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Progressive offers the cheapest car insurance in Missouri. American Family and Nationwide are also solid options, depending on your driver profile.

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

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2023

Table of Contents

Cheapest Minimum Liability Car Insurance in Missouri (September 2023)

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

  • Progressive: $363 per year
  • Nationwide: $452 per year

Of the company's MoneyGeek reviewed, GEICO is the most expensive auto insurance company in the state for minimum coverage, with an average annual premium of $990.

Car insurance that meets Missouri's minimum insurance requirement only includes bodily injury liability, property damage liability and uninsured/underinsured motorist coverage.

Company
Annual Premium
Monthly Premium

Progressive

$323

$27

Progressive

$363

$30

Progressive

$410

$34

Nationwide

$452

$38

Nationwide

$458

$38

Travelers

$498

$42

Shelter

$502

$42

Travelers

$548

$46

American Family

$564

$47

State Farm

$564

$47

American Family

$570

$48

State Farm

$574

$48

Travelers

$575

$48

Shelter

$597

$50

American Family

$611

$51

Nationwide

$631

$53

State Farm

$708

$59

Allstate

$714

$60

AAA

$734

$61

Allstate

$745

$62

Kemper

$770

$64

Kemper

$798

$67

AAA

$820

$68

Nationwide

$860

$72

Kemper

$865

$72

Allstate

$892

$74

Nationwide

$909

$76

Shelter

$910

$76

American Family

$921

$77

GEICO

$990

$83

American Family

$994

$83

AAA

$1,047

$87

American Family

$1,059

$88

Travelers

$1,060

$88

GEICO

$1,060

$88

GEICO

$1,060

$88

Travelers

$1,071

$89

Progressive

$1,080

$90

Shelter

$1,108

$92

Progressive

$1,122

$94

Allstate

$1,189

$99

Allstate

$1,191

$99

Nationwide

$1,243

$104

State Farm

$1,244

$104

Travelers

$1,262

$105

State Farm

$1,320

$110

Shelter

$1,330

$111

Progressive

$1,408

$117

Allstate

$1,582

$132

AAA

$1,583

$132

State Farm

$1,668

$139

AAA

$1,783

$149

Shelter

$2,024

$169

GEICO

$2,096

$175

GEICO

$2,111

$176

Kemper

$2,231

$186

AAA

$2,292

$191

Kemper

$2,309

$192

GEICO

$2,319

$193

Kemper

$2,736

$228

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

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Cheapest Full Coverage Car Insurance in Missouri (September 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. Nationwide's full coverage policy is $631 more expensive than its minimum coverage policy.

Full coverage car insurance provides more financial protection because it covers your vehicle. It protects you from on-road accident damage like hitting another car or object. It also covers off-road incidents like flooding, theft or vandalism.

Company
Annual Premium
Monthly Premium

Progressive

$323

$27

Progressive

$363

$30

Progressive

$410

$34

Nationwide

$452

$38

Nationwide

$458

$38

Travelers

$498

$42

Shelter

$502

$42

Travelers

$548

$46

American Family

$564

$47

State Farm

$564

$47

American Family

$570

$48

State Farm

$574

$48

Travelers

$575

$48

Shelter

$597

$50

American Family

$611

$51

Nationwide

$631

$53

State Farm

$708

$59

Allstate

$714

$60

AAA

$734

$61

Allstate

$745

$62

Kemper

$770

$64

Kemper

$798

$67

AAA

$820

$68

Nationwide

$860

$72

Kemper

$865

$72

Allstate

$892

$74

Nationwide

$909

$76

Shelter

$910

$76

American Family

$921

$77

GEICO

$990

$83

American Family

$994

$83

AAA

$1,047

$87

American Family

$1,059

$88

Travelers

$1,060

$88

GEICO

$1,060

$88

GEICO

$1,060

$88

Travelers

$1,071

$89

Progressive

$1,080

$90

Shelter

$1,108

$92

Progressive

$1,122

$94

Allstate

$1,189

$99

Allstate

$1,191

$99

Nationwide

$1,243

$104

State Farm

$1,244

$104

Travelers

$1,262

$105

State Farm

$1,320

$110

Shelter

$1,330

$111

Progressive

$1,408

$117

Allstate

$1,582

$132

AAA

$1,583

$132

State Farm

$1,668

$139

AAA

$1,783

$149

Shelter

$2,024

$169

GEICO

$2,096

$175

GEICO

$2,111

$176

Kemper

$2,231

$186

AAA

$2,292

$191

Kemper

$2,309

$192

GEICO

$2,319

$193

Kemper

$2,736

$228

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, 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 and requires you to submit personal information. Comparing rates from multiple companies involves a great deal of time.

