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: September 11, 2025
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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% | $-40 |
| Travelers | $40 | $81 | -38% | $-37 |
| Geico | $38 | $87 | -36% | $-35 |
| Farm Bureau | $37 | $101 | -29% | $-29 |
| Shelter Insurance | $47 | $109 | -20% | $-19 |
*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.
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$383
High
$166
Average
$91
Low
Rates updated:
Sep 12, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 96 /of 100 | $91 | |
| 2 | 93 /of 100 | $100 | |
| 3 |  Nationwide | 91 /of 100 | $109 |
| 4 | 78 /of 100 | $154 | |
| 5 |  Progressive | 87 /of 100 | $157 |
| 6 |  GEICO | 82 /of 100 | $172 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
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.
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:
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
Select
Gender:Female
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Kemper | $192 | $2,308 | -38% | $-1,436 |
| Farmers | $228 | $2,732 | -27% | $-1,013 |
| Travelers | $231 | $2,775 | -26% | $-970 |
| Farm Bureau | $245 | $2,941 | -21% | $-804 |
| Shelter Insurance | $254 | $3,049 | -19% | $-696 |
*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:
Select
City:
| Kansas City | Auto Owners | $39 | -45% | $-53 |
| St. Louis | Travelers | $51 | -51% | $-80 |
| Springfield | Geico | $37 | -43% | $-45 |
| Columbia | Auto Owners | $31 | -43% | $-40 |
| Independence | Auto Owners | $38 | -43% | $-48 |
| Lee's Summit | Auto Owners | $35 | -39% | $-38 |
| O'Fallon | Auto Owners | $33 | -42% | $-41 |
| St. Joseph | Auto Owners | $32 | -42% | $-39 |
| St. Charles | Auto Owners | $31 | -45% | $-44 |
| Blue Springs | Auto Owners | $39 | -40% | $-43 |
| St. Peters | Auto Owners | $32 | -43% | $-41 |
| Florissant | Auto Owners | $41 | -48% | $-64 |
| Joplin | Auto Owners | $31 | -39% | $-34 |
| Chesterfield | Auto Owners | $34 | -45% | $-46 |
| Jefferson City | Auto Owners | $29 | -41% | $-34 |
| Cape Girardeau | Auto Owners | $31 | -46% | $-45 |
| Wildwood | Auto Owners | $34 | -47% | $-51 |
| University City | Auto Owners | $40 | -50% | $-67 |
| Ballwin | Auto Owners | $33 | -46% | $-48 |
| Raytown | Auto Owners | $38 | -42% | $-46 |
| Adrian | Auto Owners | $31 | -42% | $-37 |
| Advance | Travelers | $37 | -39% | $-36 |
| Affton | Auto Owners | $38 | -43% | $-49 |
| Agency | Auto Owners | $32 | -40% | $-36 |
| Alba | Auto Owners | $31 | -41% | $-37 |
| Albany | Auto Owners | $32 | -42% | $-39 |
| Aldrich | Auto Owners | $33 | -42% | $-40 |
| Allendale | Auto Owners | $31 | -44% | $-40 |
| Alma | Auto Owners | $30 | -43% | $-38 |
| Altamont | Auto Owners | $33 | -39% | $-35 |
| Altenburg | Auto Owners | $30 | -43% | $-39 |
| Alton | Auto Owners | $35 | -42% | $-43 |
| Amazonia | Auto Owners | $31 | -42% | $-38 |
| Amity | Auto Owners | $32 | -41% | $-37 |
| Amoret | Auto Owners | $32 | -41% | $-37 |
| Amsterdam | Auto Owners | $32 | -41% | $-37 |
| Anabel | Travelers | $35 | -42% | $-38 |
| Anderson | Auto Owners | $32 | -44% | $-43 |
| Annada | Auto Owners | $33 | -39% | $-36 |
| Annapolis | Travelers | $38 | -42% | $-41 |
| Anniston | Travelers | $34 | -46% | $-44 |
| Appleton City | Auto Owners | $32 | -44% | $-42 |
| Arbela | Auto Owners | $32 | -44% | $-42 |
| Arbyrd | Geico | $35 | -39% | $-38 |
| Arcadia | Travelers | $38 | -42% | $-41 |
| Archie | Auto Owners | $31 | -44% | $-41 |
| Arcola | Auto Owners | $33 | -42% | $-39 |
| Argyle | Auto Owners | $31 | -42% | $-38 |
| Armstrong | Auto Owners | $32 | -39% | $-35 |
| Arnold | Auto Owners | $37 | -45% | $-50 |
| Arrow Rock | Auto Owners | $32 | -41% | $-37 |
| Asbury | Auto Owners | $32 | -40% | $-36 |
| Ashburn | Auto Owners | $32 | -42% | $-38 |
| Ash Grove | Auto Owners | $34 | -42% | $-42 |
| Ashland | Auto Owners | $29 | -44% | $-38 |
| Atlanta | Auto Owners | $32 | -41% | $-37 |
| Augusta | Auto Owners | $34 | -45% | $-46 |
| Aurora | Auto Owners | $30 | -47% | $-45 |
| Auxvasse | Auto Owners | $30 | -43% | $-37 |
| Ava | Auto Owners | $33 | -42% | $-40 |
| Avilla | Auto Owners | $31 | -41% | $-36 |
| Bakersfield | Auto Owners | $34 | -41% | $-40 |
| Baring | Auto Owners | $33 | -42% | $-39 |
| Barnard | Auto Owners | $31 | -41% | $-37 |
| Barnett | Auto Owners | $32 | -43% | $-40 |
| Barnhart | Auto Owners | $35 | -46% | $-50 |
| Bates City | Auto Owners | $33 | -43% | $-42 |
| Battlefield | Geico | $35 | -40% | $-37 |
| Beaufort | Auto Owners | $33 | -47% | $-49 |
| Belgrade | Auto Owners | $33 | -44% | $-44 |
| Bell City | Travelers | $36 | -41% | $-38 |
| Belle | Auto Owners | $31 | -44% | $-41 |
| Bellefontaine Neighbors | Auto Owners | $46 | -52% | $-84 |
| Belleview | Auto Owners | $33 | -43% | $-42 |
| Bellflower | Auto Owners | $32 | -41% | $-37 |
| Belton | Auto Owners | $35 | -38% | $-37 |
| Benton | Auto Owners | $29 | -45% | $-40 |
| Benton City | Auto Owners | $30 | -42% | $-37 |
| Berger | Auto Owners | $33 | -46% | $-48 |
| Berkeley | Auto Owners | $43 | -48% | $-65 |
| Bernie | Travelers | $35 | -44% | $-41 |
| Bertrand | Travelers | $34 | -46% | $-43 |
| Bethany | Auto Owners | $32 | -39% | $-35 |
| Bethel | Auto Owners | $32 | -42% | $-38 |
| Beulah | Auto Owners | $31 | -44% | $-41 |
| Bevier | Auto Owners | $31 | -42% | $-38 |
| Billings | Geico | $33 | -42% | $-39 |
| Birch Tree | Auto Owners | $34 | -41% | $-39 |
| Bismarck | Auto Owners | $32 | -43% | $-41 |
| Bixby | Auto Owners | $34 | -43% | $-42 |
| Black | Auto Owners | $35 | -40% | $-40 |
| Blackburn | Auto Owners | $31 | -41% | $-36 |
| Blackwater | Auto Owners | $31 | -42% | $-38 |
| Blackwell | Auto Owners | $34 | -44% | $-46 |
| Blairstown | Auto Owners | $32 | -42% | $-39 |
| Bland | Auto Owners | $31 | -44% | $-42 |
| Blodgett | Auto Owners | $29 | -47% | $-44 |
| Bloomfield | Travelers | $35 | -43% | $-39 |
| Bloomsdale | Auto Owners | $34 | -42% | $-41 |
| Blue Eye | Auto Owners | $32 | -41% | $-37 |
| Blythedale | Auto Owners | $32 | -41% | $-37 |
| Bogard | Auto Owners | $32 | -40% | $-36 |
| Bois D Arc | Geico | $33 | -45% | $-44 |
| Bolckow | Auto Owners | $32 | -41% | $-36 |
| Bolivar | Auto Owners | $32 | -44% | $-42 |
| Bonne Terre | Auto Owners | $32 | -43% | $-40 |
| Bonnots Mill | Auto Owners | $29 | -44% | $-39 |
| Boonville | Auto Owners | $30 | -44% | $-39 |
| Boss | Auto Owners | $32 | -44% | $-42 |
| Bosworth | Auto Owners | $32 | -40% | $-36 |
| Bourbon | Auto Owners | $31 | -45% | $-42 |
| Bowling Green | Auto Owners | $31 | -41% | $-37 |
| Bradleyville | Auto Owners | $32 | -40% | $-36 |
| Bragg City | Travelers | $37 | -42% | $-40 |
| Brandsville | Auto Owners | $35 | -37% | $-35 |
