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State Farm offers the cheapest minimum coverage car insurance in Missouri. It’s also the most affordable for drivers with violations. Nationwide is the cheapest for full coverage, seniors and drivers with bad credit. GEICO is the cheapest for teens. American Family is the cheapest for sports car drivers and young adults. USAA is the cheapest for military families.

If you want affordability and service, check out MoneyGeek’s breakdown of the best car insurance companies in Missouri.

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2023

Cheapest Car Insurance Missouri (April 2023)

Cheapest Minimum Liability Car Insurance in Missouri (April 2023)

Based on MoneyGeek’s research, the cheapest car insurance companies in Missouri for a minimum coverage policy are, on average:

  • State Farm: $416 per year
  • Nationwide: $452 per year

GEICO is the most expensive auto insurance company in the state for minimum coverage, with an average annual premium of $927.

Car insurance that meets the state’s minimum insurance requirements only covers bodily injury liability, property damage liability and uninsured motorist coverage.

Company
Annual Premium
Monthly Premium

Progressive

$403

$34

State Farm

$409

$34

State Farm

$416

$35

Nationwide

$452

$38

Progressive

$453

$38

Nationwide

$458

$38

Travelers

$496

$41

Progressive

$507

$42

A minimum coverage policy specifically covers the cost of damages or injuries caused to others, not your vehicle. If you want more robust protection that covers your car, it’s best to consider comprehensive and collision insurance, also known as a full coverage policy.

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Cheapest Full Coverage Car Insurance in Missouri (April 2023)

On average, the cheapest full coverage auto insurance in Missouri is offered by:

  • Nationwide: $909 per year
  • American Family: $994 per year

Kemper offers the most expensive full coverage car insurance at an annual average of $2,309.

Adding comprehensive and collision coverage to your car insurance increases your premium. State Farm’s full coverage option is $542 more expensive than its minimum coverage option.

Full coverage car insurance provides more financial protection when you file a claim. It protects you from on-road accident damage like hitting another car or object. It also covers off-road accidents like flooding, theft or vandalism.

Company
Annual Premium
Monthly Premium

Progressive

$403

$34

State Farm

$409

$34

State Farm

$416

$35

Nationwide

$452

$38

Progressive

$453

$38

Nationwide

$458

$38

Travelers

$496

$41

Progressive

$507

$42

How much car insurance you need will impact your rates. MoneyGeek’s sample full coverage policy features liability protection with the following limits:

  • $100,000 in bodily injury liability per person
  • $300,000 in bodily injury liability per accident
  • $100,000 in property damage liability per accident

Lowering your liability limits by removing comprehensive and collision coverage or increasing your deductible will reduce your insurance payments. However, this may result in you having inadequate coverage if you are in an accident.

How to Compare Cheap Missouri Car Insurance Quotes Online

Several car insurance providers offer quotes online, but the process can take up to 15 minutes or require you to submit personal information. To compare rates, you’ll need to share your details with different insurance websites, which may need more time.

MoneyGeek offers an auto insurance calculator that helps you get a quick estimate without the need to share your information with various insurance companies. Simply choose your age, gender and driving record below to receive estimates. After using our calculator, you’ll have a starting point to find the cheapest car insurance for your profile.

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Cheapest Car Insurance in Missouri for Teens and Their Families (April 2023)

On average, these insurance companies provide the most affordable car insurance for teens on a parent’s policy in Missouri:

  • GEICO: $1,295 per year for male teens and $1,221 per year for female teens
  • Nationwide: $2,035 per year for male teens and $1,871 for female teens

Kemper offers the most expensive coverage for teens. It costs an average of $7,078 for female teens and $8.719 for male teens.

The teens' car insurance rates significantly decrease as they age. The insurance provider offering the cheapest car insurance rates for 19-year-olds in Missouri is GEICO ($1,001).

