To help you find the best policy for your requirements, MoneyGeek ranked the top car insurance companies in Missouri based on factors like pricing, customer experience and more. Car insurance premiums depend on several individual risk factors like location, age and driving history. You can get multiple quotes to find the right policy for you. When you compare car insurance costs from some of the most popular providers in Missouri, you could save up to $1,167.
The Best Cheap Car Insurance in Missouri for 2021
The Cheapest and Best Car Insurance in Missouri
The most affordable car insurance in Missouri is a minimum liability coverage policy. This coverage meets the minimum requirements of the state.
The cheapest car insurance providers in Missouri for minimum coverage are:
- USAA: $190 per year (for current and former military members)
- State Farm: $438 per year
Metlife is the most expensive company for minimum coverage in Missouri, costing an average of $980 per year.
Average Cost for Minimun Liability Coverage
The above quotes are average estimates of costs for a minimum liability policy and should only be used as a guide to compare car insurance prices while looking for the cheapest provider in Missouri.
These prices are only estimates based on rates for an average Missouri driver and should not be used to compare insurance prices.
Missouri’s minimum liability policy covers bodily injury and property damage liability insurance, as well as uninsured/ underinsured motorist protection. A full-coverage policy is necessary if you need coverage that protects your car from damage or if you want higher limits.
While full coverage insurance in Missouri costs more than a liability-only policy, it provides an added protection and higher limits. A full coverage policy consists of comprehensive and collision insurance that protects drivers from road accidents and off-road incidents.
Full coverage prices vary significantly between Missouri insurers. By comparing quotes from different companies, you can find the best rates.
The cheapest options for full coverage car insurance in Missouri are:
- USAA: $485 per year (for former and current military members only)
- Allstate: $893 per year
Progressive has the highest rates for a full coverage policy, with an average cost of $1,652 per year.
Average Comprehensive and Collision Rates in Missouri
Your car insurance costs may differ from these figures based on factors like your credit score, history of violations, age and more. The full-coverage policy averages shown are for comprehensive and collision insurance with $100,000 bodily injury liability coverage per person, $300,000 bodily injury liability coverage per accident and $100,000 property damage coverage per accident.
The Best Car Insurance Companies in Missouri for 2021
Based on MoneyGeek’s research, the best companies for car insurance in Missouri for most drivers are:
- Best Overall: Auto-Owners Insurance Co
- Runner-up: GEICO
USAA received the highest score in Missouri by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
To determine the best car insurance companies in Missouri, MoneyGeek took into account data from two industry-standard studies: J.D. Power’s U.S. Auto Insurance Study and AM Best’s financial strength ratings. Both studies were equally weighted, along with additional pricing data, to arrive at a final score out of 100.
While USAA provides the cheapest car insurance across the country and in Missouri, it is only available to former and current military members. The company has high claims processing, affordability, and financial stability.
USAA is the top overall provider of car insurance in Missouri based on various factors. If you are in the military and your parents also have a USAA policy, your rates may be lower than other policyholders. Drivers who garage their car on base may also qualify for better rates.Read MoneyGeek's USAA auto Insurance Review
Auto-Owners is the second-best, with a high reputation for customer satisfaction and affordability. The company also has optional coverages that protect drivers from incidents such as rekeying locks, cell-phone replacement and identity theft.
Drivers with an Auto-Owners policy may request the company’s all-day road trouble service should they get stranded on the road due to a dead battery or flat tire. The company also drops collision deductible fees for drivers who get into an accident with fellow Auto-Owners policyholders.Read MoneyGeek's Auto-Owners Insurance Co auto Insurance Review
While USAA scores highly in many areas, this provider is only available to military members, veterans and their families.
List of the Largest Insurance Companies in Missouri
The top three companies in Missouri based on market share data are State Farm, American Family and Progressive. Market share is calculated by dividing the number of premiums written by an insurer by the number of total premiums written in the state. Companies with the largest market share may not provide the best policies, but they are generally more stable financially and process legitimate customer claims more efficiently.
- CompanyMarket Share
How to Compare Cheap Missouri Car Insurance Quotes Online
Most insurers in Missouri have a section on their website where customers can request reasonably accurate quotes. Make sure to determine your specific needs before you start shopping.
Use the same coverage levels as you compare rates. For instance, if you want a comprehensive and collision policy with a $1,000 deductible, specifying this to all providers makes it easier for you to compare rates.
You can do a quick comparison by providing your ZIP code below. You may also use MoneyGeek’s data to choose which companies you want to contact for a quote.
Based on MoneyGeek’s study, the cheapest companies in Missouri are USAA, State Farm, and Allstate. You can start by getting a quote from these companies.
What Is the Average Cost of Car Insurance in Missouri?
Unique factors influence car insurance premium rates. MoneyGeek calculated the average 100/300/100 comprehensive and collision insurance rates for a typical 40-year-old male with a clean record driving a Toyota Camry. Your premiums can vary significantly from these Missouri averages based on your coverage levels, age and driving history, among other factors.