MoneyGeek offers an auto insurance calculator that helps you get a quick estimate without the need to share personal information with various insurance companies. Simply choose your age, gender and driving record 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 by Age (September 2023)

Age is one of the biggest factors affecting car insurance rates in Missouri. MoneyGeek found that GEICO, Nationwide or American Family offer the cheapest options, depending on what age group you and your family belong to.

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CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: GEICO
Cheapest for young adults: American Family
Cheapest for seniors: Nationwide

Cheapest Car Insurance in Missouri for Teens and Their Families (September 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.

A teen's 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 on their parent’s policy. Generally, it’s cheaper to add a teen to your policy than buy insurance for them separately. Plus, most teens under 18 need a parent or guardian as a co-signer to legally purchase auto insurance. 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

GEICO

$798

$5,031

GEICO

$800

$1,841

GEICO

$844

$1,942

GEICO

$848

$2,754

GEICO

$861

$1,863

GEICO

$896

$2,654

GEICO

$942

$5,093

GEICO

$963

$3,130

Travelers

$973

$1,222

GEICO

$1,001

$2,964

Travelers

$1,006

$1,277

Nationwide

$1,047

$1,647

Nationwide

$1,053

$1,806

Nationwide

$1,056

$1,197

GEICO

$1,073

$5,799

Nationwide

$1,076

$1,289

Travelers

$1,085

$1,362

State Farm

$1,095

$1,113

Travelers

$1,119

$1,405

Travelers

$1,140

$1,447

Travelers

$1,165

$1,629

Travelers

$1,193

$1,498

Allstate

$1,206

$3,028

Allstate

$1,206

$3,028

State Farm

$1,212

$1,232

Nationwide

$1,214

$1,376

Allstate

$1,216

$1,754

Allstate

$1,216

$1,754

GEICO

$1,221

$7,697

State Farm

$1,223

$1,243

Travelers

$1,223

$1,552

Nationwide

$1,249

$1,497

Allstate

$1,250

$1,350

Allstate

$1,250

$1,350

Nationwide

$1,279

$1,450

GEICO

$1,295

$7,003

Allstate

$1,314

$1,419

Allstate

$1,314

$1,419

Nationwide

$1,315

$1,577

State Farm

$1,316

$1,338

Travelers

$1,335

$1,897

Travelers

$1,345

$1,707

Nationwide

$1,357

$1,538

Travelers

$1,359

$1,901

State Farm

$1,379

$1,402

State Farm

$1,383

$1,601

Allstate

$1,385

$1,495

Allstate

$1,385

$1,495

Nationwide

$1,403

$1,682

Allstate

$1,408

$2,032

Allstate

$1,408

$2,032

Travelers

$1,423

$2,774

State Farm

$1,458

$1,482

Allstate

$1,466

$1,583

Allstate

$1,466

$1,583

Nationwide

$1,473

$2,316

Nationwide

$1,512

$2,595

State Farm

$1,519

$1,544

Travelers

$1,569

$2,194

Travelers

$1,575

$2,239

State Farm

$1,582

$1,832

Nationwide

$1,587

$3,100

Allstate

$1,603

$2,313

Allstate

$1,603

$2,313

Allstate

$1,609

$4,037

Allstate

$1,609

$4,037

State Farm

$1,671

$1,932

Nationwide

$1,681

$2,644

Travelers

$1,712

$3,400

State Farm

$1,716

$1,744

Nationwide

$1,721

$3,576

Travelers

$1,753

$3,415

State Farm

$1,782

$2,063

State Farm

$1,800

$2,356

Nationwide

$1,801

$3,518

Nationwide

$1,801

$3,092

Progressive

$1,850

$1,684

Travelers

$1,852

$2,633

Nationwide

$1,871

$3,656

Nationwide

$1,954

$4,063

Progressive

$1,956

$1,695

State Farm

$1,960

$2,267

Nationwide

