Auto-Owners offers the cheapest liability car insurance in Missouri at $34 per month ($402 per year) — 47% below the Missouri average of $64 per month. The gap between Auto-Owners and the most expensive provider, Farmers ($143 per month, $1,711 per year), is $1,309 per year, making comparison shopping worthwhile. The rates below reflect state minimum liability-only coverage for a 40-year-old male driver with a clean record and good credit. Full coverage car insurance costs more but covers damage to your own vehicle.
Cheap Liability Car Insurance in Missouri
Updated: March 20, 2026
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Key Takeaways
Auto-Owners offers the cheapest liability car insurance in Missouri at $34/mo ($402/yr) for an adult male with a clean record and good credit — 47% below the Missouri average of $64/mo.
$64/mo ($766/yr) is the Missouri average for state minimum liability-only coverage for an adult male driver with a clean record and good credit.
A DUI is the costliest violation on this page, raising the average liability rate in Missouri to $1,222/yr — $456 more than the $766/yr clean-record average.
Cheapest Liability Car Insurance Companies in Missouri
Provider | Monthly | Annual |
|---|---|---|
Auto-Owners | $34 | $402 |
Farm Bureau | $35 | $426 |
GEICO | $39 | $473 |
Travelers | $40 | $484 |
Shelter Insurance | $47 | $563 |
Progressive | $61 | $734 |
Kemper | $64 | $768 |
AAA | $73 | $878 |
Allstate | $77 | $919 |
Nationwide | $89 | $1,067 |
Farmers | $143 | $1,711 |
The $1,309 annual gap between Auto-Owners and Farmers shows how much provider choice matters in Missouri. Farm Bureau ($35 per month) and GEICO ($39 per month) are also competitive, while Progressive ($61 per month), Kemper ($64 per month) and AAA ($73 per month) are closer to the state average. For a broader comparison, see cheapest car insurance in Missouri or best car insurance in Missouri.
Cheap Liability Car Insurance in Missouri by Age
Young drivers pay the highest liability insurance rates in Missouri, with a state average of $175 per month ($2,094 per year). Travelers offers the cheapest rate for young drivers at $87 per month ($1,039 per year). Senior drivers pay the lowest rates, with a state average of $87 per month ($1,048 per year). Farm Bureau leads for seniors at $38 per month ($458 per year).
Cheapest Liability Car Insurance in Missouri for Young Drivers
Travelers offers the cheapest liability-only coverage for young drivers in Missouri at $87 per month, with Farm Bureau close behind at $90. Young drivers in Missouri pay more than double the adult average — $2,094 per year versus $766 per year. Shopping around is worth it, as rates vary by over $1,000 annually across providers.
Provider | Monthly | Annual |
|---|---|---|
Travelers | $87 | $1,039 |
Farm Bureau | $90 | $1,078 |
Auto-Owners | $114 | $1,372 |
Shelter Insurance | $116 | $1,387 |
GEICO | $119 | $1,430 |
Progressive | $120 | $1,441 |
AAA | $190 | $2,279 |
Kemper | $198 | $2,378 |
Allstate | $234 | $2,803 |
Nationwide | $249 | $2,987 |
Farmers | $404 | $4,843 |
Young drivers in Missouri pay more than double the adult rate on average — $2,094 per year versus $766 per year. For more on how age affects rates, see car insurance rates by age and cheap car insurance for teen drivers.
Cheapest Liability Car Insurance in Missouri for Senior Drivers
Farm Bureau offers the cheapest liability-only coverage for Missouri seniors at $38 per month, well below the senior state average of $87 per month. Allstate and Farmers are the priciest options at $146 and $187 per month respectively. Seniors can save over $2,000 per year by choosing Farm Bureau over Farmers.
Provider | Monthly | Annual |
|---|---|---|
Farm Bureau | $38 | $458 |
Shelter Insurance | $50 | $594 |
Travelers | $56 | $671 |
Auto-Owners | $60 | $716 |
GEICO | $66 | $791 |
Progressive | $73 | $875 |
Kemper | $84 | $1,006 |
AAA | $88 | $1,059 |
Nationwide | $114 | $1,365 |
Allstate | $146 | $1,749 |
Farmers | $187 | $2,240 |
Cheap Liability Car Insurance in Missouri for High-Risk Drivers
Violations raise liability rates in Missouri. A speeding ticket raises the state average by $195 per year to $961 per year. An at-fault accident adds $364 per year, bringing the average to $1,130 per year. A DUI is the most expensive violation, adding $456 per year and raising the average to $1,222 per year. Missouri requires SR-22 filing after certain violations, including DUI.
Cheapest Liability Car Insurance in Missouri With a Speeding Ticket
Farm Bureau offers the cheapest liability-only coverage for Missouri drivers with a speeding ticket at $37 per month, nearly unchanged from its clean-record rate. A speeding ticket raises the Missouri average by $195 per year to $961 annually. Travelers and Auto-Owners are also competitive at $49 and $51 per month.
Provider | Monthly | Annual |
|---|---|---|
Farm Bureau | $37 | $449 |
Travelers | $49 | $590 |
Auto-Owners | $51 | $613 |
GEICO | $53 | $634 |
Shelter Insurance | $54 | $654 |
Progressive | $73 | $870 |
Kemper | $78 | $932 |
Allstate | $94 | $1,129 |
AAA | $101 | $1,208 |
Nationwide | $108 | $1,297 |
Farmers | $183 | $2,190 |
Cheapest Liability Car Insurance in Missouri After an At-Fault Accident
Farm Bureau and Travelers are the cheapest options for Missouri drivers after an at-fault accident at $51 and $52 per month. An at-fault accident raises the Missouri average by $364 per year to $1,130 annually. Farmers charges $188 per month — more than three times Farm Bureau's rate.
