Cheapest Low-Income Car Insurance in Missouri

GEICO leads Missouri's budget insurance market for most driver categories, offering adults coverage at $43 monthly, young drivers at $45, those with speeding tickets at $50, accident history at $57, and bad credit at $63, while Shelter provides seniors the best rate at $45 and Travelers wins for DUI offenders at $66 per month. Our analysis found Missouri lands squarely in the middle of national affordability rankings at 32nd out of 51 states, with average minimum coverage running $56 monthly, just $2 above the $53 national baseline. 

Insurance costs across America show dramatic regional differences, spanning from Wyoming's rock-bottom $22 monthly average to New York's steep $121, creating a $99 gap between the nation's cheapest and most expensive markets. Within Missouri itself, provider selection matters considerably, as rates range from Travelers' low of $38 to some carriers charging $76 for identical 40-year-old driver profiles, a $39 monthly spread. Missouri drivers experience near-average costs nationally, avoiding both the premium spikes seen in northeastern and southeastern coastal states and the exceptional bargains found in rural mountain states like Wyoming, Idaho, and Montana.*

*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.

Progressive sweeps Missouri's family insurance market with exceptional affordability, charging married couples with teens just $22 monthly, couples without children $33, and single parents with teens $109 per month. Our analysis found Missouri ranks 28th nationally for family coverage costs, with married couples with teens paying an average of $86 monthly compared to the $83 national baseline, while state-to-state rates span from Wyoming's bargain $39 to Florida's steep $164, creating a $125 monthly variance. 

The financial impact of adding a teenage driver to a Missouri family policy averages $18 when comparing married couples with and without teens, though Progressive's remarkably low $22 rate makes it an outlier compared to other insurers charging $71 to $104 for similar coverage. Single-parent households face significantly higher premiums at $109 through Progressive versus $22 for married couples with identical teen drivers, an $87 monthly difference that reflects insurers' risk calculations for single-income families. Missouri families shopping for minimum coverage should prioritize Progressive's unbeatable rates, though State Farm at $72 and Nationwide at $71 provide competitive alternatives for married couples seeking additional coverage options or local agent support.*

*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.

Drivers in Missouri need to meet these minimum car insurance requirements:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $25,000 in property damage liability per accident

If you're leasing or financing a vehicle, you'll also need liability coverage split of 100/300/100 and comprehensive and collision protection.

Travelers offers the cheapest car insurance for most low-income drivers in Missouri. Progressive provides the best rates for those with a speeding ticket, a DUI or bad credit. Explore different providers and comparison methods to find the best deal.

Finding affordable car insurance is tough for low-income drivers. Here are answers to common questions about saving money.

Study Overview

MoneyGeek analyzed car insurance rates in Missouri using data from the Missouri Department of Commerce and Insurance and Quadrant Information Services.

Data Acquisition, Depth and Analysis

MoneyGeek reviewed 328,384 quotes from 14 companies across 370 ZIP codes to find the average cost of car insurance for drivers with low income in Missouri.

Sample Driver Profile

We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Missouri:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually

We adjusted age, family status, driving history and credit standing to find rates for certain driver profiles.

In this study, seniors are 60 or older, young drivers are 22 to 29, and adults are 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.

Coverage Levels and Deductibles

The data shows rates for minimum coverage, which follows Missouri law and are affordable for low-income drivers.