Auto-Owners leads Missouri's insurance market with monthly rates of $34 for minimum coverage and $81 for full coverage. Missouri drivers save $40 monthly (41%) compared to other major providers. Get quotes from Travelers, GEICO, Farm Bureau and Shelter too.
Cheapest Car Insurance in Missouri
Updated: November 6, 2025
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Key Takeaways
Auto-Owners, Travelers and GEICO rank as the cheapest car insurance companies in Missouri, with Auto-Owners offering rates 41% below the state average.
Car insurance costs in Missouri start at $28 monthly for minimum coverage policies and $67 for full coverage on average.
To get the cheapest car insurance in Missouri, research average costs and top companies, use discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Missouri?
| Auto Owners | $34 | $81 | -41% | $-40 |
| Travelers | $40 | $81 | -38% | $-37 |
| Geico | $38 | $87 | -36% | $-35 |
| Farm Bureau | $37 | $101 | -29% | $-29 |
| Shelter Insurance | $47 | $109 | -20% | $-19 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
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$383
High
$166
Average
$91
Low
Rates updated:
Nov 07, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  State Farm | 96 /of 100 | $91 |
| 2 |  Travelers | 93 /of 100 | $100 |
| 3 |  Nationwide | 91 /of 100 | $109 |
| 4 |  Allstate | 78 /of 100 | $154 |
| 5 |  Progressive | 87 /of 100 | $157 |
| 6 |  GEICO | 82 /of 100 | $172 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance Rates by Category in Missouri
Travelers has the cheapest rates for four out of 10 driver categories in Missouri, while Auto-Owners leads three categories including adult drivers and those with older cars. See your specific rates in the table:
| Young Drivers | Travelers | $87 |
| Adult Drivers | Auto Owners | $34 |
| Senior Drivers | Farm Bureau | $38 |
| Drivers With An Accident | Travelers | $52 |
| Drivers With A DUI | Travelers | $55 |
| Drivers With A Speeding Ticket | Farm Bureau | $39 |
| Drivers With Bad Credit | Kemper | $73 |
| Drivers With Low Income | Auto Owners | $62 |
| Drivers With Newer Cars | Travelers | $42 |
| Drivers With Old Cars | Auto Owners | $25 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN MISSOURI
We've created additional guides below to help you in your search for the best and cheapest car insurance in Missouri:
Compare the Cheapest Car Insurance in Missouri for You
The tables above show overall winners, but your cheapest option depends on your specific situation. Kemper offers the lowest rates at $192 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $100 | $1,204 | -46% | $-1,035 |
| Farm Bureau | $131 | $1,576 | -30% | $-663 |
| Shelter Insurance | $142 | $1,703 | -24% | $-536 |
| Progressive | $148 | $1,778 | -21% | $-461 |
| Auto Owners | $152 | $1,825 | -19% | $-414 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Missouri by City
In 18 of Missouri's 20 largest cities, Auto-Owners claims the lowest monthly premiums in the dataset analyzed. Springfield breaks this pattern with GEICO offering $37 monthly, while St. Louis stands apart at $51 monthly through Travelers as of October 2025.
A $22 difference separates the cheapest and most expensive cities for minimum coverage across Missouri's major markets. At $29 monthly through Auto-Owners, Jefferson City residents access the state's most affordable rates. St. Charles and Cape Girardeau match each other at $31 monthly with Auto-Owners. Drivers in St. Louis pay $51 monthly with Travelers, the highest rate observed. Kansas City, the state's largest metro area, lands at $39 monthly through Auto-Owners, with Wentzville at $43 monthly.