| Branson | Auto Owners | $38 | -42% | $-46 |
| Brashear | Auto Owners | $33 | -40% | $-37 |
| Braymer | Auto Owners | $32 | -40% | $-36 |
| Brazeau | Auto Owners | $32 | -39% | $-35 |
| Breckenridge | Auto Owners | $32 | -41% | $-37 |
| Brentwood | Auto Owners | $37 | -41% | $-43 |
| Briar | Travelers | $39 | -40% | $-40 |
| Bridgeton | Auto Owners | $36 | -45% | $-50 |
| Brighton | Auto Owners | $33 | -42% | $-40 |
| Brinktown | Auto Owners | $32 | -42% | $-39 |
| Brixey | Auto Owners | $34 | -41% | $-40 |
| Bronaugh | Auto Owners | $31 | -43% | $-39 |
| Brookfield | Auto Owners | $30 | -40% | $-35 |
| Broseley | Auto Owners | $32 | -46% | $-45 |
| Browning | Auto Owners | $32 | -39% | $-35 |
| Brownwood | Travelers | $36 | -41% | $-38 |
| Brumley | Auto Owners | $33 | -42% | $-40 |
| Bruner | Auto Owners | $32 | -43% | $-41 |
| Brunswick | Auto Owners | $32 | -40% | $-35 |
| Bucklin | Auto Owners | $31 | -40% | $-34 |
| Buckner | Auto Owners | $35 | -44% | $-46 |
| Bucyrus | Auto Owners | $30 | -45% | $-42 |
| Buffalo | Auto Owners | $31 | -45% | $-42 |
| Bunceton | Auto Owners | $31 | -43% | $-38 |
| Bunker | Auto Owners | $33 | -46% | $-47 |
| Burfordville | Auto Owners | $30 | -46% | $-42 |
| Burlington Junction | Auto Owners | $31 | -40% | $-35 |
| Butler | Auto Owners | $31 | -41% | $-36 |
| Byrnes Mill | Auto Owners | $36 | -46% | $-51 |
| Cabool | Auto Owners | $31 | -44% | $-41 |
| Cadet | Auto Owners | $35 | -44% | $-46 |
| Cainsville | Auto Owners | $32 | -42% | $-38 |
| Cairo | Auto Owners | $31 | -42% | $-37 |
| Caledonia | Auto Owners | $33 | -44% | $-45 |
| Calhoun | Auto Owners | $31 | -42% | $-38 |
| California | Auto Owners | $28 | -44% | $-38 |
| Callao | Auto Owners | $32 | -41% | $-37 |
| Camden | Auto Owners | $32 | -41% | $-39 |
| Camden Point | Auto Owners | $31 | -42% | $-39 |
| Camdenton | Auto Owners | $31 | -42% | $-38 |
| Cameron | Auto Owners | $31 | -41% | $-36 |
| Campbell | Travelers | $35 | -44% | $-42 |
| Canalou | Travelers | $34 | -46% | $-43 |
| Canton | Auto Owners | $31 | -43% | $-39 |
| Cape Fair | Auto Owners | $32 | -40% | $-36 |
| Caplinger Mills | Auto Owners | $33 | -43% | $-42 |
| Cardwell | Geico | $35 | -39% | $-38 |
| Carl Junction | Auto Owners | $31 | -40% | $-35 |
| Carrollton | Auto Owners | $31 | -40% | $-35 |
| Carterville | Auto Owners | $31 | -41% | $-35 |
| Carthage | Auto Owners | $30 | -43% | $-37 |
| Caruthersville | Travelers | $37 | -42% | $-41 |
| Cascade | Auto Owners | $34 | -40% | $-38 |
| Cassville | Auto Owners | $30 | -46% | $-44 |
| Catawissa | Auto Owners | $36 | -47% | $-54 |
| Catron | Travelers | $36 | -42% | $-39 |
| Caulfield | Auto Owners | $34 | -40% | $-38 |
| Cedarcreek | Auto Owners | $32 | -41% | $-37 |
| Cedar Hill | Auto Owners | $37 | -44% | $-48 |
| Center | Auto Owners | $31 | -43% | $-39 |
| Centertown | Auto Owners | $29 | -42% | $-35 |
| Centerview | Auto Owners | $30 | -45% | $-42 |
| Centerville | Auto Owners | $36 | -41% | $-41 |
| Centralia | Auto Owners | $31 | -41% | $-37 |
| Chadwick | Auto Owners | $33 | -42% | $-39 |
| Chaffee | Auto Owners | $30 | -44% | $-40 |
| Chamois | Auto Owners | $31 | -42% | $-39 |
| Charleston | Travelers | $37 | -42% | $-40 |
| Cherryville | Auto Owners | $30 | -45% | $-42 |
| Chestnutridge | Auto Owners | $32 | -43% | $-40 |
| Chilhowee | Auto Owners | $31 | -44% | $-41 |
| Chillicothe | Auto Owners | $31 | -42% | $-38 |
| Chula | Auto Owners | $31 | -41% | $-37 |
| Clarence | Travelers | $35 | -40% | $-36 |
| Clark | Auto Owners | $31 | -42% | $-38 |
| Clarksburg | Auto Owners | $30 | -42% | $-37 |
| Clarksdale | Auto Owners | $32 | -41% | $-37 |
| Clarksville | Auto Owners | $33 | -40% | $-37 |
| Clarkton | Travelers | $34 | -45% | $-42 |
| Clayton | Auto Owners | $40 | -42% | $-48 |
| Clearmont | Auto Owners | $31 | -41% | $-37 |
| Cleveland | Auto Owners | $31 | -44% | $-41 |
| Clever | Auto Owners | $34 | -39% | $-36 |
| Clifton Hill | Auto Owners | $31 | -41% | $-37 |
| Climax Springs | Auto Owners | $33 | -41% | $-39 |
| Clinton | Auto Owners | $30 | -43% | $-38 |
| Clubb | Auto Owners | $34 | -43% | $-42 |
| Clyde | Auto Owners | $32 | -41% | $-38 |
| Coatsville | Auto Owners | $33 | -43% | $-42 |
| Coffey | Auto Owners | $32 | -41% | $-37 |
| Cole Camp | Auto Owners | $31 | -42% | $-38 |
| Collins | Auto Owners | $32 | -44% | $-44 |
| Commerce | Auto Owners | $30 | -44% | $-39 |
| Conception | Auto Owners | $32 | -40% | $-37 |
| Conception Junction | Auto Owners | $31 | -42% | $-37 |
| Concordia | Auto Owners | $30 | -42% | $-36 |
| Conway | Auto Owners | $31 | -43% | $-39 |
| Cook Sta | Auto Owners | $30 | -44% | $-40 |
| Cooter | Geico | $35 | -40% | $-39 |
| Corder | Auto Owners | $31 | -42% | $-37 |
| Cosby | Auto Owners | $32 | -40% | $-35 |
| Couch | Auto Owners | $35 | -41% | $-41 |
| Cowgill | Auto Owners | $33 | -40% | $-37 |
| Craig | Auto Owners | $32 | -39% | $-34 |
| Crane | Auto Owners | $32 | -40% | $-36 |
| Creighton | Auto Owners | $31 | -43% | $-40 |
| Crestwood | Auto Owners | $35 | -44% | $-47 |
| Creve Coeur | Auto Owners | $36 | -43% | $-46 |
| Crocker | Auto Owners | $30 | -43% | $-38 |
| Cross Timbers | Auto Owners | $33 | -43% | $-42 |
| Crystal City | Auto Owners | $34 | -44% | $-46 |
| Cuba | Auto Owners | $31 | -43% | $-39 |
| Curryville | Auto Owners | $31 | -41% | $-37 |
| Dadeville | Auto Owners | $33 | -41% | $-39 |
| Daisy | Auto Owners | $30 | -45% | $-42 |
| Dalton | Auto Owners | $31 | -39% | $-34 |
| Darlington | Auto Owners | $33 | -41% | $-39 |
| Davisville | Auto Owners | $31 | -44% | $-41 |
| Dawn | Auto Owners | $31 | -42% | $-37 |
| Dearborn | Auto Owners | $32 | -43% | $-40 |
| Deepwater | Auto Owners | $31 | -42% | $-38 |
| Deerfield | Auto Owners | $31 | -43% | $-39 |
| Deering | Geico | $35 | -40% | $-39 |
| Defiance | Auto Owners | $34 | -44% | $-45 |
| De Kalb | Auto Owners | $33 | -40% | $-37 |
| Delta | Auto Owners | $30 | -46% | $-43 |
| Denver | Auto Owners | $32 | -42% | $-39 |
| Des Arc | Travelers | $39 | -41% | $-40 |
| De Soto | Auto Owners | $34 | -45% | $-48 |
| Des Peres | Auto Owners | $34 | -44% | $-45 |
| Devils Elbow | Auto Owners | $29 | -45% | $-39 |
| De Witt | Auto Owners | $31 | -41% | $-36 |
| Dexter | Travelers | $35 | -41% | $-36 |
| Diamond | Auto Owners | $31 | -46% | $-44 |
| Dittmer | Auto Owners | $37 | -45% | $-51 |
| Dixon | Auto Owners | $30 | -42% | $-37 |
| Doe Run | Auto Owners | $32 | -43% | $-40 |
| Doniphan | Auto Owners | $35 | -42% | $-41 |
| Dora | Auto Owners | $33 | -43% | $-41 |
| Dover | Auto Owners | $31 | -42% | $-38 |
| Downing | Auto Owners | $33 | -43% | $-42 |
| Drexel | Auto Owners | $32 | -42% | $-38 |
| Drury | Auto Owners | $33 | -43% | $-41 |
| Dudley | Travelers | $35 | -40% | $-35 |