- Average Driver: $1,305
- DUI: $1,852
- Speeding Ticket: $1,575
- Poor Credit Score: $2,370
- Seniors: $1,355
- Students: $2,333
Drivers in Missouri with a serious traffic violation like a DUI pay more for car insurance. The average cost of car insurance for residents with a DUI is $1,852 per year. Drivers without a DUI pay $1,305.
Insurance companies offering the lowest rates for drivers in Missouri with a DUI are:
- USAA: $807 per year (military members only)
- State Farm: $980 per year
USAA is the cheapest for drivers in Missouri with or without a DUI. Although Allstate is one of the most affordable providers for clean drivers, State Farm has lower rates for drivers with a DUI.
Average Car Insurance Rates With a DUI
From 2009-2018, 2,506 people died in alcohol-related car crashes in Missouri. 2.2% of Missouri drivers report driving after consuming too much alcohol in the last 30 days.<.p>
Getting a DUI can cause serious legal consequences and greatly impacts the cost of car insurance. In Missouri, it’s possible to get a DUI without driving if the driver has physical control of the vehicle. A first-time offense could land a driver in jail for up to six months, while repeat offenders could see up to four years of jail time.
The above table are estimates of what drivers in Missouri can expect to pay in auto insurance if they receive a DUI. Specific figures vary, so drivers are encouraged to contact the insurance companies directly for an individualized quote.
You’ll still be able to get cheap car insurance with a DUI in Missouri by shopping around for the best rate. Taking DUI prevention steps and maintaining a good driving record can also help you lower your rate after getting a DUI.
Car insurance rates in Missouri are higher for drivers with minor traffic offenses like speeding tickets. On average, Missouri drivers with tickets pay $1,575 per year compared to drivers without a ticket who pay $1,305 annually.
The best full coverage auto insurance providers in the state for drivers with tickets are:
- USAA: $569 per year (meant for military persons only)
- State Farm: $980 per year
USAA is the most affordable option for drivers with a clean record and those with speeding tickets. State Farm outranks Allstate, the second most affordable provider for drivers without a ticket.
Average Car Insurance Rates With a Ticket
A moving violation, like a speeding ticket or distracted driving ticket, can cause your insurance rates to rise.
Most Missouri drivers know they’re not supposed to drive while texting or eating, but distracted driving still takes place every day. According to the National Highway Traffic Safety Administration, there were 848 crashes in Missouri caused by distracted driving in 2018.
The above table features estimates regarding what drivers who receive a ticket for distracted driving or speeding can expect to pay for car insurance in Missouri.
The amount a moving violation affects your car insurance rates depends on your insurance provider in addition to several other factors. In Missouri, distracted driving that causes an accident could increase your insurance rates by over 50% for three years or longer.
Poor credit scores cause a spike in car insurance costs in Missouri. The average cost for drivers with a good score in Missouri is $1,305, while drivers with poor credit scores pay an average of $2,370.
Car insurance providers that offer the best full coverage rates for drivers with poor credit scores are:
- USAA: $837 per year (only for military personnel)
- Allied: $1,354 per year
USAA is the cheapest company regardless of credit scores. Allied overtakes Allstate in terms of affordability when it comes to drivers with poor credit scores.
Average Car Insurance Rates for Drivers With Bad Credit
Insurance companies use your credit report to give you an insurance score that helps determine how likely you are to make a claim. In general, drivers with lower credit scores file more insurance claims.
The average credit score in Missouri is 701, but drivers with lower scores could see higher insurance rates. Luckily, there are still plenty of cheap options with top-rated auto insurance companies in Missouri, even if you’re in the process of increasing your credit score. The following estimates are what drivers in Missouri can expect to pay if they have poor credit scores.
There’s no way to tell how your credit score will affect your insurance rates. Each insurance carrier uses a different scoring system to determine your risk level. Your best bet is to ask for quotes from multiple companies so you can weigh your options for the best price.
Young adults and middle-aged drivers pay lower premiums than senior drivers in Missouri. On average, senior drivers pay $1,355 per year while younger drivers in the state pay $1,305.
The cheapest car insurance companies in Missouri for senior drivers are:
- USAA: $510 per year (for military members only)
- Allstate: $856 per year
Both USAA and Allstate are the cheapest for seniors in Missouri and average drivers who are 40 years old and have clean driving records.
Average Car Insurance Rates for Seniors
As you age, it can become harder to see and your reaction time could potentially slow down. This change can reduce your ability to drive safely. In 2017, 13.3% of fatal crashes in Missouri involved a driver over the age of 65.
To help prevent devastating crashes, Missouri requires drivers 70 and older to take a road sign recognition test and a vision test every three years. Maintaining regular driving tests could also help you find cheap car insurance for seniors in Missouri. The above table estimates are what seniors can expect to pay for their auto insurance in Missouri.
