Cheapest Car Insurance in Missouri for 2026

fact checked icon

Updated: July 9, 2026

Advertising & Editorial Disclosure

Travelers offers the cheapest full coverage car insurance in Missouri at $84 per month. Travelers is also cheapest in Missouri for young adult drivers ($96/month), seniors ($86/month) and after a driving violation ($104–116/month, depending on the violation). Auto-Owners is the cheapest in Missouri for minimum coverage ($38/month). Farm Bureau has the lowest rates for families adding a teen driver to their policy in Missouri ($361/month). Kemper is cheapest in Missouri for drivers with poor credit ($209/month).

The fifth-cheapest option, Progressive, charges $32 more per month than the cheapest option (Travelers) for full coverage. In a state like Missouri that already has higher than average car insurance rates, carrier comparison is even more important to avoid overpaying.

Minimum Coverage (Clean Record)
Auto-Owners
$38
4.86/5
Full Coverage (Clean Record)
Travelers
$84
4.82/5
Teen Driver — Male, Age 16 (Full Coverage)
Farm Bureau
$361
4.55/5
Teen Driver — Female, Age 16 (Full Coverage)
Farm Bureau
$361
4.55/5
Driver, Age 25 (Full Coverage)
Travelers
$96
4.82/5
Senior Driver, Age 65+ (Full Coverage)
Travelers
$86
4.82/5
Speeding Ticket (Full Coverage)
Travelers
$104
4.82/5
At-Fault Accident (Full Coverage)
Travelers
$109
4.82/5
DUI (Full Coverage)
Travelers
$116
4.82/5
Bad Credit (Full Coverage)
Kemper
$209
3.70/5
Auto-Owners

Auto-Owners

Best Cheap Car Insurance in Missouri

Auto-Owners holds the highest MoneyGeek Score out of the cheapest providers in Missouri at 4.86/5. The cheapest minimum rate and the top service score make Auto-Owners the default minimum coverage choice for Missouri drivers. Drivers who value excellent customer service when handling claims will find the bets experience with Auto-Owners, as well as low costs for numerous Missouri driver profiles.

Cheapest by Coverage Type

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 in Missouri for minimum coverage, charging $38 per month. The second-cheapest company for the same coverage in Missouri is Travelers, charging just $3 more per month. Both Auto-Owners and Travelers are ranked similarly for affordability, coverage options and customer service, so the cheapest option doesn't result in a quality tradeoff in Missouri. One key difference that may sway your choice is that Auto-Owners does not offer a telematics discount program in Missouri unless you're a teen driver; Travelers offers IntelliDrive for all driver ages.

Cheapest Full Coverage in Missouri

Travelers is the cheapest full coverage insurance company in Missouri at $84 per month. The cost difference between full and minimum coverage in Missouri is $46 per month — larger than the range between Missouri's cheapest and fifth-cheapest full coverage insurer ($32). Choosing the right coverage level saves more than shopping across all five major Missouri insurers.

How to Choose

If you cause an accident with minimum coverage, your policy pays the other driver's costs, but damage to your own vehicle comes entirely out of pocket. Missouri's minimums include 25/50/25 liability plus mandatory uninsured motorist (UM) coverage at 25/50. Because so many Missouri drivers are uninsured (an estimated 16.4% to 21%), it's especially worth it to have full coverage in this state to avoid paying thousands on your own.

But full coverage doesn't always make financial sense; the decision comes down to vehicle value: as a general rule, drop comprehensive and collision coverage if the cost of an annual policy is over 10% of what your vehicle is currently worth. Just make sure to have the money for repairs in case of an accident. 

If your vehicle is worth more, experts recommend carrying as much coverage as you can afford. If you finance or lease your vehicle, keeping full coverage is a requirement from your bank or lessor.

Cheapest for Teens and Young Adults

Farm Bureau is the cheapest Missouri insurer to add a 16-year-old teen drivers to a family policy ($361/month), but Travelers takes over as cheapest from every age between 17 and 25 years old, ranging from $315 to $92 per month. It costs more to insure teen males than females due to perceived driving risk, and Missouri premiums reflect that gender-based rating from 17 to 25.