| Duke | Auto Owners | $30 | -45% | $-42 |
| Dunnegan | Auto Owners | $33 | -42% | $-41 |
| Durham | Auto Owners | $31 | -42% | $-38 |
| Dutchtown | Auto Owners | $30 | -46% | $-43 |
| Dutzow | Auto Owners | $33 | -44% | $-44 |
| Eagle Rock | Auto Owners | $32 | -44% | $-41 |
| Eagleville | Auto Owners | $32 | -40% | $-36 |
| Earth City | Auto Owners | $36 | -44% | $-47 |
| East Lynne | Auto Owners | $32 | -43% | $-40 |
| Easton | Auto Owners | $32 | -41% | $-37 |
| East Prairie | Travelers | $34 | -45% | $-42 |
| Edgar Springs | Auto Owners | $31 | -44% | $-40 |
| Edgerton | Auto Owners | $32 | -43% | $-41 |
| Edina | Auto Owners | $33 | -41% | $-39 |
| Edwards | Auto Owners | $33 | -41% | $-39 |
| Eldon | Auto Owners | $31 | -44% | $-40 |
| El Dorado Springs | Auto Owners | $32 | -44% | $-42 |
| Eldridge | Auto Owners | $31 | -42% | $-38 |
| Elk Creek | Auto Owners | $31 | -44% | $-41 |
| Elkland | Auto Owners | $32 | -42% | $-39 |
| Ellington | Auto Owners | $35 | -41% | $-41 |
| Ellsinore | Auto Owners | $34 | -42% | $-41 |
| Elmer | Auto Owners | $32 | -42% | $-39 |
| Elmo | Auto Owners | $32 | -40% | $-35 |
| Elsberry | Auto Owners | $33 | -47% | $-48 |
| Emden | Auto Owners | $32 | -41% | $-37 |
| Eminence | Auto Owners | $34 | -42% | $-42 |
| Emma | Auto Owners | $31 | -42% | $-38 |
| Eolia | Auto Owners | $34 | -39% | $-36 |
| Essex | Travelers | $34 | -43% | $-39 |
| Ethel | Auto Owners | $33 | -41% | $-38 |
| Eugene | Auto Owners | $30 | -40% | $-34 |
| Eunice | Auto Owners | $31 | -44% | $-41 |
| Eureka | Auto Owners | $34 | -45% | $-46 |
| Everton | Auto Owners | $33 | -41% | $-39 |
| Ewing | Auto Owners | $31 | -42% | $-39 |
| Excello | Auto Owners | $32 | -41% | $-37 |
| Excelsior Springs | Auto Owners | $33 | -42% | $-40 |
| Exeter | Auto Owners | $31 | -44% | $-42 |
| Fagus | Auto Owners | $34 | -43% | $-43 |
| Fairdealing | Auto Owners | $34 | -41% | $-41 |
| Fairfax | Auto Owners | $31 | -39% | $-33 |
| Fair Grove | Auto Owners | $34 | -40% | $-37 |
| Fair Play | Auto Owners | $33 | -42% | $-40 |
| Fairview | Auto Owners | $31 | -42% | $-38 |
| Falcon | Auto Owners | $31 | -44% | $-40 |
| Farber | Auto Owners | $30 | -43% | $-38 |
| Farley | Auto Owners | $31 | -46% | $-44 |
| Farmington | Auto Owners | $31 | -43% | $-40 |
| Farrar | Auto Owners | $32 | -39% | $-35 |
| Faucett | Auto Owners | $32 | -42% | $-39 |
| Fayette | Auto Owners | $30 | -41% | $-36 |
| Fenton | Auto Owners | $34 | -47% | $-51 |
| Ferguson | Farm Bureau | $39 | -49% | $-70 |
| Ferrelview | Auto Owners | $33 | -41% | $-38 |
| Festus | Auto Owners | $33 | -47% | $-49 |
| Fillmore | Auto Owners | $32 | -41% | $-37 |
| Fisk | Auto Owners | $32 | -45% | $-44 |
| Flemington | Auto Owners | $33 | -43% | $-41 |
| Fletcher | Auto Owners | $37 | -42% | $-45 |
| Flinthill | Travelers | $37 | -43% | $-41 |
| Florence | Auto Owners | $32 | -42% | $-40 |
| Foley | Auto Owners | $33 | -46% | $-48 |
| Fordland | Auto Owners | $33 | -40% | $-37 |
| Forest City | Auto Owners | $32 | -41% | $-37 |
| Foristell | Auto Owners | $33 | -45% | $-45 |
| Forsyth | Auto Owners | $32 | -42% | $-38 |
| Fort Leonard Wood | Auto Owners | $29 | -44% | $-39 |
| Fortuna | Auto Owners | $31 | -43% | $-40 |
| Foster | Auto Owners | $32 | -40% | $-36 |
| Frankford | Auto Owners | $31 | -42% | $-38 |
| Franklin | Auto Owners | $31 | -41% | $-36 |
| Fredericktown | Auto Owners | $33 | -42% | $-40 |
| Freeburg | Auto Owners | $30 | -42% | $-37 |
| Freeman | Auto Owners | $32 | -42% | $-39 |
| Freistatt | Auto Owners | $31 | -45% | $-44 |
| Fremont | Auto Owners | $35 | -39% | $-38 |
| French Village | Auto Owners | $33 | -45% | $-45 |
| Friedheim | Auto Owners | $31 | -42% | $-37 |
| Frohna | Auto Owners | $32 | -39% | $-34 |
| Fulton | Auto Owners | $29 | -43% | $-37 |
| Gainesville | Auto Owners | $34 | -42% | $-40 |
| Galena | Auto Owners | $31 | -41% | $-37 |
| Gallatin | Auto Owners | $32 | -40% | $-37 |
| Galt | Auto Owners | $32 | -42% | $-39 |
| Garden City | Auto Owners | $30 | -45% | $-42 |
| Garrison | Auto Owners | $32 | -44% | $-43 |
| Gatewood | Travelers | $39 | -41% | $-41 |
| Gentry | Auto Owners | $32 | -42% | $-39 |
| Gerald | Auto Owners | $33 | -46% | $-48 |
| Gibbs | Auto Owners | $33 | -40% | $-36 |
| Gibson | Travelers | $35 | -43% | $-41 |
| Gideon | Travelers | $34 | -45% | $-43 |
| Gilliam | Auto Owners | $31 | -41% | $-36 |
| Gilman City | Auto Owners | $32 | -40% | $-36 |
| Gipsy | Travelers | $37 | -42% | $-40 |
| Gladstone | Auto Owners | $34 | -42% | $-42 |
| Glasgow | Auto Owners | $31 | -41% | $-36 |
| Glenallen | Travelers | $37 | -40% | $-39 |
| Glencoe | Auto Owners | $34 | -47% | $-50 |
| Glenwood | Auto Owners | $33 | -43% | $-42 |
| Gobler | Travelers | $37 | -41% | $-40 |
| Golden | Auto Owners | $32 | -44% | $-42 |
| Golden City | Auto Owners | $31 | -43% | $-39 |
| Goodman | Auto Owners | $32 | -44% | $-42 |
| Gordonville | Auto Owners | $31 | -45% | $-42 |
| Gorin | Auto Owners | $32 | -44% | $-42 |
| Gower | Auto Owners | $32 | -42% | $-40 |
| Graff | Auto Owners | $32 | -42% | $-38 |
| Graham | Auto Owners | $32 | -40% | $-36 |
| Grain Valley | Auto Owners | $35 | -40% | $-39 |
| Granby | Auto Owners | $31 | -46% | $-44 |
| Grandin | Auto Owners | $35 | -41% | $-40 |
| Grandview | Auto Owners | $37 | -41% | $-43 |
| Granger | Auto Owners | $32 | -44% | $-42 |
| Grant City | Auto Owners | $31 | -43% | $-40 |
| Gravois Mills | Auto Owners | $32 | -43% | $-40 |
| Grayridge | Travelers | $35 | -40% | $-35 |
| Gray Summit | Auto Owners | $34 | -50% | $-56 |
| Green Castle | Auto Owners | $33 | -40% | $-37 |
| Green City | Auto Owners | $33 | -41% | $-39 |
| Greenfield | Auto Owners | $32 | -43% | $-40 |
| Green Ridge | Auto Owners | $30 | -42% | $-37 |
| Greentop | Auto Owners | $33 | -39% | $-36 |
| Greenville | Auto Owners | $34 | -42% | $-41 |
| Greenwood | Auto Owners | $33 | -42% | $-40 |
| Grovespring | Auto Owners | $31 | -43% | $-39 |
| Grubville | Auto Owners | $37 | -45% | $-50 |
| Guilford | Auto Owners | $32 | -41% | $-37 |
| Hale | Auto Owners | $32 | -40% | $-36 |
| Half Way | Auto Owners | $32 | -43% | $-41 |
| Hallsville | Auto Owners | $30 | -44% | $-39 |
| Halltown | Geico | $33 | -43% | $-41 |
| Hamilton | Auto Owners | $31 | -43% | $-39 |
| Hannibal | Auto Owners | $29 | -44% | $-39 |
| Hardenville | Auto Owners | $34 | -40% | $-39 |
| Hardin | Auto Owners | $32 | -44% | $-41 |
| Harris | Auto Owners | $32 | -41% | $-37 |
| Harrisburg | Auto Owners | $31 | -43% | $-39 |
| Harrisonville | Auto Owners | $30 | -46% | $-44 |
| Hartsburg | Auto Owners | $29 | -43% | $-37 |
| Hartshorn | Auto Owners | $31 | -43% | $-40 |
| Hartville | Auto Owners | $32 | -42% | $-39 |
| Harviell | Auto Owners | $33 | -45% | $-45 |