$2,035

$4,230

Progressive

$2,049

$1,867

State Farm

$2,053

$2,688

Progressive

$2,063

$2,423

Progressive

$2,122

$1,843

Travelers

$2,148

$4,267

Allstate

$2,166

$5,436

Allstate

$2,166

$5,436

Kemper

$2,181

$2,571

State Farm

$2,238

$2,589

Progressive

$2,258

$1,962

Travelers

$2,266

$4,416

Progressive

$2,269

$2,749

Progressive

$2,273

$2,071

State Farm

$2,280

$2,963

State Farm

$2,335

$3,057

Progressive

$2,422

$2,105

Kemper

$2,461

$2,901

Progressive

$2,534

$2,307

State Farm

$2,606

$3,386

Progressive

$2,624

$3,087

Kemper

$2,785

$3,285

Travelers

$2,845

$5,651

Progressive

$2,881

$3,497

Kemper

$2,926

$3,451

State Farm

$2,967

$3,855

Progressive

$2,997

$3,530

Progressive

$3,004

$5,616

Kemper

$3,108

$3,667

Kemper

$3,173

$6,580

Progressive

$3,173

$5,960

Progressive

$3,270

$6,269

Kemper

$3,283

$3,872

Progressive

$3,318

$4,030

Kemper

$3,362

$4,052

Progressive

$3,413

$6,559

Progressive

$3,471

$6,501

Kemper

$3,501

$4,128

Progressive

$3,713

$7,119

Kemper

$3,801

$4,482

Kemper

$3,898

$8,056

Kemper

$3,956

$4,769

Kemper

$4,126

$4,954

Kemper

$4,151

$8,605

Kemper

$4,693

$5,656

Kemper

$4,847

$5,821

Kemper

$5,106

$10,548

Kemper

$5,757

$6,912

Kemper

$7,078

$14,680

Kemper

$8,719

$18,021

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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, as male teens are considered higher risk. 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 (September 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 for young adults, averaging $2,736 per year.

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

Company
Annual Premium
Monthly Premium

Progressive

$323

$27

Progressive

$363

$30

Progressive

$410

$34

Nationwide

$452

$38

Nationwide

$458

$38

Travelers

$498

$42

Shelter

$502

$42

Travelers

$548

$46

American Family

$564

$47

State Farm

$564

$47

American Family

$570

$48

State Farm

$574

$48

Travelers

$575

$48

Shelter

$597

$50

American Family

$611

$51

Nationwide

$631

$53

State Farm

$708

$59

Allstate

$714

$60

AAA

$734

$61

Allstate

$745

$62

Kemper

$770

$64

Kemper

$798

$67

AAA

$820

$68

Nationwide

$860

$72

Kemper

$865

$72

Allstate

$892

$74

Nationwide

$909

$76

Shelter

$910

$76

American Family

$921

$77

GEICO

$990

$83

American Family

$994

$83

AAA

$1,047

$87

American Family

$1,059

$88

Travelers

$1,060

$88

GEICO

$1,060

$88

GEICO

$1,060

$88

Travelers

$1,071

$89

Progressive

$1,080

$90

Shelter

$1,108

$92

Progressive

$1,122

$94

Allstate

$1,189

$99

Allstate

$1,191

$99

Nationwide

$1,243

$104

State Farm

$1,244

$104

Travelers

$1,262

$105

State Farm

$1,320

$110

Shelter

$1,330

$111

Progressive

$1,408

$117

Allstate

$1,582

$132

AAA

$1,583

$132

State Farm

$1,668

$139

AAA

$1,783

$149

Shelter

$2,024

$169

GEICO

$2,096

$175

GEICO

$2,111

$176

Kemper

$2,231

$186

AAA

$2,292

$191

Kemper

$2,309

$192

GEICO

$2,319

$193

Kemper

$2,736

$228

Cheapest Car Insurance in Missouri for Seniors (September 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 aged 60+, 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 they reach their 70s or 80s, rates increase due to a higher risk of accidents.

