The Cheapest Car Insurance in Missouri (April 2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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

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.

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.

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.)

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.