| Blue Springs | Auto Owners | $39 | -40% | $-43 |
| Cape Girardeau | Auto Owners | $31 | -46% | $-45 |
| Chesterfield | Auto Owners | $34 | -45% | $-46 |
| Columbia | Auto Owners | $31 | -43% | $-40 |
| Florissant | Auto Owners | $41 | -48% | $-64 |
| Independence | Auto Owners | $38 | -43% | $-48 |
| Jefferson City | Auto Owners | $29 | -41% | $-34 |
| Joplin | Auto Owners | $31 | -39% | $-34 |
| Kansas City | Auto Owners | $39 | -45% | $-53 |
| Lee's Summit | Auto Owners | $35 | -39% | $-38 |
| Liberty | Auto Owners | $34 | -42% | $-41 |
| O'Fallon | Auto Owners | $33 | -42% | $-41 |
| Springfield | Geico | $37 | -43% | $-45 |
| St. Charles | Auto Owners | $31 | -45% | $-44 |
| St. Joseph | Auto Owners | $32 | -42% | $-39 |
| St. Louis | Travelers | $51 | -51% | $-80 |
| St. Peters | Auto Owners | $32 | -43% | $-41 |
| University City | Auto Owners | $40 | -50% | $-67 |
| Wentzville | Auto Owners | $43 | -41% | $-48 |
| Wildwood | Auto Owners | $34 | -47% | $-51 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Missouri by Driver Age Group
We analyzed car insurance rates across Missouri for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). These providers have the best deals:
- Young drivers get the lowest rates from Travelers, starting at $87 per month
- Adult drivers get the best deals with Auto Owners, with rates from $34 per month
- Senior drivers get the most affordable coverage through Farm Bureau, starting at $38 per month
Cheapest Car Insurance for Young Drivers in Missouri
Young drivers in Missouri get the lowest premiums with Travelers, averaging $87 per month ($1,039 annually). Farm Bureau is a close second at $90 per month, making both strong choices for budget-conscious young drivers.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Travelers | $87 | $1,039 | -50% | $-1,056 |
| Farm Bureau | $90 | $1,078 | -49% | $-1,017 |
| Auto Owners | $114 | $1,372 | -34% | $-722 |
| Shelter Insurance | $116 | $1,387 | -34% | $-707 |
| Geico | $119 | $1,430 | -32% | $-665 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.
Cheapest Car Insurance for Adult Drivers in Missouri
For adult drivers, Auto Owners offers the cheapest coverage at $34 per month ($402 annually). Other affordable options include Farm Bureau at $35 per month and GEICO at $39 per month, giving drivers ways to cut costs.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Auto Owners | $34 | $402 | -47% | $-364 |
| Farm Bureau | $35 | $426 | -44% | $-340 |
| Geico | $39 | $473 | -38% | $-293 |
| Travelers | $40 | $484 | -37% | $-282 |
| Shelter Insurance | $47 | $563 | -27% | $-203 |
Cheapest Car Insurance for Senior Drivers in Missouri
Seniors save the most with Farm Bureau, which averages $38 per month ($458 annually). Shelter Insurance and Travelers are also competitive, with monthly premiums in the $50--$56 range, well below the state average.ord is one of the biggest factors affecting car insurance rates in Missouri. Drivers with a clean history pay the lowest premiums, while violations such
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| Farm Bureau | $38 | $458 | -56% | $-590 |
| Shelter Insurance | $50 | $594 | -43% | $-453 |
| Travelers | $56 | $671 | -36% | $-376 |
| Auto Owners | $60 | $716 | -32% | $-331 |
| Geico | $66 | $791 | -25% | $-257 |
Cheapest Car Insurance for High-Risk Drivers in Missouri
Your driving record is one of the biggest factors affecting car insurance rates in Missouri. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents or DUIs raise costs greatly. The table below highlights the cheapest providers in Missouri based on different driving records.
- Cheapest for Bad Credit: Kemper (From $71/mo)
- Cheapest With a DUI: Farm Bureau (From $47/mo)
- Cheapest With an Accident: Farm Bureau (From $51/mo)
- Cheapest With a Speeding Ticket: Farm Bureau (From $37/mo)
- Cheapest With a Texting While Driving Violation: Auto Owners (From $34/mo)
Cheapest Car Insurance for Bad Credit in Missouri
Drivers with poor credit get the best rates through Kemper, at $71 per month ($852 annually). Farm Bureau and GEICO follow at $95 per month, giving you additional low-cost options.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Clean
| Kemper | $71 | $852 | -48% | $-786 |
| Farm Bureau | $95 | $1,138 | -31% | $-500 |
| Geico | $95 | $1,144 | -30% | $-494 |
| Shelter Insurance | $97 | $1,164 | -29% | $-474 |
| Auto Owners | $110 | $1,317 | -20% | $-321 |
Cheapest Car Insurance With a DUI in Missouri
For drivers with DUIs, Farm Bureau has the most affordable coverage, averaging $47 per month ($567 annually). Travelers is close behind at $56 per month, giving you two strong options to lower post-DUI costs.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Farm Bureau | $47 | $567 | -54% | $-655 |
| Travelers | $56 | $666 | -45% | $-556 |
| Shelter Insurance | $65 | $783 | -36% | $-439 |
| Kemper | $67 | $807 | -34% | $-415 |
| Progressive | $72 | $859 | -30% | $-363 |
Cheapest Car Insurance With an Accident in Missouri