Company
Annual Premium
Monthly Premium

Progressive

$323

$27

Progressive

$363

$30

Progressive

$410

$34

Nationwide

$452

$38

Nationwide

$458

$38

Travelers

$498

$42

Shelter

$502

$42

Travelers

$548

$46

American Family

$564

$47

State Farm

$564

$47

American Family

$570

$48

State Farm

$574

$48

Travelers

$575

$48

Shelter

$597

$50

American Family

$611

$51

Nationwide

$631

$53

State Farm

$708

$59

Allstate

$714

$60

AAA

$734

$61

Allstate

$745

$62

Kemper

$770

$64

Kemper

$798

$67

AAA

$820

$68

Nationwide

$860

$72

Kemper

$865

$72

Allstate

$892

$74

Nationwide

$909

$76

Shelter

$910

$76

American Family

$921

$77

GEICO

$990

$83

American Family

$994

$83

AAA

$1,047

$87

American Family

$1,059

$88

Travelers

$1,060

$88

GEICO

$1,060

$88

GEICO

$1,060

$88

Travelers

$1,071

$89

Progressive

$1,080

$90

Shelter

$1,108

$92

Progressive

$1,122

$94

Allstate

$1,189

$99

Allstate

$1,191

$99

Nationwide

$1,243

$104

State Farm

$1,244

$104

Travelers

$1,262

$105

State Farm

$1,320

$110

Shelter

$1,330

$111

Progressive

$1,408

$117

Allstate

$1,582

$132

AAA

$1,583

$132

State Farm

$1,668

$139

AAA

$1,783

$149

Shelter

$2,024

$169

GEICO

$2,096

$175

GEICO

$2,111

$176

Kemper

$2,231

$186

AAA

$2,292

$191

Kemper

$2,309

$192

GEICO

$2,319

$193

Kemper

$2,736

$228

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 for Higher Risk Drivers (September 2023)

Auto insurance companies may charge you more for insurance if you incur traffic violations on your motor vehicle record. American Family has the cheapest car insurance for drivers with a DUI, speeding ticket or at-fault accident in Missouri.

CHEAPEST FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Nationwide ($1,161 per year)
Cheapest after an accident: American Family ($1,207 per year)
Cheapest after a DUI: American Family ($1,162 per year)
Cheapest for poor credit: Nationwide ($1,420 per year)
Cheapest for sports cars: American Family ($930 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:

  • Nationwide: $1,161 per year
  • American Family: $1,162 per year

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

You may pay $327 more for car insurance in Missouri when you get a speeding ticket.

Company
Annual Premium
Monthly Premium

Progressive

$434

$36

Progressive

$479

$40

Progressive

$514

$43

Nationwide

$538

$45

Nationwide

$551

$46

State Farm

$619

$52

Shelter

$653

$54

State Farm

$653

$54

Travelers

$662

$55

American Family

$666

$55

American Family

$670

$56

Travelers

$687

$57

American Family

$712

$59

Travelers

$738

$62

Nationwide

$742

$62

State Farm

$779

$65

Shelter

$781

$65

Allstate

$845

$70

Allstate

$888

$74

Kemper

$929

$77

Kemper

$999

$83

AAA

$1,009

$84

Allstate

$1,027

$86

Kemper

$1,047

$87

Shelter

$1,063

$89

Nationwide

$1,074

$89

American Family

$1,083

$90

AAA

$1,151

$96

Nationwide

$1,161

$97

American Family

$1,162

$97

GEICO

$1,178

$98

GEICO

$1,223

$102

American Family

$1,238

$103

GEICO

$1,315

$110

State Farm

$1,339

$112

Allstate

$1,371

$114

Travelers

$1,392

$116

Nationwide

$1,398

$117

Shelter

$1,413

$118

Travelers

$1,433

$119

Progressive

$1,439

$120

State Farm

$1,469

$122

AAA

$1,471

$123

Progressive

$1,488

$124

Allstate

$1,491

$124

Travelers

$1,509

$126

Shelter

$1,700

$142

Progressive

$1,709

$142

State Farm

$1,799

$150

Allstate

$1,844

$154

AAA

$2,105

$175

Shelter

$2,334

$194

AAA

$2,415

$201

GEICO

$2,483

$207

GEICO

$2,602

$217

GEICO

$2,639

$220

Kemper

$2,665

$222

Kemper

$2,701

$225

AAA

$3,096

$258

Kemper

$3,211

$268

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:

  • American Family: $1,207 per year
  • Travelers: $1,433 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 premium by around $569 per year.

