Car Insurance in Missouri: How to Find the Policy That Fits You

We analyzed different situations and found solutions accordingly in Missouri for all your car insurance needs.

Find the Best or Cheapest Car Insurance in Missouri

MoneyGeek compiled quotes from car insurers in Missouri and analyzed them to find the cheapest car insurer in the state. Our unique scoring system is used to find the best companies that balance cost and affordability. If you want to compare the overall cost, we broke down the cost of car insurance depending on a variety of factors such as age, driving record and more.

MoneyGeek evaluated the most affordable and best car insurance policies for different types of drivers’ profiles. The summary of what you’ll find is in the table below. All recommendations are for a full coverage policy unless otherwise noted.

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THE CHEAPEST CAR INSURANCE COMPANIES IN MISSOURI
  • Minimum liability: State Farm
  • Full coverage: Allstate
  • Drivers with a DUI: State Farm
  • After an accident: USAA
  • Drivers with a ticket: State Farm
  • Drivers with bad credit: Allied
  • Senior drivers: Allstate
  • Student drivers: Allstate
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THE BEST CAR INSURANCE COMPANIES IN MISSOURI
  • Overall: Allstate
  • Customer Service: Auto-Owners Insurance Co
  • On a Budget: State Farm
  • Poor Driving Record: Allstate
  • Military: USAA
  • Young Drivers: Allstate
  • New Cars: Allstate
  • Low-Mileage Drivers: Nationwide

Get a Missouri Car Insurance Quote

MoneyGeek found that car insurance quotes in Missouri can vary by as much as $1,167 per year for the same driver across different car insurance providers in the state. To find the most affordable car insurance in Missouri, it is important to compare quotes across different insurers. It shouldn’t take you long to get a quote from an individual car insurer.

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Car Insurance Laws in Missouri

We compiled the information and resources you need to know about the car insurance laws and requirements in Missouri. In Missouri, the following coverages are required:

In Missouri, you don’t purchase comprehensive and collision insurance as per law since you just need low liability insurance. It’s important to assess how much coverage you need before buying an insurance policy in Missouri.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN MISSOURI?

As proof of insurance, high-risk drivers like those with a DUI on their driving records need to file an SR-22 in Missouri. MoneyGeek explains how much you can expect to pay for insurance with an SR-22 in Missouri and how to file the form with your insurer.

Specialty Car Insurance in Missouri

A conventional car insurance policy may not meet your needs. We found certain alternative forms of car insurance in Missouri to help you choose the best insurance policy for your car. These include non-owner car insurance, temporary car insurance and low-income car insurance. You can learn more about these unique car insurance types in Missouri below.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

If you do not own a car but often drive one and need proof of insurance, non-owner car insurance in Missouri can be the best option for you.

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Temporary car insurance

You can get temporary car insurance in Missouri if you frequently rent cars or are only driving for a short duration. Buying a regular policy and canceling early or purchasing rental car insurance are two options for temporary insurance.

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Car insurance for low-income drivers

In Missouri, there is no government program to support low-income drivers in buying insurance. MoneyGeek found ways to get low-income car insurance in Missouri.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.