Auto-Owners leads Missouri's insurance market with monthly rates of $34 for minimum coverage and $81 for full coverage. Missouri drivers save $40 monthly (41%) compared to other major providers. Get quotes from Travelers, GEICO, Farm Bureau and Shelter too.
Cheapest Car Insurance in Missouri
Updated: August 18, 2025
Advertising & Editorial Disclosure
Key Takeaways
Auto-Owners, Travelers and GEICO rank as the cheapest car insurance companies in Missouri, with Auto-Owners offering rates 41% below the state average.
Car insurance costs in Missouri start at $28 monthly for minimum coverage policies and $67 for full coverage on average.
To get the cheapest car insurance in Missouri, research average costs and top companies, use discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Missouri?
| Auto Owners | $34 | $81 | -41% |
| Travelers | $40 | $81 | -38% |
| Geico | $38 | $87 | -36% |
| Farm Bureau | $37 | $101 | -29% |
| Shelter Insurance | $47 | $109 | -20% |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN MISSOURI
We've created additional guides below to help you in your search for the best and cheapest car insurance in Missouri:
Best Car Insurance Rates by Category in Missouri
Travelers offers the cheapest rates for four out of our 10 driver categories in Missouri, while Auto-Owners leads three categories including adult drivers and those with older cars. Find your specific rates in the table:
| Young Drivers | Travelers | $87 |
| Adult Drivers | Auto Owners | $34 |
| Senior Drivers | Farm Bureau | $38 |
| Drivers With An Accident | Travelers | $52 |
| Drivers With A DUI | Travelers | $55 |
| Drivers With A Speeding Ticket | Farm Bureau | $39 |
| Drivers With Bad Credit | Kemper | $73 |
| Drivers With Low Income | Auto Owners | $62 |
| Drivers With Newer Cars | Travelers | $42 |
| Drivers With Old Cars | Auto Owners | $25 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Compare the Cheapest Car Insurance in Missouri for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Kemper offers the lowest rates at $192 monthly for adult drivers with poor credit and an accident record who want 100/300/100 full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Kemper | $192 | $2,308 | -38% |
| Farmers | $228 | $2,732 | -27% |
| Travelers | $231 | $2,775 | -26% |
| Farm Bureau | $245 | $2,941 | -21% |
| Shelter Insurance | $254 | $3,049 | -19% |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Missouri by City
Where you live in Missouri affects your insurance costs based on local crime, accidents and traffic density. Auto-Owners charges as little as $28 in Rolla but Travelers costs $59 in Saint Louis. Here are the cheapest providers for every Missouri city:
Data filtered by:Results filtered by:
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City:Adrian
| Adrian | Auto Owners | $31 | -42% |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
How to Get the Cheapest Car Insurance in Missouri
Comparing prices alone won't get you the lowest rates in Missouri. Here are proven ways to save the most on auto insurance:
- 1
Compare Multiple Insurance Providers
Get quotes from multiple companies through different channels: directly from insurers, independent agents and comparison sites. Your rates can vary widely depending on how you get quotes, so try all these options.
- 2
Determine Your Coverage Needs
Figure out what coverage you need before you shop. This helps you avoid paying for extras you don't need while getting enough financial protection.
- 3
Consider Lower Coverage Amounts
Consider lower coverage amounts if you're trying to cut costs. First check your finances, how much you drive and what your car is worth to make sure this makes sense.
- 4
Research Costs and Find Discounts
Look up average costs for drivers like you so you know what's normal. Check what discounts you qualify for and see if bundling home and auto insurance saves you money.
- 5
Look Into Insurance Alternatives
If you don't drive much, check out pay-per-mile insurance or telematics programs that track your driving. These options can save you money compared to regular policies.
- 6
Work on Your Risk Profile
Improve your credit score and keep a clean driving record. Better credit and safe driving usually mean lower rates over time.
- 7
Choose an Insurance-Friendly Vehicle
If you're buying a car, pick one that's cheaper to insure. Older, reliable cars usually cost less for insurance and repairs than newer or luxury models.
Risks of Getting the Cheapest Car Insurance in Missouri
Missouri requires drivers to carry liability insurance with minimum coverage of 25/50/25. This means you need $25,000 for injuries to one person, $50,000 total for injuries in one accident and $25,000 for property damage coverage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. In Missouri, average property damage claims hit $4,300 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Missouri gets hit with severe weather that damages cars regularly. The National Centers for Environmental Information reports weather-related property damage averaged $3,200 per incident in 2023. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against floods, tornadoes and severe storms that frequently hit Missouri.
Bodily injury damage is more likely to be higher than the minimum limits
Missouri's minimum bodily injury coverage of $25,000 per person often isn't enough for serious accidents. The Insurance Information Institute reports average bodily injury claims in Missouri reached $20,000 in 2023. With rising medical costs, consider increasing coverage to 50/100/50 for better financial protection against lawsuits.
Not having uninsured motorist coverage opens you up to unexpected costs
Missouri has a serious uninsured driver problem, with 14% of drivers lacking insurance according to the Insurance Information Institute. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Add uninsured motorist coverage to protect yourself financially in these situations.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Missouri, according to the National Insurance Crime Bureau. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so adding comprehensive coverage is worth it in high-risk areas.
Cheap Car Insurance in Missouri: Bottom Line
Auto-Owners offers the lowest car insurance rates in Missouri for most drivers and coverage types, according to our analysis. While the cheapest option is tempting, don't make price your only factor. Get as much coverage as you can afford to protect your finances when accidents happen.
Cheap Car Insurance in Missouri: FAQ
Below, we answer common questions about finding affordable car insurance coverage in Missouri.
What are the cheapest car insurance companies in Missouri?
Auto-Owners provides the most affordable car insurance in Missouri, with average annual rates of $408 for minimum coverage and $972 for full coverage. Travelers, GEICO, Farm Bureau and Shelter also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Missouri?
Travelers provides the most affordable rates for young drivers in Missouri, with monthly premiums starting at $87 for minimum coverage.
Who offers the cheapest car insurance rates for seniors in Missouri?
Senior drivers in Missouri can find the most competitive rates with Farm Bureau, offering policies for those 65 and older at an average of $38 per month for minimum coverage.
Who has the cheapest car insurance in Missouri for bad credit?
Kemper provides the most affordable rates for bad-credit drivers in Missouri, with monthly premiums averaging $73 for minimum coverage and $167 for full coverage.
Who has the cheapest car insurance in Missouri with an accident?
Travelers offers the most affordable car insurance rates for Missouri drivers with an accident history, starting at $52 per month for minimum coverage.
Who has the cheapest car insurance in Missouri with a DUI?
Travelers provides the cheapest car insurance after a DUI in Missouri, with rates of $55 monthly for minimum coverage and $112 monthly for full coverage.
Who has the cheapest car insurance in Missouri for those with a speeding ticket?
Missouri drivers with a speeding ticket can find the lowest insurance rates with Farm Bureau, charging $39 monthly for minimum coverage and $105 for full coverage.
Should you buy the cheapest car insurance in Missouri?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Auto-Owners balances low prices with solid coverage options in Missouri.
How We Found the Most Affordable Car Insurance in Missouri
MoneyGeek collected auto insurance data from the Missouri Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Missouri.
Missouri Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Missouri
We compared car insurance companies in Missouri that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Missouri.
The minimum coverage liability limits in Missouri are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Insurance Information Institute. "Facts + Statistics: Auto Insurance." Accessed August 19, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed August 19, 2025.
- National Centers for Environmental Information. "Climate at a Glance: Statewide Time Series." Accessed August 19, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed August 19, 2025.