Provider | Monthly | Annual |
|---|---|---|
Farm Bureau | $51 | $615 |
Travelers | $52 | $628 |
Shelter Insurance | $65 | $783 |
GEICO | $66 | $790 |
Auto-Owners | $70 | $844 |
Progressive | $81 | $976 |
Kemper | $89 | $1,070 |
AAA | $112 | $1,342 |
Allstate | $127 | $1,521 |
Nationwide | $134 | $1,610 |
Farmers | $188 | $2,253 |
Cheapest Liability Car Insurance in Missouri After a DUI
Farm Bureau offers the cheapest liability-only coverage for Missouri drivers after a DUI at $47 per month, followed by Travelers at $56. A DUI is the costliest violation on this page, raising the Missouri average by $456 per year to $1,222 annually. Farmers charges $275 per month after a DUI — nearly six times Farm Bureau's rate.
Provider | Monthly | Annual |
|---|---|---|
Farm Bureau | $47 | $567 |
Travelers | $56 | $666 |
Shelter Insurance | $65 | $783 |
Kemper | $67 | $807 |
Progressive | $72 | $859 |
GEICO | $75 | $901 |
Allstate | $90 | $1,077 |
Auto-Owners | $98 | $1,179 |
AAA | $110 | $1,317 |
Nationwide | $166 | $1,986 |
Farmers | $275 | $3,301 |
Farm Bureau offers the cheapest rates across all three violation types in Missouri. For more on high-risk coverage, see Missouri DUI car insurance, SR-22 car insurance in Missouri, cheap car insurance after a bad driving record and how much rates go up after an accident.
Cheap Liability Car Insurance in Missouri With Poor Credit
Poor credit raises the Missouri liability average to $79 per month ($948 per year) — $182 more than the $64 per month ($766 per year) good-credit baseline. Farm Bureau offers the cheapest rate for Missouri drivers with poor credit at $58 per month ($694 per year).
Provider | Monthly | Annual |
|---|---|---|
Farm Bureau | $58 | $694 |
Shelter Insurance | $60 | $724 |
Auto-Owners | $60 | $725 |
GEICO | $64 | $763 |
Kemper | $64 | $769 |
Travelers | $78 | $941 |
Progressive | $89 | $1,066 |
Farmers | $91 | $1,096 |
Nationwide | $95 | $1,143 |
Allstate | $103 | $1,232 |
AAA | $106 | $1,272 |
MONEYGEEK EXPERT TIP
Missouri does not restrict the use of credit scores in auto insurance pricing. The gap between good and poor credit averages $182 per year — smaller than the DUI or at-fault surcharges, but still worth addressing before renewal.
For more on credit-based insurance pricing, see car insurance with bad credit and low income car insurance in Missouri.
How to Find Cheap Liability Car Insurance in Missouri
Start with these steps:
- 1Compare quotes from multiple insurers
Auto-Owners and Farmers differ by $1,309 per year — the widest spread in this state cluster. Farm Bureau ($35 per month) and GEICO ($39 per month) are also competitive options. For a broader comparison, see cheap liability car insurance.
- 2Maintain a clean driving record and good credit
A DUI adds $456 per year to the Missouri average; an at-fault accident adds $364 per year. Poor credit adds $182 per year. For more on what affects your rate, see why car insurance rates go up.
- 3Ask about discounts including low-mileage programs
A 10% discount on the $766 per year Missouri average saves $77 per year. Most insurers offer safe driver, multi-policy and paperless billing discounts. For a full list, see car insurance discounts.
- 4Understand what liability coverage leaves out
Liability-only coverage does not pay for damage to your own vehicle or your own medical bills. To get those protections, you'll need collision, comprehensive and medical payments coverage (MedPay) or personal injury protection (PIP). For more, see how much car insurance do I need and types of car insurance.
- 5Check your lender's requirements if financing
Most lenders require full coverage on financed vehicles. Liability-only coverage won't satisfy the loan agreement. For more, see liability insurance on a financed car and full coverage car insurance cost.
Frequently Asked Questions
What is the cheapest liability car insurance in Missouri?
Auto-Owners offers the cheapest liability car insurance in Missouri at $34 per month ($402 per year). The most expensive provider, Farmers, charges $143 per month — a $1,309 per year gap, the widest among the states in this cluster.
What is the cheapest liability car insurance in Missouri after a DUI?
Farm Bureau offers the cheapest liability rate after a DUI in Missouri at $47 per month ($567 per year). A DUI raises the state average to $1,222 per year — $456 more than the clean-record average. Missouri requires SR-22 filing after a DUI. See SR-22 car insurance in Missouri and Missouri DUI car insurance.
Does credit score affect liability car insurance rates in Missouri?
Yes — poor credit raises the Missouri liability average to $948 per year, a $182 increase over the $766 per year good-credit baseline. Missouri does not restrict credit-based pricing for auto insurance.
Rates are for a 40-year-old male driver with a clean record and good credit, state minimum liability only. Data: November 20, 2025.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.