers
$192
20
Travelers
$159
Travelers
$166
21
Travelers
$130
Travelers
$136
22
Travelers
$118
Travelers
$123
23
Travelers
$109
Travelers
$114
24
Travelers
$103
Travelers
$108
25
Travelers
$92
Travelers
$96

Cheapest Car Insurance for Seniors in Missouri

Travelers is the cheapest insurance company for seniors in Missouri at $86 per month for full coverage. Auto-Owners costs seniors $8 more per month ($96 a year) for the same coverage, but has a stronger record for customer experience. Both companies have low-mileage discounts that are great for seniors who rarely drive.

If you want the additional protection full coverage offers, Auto-Owners is worth paying a little extra for. If you rarely file, it's fine to go with Travelers. If you just want minimum liability protection, Auto-Owners is your cheapest option.

Travelers
$86
4.28/5
Auto-Owners
$94
4.58/5
Farm Bureau
$103
3.89/5
Shelter Insurance
$108
3.40/5
Progressive
$113
3.90/5

Cheapest Car Insurance by City in Missouri

Auto-Owners is the cheapest company for minimum coverage in 13 of Missouri's 20 biggest cities, including both the cheapest city, Jefferson City at $29, and the most expensive, St. Louis at $47. That's an $18 monthly difference ($216 a year) for the same insurance company. Farm Bureau is cheapest in the other seven cities: Blue Springs, Cape Girardeau, Florissant, Independence, Lee’s Summit, Raytown and Springfield. Four of those are Kansas City suburbs.

Blue Springs
Farm Bureau
$36
$432
Cape Girardeau
Farm Bureau
$31
$372
Chesterfield
Auto-Owners
$34
$408
Columbia
Auto-Owners
$31
$372
Florissant
Farm Bureau
$39
$468
Independence
Farm Bureau
$37
$444
Jefferson City
Auto-Owners
$29
$348
Joplin
Auto-Owners
$31
$372
Kansas City
Auto-Owners
$39
$468
Kirksville
Auto-Owners
$31
$372
Lee’s Summit
Farm Bureau
$33
$396
O’Fallon
Auto-Owners
$33
$396
Raytown
Farm Bureau
$36
$432
Sedalia
Auto-Owners
$30
$360
Springfield
Farm Bureau
$37
$444
St. Charles
Auto-Owners
$31
$372
St. Joseph
Auto-Owners
$32
$384
St. Louis
Auto-Owners
$47
$564
St. Peters
Auto-Owners
$32
$384
Wildwood
Auto-Owners
$34
$408

Cheapest Car Insurance for High-Risk Drivers in Missouri

Auto-Owners is cheapest after a texting violation in Missouri, the same as its clean-record rate. Travelers is cheapest after every other violation: $104/month for speeding, $109/month for an at-fault accident and $116/month for a DWI. Kemper is cheapest with bad credit at $209 a month.

After a DWI, Missouri requires an SR-22 filing that your insurance company submits to the Department of Revenue for two years from the start of the suspension or revocation. A lapse leads to re-suspension of your license, so be sure to keep your policy active and re-quote when the filing ends.

Speeding Ticket
Travelers
$104
4.28/5
At-Fault Accident
Travelers
$109
4.28/5

DWI

Travelers
$116
4.28/5
Texting While Driving
Auto-Owners
$89
4.58/5
Bad Credit
Kemper
$209
1.98/5

How to Get Cheaper Car Insurance in Missouri

Switching from Progressive to Travelers saves $32 a month on full coverage, and dropping from full to minimum coverage at the cheapest company for each saves $46 a month. Bundling, violation timing, improving credit and finding carrier discount programs are also powerful ways to cut costs.

  1. 1
    Get quotes from all five companies and save $32 a month

    Travelers charges $84 for full coverage and Progressive $116, a $384-a-year difference. On minimum coverage, Auto-Owners at $38 is $31 below Progressive at $69. Use MoneyGeek’s car insurance calculator to get cost estimates without personal information.

  2. 2
    Drop to minimum coverage on a car worth less than $5,000 and save $46 a month

    Dropping full coverage saves $552 a year at the cheapest company for each level ($84 vs. $38). A $5,000 car with a $1,000 deductible pays at most $4,000 on a total loss, more than seven years of the extra premium. If a lender requires full coverage, this step doesn't apply.

  3. 3
    Bundle home and auto and save $502 a year with AAA or $633 with Allstate

    Allstate’s 10% discount saves more dollars than AAA’s 13%, but its $5,541 bundle costs $2,302 more than AAA’s $3,239. Compare total premiums, not percentages, and price the bundle against your standalone auto quote.

  4. 4
    Re-quote 30 days before your violation’s three-year mark and save $20 to $32 a month

    At Travelers, the clean-record rate is $20 below a speeding ticket ($240 a year), $25 below an at-fault accident ($300) and $32 below a DWI ($384). A driver whose texting violation ages off at Auto-Owners ($89) saves $5 a month by quoting Travelers ($84).

  5. 5
    Improve your credit and re-quote to save $125 a month

    Missouri permits credit as a rating factor, so get new quotes when your credit improves rather than waiting for the renewal to reprice it. A Missouri driver with poor credit paying Kemper’s $209/month who improves to good credit and re-quotes Travelers saves $125 a month ($1,500 a year).

  6. 6
    Enroll in a carrier program and save $12.60 a month at Travelers
    • Travelers: IntelliDrive 365 has a maximum 15% first-term enrollment discount in Missouri, taking $84 to $71.40. A maximum 35% renewal savings and a 2% renewal participation discount follow for safe driving, but riskier driving can raise the premium.
    • Auto-Owners: Multi-policy, multi-car and paid-in-full discounts. It has no telematics program for adult drivers.
    • GEICO: DriveEasy telematics plus multi-vehicle and multi-policy discounts.

MoneyGeek analyzed rates from Quadrant Information Services across 11 insurance companies in every residential ZIP code in Missouri. For scored rankings, see best car insurance in Missouri.

Baseline profile: 40-year-old male, 2012 Toyota Camry LE, clean driving record, good credit, 12,000 miles a year. Full coverage uses 100/300/100 liability limits with a $1,000 deductible. Minimum coverage uses Missouri’s 25/50/25 minimums.

Profile variations:

  • Young drivers: Ages 16 through 25 on a family policy, split by gender.
  • Seniors: An aggregate of ages 65, 70, 80 and 85.
  • Violations: The baseline profile with one record variable changed.
  • Credit: Poor credit replaces good credit for the bad credit row.
  • Cities: Minimum coverage rates for 20 Missouri cities.

USAA is excluded from the tables because it's only available for military members, veterans and their immediate families, but eligible drivers should include it in any comparison. Missouri permits credit scoring and gender as rating factors.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick is a licensed Property and Casualty (P&C) Insurance Producer and MoneyGeek's resident expert in insurance and economics. In nearly a decade covering the insurance market at LendingTree and MoneyGeek, he's analyzed hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships affect his recommendations.

Mark studied at Boston College and later earned a master's in economics and international relations from Johns Hopkins University. He worked in financial risk management at State Street before joining MoneyGeek. He's also a five-time “Jeopardy!” champion.

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