The $72 drop between age 17 and 18 at Travelers is the largest single-year reduction in premiums for male drivers, going from $315 to $243 per month. Parents should re-quote when their driver turns 17 and 18; switching to Travelers at 17 saves $552 per year for male drivers.

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 for Seniors

Travelers is the cheapest insurer for seniors in Missouri, charging $86 per month for full coverage, only $2 more than its own adult baseline rate. Auto-Owners is the next-cheapest for Missouri seniors at $94 per month. That $8 monthly difference ($96 per year) separates two carriers with minimal customer experience variation: Auto-Owners at 4.58/5 versus Travelers at 4.28/5. The difference in price and service is so small that it's safe to go with the company that quotes you less.

One caveat: Travelers' IntelliDrive program monitors driving behavior and can raise rates for poor driving; seniors who enroll take on rate-increase risk alongside any potential discount.

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 by City

Auto-Owners is the cheapest insurer in 13 of 20 Missouri cities. Farm Bureau takes the remaining seven, concentrated in Kansas City suburbs (Lee's Summit, Blue Springs, Raytown, Independence) and southwest Missouri (Springfield, Cape Girardeau, Florissant).

Jefferson City has the lowest minimum coverage rates in Missouri at $29 per month through Auto-Owners; St. Louis comes in at $47, an $18 difference for the same driver at the same insurance company. That $18 difference is smaller than the $32 carrier spread between Travelers and Progressive for full coverage, so the insurer you choose matters more than where you live.

Jefferson City
Auto-Owners
$29
Sedalia
Auto-Owners
$30
Cape Girardeau
Farm Bureau
$31
Columbia
Auto-Owners
$31
Joplin
Auto-Owners
$31
Kirksville
Auto-Owners
$31
St. Charles
Auto-Owners
$31
St. Joseph
Auto-Owners
$32
St. Peters
Auto-Owners
$32
Lee's Summit
Farm Bureau
$33
O'Fallon
Auto-Owners
$33
Chesterfield
Auto-Owners
$34
Wildwood
Auto-Owners
$34
Blue Springs
Farm Bureau
$36
Raytown
Farm Bureau
$36
Independence
Farm Bureau
$37
Springfield
Farm Bureau
$37
Florissant
Farm Bureau
$39
Kansas City
Auto-Owners
$39
St. Louis
Auto-Owners
$47

Cheapest for High-Risk Drivers

Auto-Owners charges Missouri drivers with a texting violation $89 per month, the cheapest in the state and the exact same rate Auto-Owners charges drivers with a clean record. Travelers is cheapest for every other standard violation type in Missouri, from speeding at $104 per month to DWI at $116 per month. Missouri requires an SR-22 filing after a DWI, maintained for three years from the date a driver becomes eligible to reinstate their license. Travelers files SR-22 certificates directly with the state.

Missouri insurers can continue applying a rate increase for an at-fault accident for three to five years, and for a DWI for five to seven years. Re-shop at the three, five and seven year anniversary of your violation to lock in clean-record rates before your next renewal.

Kemper is cheapest for bad credit in Missouri at $209 per month. Kemper is a nonstandard insurance company: no online account management, no bundling discounts and more limited service infrastructure than standard-market carriers. The next standard-market option costs $229, a $20 per month tradeoff for full-service access. Once credit improves, re-quoting Travelers at $84 recovers $125 per month.

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 insurance companies in Missouri saves up to $32 per month, the difference between the cheapest and fifth-cheapest full coverage insurer. Choosing the right coverage level saves $46 per month. Other ways to save include bundling discounts, timing a re-shop after a violation ages off and improving your credit score.

  1. 1
    Compare at least three Missouri insurers and save up to $32 per month

    Travelers charges $84 per month for full coverage in Misouri; Progressive charges $116 — that $32 monthly difference is recoverable by re-quoting at every renewal. Drivers who last quoted more than 12 months ago may be overpaying. Auto-Owners is the second-cheapest full coverage option in Missouri at $89 and the cheapest for minimum coverage at $38; running both quotes covers the range.

  2. 2
    Match your coverage level to your vehicle value and save $46 per month

    Full coverage costs $46 per month more than minimum coverage in Missouri with the cheapest insurers ($84 vs. $38). That $46 saves $552 per year, so only carry it on a vehicle worth protecting, or if your lessor or loaning institution requires it. Missouri is an at-fault state: without full coverage, you pay all repair costs out of pocket if you cause an accident.