| Harwood | Auto Owners | $32 | -42% | $-38 |
| Hatfield | Auto Owners | $32 | -41% | $-37 |
| Hawk Point | Auto Owners | $33 | -46% | $-47 |
| Hayti | Travelers | $36 | -43% | $-41 |
| Hazelwood | Auto Owners | $40 | -44% | $-53 |
| Helena | Auto Owners | $32 | -41% | $-36 |
| Hematite | Auto Owners | $34 | -48% | $-52 |
| Henley | Auto Owners | $29 | -41% | $-34 |
| Henrietta | Auto Owners | $32 | -43% | $-40 |
| Herculaneum | Auto Owners | $35 | -45% | $-48 |
| Hermann | Auto Owners | $32 | -40% | $-37 |
| Hermitage | Auto Owners | $32 | -43% | $-40 |
| Higbee | Auto Owners | $32 | -40% | $-36 |
| Higginsville | Auto Owners | $30 | -43% | $-38 |
| High Hill | Auto Owners | $32 | -43% | $-39 |
| Highlandville | Auto Owners | $33 | -41% | $-38 |
| High Point | Auto Owners | $30 | -44% | $-39 |
| High Ridge | Auto Owners | $35 | -46% | $-50 |
| Hillsboro | Auto Owners | $36 | -45% | $-51 |
| Holcomb | Travelers | $35 | -44% | $-42 |
| Holden | Auto Owners | $31 | -43% | $-40 |
| Holliday | Auto Owners | $32 | -39% | $-34 |
| Hollister | Auto Owners | $31 | -42% | $-38 |
| Holt | Auto Owners | $32 | -43% | $-41 |
| Holts Summit | Auto Owners | $28 | -43% | $-36 |
| Hopkins | Auto Owners | $31 | -41% | $-37 |
| Hornersville | Travelers | $38 | -39% | $-37 |
| Houston | Auto Owners | $31 | -45% | $-42 |
| Houstonia | Auto Owners | $30 | -42% | $-37 |
| Huggins | Auto Owners | $32 | -43% | $-39 |
| Hughesville | Auto Owners | $30 | -43% | $-38 |
| Humansville | Auto Owners | $32 | -45% | $-44 |
| Hume | Auto Owners | $32 | -40% | $-37 |
| Humphreys | Auto Owners | $32 | -42% | $-38 |
| Hunnewell | Auto Owners | $32 | -42% | $-38 |
| Huntsville | Auto Owners | $31 | -42% | $-38 |
| Hurdland | Auto Owners | $33 | -42% | $-39 |
| Iberia | Auto Owners | $33 | -42% | $-40 |
| Imperial | Auto Owners | $36 | -46% | $-50 |
| Ionia | Auto Owners | $31 | -43% | $-40 |
| Irondale | Auto Owners | $33 | -45% | $-45 |
| Ironton | Auto Owners | $33 | -43% | $-42 |
| Isabella | Auto Owners | $33 | -42% | $-41 |
| Jackson | Auto Owners | $30 | -46% | $-43 |
| Jacksonville | Auto Owners | $32 | -40% | $-36 |
| Jadwin | Auto Owners | $31 | -43% | $-39 |
| Jameson | Auto Owners | $32 | -41% | $-37 |
| Jamesport | Auto Owners | $31 | -42% | $-37 |
| Jamestown | Auto Owners | $30 | -42% | $-38 |
| Jasper | Auto Owners | $31 | -40% | $-34 |
| Jennings | Travelers | $52 | -51% | $-82 |
| Jerico Springs | Auto Owners | $32 | -45% | $-43 |
| Jerome | Auto Owners | $30 | -45% | $-42 |
| Jonesburg | Auto Owners | $32 | -42% | $-39 |
| Kahoka | Auto Owners | $31 | -43% | $-39 |
| Kaiser | Auto Owners | $32 | -42% | $-40 |
| Kearney | Auto Owners | $32 | -44% | $-42 |
| Kennett | Geico | $35 | -39% | $-37 |
| Kewanee | Travelers | $35 | -44% | $-42 |
| Keytesville | Auto Owners | $32 | -39% | $-34 |
| Kidder | Auto Owners | $32 | -41% | $-37 |
| Kimberling City | Auto Owners | $31 | -43% | $-38 |
| Kimmswick | Auto Owners | $37 | -43% | $-47 |
| King City | Auto Owners | $32 | -42% | $-39 |
| Kingdom City | Auto Owners | $29 | -43% | $-38 |
| Kingston | Auto Owners | $32 | -42% | $-38 |
| Kingsville | Auto Owners | $32 | -44% | $-42 |
| Kirbyville | Auto Owners | $33 | -39% | $-36 |
| Kirksville | Auto Owners | $31 | -39% | $-34 |
| Kirkwood | Auto Owners | $35 | -43% | $-44 |
| Kissee Mills | Auto Owners | $32 | -40% | $-36 |
| Knob Lick | Auto Owners | $32 | -45% | $-44 |
| Knob Noster | Auto Owners | $29 | -45% | $-40 |
| Knox City | Auto Owners | $32 | -42% | $-40 |
| Koeltztown | Auto Owners | $30 | -41% | $-36 |
| Koshkonong | Auto Owners | $35 | -40% | $-39 |
| Labadie | Auto Owners | $33 | -49% | $-53 |
| La Belle | Auto Owners | $31 | -43% | $-39 |
| Laclede | Auto Owners | $31 | -41% | $-36 |
| Laddonia | Auto Owners | $31 | -42% | $-37 |
| Ladue | Auto Owners | $36 | -42% | $-43 |
| La Grange | Auto Owners | $31 | -44% | $-40 |
| Lake Spring | Auto Owners | $30 | -44% | $-40 |
| Lake St. Louis | Auto Owners | $33 | -41% | $-38 |
| Lamar | Auto Owners | $32 | -40% | $-36 |
| La Monte | Auto Owners | $29 | -44% | $-39 |
| Lampe | Auto Owners | $31 | -41% | $-37 |
| Lanagan | Auto Owners | $33 | -42% | $-41 |
| Lancaster | Auto Owners | $33 | -43% | $-42 |
| La Plata | Auto Owners | $32 | -40% | $-36 |
| Laquey | Auto Owners | $29 | -44% | $-39 |
| Laredo | Auto Owners | $32 | -41% | $-38 |
| La Russell | Auto Owners | $32 | -41% | $-38 |
| Latham | Auto Owners | $30 | -43% | $-38 |
| Lathrop | Auto Owners | $32 | -41% | $-37 |
| Laurie | Auto Owners | $33 | -42% | $-39 |
| Lawson | Auto Owners | $32 | -43% | $-40 |
| Lead Hill | Auto Owners | $32 | -44% | $-42 |
| Leadwood | Auto Owners | $33 | -42% | $-40 |
| Leasburg | Auto Owners | $30 | -45% | $-41 |
| Lebanon | Auto Owners | $30 | -43% | $-38 |
| Leeton | Auto Owners | $31 | -44% | $-41 |
| Lemay | Auto Owners | $39 | -44% | $-53 |
| Lenox | Auto Owners | $31 | -44% | $-40 |
| Lentner | Auto Owners | $32 | -41% | $-37 |
| Leonard | Auto Owners | $32 | -41% | $-38 |
| Leopold | Travelers | $37 | -41% | $-39 |
| Leslie | Auto Owners | $34 | -46% | $-48 |
| Lesterville | Travelers | $39 | -41% | $-41 |
| Levasy | Auto Owners | $35 | -42% | $-43 |
| Lewistown | Auto Owners | $31 | -42% | $-38 |
| Lexington | Auto Owners | $30 | -45% | $-42 |
| Liberal | Auto Owners | $31 | -42% | $-39 |
| Liberty | Auto Owners | $34 | -42% | $-41 |
| Licking | Auto Owners | $29 | -46% | $-41 |
| Liguori | Travelers | $39 | -44% | $-47 |
| Lilbourn | Travelers | $40 | -45% | $-50 |
| Lincoln | Auto Owners | $31 | -44% | $-41 |
| Linn | Auto Owners | $31 | -42% | $-36 |
| Linn Creek | Auto Owners | $32 | -41% | $-37 |
| Linneus | Auto Owners | $31 | -40% | $-35 |
| Livonia | Auto Owners | $33 | -41% | $-38 |
| Lock Springs | Auto Owners | $32 | -41% | $-37 |
| Lockwood | Auto Owners | $32 | -43% | $-40 |
| Lodi | Auto Owners | $34 | -43% | $-43 |
| Lohman | Auto Owners | $28 | -42% | $-34 |
| Lonedell | Auto Owners | $36 | -48% | $-55 |
| Lone Jack | Auto Owners | $34 | -41% | $-41 |
| Long Lane | Auto Owners | $31 | -45% | $-43 |
| Loose Creek | Auto Owners | $30 | -42% | $-37 |
| Louisburg | Auto Owners | $32 | -43% | $-40 |
| Louisiana | Auto Owners | $32 | -40% | $-36 |
| Lowndes | Auto Owners | $34 | -42% | $-41 |
| Lowry City | Auto Owners | $32 | -43% | $-41 |
| Lucerne | Auto Owners | $32 | -41% | $-37 |
| Ludlow | Auto Owners | $32 | -41% | $-36 |
| Luebbering | Auto Owners | $37 | -46% | $-53 |
| Luray | Auto Owners | $32 | -42% | $-38 |
| Lynchburg | Auto Owners | $32 | -42% | $-39 |
| Macks Creek | Auto Owners | $33 | -40% | $-37 |
| Macomb | Auto Owners | $32 | -42% | $-39 |
| Macon | Auto Owners | $30 | -44% | $-39 |
| Madison | Auto Owners | $32 | -41% | $-37 |
| Maitland | Auto Owners | $31 | -40% | $-36 |