The rates mentioned are for a 16-year-old added to their parent’s policy. Generally, it’s cheaper to add a teen to your policy than buy insurance for them separately. For example, a 16-year-old male Missouri teen might pay roughly $7,251 per year for an individual policy but could only pay around $3,348 per year if added to their parent’s existing policy. These numbers equate to a $3,903 difference in a year.

Company
Family Plan Annual Premium
Individual Plan Annual Premium

GEICO

$663

$2,152

GEICO

$683

$4,305

GEICO

$707

$2,093

GEICO

$751

$1,625

GEICO

$752

$1,731

GEICO

$759

$1,642

GEICO

$765

$1,654

GEICO

$767

$1,766

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MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Families who want to save on car insurance might be able to get discounts for young drivers. Allstate, Progressive, Travelers and State Farm offer distant student and good student discounts. Nationwide and GEICO only offer good student discounts.

Cheapest Car Insurance in Missouri for Young Adults (April 2023)

The cheapest car insurance providers in Missouri for drivers in their 20s are, on average:

  • American Family: $1,059 per year
  • Nationwide: $1,243 per year

Kemper offers the most expensive auto insurance company for young adults, averaging $2,736 per year.

Young adult drivers in the state pay $65 more than middle-aged drivers for their car insurance premiums per year from the cheapest company.

Company
Annual Premium
Monthly Premium

Progressive

$403

$34

State Farm

$409

$34

State Farm

$416

$35

Nationwide

$452

$38

Progressive

$453

$38

Nationwide

$458

$38

Travelers

$496

$41

Progressive

$507

$42

Cheapest Car Insurance in Missouri for Seniors (April 2023)

On average, the most affordable auto insurance providers in Missouri for seniors are:

  • Nationwide: $860 per year
  • American Family: $921 per year

Kemper offers the most expensive car insurance rates for seniors, averaging $2,231 annually.

Senior drivers pay slightly lower average car insurance premiums than drivers in their 40s and 50s. With the cheapest company, seniors pay around $49 less. However, when you reach your 70s or 80s, rates continue to increase.

Company
Annual Premium
Monthly Premium

Progressive

$403

$34

State Farm

$409

$34

State Farm

$416

$35

Nationwide

$452

$38

Progressive

$453

$38

Nationwide

$458

$38

Travelers

$496

$41

Progressive

$507

$42

Allstate, American Family, GEICO, Kemper and Shelter all offer discounts for seniors in Missouri. Age is one of the various factors that insurers use to compute rates. Comparing different insurance companies is the best way to find cheap and competitive coverage.

Cheapest Car Insurance in Missouri After a Ticket, Accident or DUI (April 2023)

Auto insurance companies may charge you more for insurance premiums if you incur traffic violations on record. State Farm is the cheapest car insurance for drivers with DUIs, tickets and at-fault accidents on record in Missouri.

CHEAPEST CAR INSURANCE COMPANIES AFTER A DRIVING INCIDENT

Cheapest after a ticket: State Farm ($1,125 per year)
Cheapest after an accident: State Farm ($1,202 per year)
Cheapest after a DUI: State Farm ($1,125 per year)

Cheapest Car Insurance in Missouri After a Ticket

On average, these are the car insurance companies that offer the most affordable full coverage policies in Missouri for drivers with a speeding ticket:

  • State Farm: $1,125 per year
  • Nationwide: $1,161 per year

The most expensive insurer is Kemper, at an average of $2,701 per year.

You may pay $340 more for car insurance in Missouri when you get a speeding ticket.

Company
Annual Premium
Monthly Premium

State Farm

$449

$37

State Farm

$473

$39

Nationwide

$538

$45

Progressive

$539

$45

Nationwide

$551

$46

State Farm

$564

$47

Progressive

$594

$49

Progressive

$633

$53

Cheapest Car Insurance in Missouri After an Accident

For Missouri residents who have an at-fault accident on their driving records, the least expensive full coverage car insurance providers are, on average:

  • State Farm: $1,202 per year
  • American Family: $1,207 per year

Kemper charges the most for drivers with at-fault accidents at approximately $3,275 per year.