Car insurance rates for seniors in Missouri tend to be higher because many seniors have slower reflexes and less reliable eyesight. Shopping around with different companies and following safe driving practices is the best way to help you maintain your driving independence and cheap insurance.
Young student drivers in Missouri pay more for car insurance since they are inexperienced and riskier to insure. The average annual cost of car insurance for student drivers is $2,333, roughly double what adult drivers pay.
The cheapest full coverage policies for student drivers in Missouri come from:
- Allstate: $1,312 per year
- GEICO: $1,449 per year
Although USAA offers the best prices for an average adult driver, Allstate is the best for student drivers. Allstate is also the second most affordable company for the average driver in Missouri.
Average Car Insurance Rates for Students
Most young drivers in Missouri are added to their parents’ existing auto insurance policy. Adding your child to your policy often helps save money, as finding cheap car insurance for young drivers in Missouri can be difficult.
Missouri uses a graduated driver’s license system to help keep students safe behind the wheel. This system limits the type of driving and passengers for students who are inexperienced drivers. By college, most Missouri students are ready to apply for a full driver’s license.
Car insurance rates for young drivers are often more expensive than older drivers. Inexperienced drivers hitting the road in morning traffic for school or heading across Missouri for college can lead to an increased chance of an accident. The number of crashes involving young drivers in Missouri was over 29,000 in 2018, according to a report from the Missouri State Highway Patrol.
Insurance Rate Information for Military Drivers and Veterans
Average Rates for Missouri service members
Car Insurance in Missouri: What You Need to Know
To drive in Missouri, you must register your vehicle with the Missouri Department of Revenue and carry auto insurance. Missouri also requires vehicles to pass a safety inspection, except for vehicles under a certain age and mileage.
Proof of Insurance in Missouri
You must carry proof of car insurance when driving in Missouri. This can be a traditional insurance card or a digital version on a smartphone or other mobile device. Insurance cards should include the driver's name, insurance policy number and vehicle(s) covered. According to the Missouri Department of Revenue, state residents are must show proof of insurance in the following situations:
- When registering or renewing a car
- When asked by a law enforcement official
- When applying for or renewing a driver's license
Minimum Liability Insurance Requirements in Missouri
Missouri state law mandates that all vehicle owners and drivers have auto liability insurance coverage. The Missouri minimum auto insurance requirements are 25/50/25 coverage:
- $25,000 for each injured person per accident
- $50,000 per accident for bodily injury to two or more people
- $25,000 per accident for property damage
In addition to liability insurance, drivers in Missouri must also hold uninsured motorist coverage, with the minimum requirements as follows:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
Alternatives to Insurance in Missouri
You can drive without car insurance in Missouri if you qualify for one of three costly alternatives: a surety bond, a real estate bond or a cash/securities deposit. After filing the proper financial bonds or securities, you will receive a certificate to submit to the Department of Revenue in lieu of an auto liability insurance policy. Here are the details behind each option:
- Surety Bond: You may submit a $75,000 surety bond and power of attorney form to the Missouri Department of Revenue.
- Real Estate Bond: You must file a Justification of Sureties form to the circuit court judge in the county or city where the property is located. The form must show two or more property owners holding real estate with at least $150,000 in equity value.
- Cash or Securities Deposit: You may deposit cash or negotiable securities to meet proof of financial responsibility if you file one of the following with the State Treasurer's office: a cash deposit of at least $75,000, a Certificate of Deposit worth $75,000, stock or bonds certificates valued at $75,000 or other approved negotiable securities.
Whether you choose an insurance policy or other proof of financial responsibility, you must keep the policy in every vehicle you own or operate in the state.
How Much Coverage Do You Need in Missouri?
Motorists in Missouri are required to maintain a minimum level of liability insurance. However, the minimum required amount may not be enough to cover the cost of an accident, especially if the other driver is uninsured.
Insurance consumer groups note, drivers should ideally carry ten or more times the minimum required liability coverage. Adding collision or comprehensive coverage could be a good idea if your car is new or valuable.
Average Insurance Rate by City in Missouri
FAQs About Car Insurance in Missouri
Cost and coverage limits are the main topics discussed in car insurance questions within Missouri. Here are some of the common questions within the state.
Expert Advice on Finding Cheap Car Insurance in Missouri
To help you find credible and accurate information on car insurance in Missouri, MoneyGeek gathered expert advice from proven professionals. The views and opinions expressed are those of the individual contributor.
- What are the key factors drivers in Missouri should look for when searching for the best auto insurance coverage?
- What steps can drivers in Missouri take to find affordable car insurance?
Associate Professor and Director of the Financial Planning Program at Missouri State University
Floyd R. Gibson Missouri Endowed Professor Emeritus of Law at The University of Missouri
About the Author
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