| Malden | Travelers | $35 | -44% | $-41 |
| Malta Bend | Auto Owners | $31 | -42% | $-37 |
| Mansfield | Auto Owners | $32 | -43% | $-40 |
| Mapaville | Auto Owners | $36 | -45% | $-49 |
| Maplewood | Auto Owners | $40 | -43% | $-51 |
| Marble Hill | Auto Owners | $33 | -41% | $-39 |
| Marceline | Auto Owners | $31 | -41% | $-36 |
| Marionville | Auto Owners | $32 | -44% | $-42 |
| Marquand | Travelers | $37 | -42% | $-40 |
| Marshall | Auto Owners | $29 | -44% | $-38 |
| Marshfield | Auto Owners | $32 | -43% | $-40 |
| Marston | Travelers | $35 | -44% | $-41 |
| Marthasville | Auto Owners | $33 | -44% | $-45 |
| Martinsburg | Auto Owners | $30 | -43% | $-38 |
| Martinsville | Auto Owners | $32 | -41% | $-37 |
| Maryland Heights | Auto Owners | $35 | -46% | $-48 |
| Maryville | Auto Owners | $31 | -41% | $-35 |
| Matthews | Travelers | $34 | -45% | $-43 |
| Maysville | Auto Owners | $31 | -41% | $-37 |
| Mayview | Auto Owners | $32 | -40% | $-36 |
| Maywood | Auto Owners | $31 | -41% | $-36 |
| Mc Bride | Auto Owners | $32 | -39% | $-35 |
| Mc Fall | Auto Owners | $32 | -42% | $-39 |
| Mc Gee | Travelers | $38 | -41% | $-40 |
| Mc Girk | Auto Owners | $29 | -46% | $-41 |
| Meadville | Auto Owners | $31 | -41% | $-36 |
| Memphis | Auto Owners | $32 | -44% | $-42 |
| Mendon | Auto Owners | $32 | -40% | $-35 |
| Mercer | Auto Owners | $33 | -42% | $-39 |
| Merriam Woods | Auto Owners | $32 | -42% | $-39 |
| Meta | Auto Owners | $31 | -41% | $-37 |
| Mexico | Auto Owners | $30 | -42% | $-36 |
| Miami | Auto Owners | $32 | -41% | $-37 |
| Middle Brook | Travelers | $38 | -42% | $-42 |
| Middletown | Auto Owners | $32 | -41% | $-37 |
| Milan | Auto Owners | $32 | -41% | $-37 |
| Milford | Auto Owners | $32 | -41% | $-37 |
| Miller | Auto Owners | $33 | -43% | $-41 |
| Millersville | Auto Owners | $31 | -44% | $-42 |
| Mill Spring | Auto Owners | $35 | -42% | $-41 |
| Milo | Auto Owners | $31 | -43% | $-39 |
| Mindenmines | Auto Owners | $32 | -42% | $-39 |
| Mineral Point | Auto Owners | $35 | -42% | $-42 |
| Missouri City | Auto Owners | $33 | -43% | $-42 |
| Moberly | Auto Owners | $31 | -42% | $-37 |
| Mokane | Auto Owners | $30 | -44% | $-39 |
| Monett | Auto Owners | $30 | -46% | $-42 |
| Monroe City | Auto Owners | $31 | -41% | $-36 |
| Montgomery City | Auto Owners | $32 | -41% | $-37 |
| Monticello | Auto Owners | $32 | -42% | $-39 |
| Montier | Auto Owners | $34 | -42% | $-42 |
| Montreal | Auto Owners | $32 | -42% | $-39 |
| Montrose | Auto Owners | $31 | -42% | $-38 |
| Moody | Auto Owners | $34 | -40% | $-38 |
| Mooresville | Auto Owners | $31 | -41% | $-37 |
| Mora | Auto Owners | $31 | -41% | $-36 |
| Morehouse | Travelers | $34 | -46% | $-43 |
| Morrison | Auto Owners | $32 | -43% | $-41 |
| Morrisville | Geico | $39 | -42% | $-46 |
| Morse Mill | Auto Owners | $37 | -44% | $-49 |
| Mosby | Auto Owners | $32 | -44% | $-43 |
| Moscow Mills | Auto Owners | $34 | -46% | $-48 |
| Mound City | Auto Owners | $32 | -40% | $-36 |
| Moundville | Auto Owners | $31 | -42% | $-38 |
| Mountain Grove | Auto Owners | $32 | -42% | $-38 |
| Mountain View | Auto Owners | $32 | -42% | $-38 |
| Mount Sterling | Auto Owners | $32 | -42% | $-40 |
| Mount Vernon | Auto Owners | $32 | -44% | $-42 |
| Myrtle | Auto Owners | $36 | -41% | $-41 |
| Napoleon | Auto Owners | $33 | -44% | $-43 |
| Naylor | Auto Owners | $34 | -42% | $-42 |
| Neck City | Auto Owners | $31 | -40% | $-36 |
| Neelyville | Auto Owners | $32 | -45% | $-44 |
| Nelson | Auto Owners | $31 | -42% | $-37 |
| Neosho | Auto Owners | $31 | -41% | $-37 |
| Nevada | Auto Owners | $31 | -42% | $-38 |
| Newark | Auto Owners | $33 | -42% | $-39 |
| New Bloomfield | Auto Owners | $29 | -43% | $-37 |
| New Boston | Auto Owners | $33 | -40% | $-36 |
| Newburg | Auto Owners | $29 | -46% | $-42 |
| New Cambria | Auto Owners | $32 | -41% | $-37 |
| New Florence | Auto Owners | $32 | -41% | $-38 |
| New Franklin | Auto Owners | $31 | -41% | $-36 |
| New Hampton | Auto Owners | $31 | -41% | $-37 |
| New Haven | Auto Owners | $33 | -46% | $-47 |
| New London | Auto Owners | $31 | -43% | $-39 |
| New Madrid | Travelers | $36 | -43% | $-41 |
| New Melle | Auto Owners | $34 | -44% | $-44 |
| Newtown | Auto Owners | $32 | -41% | $-37 |
| Niangua | Auto Owners | $31 | -44% | $-40 |
| Nixa | Auto Owners | $34 | -42% | $-41 |
| Noble | Auto Owners | $33 | -42% | $-41 |
| Noel | Auto Owners | $32 | -44% | $-42 |
| Norborne | Auto Owners | $33 | -39% | $-35 |
| Normandy | Travelers | $50 | -51% | $-80 |
| Norwood | Auto Owners | $33 | -42% | $-40 |
| Novelty | Auto Owners | $32 | -43% | $-40 |
| Novinger | Auto Owners | $33 | -39% | $-36 |
| Oak Grove | Auto Owners | $33 | -44% | $-45 |
| Oak Ridge | Auto Owners | $31 | -44% | $-42 |
| Oakville | Auto Owners | $36 | -49% | $-57 |
| Odessa | Auto Owners | $32 | -44% | $-43 |
| Old Appleton | Auto Owners | $31 | -45% | $-42 |
| Oldfield | Auto Owners | $32 | -43% | $-41 |
| Old Jamestown | Auto Owners | $41 | -49% | $-65 |
| Old Monroe | Auto Owners | $33 | -47% | $-48 |
| Olean | Auto Owners | $32 | -43% | $-40 |
| Olivette | Auto Owners | $39 | -42% | $-48 |
| Olney | Auto Owners | $33 | -46% | $-48 |
| Oran | Auto Owners | $30 | -44% | $-40 |
| Oregon | Auto Owners | $32 | -41% | $-37 |
| Oronogo | Auto Owners | $31 | -41% | $-37 |
| Orrick | Auto Owners | $33 | -43% | $-42 |
| Osage Beach | Auto Owners | $31 | -44% | $-40 |
| Osborn | Auto Owners | $32 | -39% | $-35 |
| Osceola | Auto Owners | $33 | -43% | $-41 |
| Otterville | Auto Owners | $32 | -42% | $-38 |
| Overland | Auto Owners | $40 | -44% | $-53 |
| Owensville | Auto Owners | $31 | -42% | $-38 |
| Oxly | Auto Owners | $35 | -41% | $-40 |
| Ozark | Auto Owners | $33 | -41% | $-39 |
| Pacific | Auto Owners | $34 | -48% | $-54 |
| Pagedale | Auto Owners | $44 | -52% | $-79 |
| Palmyra | Auto Owners | $30 | -43% | $-37 |
| Paris | Auto Owners | $32 | -40% | $-35 |
| Park Hills | Auto Owners | $32 | -42% | $-38 |
| Parma | Travelers | $34 | -45% | $-42 |
| Parnell | Auto Owners | $32 | -41% | $-37 |
| Patterson | Auto Owners | $34 | -43% | $-42 |
| Patton | Auto Owners | $34 | -41% | $-39 |
| Pattonsburg | Auto Owners | $32 | -41% | $-37 |
| Peace Valley | Auto Owners | $32 | -43% | $-40 |
| Peculiar | Auto Owners | $32 | -44% | $-43 |
| Perkins | Auto Owners | $30 | -44% | $-39 |
| Perry | Auto Owners | $31 | -42% | $-37 |
| Perryville | Auto Owners | $32 | -40% | $-36 |
| Pevely | Auto Owners | $36 | -44% | $-47 |
| Philadelphia | Auto Owners | $31 | -40% | $-36 |
| Phillipsburg | Auto Owners | $30 | -44% | $-39 |
| Pickering | Auto Owners | $31 | -41% | $-36 |
| Piedmont | Auto Owners | $35 | -41% | $-41 |
| Pierce City | Auto Owners | $30 | -46% | $-43 |
| Pilot Grove | Auto Owners | $30 | -43% | $-39 |