We found that having an at-fault accident on your record will increase your premiums by around $593 per year.

Company
Annual Premium
Monthly Premium

State Farm

$488

$41

State Farm

$514

$43

State Farm

$615

$51

American Family

$674

$56

American Family

$678

$57

Travelers

$689

$57

Nationwide

$690

$58

Travelers

$716

$60

Cheapest Car Insurance in Missouri After a DUI

On average, the cheapest insurers for Missouri drivers with a DUI on their records include:

  • State Farm: $1,125 per year
  • American Family: $1,162 per year

Note that the least affordable option in the state is GEICO, at an average of $3,377 per year for drivers who incurred a DUI.

Having a DUI on your record in Missouri increases your annual premium by approximately $556 annually.

Company
Annual Premium
Monthly Premium

State Farm

$449

$37

State Farm

$473

$39

Progressive

$477

$40

Progressive

$518

$43

State Farm

$564

$47

Progressive

$573

$48

American Family

$666

$55

American Family

$670

$56

Cheapest Car Insurance in Missouri for Drivers With Poor Credit (April 2023)

On average, the most affordable car insurance companies in Missouri for drivers with poor credit are:

  • Nationwide: $1,420 per year
  • Allstate: $1,747 per year

If you have a low credit score, AAA is the most expensive car insurance at roughly $5,761 per year.

Remember that insurers check your credit score. If it’s below 580, you could pay up to $1,165 more for car insurance than those with credit scores above 750.

Company
Annual Premium
Monthly Premium

Nationwide

$1,754

$146

American Family

$1,904

$159

Travelers

$2,007

$167

State Farm

$2,386

$199

Allstate

$2,676

$223

Progressive

$2,754

$230

Kemper

$3,285

$274

GEICO

$3,340

$278

Car insurers determined that drivers with poor credit scores are more likely to file claims. Consequently, they charge these drivers more for coverage. This isn’t legal in all states, but it is in Missouri.

There are different ways to improve your credit score over time so you can qualify for lower insurance rates. However, comparing rates or taking advantage of discounts can help you save money immediately.

Cheapest Car Insurance in Missouri for Sports Cars (April 2023)

If you own a sports car, the cheapest car insurance in Missouri are, on average:

  • American Family: $930 per year
  • Nationwide: $1,058 per year

In contrast, the most expensive car insurance is Kemper. It offers an annual average of $2,709 to insure a sports car.

Most sports cars cost more to repair, so they usually have higher car insurance premiums than a standard vehicle. However, in Missouri, it actually costs around $92 less to insure a Mustang than it does to insure a Toyota Camry.

Company
Annual Premium
Monthly Premium

Progressive

$403

$34

State Farm

$409

$34

State Farm

$416

$35

Nationwide

$452

$38

Progressive

$453

$38

Nationwide

$458

$38

Travelers

$496

$41

Progressive

$507

$42

MoneyGeek used a Ford Mustang for the sample sports car quotes. Note that car insurance rates vary on the car model. Although car models may not play a huge part in determining rates, luxury, electric, hybrid and sports cars typically cost more to insure than other cars. However, this might not be true in Missouri.

Cheapest Car Insurance in Missouri for Military Drivers (April 2023)

We discovered that the most affordable car insurance company in Missouri for military personnel is USAA. It costs around $632 per year.

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MoneyGeek Top Pick
USAA
  • $632 per year
  • Ranks first out of 11 insurers for affordability

USAA offers discounts that may benefit military families. For example, it offers a vehicle storage discount that allows policyholders to save up to 60%. It also offers a legacy discount that lets you save if you are under 25 and previously insured on your parent’s USAA policy.