  3. 3
    Bundle home and auto insurance in Missouri and save on both policies

    Bundling home and auto insurance in Missouri is a great way to save on both insurance products. Look for insurers with a multi-policy discount; the exact savings vary by insurer.

  4. 4
    Re-shop before your violation rate increase window closes and recover up to $32 per month

    Missouri insurance companies can apply a rate increase for an at-fault accident for three to five years and for a DWI for five to seven years. Re-quoting two to three months before the window closes locks in the lower rate at next renewal. A Missouri driver whose DUI rate increase window expires in six months can recover up to $32 per month by switching to Travelers at clean-record rates. Drivers with a texting violation are a separate case: Auto-Owners charges $89 with a texting violation, the same as its clean-record rate. That driver saves $15 per month by quoting Auto-Owners now rather than waiting.

  5. 5
    Improve your credit score before renewal and recover up to $125 per month

    Poor credit costs Missouri drivers $125 more per month at the cheapest available insurer. Missouri permits insurers to use credit scores as a rating factor; credit improvement is the single largest rate lever available in the state, more than switching carriers or dropping coverage.

MoneyGeek collected car insurance rate data for Missouri from Quadrant Information Services, which compiles rates from state insurance filing records across all residential ZIP codes in Missouri. Insurance companies are required to file rates with the Missouri Department of Commerce and Insurance before charging them; these are filed rates, not estimates or online quote approximations.

Carriers analyzed: MoneyGeek analyzed rates from all major insurance companies operating in Missouri, excluding USAA. USAA offers competitive rates but restricts eligibility to military members, veterans, and their immediate family. Eligible drivers should include USAA in any quote comparison.

Baseline driver profile: Rates reflect a 40-year-old male driving a 2012 Toyota Camry LE with a clean driving record, good credit, 12,000 miles driven annually, and no prior claims.

Full coverage: 100/300/100 liability limits with a $1,000 deductible for both collision and comprehensive

Minimum coverage: Missouri's state-mandated minimums: 25/50/25 liability ($25,000 per person, $50,000 per accident in bodily injury, $25,000 in property damage) plus mandatory uninsured/underinsured motorist coverage at 25/50 limits

Profile variations:

  • Young drivers: ages 16–25 on standalone policies, split by gender (Missouri permits gender as a rating factor)
  • Senior drivers: 70-year-old driver on the same vehicle and coverage as the baseline
  • Violation profiles: baseline driver with one driving record variable changed; all other variables held constant
  • Credit rating is changed from good to poor for the bad credit row; Missouri permits credit scoring as a rating factor, so rates reflect filed underwriting bands
  • Coverage tier: full coverage (100/300/100 with $1,000 deductible) vs state minimum (25/50/25 with mandatory 25/50 UM/UIM)

MoneyGeek Score methodology: MoneyGeek scores carriers on three weighted factors:

  • Affordability (60%): normalized rates across all carriers within each driver profile; lower rate relative to competitors produces a higher affordability score; calculated separately per driver profile
  • Customer Experience (30%): five components including J.D. Power survey results, NAIC complaint index, AM Best financial strength ratings, agent network ratings, and Google Business ratings; 2024–2025 data weighted twice as heavily as older data
  • Coverage Options (10%): number of add-on coverages available (80%) and included benefits or unique options (20%)

State-specific notes:

  • Missouri is an at-fault state. The driver who causes an accident is responsible for the other party's injuries and property damage through liability coverage.
  • Missouri requires SR-22 filing after a DUI. The filing must be maintained for three years from the date the driver becomes eligible to reinstate their license (per Missouri DOR).
  • Missouri mandates uninsured/underinsured motorist coverage at the same limits as bodily injury liability (25/50 minimum). This coverage is included in the state minimum and cannot be waived (RSMo 303.190).
  • Missouri permits credit scoring as a rating factor and permits gender as a rating factor.
  • Kemper appears in the bad credit section as a nonstandard carrier. Nonstandard carriers specialize in high-risk underwriting and may have more limited service infrastructure than standard-market carriers.

About Mark Fitzpatrick

Mark Fitzpatrick, Licensed P&C Insurance Expert, MoneyGeek

Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.

Read Full Bio »
Sources