| Pilot Knob | Travelers | $37 | -43% | $-42 |
| Pineville | Auto Owners | $32 | -44% | $-42 |
| Pittsburg | Auto Owners | $33 | -43% | $-41 |
| Plato | Auto Owners | $31 | -44% | $-40 |
| Platte City | Auto Owners | $32 | -43% | $-40 |
| Plattsburg | Auto Owners | $33 | -40% | $-38 |
| Pleasant Hill | Auto Owners | $33 | -43% | $-42 |
| Pleasant Hope | Auto Owners | $33 | -42% | $-40 |
| Plevna | Auto Owners | $31 | -44% | $-41 |
| Pocahontas | Auto Owners | $30 | -46% | $-43 |
| Point Lookout | Auto Owners | $31 | -41% | $-37 |
| Polk | Auto Owners | $32 | -44% | $-42 |
| Pollock | Auto Owners | $32 | -42% | $-38 |
| Polo | Auto Owners | $33 | -40% | $-37 |
| Pomona | Auto Owners | $32 | -43% | $-40 |
| Ponce De Leon | Auto Owners | $34 | -38% | $-34 |
| Pontiac | Auto Owners | $34 | -41% | $-40 |
| Poplar Bluff | Auto Owners | $32 | -44% | $-42 |
| Portage Des Sioux | Auto Owners | $33 | -46% | $-48 |
| Portageville | Travelers | $34 | -45% | $-42 |
| Portland | Auto Owners | $32 | -41% | $-37 |
| Potosi | Auto Owners | $34 | -44% | $-45 |
| Pottersville | Auto Owners | $33 | -41% | $-39 |
| Powell | Auto Owners | $32 | -43% | $-42 |
| Powersite | Auto Owners | $32 | -41% | $-37 |
| Powersville | Auto Owners | $32 | -41% | $-38 |
| Prairie Home | Auto Owners | $31 | -42% | $-38 |
| Preston | Auto Owners | $33 | -42% | $-40 |
| Princeton | Auto Owners | $32 | -42% | $-40 |
| Protem | Auto Owners | $33 | -39% | $-35 |
| Purcell | Auto Owners | $31 | -41% | $-36 |
| Purdin | Auto Owners | $32 | -40% | $-35 |
| Purdy | Auto Owners | $31 | -44% | $-41 |
| Puxico | Travelers | $38 | -37% | $-33 |
| Queen City | Auto Owners | $33 | -43% | $-42 |
| Quincy | Auto Owners | $33 | -41% | $-39 |
| Qulin | Auto Owners | $31 | -47% | $-46 |
| Racine | Auto Owners | $32 | -44% | $-43 |
| Ravenwood | Auto Owners | $32 | -41% | $-37 |
| Raymondville | Auto Owners | $31 | -44% | $-41 |
| Raymore | Auto Owners | $34 | -40% | $-39 |
| Rayville | Auto Owners | $33 | -42% | $-41 |
| Rea | Auto Owners | $32 | -41% | $-37 |
| Redford | Auto Owners | $36 | -40% | $-41 |
| Reeds | Auto Owners | $31 | -41% | $-36 |
| Reeds Spring | Auto Owners | $31 | -42% | $-38 |
| Renick | Auto Owners | $31 | -40% | $-36 |
| Republic | Geico | $33 | -44% | $-42 |
| Revere | Auto Owners | $32 | -42% | $-38 |
| Reynolds | Auto Owners | $36 | -40% | $-40 |
| Rhineland | Auto Owners | $32 | -42% | $-39 |
| Richards | Auto Owners | $32 | -43% | $-40 |
| Rich Hill | Auto Owners | $31 | -41% | $-37 |
| Richland | Auto Owners | $29 | -45% | $-39 |
| Richmond | Auto Owners | $32 | -42% | $-39 |
| Richmond Heights | Auto Owners | $40 | -42% | $-48 |
| Richwoods | Geico | $38 | -42% | $-44 |
| Ridgedale | Auto Owners | $32 | -41% | $-37 |
| Ridgeway | Auto Owners | $32 | -40% | $-36 |
| Risco | Travelers | $34 | -46% | $-43 |
| Riverside | Auto Owners | $35 | -40% | $-38 |
| Rives | Travelers | $34 | -46% | $-43 |
| Roach | Auto Owners | $33 | -40% | $-36 |
| Robertsville | Auto Owners | $35 | -51% | $-61 |
| Roby | Auto Owners | $31 | -44% | $-40 |
| Rocheport | Auto Owners | $30 | -44% | $-39 |
| Rockbridge | Auto Owners | $34 | -42% | $-41 |
| Rock Port | Auto Owners | $31 | -40% | $-34 |
| Rockville | Auto Owners | $32 | -39% | $-35 |
| Rocky Comfort | Auto Owners | $32 | -43% | $-41 |
| Rocky Mount | Auto Owners | $32 | -43% | $-40 |
| Rogersville | Auto Owners | $34 | -41% | $-39 |
| Rolla | Auto Owners | $28 | -46% | $-40 |
| Rombauer | Auto Owners | $32 | -45% | $-44 |
| Rosebud | Auto Owners | $33 | -41% | $-38 |
| Rosendale | Auto Owners | $30 | -43% | $-39 |
| Rothville | Auto Owners | $32 | -40% | $-35 |
| Rueter | Auto Owners | $33 | -39% | $-36 |
| Rush Hill | Auto Owners | $30 | -43% | $-37 |
| Rushville | Auto Owners | $33 | -40% | $-37 |
| Russellville | Auto Owners | $29 | -43% | $-36 |
| Rutledge | Auto Owners | $32 | -44% | $-42 |
| Saginaw | Auto Owners | $32 | -44% | $-42 |
| Saint Louis | Travelers | $59 | -57% | $-117 |
| Salem | Auto Owners | $30 | -42% | $-37 |
| Salisbury | Auto Owners | $32 | -39% | $-34 |
| Santa Fe | Auto Owners | $31 | -41% | $-36 |
| Sarcoxie | Auto Owners | $31 | -43% | $-39 |
| Savannah | Auto Owners | $31 | -41% | $-36 |
| Schell City | Auto Owners | $32 | -41% | $-37 |
| Scott City | Auto Owners | $30 | -44% | $-40 |
| Sedalia | Auto Owners | $30 | -43% | $-37 |
| Sedgewickville | Auto Owners | $34 | -42% | $-40 |
| Seligman | Auto Owners | $33 | -42% | $-40 |
| Senath | Geico | $35 | -39% | $-37 |
| Seneca | Auto Owners | $32 | -44% | $-43 |
| Seymour | Auto Owners | $32 | -41% | $-38 |
| Shelbina | Auto Owners | $32 | -41% | $-37 |
| Shelbyville | Auto Owners | $32 | -41% | $-37 |
| Sheldon | Auto Owners | $31 | -43% | $-39 |
| Shell Knob | Auto Owners | $30 | -44% | $-39 |
| Sheridan | Auto Owners | $32 | -42% | $-40 |
| Sibley | Auto Owners | $34 | -45% | $-47 |
| Sikeston | Auto Owners | $29 | -45% | $-41 |
| Silex | Auto Owners | $33 | -47% | $-49 |
| Silva | Auto Owners | $34 | -43% | $-42 |
| Skidmore | Auto Owners | $32 | -40% | $-35 |
| Slater | Auto Owners | $31 | -42% | $-37 |
| Smithton | Auto Owners | $31 | -41% | $-36 |
| Smithville | Auto Owners | $32 | -43% | $-40 |
| Solo | Auto Owners | $31 | -43% | $-40 |
| South Greenfield | Auto Owners | $33 | -41% | $-39 |
| South West City | Auto Owners | $32 | -44% | $-42 |
| Spanish Lake | Farm Bureau | $39 | -51% | $-75 |
| Sparta | Auto Owners | $33 | -42% | $-40 |
| Spickard | Auto Owners | $32 | -42% | $-39 |
| Spokane | Auto Owners | $33 | -42% | $-39 |
| Squires | Auto Owners | $33 | -42% | $-41 |
| St. Albans | Auto Owners | $36 | -46% | $-50 |
| Stanberry | Auto Owners | $32 | -43% | $-40 |
| St. Ann | Auto Owners | $39 | -46% | $-56 |
| Stanton | Auto Owners | $32 | -48% | $-49 |
| Stark City | Auto Owners | $32 | -41% | $-37 |
| St. Clair | Auto Owners | $35 | -45% | $-49 |
| Steedman | Auto Owners | $30 | -40% | $-35 |
| Steele | Geico | $35 | -40% | $-38 |
| Steelville | Auto Owners | $31 | -44% | $-40 |
| Ste. Genevieve | Auto Owners | $30 | -43% | $-38 |
| St. Elizabeth | Auto Owners | $33 | -41% | $-38 |
| Stella | Auto Owners | $32 | -40% | $-35 |
| Stet | Auto Owners | $33 | -39% | $-35 |
| Stewartsville | Auto Owners | $32 | -39% | $-35 |
| St. James | Auto Owners | $29 | -45% | $-39 |
| St. Mary | Auto Owners | $32 | -41% | $-37 |
| Stockton | Auto Owners | $33 | -43% | $-41 |
| Stotts City | Auto Owners | $32 | -45% | $-44 |
| Stoutland | Auto Owners | $30 | -44% | $-39 |
| Stoutsville | Auto Owners | $31 | -40% | $-36 |
| Stover | Auto Owners | $33 | -41% | $-39 |
| St. Patrick | Auto Owners | $31 | -44% | $-40 |
| Strafford | Geico | $33 | -41% | $-38 |
| Strasburg | Auto Owners | $32 | -43% | $-40 |
| St. Robert | Auto Owners | $29 | -45% | $-39 |