For drivers with an accident history, Farm Bureau has the lowest premiums at $51 per month ($615 annually). Travelers is nearly identical at $52 per month, making both insurers reliable picks for affordable coverage.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Farm Bureau | $51 | $615 | -46% | $-515 |
| Travelers | $52 | $628 | -44% | $-502 |
| Shelter Insurance | $65 | $783 | -31% | $-347 |
| Geico | $66 | $790 | -30% | $-340 |
| Auto Owners | $70 | $845 | -25% | $-286 |
Cheapest Car Insurance With a Speeding Ticket
For drivers with a speeding violation, Farm Bureau leads with rates at $37 per month ($449 annually). Travelers comes next at $49 per month, offering another budget-friendly alternative.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Farm Bureau | $37 | $449 | -53% | $-512 |
| Travelers | $49 | $590 | -39% | $-370 |
| Auto Owners | $51 | $613 | -36% | $-348 |
| Geico | $53 | $634 | -34% | $-326 |
| Shelter Insurance | $54 | $654 | -32% | $-307 |
Cheapest Car Insurance With a Texting While Driving Violation
Auto Owners has the lowest rate at $34 per month ($402 annually). Farm Bureau is next at $37 per month, with GEICO close behind at $47 per month.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| Auto Owners | $34 | $402 | -57% | $-533 |
| Farm Bureau | $37 | $449 | -52% | $-487 |
| Geico | $47 | $561 | -40% | $-374 |
| Shelter Insurance | $50 | $595 | -36% | $-340 |
| Travelers | $56 | $666 | -29% | $-269 |
How to Get the Cheapest Car Insurance in Missouri
Comparing prices alone won't cut your costs in Missouri. Save the most on auto insurance with these strategies:
- 1Compare insurers across the state
Car insurance costs in Missouri differ by $800+ annually between St. Louis and rural counties. Drivers in St. Louis and Kansas City pay the highest premiums, because heavy traffic, more accidents and theft risks drive up costs. In smaller towns and rural counties, you'll pay less. Get quotes from three insurers minimum, including regional carriers like Auto-Owners and Farm Bureau. Regional insurers beat national companies in Missouri by 15% to 30% for clean-record drivers.
- 2Meet Missouri’s minimum coverage requirements
Missouri law requires 25/50/25 liability-only coverage plus uninsured motorist coverage at 25/50. These minimums keep you legal but barely cover serious accidents. One hospitalized passenger costs $100,000+ in medical bills, while Missouri's minimum covers just $25,000 per person. Consider 100/300/100 limits. You'll pay $15 to $30 more monthly but avoid financial ruin if you cause a serious crash.
- 3Use Missouri-specific discounts
Missouri insurers cut rates for bundling home and auto (20% to 25% off), enrolling in telematics programs (10% to 30% off), paying annually (5% to 10% off) and maintaining continuous coverage (5% to 10% off). Good student discounts save young drivers $200 to $400 annually. Complete a state-approved defensive driving course for another $50 to $150 off. Stack four discounts and you'll cut premiums by 40% to 60%.
- 4Match coverage to Missouri’s risks
Urban drivers in Kansas City and St. Louis need comprehensive and collision. Car theft claims hit 15,000+ annually in these metros. In rural Missouri, deer collisions cause $4,000+ in vehicle damage that liability coverage won't touch. You need comprehensive coverage for deer strikes, hail damage and storm debris. Missouri averages 47 tornadoes yearly, and comprehensive coverage pays for wind and hail damage that totals vehicles.
- 5Adjust deductibles to control costs
Bump your deductible from $500 to $1,000 and you'll save 15% to 25% on comprehensive and collision premiums. On a $1,200 annual policy, that's $180 to $300 saved yearly. This works if you have $1,000 in emergency savings. Don't raise deductibles above what you can afford to pay after an accident becasue you'll file the claim regardless, and a $2,000 deductible you can't cover leaves you stranded.
- 6Maintain a strong driver profile
A clean driving record and good credit history are two of the most influential factors in setting premiums in Missouri. Avoiding violations and building credit are long-term strategies that help drivers access lower rates.
- 7Apply through MOAIP if you cannot get coverage
High-risk drivers rejected by standard insurers can get coverage through the Missouri Automobile Insurance Plan. MOAIP guarantees liability coverage but costs 40% to 100% more than voluntary market rates. Use MOAIP only as a last resort: after one year of clean driving, shop standard insurers again for better rates.
Risks of Getting the Cheapest Car Insurance in Missouri
Missouri requires drivers to carry liability insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Missouri, average property damage claims hit $4,300 in 2023, according to the Insurance Information Institute. That money comes from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Missouri gets severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,200 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against floods, tornadoes and severe storms that frequently hit Missouri.