Company
Annual Premium
Monthly Premium

Progressive

$581

$48

Progressive

$663

$55

Progressive

$670

$56

State Farm

$673

$56

American Family

$674

$56

American Family

$678

$57

Nationwide

$690

$58

Travelers

$693

$58

State Farm

$710

$59

Travelers

$720

$60

American Family

$721

$60

Nationwide

$732

$61

Shelter

$738

$62

Travelers

$777

$65

State Farm

$849

$71

Shelter

$885

$74

Nationwide

$945

$79

Allstate

$948

$79

Allstate

$998

$83

Kemper

$1,071

$89

AAA

$1,119

$93

American Family

$1,123

$94

Kemper

$1,153

$96

Allstate

$1,164

$97

Kemper

$1,204

$100

American Family

$1,207

$101

Shelter

$1,208

$101

AAA

$1,282

$107

American Family

$1,289

$107

GEICO

$1,349

$112

Nationwide

$1,354

$113

GEICO

$1,406

$117

Travelers

$1,433

$119

State Farm

$1,434

$120

Nationwide

$1,463

$122

Travelers

$1,484

$124

Allstate

$1,541

$128

GEICO

$1,546

$129

Travelers

$1,554

$129

State Farm

$1,572

$131

Shelter

$1,585

$132

AAA

$1,643

$137

Allstate

$1,675

$140

Progressive

$1,794

$150

Nationwide

$1,826

$152

Shelter

$1,909

$159

Progressive

$1,929

$161

State Farm

$1,930

$161

Allstate

$2,083

$174

Progressive

$2,093

$174

AAA

$2,315

$193

Shelter

$2,626

$219

AAA

$2,663

$222

GEICO

$2,841

$237

GEICO

$3,004

$250

GEICO

$3,018

$251

Kemper

$3,226

$269

Kemper

$3,275

$273

AAA

$3,422

$285

Kemper

$3,907

$326

Cheapest Car Insurance in Missouri After a DUI

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

  • American Family: $1,162 per year
  • Progressive: $1,312 per year

Note that the least affordable option in the state is GEICO, at an average of $3,610 per year for drivers who incurred a DUI.

Having a DUI on your record in Missouri increases your annual premium by approximately $543 annually.

Company
Annual Premium
Monthly Premium

Progressive

$383

$32

Progressive

$417

$35

Progressive

$465

$39

State Farm

$619

$52

State Farm

$653

$54

American Family

$666

$55

American Family

$670

$56

American Family

$712

$59

Shelter

$738

$62

Travelers

$762

$64

State Farm

$779

$65

Travelers

$792

$66

Kemper

$807

$67

Kemper

$835

$70

Nationwide

$850

$71

Travelers

$854

$71

Shelter

$885

$74

Nationwide

$901

$75

Kemper

$906

$75

Allstate

$972

$81

Allstate

$1,024

$85

American Family

$1,083

$90

AAA

$1,099

$92

Nationwide

$1,113

$93

American Family

$1,162

$97

Allstate

$1,196

$100

Shelter

$1,208

$101

American Family

$1,238

$103

AAA

$1,256

$105

Progressive

$1,312

$109

State Farm

$1,339

$112

Progressive

$1,340

$112

State Farm

$1,469

$122

Travelers

$1,566

$131

Progressive

$1,581

$132

Shelter

$1,585

$132

Allstate

$1,594

$133

AAA

$1,611

$134

Travelers

$1,630

$136

GEICO

$1,644

$137

Nationwide

$1,664

$139

Travelers

$1,696

$141

GEICO

$1,697

$141

Allstate

$1,731

$144

Nationwide

$1,773

$148

State Farm

$1,799

$150

Shelter

$1,909

$159

GEICO

$2,004

$167

Nationwide

$2,150

$179

Allstate

$2,160

$180

AAA

$2,276

$190

Kemper

$2,341

$195

Kemper

$2,426

$202

AAA

$2,616

$218

Shelter

$2,626

$219

Kemper

$2,870

$239

AAA

$3,361

$280

GEICO

$3,610

$301

GEICO

$3,638

$303

GEICO

$3,976

$331

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

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

  • Nationwide: $1,420 per year
  • Travelers: $1,763 per year

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

Remember that insurers check your credit history. If your score is below 580, you could pay up to $1,118 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