| St. Thomas | Auto Owners | $30 | -40% | $-33 |
| Sturdivant | Travelers | $37 | -42% | $-40 |
| Sturgeon | Auto Owners | $31 | -42% | $-38 |
| Success | Auto Owners | $31 | -44% | $-40 |
| Sugar Creek | Auto Owners | $38 | -42% | $-47 |
| Sullivan | Auto Owners | $32 | -46% | $-46 |
| Summersville | Auto Owners | $31 | -44% | $-41 |
| Sumner | Auto Owners | $32 | -39% | $-35 |
| Sunrise Beach | Auto Owners | $33 | -41% | $-38 |
| Sunset Hills | Auto Owners | $35 | -45% | $-49 |
| Sweet Springs | Auto Owners | $30 | -43% | $-38 |
| Syracuse | Auto Owners | $32 | -43% | $-40 |
| Tallapoosa | Travelers | $34 | -45% | $-43 |
| Taneyville | Auto Owners | $33 | -39% | $-36 |
| Tarkio | Auto Owners | $31 | -40% | $-34 |
| Taylor | Auto Owners | $30 | -43% | $-38 |
| Tebbetts | Auto Owners | $29 | -43% | $-38 |
| Tecumseh | Auto Owners | $34 | -41% | $-40 |
| Thayer | Auto Owners | $35 | -41% | $-41 |
| Theodosia | Auto Owners | $33 | -42% | $-40 |
| Thompson | Auto Owners | $30 | -43% | $-37 |
| Thornfield | Auto Owners | $33 | -43% | $-41 |
| Tiff | Auto Owners | $34 | -44% | $-45 |
| Tiff City | Auto Owners | $32 | -44% | $-42 |
| Tina | Auto Owners | $32 | -40% | $-36 |
| Tipton | Auto Owners | $30 | -43% | $-38 |
| Treloar | Auto Owners | $33 | -44% | $-44 |
| Trenton | Auto Owners | $31 | -42% | $-38 |
| Trimble | Auto Owners | $33 | -41% | $-39 |
| Triplett | Auto Owners | $32 | -39% | $-34 |
| Troy | Auto Owners | $32 | -46% | $-46 |
| Truesdale | Auto Owners | $33 | -42% | $-40 |
| Truxton | Travelers | $36 | -47% | $-49 |
| Tunas | Auto Owners | $32 | -44% | $-41 |
| Turners | Geico | $35 | -43% | $-43 |
| Turney | Auto Owners | $32 | -42% | $-38 |
| Tuscumbia | Auto Owners | $33 | -41% | $-39 |
| Udall | Auto Owners | $34 | -41% | $-40 |
| Ulman | Auto Owners | $32 | -43% | $-41 |
| Union | Auto Owners | $33 | -47% | $-50 |
| Union Star | Auto Owners | $32 | -41% | $-37 |
| Uniontown | Auto Owners | $33 | -39% | $-35 |
| Unionville | Auto Owners | $32 | -42% | $-39 |
| Urbana | Auto Owners | $33 | -42% | $-41 |
| Urich | Auto Owners | $31 | -43% | $-39 |
| Utica | Auto Owners | $31 | -41% | $-37 |
| Valles Mines | Auto Owners | $34 | -43% | $-43 |
| Valley Park | Auto Owners | $35 | -44% | $-45 |
| Van Buren | Auto Owners | $35 | -40% | $-39 |
| Vandalia | Auto Owners | $31 | -42% | $-37 |
| Vanduser | Auto Owners | $31 | -42% | $-38 |
| Vanzant | Auto Owners | $32 | -43% | $-41 |
| Verona | Auto Owners | $30 | -46% | $-44 |
| Versailles | Auto Owners | $31 | -45% | $-42 |
| Viburnum | Auto Owners | $33 | -44% | $-43 |
| Vichy | Auto Owners | $30 | -45% | $-42 |
| Vienna | Auto Owners | $31 | -43% | $-40 |
| Village of Four Seasons | Auto Owners | $32 | -41% | $-37 |
| Villa Ridge | Auto Owners | $35 | -46% | $-50 |
| Vulcan | Auto Owners | $35 | -41% | $-41 |
| Waldron | Auto Owners | $32 | -42% | $-40 |
| Walker | Auto Owners | $31 | -42% | $-38 |
| Walnut Grove | Auto Owners | $34 | -42% | $-42 |
| Walnut Shade | Auto Owners | $32 | -41% | $-37 |
| Wappapello | Auto Owners | $32 | -43% | $-41 |
| Wardell | Travelers | $35 | -45% | $-43 |
| Warrensburg | Auto Owners | $30 | -42% | $-38 |
| Warrenton | Auto Owners | $33 | -40% | $-37 |
| Warsaw | Auto Owners | $31 | -45% | $-42 |
| Washburn | Auto Owners | $31 | -44% | $-41 |
| Washington | Auto Owners | $32 | -46% | $-46 |
| Wasola | Auto Owners | $33 | -42% | $-41 |
| Watson | Auto Owners | $31 | -40% | $-34 |
| Waverly | Auto Owners | $31 | -42% | $-37 |
| Wayland | Auto Owners | $31 | -43% | $-39 |
| Waynesville | Auto Owners | $29 | -45% | $-40 |
| Weatherby | Auto Owners | $33 | -39% | $-35 |
| Weaubleau | Auto Owners | $33 | -42% | $-40 |
| Webb City | Auto Owners | $31 | -40% | $-34 |
| Webster Groves | Auto Owners | $37 | -43% | $-46 |
| Wellington | Auto Owners | $32 | -43% | $-40 |
| Wellsville | Auto Owners | $31 | -43% | $-39 |
| Wentworth | Auto Owners | $31 | -46% | $-44 |
| Wentzville | Auto Owners | $43 | -41% | $-48 |
| Wesco | Auto Owners | $30 | -45% | $-42 |
| West Alton | Auto Owners | $35 | -44% | $-47 |
| Westboro | Auto Owners | $31 | -39% | $-34 |
| Weston | Auto Owners | $32 | -42% | $-40 |
| Westphalia | Auto Owners | $30 | -42% | $-37 |
| West Plains | Auto Owners | $32 | -42% | $-40 |
| Wheatland | Auto Owners | $33 | -42% | $-40 |
| Wheaton | Auto Owners | $31 | -45% | $-42 |
| Wheeling | Auto Owners | $31 | -41% | $-37 |
| Whiteman AFB | Auto Owners | $30 | -43% | $-37 |
| Whiteoak | Geico | $35 | -40% | $-38 |
| Whiteside | Auto Owners | $33 | -46% | $-49 |
| Whitewater | Auto Owners | $30 | -45% | $-42 |
| Willard | Auto Owners | $34 | -42% | $-42 |
| Williamsburg | Auto Owners | $30 | -42% | $-37 |
| Williamstown | Auto Owners | $32 | -41% | $-38 |
| Williamsville | Auto Owners | $33 | -43% | $-42 |
| Willow Springs | Auto Owners | $31 | -45% | $-42 |
| Windsor | Auto Owners | $32 | -41% | $-37 |
| Windyville | Auto Owners | $31 | -45% | $-43 |
| Winfield | Auto Owners | $34 | -46% | $-49 |
| Winigan | Auto Owners | $33 | -40% | $-37 |
| Winona | Auto Owners | $35 | -39% | $-38 |
| Winston | Auto Owners | $32 | -41% | $-36 |
| Wolf Island | Geico | $35 | -40% | $-39 |
| Wooldridge | Auto Owners | $30 | -44% | $-40 |
| Worth | Auto Owners | $32 | -43% | $-40 |
| Worthington | Auto Owners | $33 | -40% | $-37 |
| Wright City | Auto Owners | $32 | -42% | $-38 |
| Wyaconda | Auto Owners | $32 | -42% | $-40 |
| Wyatt | Travelers | $38 | -40% | $-39 |
| Yukon | Auto Owners | $31 | -43% | $-40 |
| Zalma | Travelers | $37 | -42% | $-41 |
| Zanoni | Auto Owners | $34 | -41% | $-40 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Missouri by Driver Age Group
We analyzed car insurance rates across Missouri for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can get the lowest rates from Travelers, starting at $87 per month
- Adult drivers find the best deals with Auto Owners, with rates from $34 per month
- Senior drivers see the most affordable coverage through Farm Bureau, beginning at $38 per month
Cheapest Car Insurance For Young Drivers in Missouri
Young drivers in Missouri can find the lowest premiums with Travelers, averaging $87 per month ($1,039 annually). Farm Bureau is a close second at $90 per month, making both strong choices for budget-conscious young drivers.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Travelers | $87 | $1,039 | -50% | $-1,056 |
| Farm Bureau | $90 | $1,078 | -49% | $-1,017 |
| Auto Owners | $114 | $1,372 | -34% | $-722 |
| Shelter Insurance | $116 | $1,387 | -34% | $-707 |
| Geico | $119 | $1,430 | -32% | $-665 |
*The rates shown reflect individual policies. Younger drivers may qualify for lower premiums when added to a family policy instead of purchasing coverage on their own.