Bodily injury damage is more likely to be higher than the minimum limits
Missouri's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. The Insurance Information Institute reports average bodily injury claims in Missouri reached $20,000 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Missouri has a serious uninsured driver problem, with 14% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a problem in Missouri, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in Missouri
Missouri law requires all drivers to carry liability insurance before registering or operating a vehicle. The state follows an at-fault system, which means the driver responsible for an accident must pay for the resulting damages. Insurance policies must include bodily injury and property damage liability, along with uninsured motorist coverage. These limits satisfy state law, but many drivers choose higher amounts for stronger financial protection.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $25,000 per accident |
Uninsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
Cheap Car Insurance in Missouri: Bottom Line
Auto-Owners offers the lowest car insurance rates in Missouri for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Missouri: FAQ
We answer common questions about finding affordable car insurance coverage in Missouri.
Who has the cheapest car insurance rates for young drivers in Missouri?
Travelers provides the most affordable rates for young drivers in Missouri, with monthly premiums starting at $87 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Missouri?
Senior drivers in Missouri find the most competitive rates with Farm Bureau, offering policies for those 65 and older at an average of $38 per month for minimum coverage.
Who has the cheapest car insurance in Missouri for bad credit?
Kemper has the most affordable rates for bad-credit drivers in Missouri, with monthly premiums averaging $73 for minimum coverage and $167 for full coverage.
Who has the cheapest car insurance in Missouri with an accident?
Travelers has the most affordable car insurance rates for Missouri drivers with an accident history, starting at $52 per month for minimum coverage.
Who has the cheapest car insurance in Missouri with a DUI?
Travelers has the cheapest car insurance after a DUI in Missouri, with rates of $55 monthly for minimum coverage and $112 monthly for full coverage.
Who has the cheapest car insurance in Missouri for those with a speeding ticket?
Missouri drivers with a speeding ticket get the lowest insurance rates with Farm Bureau, charging $39 monthly for minimum coverage and $105 for full coverage.
Should you buy the cheapest car insurance in Missouri?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Auto-Owners balances low prices with solid coverage options in Missouri.
How We Found the Most Affordable Car Insurance in Missouri
Missouri's at-fault system means if you cause an accident, you're paying for it, and with 14% of drivers uninsured, you're also vulnerable when someone without coverage hits you. Rate differences between companies can exceed $1,500 annually for identical coverage, making it critical to know if you're overpaying. We analyzed over 200 million rate comparisons across every residential ZIP code to identify which companies consistently offer the lowest rates for your specific profile.
We collected auto insurance data from the Missouri Department of Insurance and Quadrant Information Services, analyzing quotes from 12 major insurers across every residential ZIP code in Missouri.
Our baseline Missouri driver profile: 40-year-old man, 2012 Toyota Camry LE, clean driving record, 12,000 miles driven annually, good credit, valid license, currently insured, no claims history.
Why this profile matters for Missouri shoppers: A 40-year-old with a decade-old Camry and clean record represents moderate risk. You avoid young driver surcharges and high-value vehicle premiums while testing how Missouri's at-fault system and high uninsured driver rate affect baseline pricing. This profile isolates company pricing differences rather than risk factors that inflate all quotes.
Profile variations tested: We adjusted this baseline by age, driving record, credit score, car make and model, and military service to capture how different Missouri drivers experience rate variations across insurers.
Minimum coverage tested: Missouri's legally required 25/50/25 liability ($25,000 bodily injury per person, $50,000 per accident, $25,000 property damage) plus mandatory 25/50 uninsured motorist coverage.
Why Missouri's minimum matters: Unlike many states with simple liability-only minimums, Missouri requires uninsured motorist coverage because 14% of drivers lack insurance. This mandatory addition increases your "minimum" cost but protects you financially when uninsured drivers cause accidents, a real risk in Missouri.
Full coverage tested: 100/300/100 liability limits with comprehensive and collision coverage at $1,000 deductible.
Why these full coverage limits matter for Missouri: Missouri's at-fault system means you're financially responsible for damages you cause. The 25/50/25 minimum barely covers one serious injury ($25,000 per person), while medical costs for severe accidents easily exceed $100,000. Full coverage at 100/300/100 provides realistic protection against lawsuits and protects your vehicle from Missouri's weather risks (hail, tornadoes) and high theft rates in Kansas City and St. Louis.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed November 7, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed November 7, 2025.
- National Centers for Environmental Information. "Climate at a Glance: Statewide Time Series." Accessed November 7, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed November 7, 2025.