$2,026

$169

Progressive

$2,377

$198

Allstate

$2,547

$212

State Farm

$3,131

$261

Shelter

$3,148

$262

Kemper

$3,285

$274

GEICO

$3,573

$298

AAA

$7,202

$600

Progressive

$651

$54

Nationwide

$888

$74

Travelers

$906

$75

Kemper

$1,039

$87

American Family

$1,118

$93

Allstate

$1,324

$110

Shelter

$1,423

$119

State Farm

$1,492

$124

GEICO

$1,564

$130

AAA

$3,268

$272

Nationwide

$1,420

$118

Travelers

$1,763

$147

American Family

$1,776

$148

Progressive

$1,973

$164

Allstate

$2,035

$170

Shelter

$2,076

$173

State Farm

$2,502

$208

Kemper

$2,779

$232

GEICO

$3,239

$270

AAA

$5,761

$480

Progressive

$538

$45

Nationwide

$633

$53

Travelers

$824

$69

Kemper

$925

$77

Shelter

$936

$78

American Family

$1,037

$86

Allstate

$1,126

$94

State Farm

$1,238

$103

GEICO

$1,455

$121

AAA

$2,618

$218

Nationwide

$1,294

$108

American Family

$1,655

$138

Shelter

$1,733

$144

Travelers

$1,738

$145

Progressive

$1,839

$153

Allstate

$1,852

$154

State Farm

$2,307

$192

Kemper

$2,859

$238

GEICO

$3,218

$268

AAA

$5,105

$425

Progressive

$517

$43

Nationwide

$622

$52

Shelter

$788

$66

Travelers

$852

$71

Kemper

$1,006

$84

American Family

$1,019

$85

Allstate

$1,067

$89

State Farm

$1,170

$98

GEICO

$1,566

$130

AAA

$2,322

$193

Using actuarial data, car insurers determined that drivers with poor credit-based insurance scores or credit history 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 (September 2023)

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

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

In contrast, the most expensive car insurance is with Kemper. It offers an annual average rate 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 $149 less to insure a Ford Mustang than it does to insure a Toyota Camry.

Company
Annual Premium
Monthly Premium

Progressive

$323

$27

Progressive

$363

$30

Progressive

$410

$34

Nationwide

$452

$38

Nationwide

$458

$38

Travelers

$498

$42

Shelter

$502

$42

Travelers

$548

$46

American Family

$564

$47

State Farm

$564

$47

American Family

$570

$48

State Farm

$574

$48

Travelers

$575

$48

Shelter

$597

$50

American Family

$611

$51

Nationwide

$631

$53

State Farm

$708

$59

Allstate

$714

$60

AAA

$734

$61

Allstate

$745

$62

Kemper

$770

$64

Kemper

$798

$67

AAA

$820

$68

Kemper

$865

$72

American Family

$866

$72

Allstate

$892

$74

Shelter

$910

$76

American Family

$930

$77

Nationwide

$956

$80

American Family

$989

$82

GEICO

$990

$83

Travelers

$1,031

$86

AAA

$1,047

$87

Nationwide

$1,058

$88

GEICO

$1,060

$88

GEICO

$1,060

$88

Travelers

$1,081

$90

Progressive

$1,181

$98

Allstate

$1,194

$100

Travelers

$1,244

$104

Allstate

$1,314

$110

Progressive

$1,380

$115

Nationwide

$1,411

$118

State Farm

$1,457

$121

State Farm

$1,602

$134

Allstate

$1,617

$135

Progressive

$1,792

$149

State Farm

$1,987

$166

GEICO

$2,298

$192

GEICO

$2,430

$203

Kemper

$2,563

$214

GEICO

$2,708

$226

Kemper

$2,709

$226

Kemper

$3,237

$270

MoneyGeek used a Ford Mustang for the sample sports car quotes. Note that car insurance rates vary by 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 (September 2023)

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

USAA is a company that specializes in providing services for veterans and active-duty military personnel and their families. The average premium for a USAA policy is $1,466 per year.

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

American Family offers discounts that may benefit military families. It also offers discounts for bundling, being a good student, insuring multiple vehicles and being a safe driver.

mglogo icon
MONEYGEEK EXPERT TIP

Current and former members of the military and National Guard and Reserves members should consider getting a quote from GEICO since it offers multiple discounts to them specifically. With GEICO, they may save up to 15% on their total insurance premium.Mark Friedlander, Director, Corporate Communications, Insurance Information Institute

Cheapest Car Insurance in Missouri by City

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

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/underinsured motorist coverage.

Missouri Car Insurance Requirements

Missouri law mandates drivers have an auto insurance policy that adheres to the state's minimum limits for property damage liability, bodily injury liability and uninsured/underinsured motorist coverage. A minimum coverage policy will save you money, but it provides less protection in an at-fault 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 to file an SR-22 certificate with the state.

  • 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 statutes require drivers to carry 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 pay out of your own pocket.

  • carInsurance icon

    Uninsured/underinsured motorist coverage

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

MoneyGeek suggests carrying liability insurance of at least $100,000 for bodily injury per person and $300,000 per accident and property damage liability per accident of $100,000.

If you have a loan for your car or lease it, you likely need comprehensive and collision coverage, too. In general, insurance professionals recommend carrying both coverages for a greater level of financial protection.

Comprehensive insurance covers all non-collision losses, such as theft, vandalism, fire, weather hazards and cracked windshields. 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 is 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, CDs, 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?
Robert H. Jerry, II
Robert H. Jerry, II

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

James Philpot
James Philpot

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

Carrie Couch
Carrie Couch

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

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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