Cheapest Car Insurance in Missouri by City

Many factors affect the cost of your car insurance, including the city you live in. If you live in a city in Missouri with a high rate of theft, vandalism or accidents, you’ll be more likely to file insurance claims and will pay higher premiums.

MoneyGeek found that Columbia has the most affordable rates in the state, averaging $791 from Nationwide. This insurer is also the cheapest in St. Louis, but the rates are substantially higher at approximately $1,379.

If you want to compare average auto insurance costs by location, we’ve listed average rates in different Missouri cities.

City
Cheapest Company
Annual Premium

Columbia

Nationwide

$791

Independence

Nationwide

$942

Kansas City

Nationwide

$1,014

Springfield

Nationwide

$888

St. Louis

Nationwide

$1,379

Car Insurance in Missouri: What You Need to Know

Missouri requires drivers to buy property damage liability, bodily injury liability and uninsured motorist coverage.

Missouri Car Insurance Requirements

Missouri law mandates drivers have an auto insurance policy that adheres to the minimum state requirements for property damage liability insurance, uninsured motorist coverage and personal injury protection. A minimum insurance coverage policy will save you money, but it provides less protection in an accident.

The state also requires SR-22 insurance for serious driving offenses like reckless driving, driving with a suspended license and more. Your required coverage may increase if you need an SR-22.

  • accident2 icon

    Property Damage Liability

    Missouri drivers need to carry $25,000 coverage in property damage liability per accident. If you have an accident that damages another person’s property and the cost exceeds $25,000, you’ll pay the excess out of pocket.

  • male icon

    Bodily Injury Liability

    When you injure someone in an accident, this will cover the medical expenses incurred. Missouri drivers require at least $25K bodily injury liability per person and $50K per accident. If there are major injuries that exceed these limits, you’ll need to use your health insurance or pay out of your own pocket.

  • carInsurance icon

    Uninsured motorist coverage

    This coverage protects you if an uninsured driver hits you. You’re required to have at least $25,000 uninsured motorist coverage per person and $50,000 uninsured motorist coverage per accident. You’ll pay out of pocket if the expenses exceed the amount.

MoneyGeek suggests adding liability insurance of at least $100,000 per injury and $300,000 per accident and increasing property damage coverage to $100,000. Including comprehensive and collision insurance may also be better if you finance your car.

Comprehensive insurance pays for repairs or car replacement costs if off-road accidents cause it to be totaled. Collision insurance covers damage from another vehicle or an object like a tree, mailbox or telephone post.

If you have a valuable car, getting collision and comprehensive insurance can be a wise choice.

Car Insurance Alternatives in Missouri

There are some car insurance alternatives in Missouri you can try. For example, you can file proof of financial responsibility with the Missouri Department of Revenue or get a certificate of self-insurance if you run a company or religious organization.

For proof of financial responsibility, you may submit either of these:

  • Surety bond
  • Real estate bond
  • Deposit of cash or negotiable securities (e.g., stocks, bonds, CD's, etc.)

FAQs About Car Insurance in Missouri

If you are looking for car insurance in Missouri, you may have questions about cost and quality. Here are some of the most frequently asked questions.

Expert Advice on Finding Cheap Car Insurance in Missouri

To help you find credible and accurate insight on car insurance in Missouri, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

  1. How does the Missouri Department of Commerce and Insurance act as a resource for consumers in regard to auto insurance? And home insurance?
  2. What are the key factors drivers in Missouri should look for when searching for the best auto insurance coverage?
  3. What steps can drivers in Missouri take to find affordable car insurance?
  4. What resources does the Missouri Department of Commerce and Insurance have for consumers?
Carrie Couch
Carrie Couch

Director of the Consumer Affairs Division for the Missouri Department of Commerce and Insurance

James Philpot
James Philpot

Associate Professor & Director of the Financial Planning Program at Missouri State University

Robert H. Jerry, II
Robert H. Jerry, II

Floyd R. Gibson Missouri Endowed Professor Emeritus of Law at The University of Missouri

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.


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