Cheapest Car Insurance For Adult Drivers in Missouri
For adult drivers, Auto Owners offers the cheapest coverage at $34 per month ($402 annually). Other affordable options include Farm Bureau at $35 per month and GEICO at $39 per month, giving drivers several ways to cut costs.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Auto Owners | $34 | $402 | -47% | $-364 |
| Farm Bureau | $35 | $426 | -44% | $-340 |
| Geico | $39 | $473 | -38% | $-293 |
| Travelers | $40 | $484 | -37% | $-282 |
| Shelter Insurance | $47 | $563 | -27% | $-203 |
Cheapest Car Insurance For Senior Drivers in Missouri
Seniors save the most with Farm Bureau, which averages $38 per month ($458 annually). Shelter Insurance and Travelers are also competitive, with monthly premiums in the $50–$56 range, still well below the state average.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| Farm Bureau | $38 | $458 | -56% | $-590 |
| Shelter Insurance | $50 | $594 | -43% | $-453 |
| Travelers | $56 | $671 | -36% | $-376 |
| Auto Owners | $60 | $716 | -32% | $-331 |
| Geico | $66 | $791 | -25% | $-257 |
Cheapest Car Insurance For High-Risk Drivers in Missouri
Your driving record is one of the biggest factors affecting car insurance rates in Missouri. Drivers with a clean history pay the lowest premiums, while violations such as texting while driving, speeding tickets, accidents, or DUIs can raise costs significantly. The table below highlights the cheapest providers in Missouri based on different driving records.
- Cheapest for Bad Credit: Kemper (From $71/mo)
- Cheapest With a DUI: Farm Bureau (From $47/mo)
- Cheapest With an Accident: Farm Bureau (From $51/mo)
- Cheapest With a Speeding Ticket: Farm Bureau (From $37/mo)
- Cheapest With a Texting While Driving Violation: Auto Owners (From $34/mo)
Cheapest Car Insurance For Bad Credit in Missouri
Drivers with poor credit will find the best rates through Kemper, at $71 per month ($852 annually). Farm Bureau and GEICO follow at $95 per month, providing additional low-cost options compared to other carriers.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| Kemper | $71 | $852 | -48% | $-786 |
| Farm Bureau | $95 | $1,138 | -31% | $-500 |
| Geico | $95 | $1,144 | -30% | $-494 |
| Shelter Insurance | $97 | $1,164 | -29% | $-474 |
| Auto Owners | $110 | $1,317 | -20% | $-321 |
Cheapest Car Insurance With a DUI in Missouri
After a DUI, Farm Bureau offers the most affordable coverage, averaging $47 per month ($567 annually). Travelers is close behind at $56 per month, giving drivers two strong options to lower post-DUI costs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $47 | $567 | -54% | $-655 |
| Travelers | $56 | $666 | -45% | $-556 |
| Shelter Insurance | $65 | $783 | -36% | $-439 |
| Kemper | $67 | $807 | -34% | $-415 |
| Progressive | $72 | $859 | -30% | $-363 |
Cheapest Car Insurance With an Accident in Missouri
Following an accident, Farm Bureau delivers the lowest premiums at $51 per month ($615 annually). Travelers is nearly identical at $52 per month, making both insurers reliable picks for affordable coverage.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $51 | $615 | -46% | $-515 |
| Travelers | $52 | $628 | -44% | $-502 |
| Shelter Insurance | $65 | $783 | -31% | $-347 |
| Geico | $66 | $790 | -30% | $-340 |
| Auto Owners | $70 | $845 | -25% | $-286 |
Cheapest Car Insurance With a Speeding Ticket
With a speeding violation, Farm Bureau again leads with rates at $37 per month ($449 annually). Travelers comes next at $49 per month, offering another budget-friendly alternative.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Farm Bureau | $37 | $449 | -53% | $-512 |
| Travelers | $49 | $590 | -39% | $-370 |
| Auto Owners | $51 | $613 | -36% | $-348 |
| Geico | $53 | $634 | -34% | $-326 |
| Shelter Insurance | $54 | $654 | -32% | $-307 |
Cheapest Car Insurance With a Texting While Driving Violation
Auto Owners has the lowest rate at $34 per month ($402 annually). Farm Bureau is next at $37 per month, with GEICO close behind at $47 per month.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Auto Owners | $34 | $402 | -57% | $-533 |
| Farm Bureau | $37 | $449 | -52% | $-487 |
| Geico | $47 | $561 | -40% | $-374 |
| Shelter Insurance | $50 | $595 | -36% | $-340 |
| Travelers | $56 | $666 | -29% | $-269 |
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 insurers across the state
Car insurance costs in Missouri differ widely depending on where you live. Drivers in St. Louis and Kansas City usually face the highest premiums because of heavy traffic, higher accident frequency, and theft risks. In smaller towns and rural counties, rates are often lower. Comparing quotes from at least three insurers, including regional carriers, helps find the cheapest option for your ZIP code.
- 2
Meet Missouri’s minimum coverage requirements
Missouri law requires drivers to carry at least 25/50/25 liability coverage along with uninsured motorist coverage at 25/50. Meeting these minimums keeps you legal, but many drivers choose higher limits or add-ons like underinsured motorist protection to avoid paying out of pocket after a serious accident.
- 3
Use Missouri-specific discounts
Insurers in Missouri commonly provide discounts for bundling home and auto, enrolling in telematics programs, paying the policy in full, or maintaining continuous coverage. Good student discounts apply for younger drivers, and many companies also offer savings for completing a state-approved driver safety program.
- 4
Match coverage to Missouri’s risks
Urban drivers in Kansas City and St. Louis often need full coverage with comprehensive and collision because of high accident rates and frequent theft claims. In rural areas, deer collisions are a major risk, and comprehensive coverage can help pay for damages that liability insurance won’t cover. Severe thunderstorms, hail, and tornadoes also make comprehensive coverage valuable throughout much of the state.
- 5
Adjust deductibles to control costs
Raising deductibles on collision or comprehensive coverage can lower monthly premiums. This approach works best if you have savings set aside to cover higher out-of-pocket costs in the event of a claim. On the other hand, keeping deductibles too low may keep payments high without offering better protection.
- 6
Maintain a strong driver profile
A clean driving record and good credit history are two of the most influential factors in setting premiums in Missouri. Avoiding violations and building credit are long-term strategies that consistently help drivers access lower rates.
- 7
Apply through MOAIP if you cannot get coverage
For high-risk drivers who cannot find insurance in the voluntary market, the Missouri Automobile Insurance Plan ensures access to liability coverage. These policies tend to cost more, so the plan should be used only as a last resort.
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.
Minimum Coverage Requirements in Missouri
Missouri law requires all drivers to carry liability insurance before registering or operating a vehicle. The state follows an at-fault system, which means the driver responsible for an accident must pay for the resulting damages. Insurance policies must include bodily injury and property damage liability, along with uninsured motorist coverage. These limits satisfy state law, but many drivers choose higher amounts for stronger financial protection.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $25,000 per accident |
Uninsured Motorist Bodily Injury | $25,000 per person / $50,000 per accident |
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 September 12, 2025.
- Insurance Information Institute. "Facts + Statistics: Uninsured Motorists." Accessed September 12, 2025.
- National Centers for Environmental Information. "Climate at a Glance: Statewide Time Series." Accessed September 12, 2025.
- National Insurance Crime Bureau. "Vehicle Thefts Surge Nationwide in 2023 ." Accessed September 12, 2025.