Here’s a breakdown of how we reviewed and rated the top auto insurance providers
Key Takeaways
- USAA, Farm Bureau, Travelers, Progressive and Shelter Insurance are the cheapest car insurance companies in Missouri.
- Minimum liability coverage costs an average of $657 per year in Missouri, which is 8% cheaper than the national average of $716 per year.
- Full coverage in the state is an average of $2,525 per year, which is 6% more than the national average of $2,386.
Missouri Car Insurance at a Glance: Missouri drivers must meet the following auto insurance requirements:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
Cheapest Car Insurance Companies in Missouri
Below are the five cheapest Missouri auto insurers and their average monthly rates for minimum liability and full-coverage car insurance. Unless otherwise noted, rates in this article are for a 35-year-old driver who owns a 2023 Toyota Camry and has good credit and no driving violations.
| Cheapest Car Insurance Company in Missouri | Average Monthly Minimum-Coverage Rate | Average Monthly Full-Coverage Rate |
|---|---|---|
| USAA | $27 | $104 |
| Missouri Farm Bureau | $32 | $201 |
| Travelers | $39 | $133 |
| Progressive | $42 | $205 |
| Shelter Insurance | $51 | $185 |
Cheapest Car Insurance Rates in Missouri: Driver Profile
To help you find the most affordable auto insurer for your needs, we’ve highlighted the lowest average minimum-coverage rates for a variety of driver profiles in Missouri:
| Cheap Car Insurance Category | Cheapest Monthly Minimum-Coverage Rate | Missouri Average Minimum-Coverage Rate |
|---|---|---|
| Teens (16-year-olds): USAA | $107 | $245 |
| Young adults (25-year-olds): USAA | $31 | $71 |
| Adults (35-year-olds): USAA | $27 | $55 |
| Seniors (75-year-olds): USAA | $35 | $67 |
| Bad credit: USAA | $49 | $129 |
| After a DUI: Missouri Farm Bureau | $42 | $84 |
| After an accident: Missouri Farm Bureau | $35 | $83 |
| After a speeding ticket: USAA | $34 | $67 |
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The following links offer tips to help various types of drivers find cheap auto insurance:
Cheapest Car Insurance by City in Missouri
Car insurance rates vary with your location. Check out the table below to find the lowest average minimum-coverage rates and the cheapest auto insurance providers for select cities across Missouri.
| City in Missouri | Cheapest Missouri Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|---|
| Arnold | USAA | $28 |
| Blue Springs | USAA | $25 |
| Cape Girardeau | USAA | $28 |
| Columbia | USAA | $28 |
| Farmington | USAA | $28 |
| Florissant | USAA | $28 |
| Grandview | USAA | $25 |
| Independence | USAA | $25 |
| Jefferson City | USAA | $28 |
| Kansas City | USAA | $25 |
| Kirkwood | USAA | $28 |
| Lee’s Summit | USAA | $25 |
| Liberty | USAA | $25 |
| Oakville | USAA | $28 |
| Poplar Bluff | USAA | $28 |
| Raymore | USAA | $25 |
| Sedalia | USAA | $25 |
| Springfield | USAA | $29 |
| St. Charles | USAA | $28 |
| St. Joseph | USAA | $23 |
| St. Louis | USAA | $28 |
| St. Peters | USAA | $29 |
| Warrensburg | USAA | $25 |
| Webster Groves | USAA | $28 |
Cheapest Car Insurance Coverage in Missouri
The level of coverage you buy has a significant impact on your car insurance rates. State-required minimum coverage costs much less than full coverage, but it only helps pay for damages to other drivers and their property. You’ll need full coverage if you want protection for your own injuries or vehicle damage.
In the following sections, you’ll find Missouri’s cheapest auto insurers for minimum and full coverage.
Cheapest Missouri Minimum-Coverage Auto Insurance: USAA
Missouri Average Minimum-Coverage Cost: $55 per month
USAA offers the lowest rates on minimum coverage at $27 per month on average. This is about half of the state average. The downside is that USAA policies are only available to active-duty military members, veterans and their immediate family members. If you don’t qualify for USAA coverage, Missouri Farm Bureau is another good option for cheap liability coverage.
| Cheapest Missouri Car Insurance Company | Average Monthly Minimum Coverage Rate | Savings Compared to the Missouri Average |
|---|---|---|
| USAA | $27 | 51% |
| Missouri Farm Bureau | $32 | 42% |
| Travelers | $39 | 29% |
| Progressive | $42 | 23% |
| Shelter Insurance | $51 | 7% |
Read more: Cheapest Liability-Only Car Insurance
Cheapest Missouri Full-Coverage Auto Insurance: USAA
State Average Full-Coverage Cost: $210 per month
USAA also offers the lowest full-coverage rates in Missouri, with an average cost of $104 per month. This is 51% cheaper than the statewide average. Travelers is a good option for cheap full coverage if you don’t qualify for USAA.
| Cheapest Missouri Car Insurance Company | Average Monthly Full-Coverage Rate | Savings Compared to the Missouri Average |
|---|---|---|
| USAA | $104 | 51% |
| Travelers | $133 | 37% |
| Shelter Insurance | $185 | 12% |
| Missouri Farm Bureau | $201 | 4% |
| Progressive | $205 | 3% |
Read more: Cheapest Full-Coverage Car Insurance
Cheapest Car Insurance by Age in Missouri
Age is also a key factor in determining car insurance rates. The youngest drivers on the road generally pay the highest rates, while middle-aged people with clean driving records and good credit typically pay the lowest premiums. Auto insurance rates begin to climb again once drivers reach their mid-60s.
Cheapest Missouri Auto Insurance for Teens: USAA
Missouri Minimum-Coverage Average for Teen Drivers: $245 per month
Missouri Full-Coverage Average for Teen Drivers: $500 per month
On average, USAA has the cheapest auto insurance rates for 16-year-old Missouri drivers for both minimum and full coverage. The company’s minimum-coverage rates are 56% cheaper than the statewide average for this age group, while full-coverage rates are about 26% below the state average. If you aren’t eligible for coverage with USAA, Missouri Farm Bureau is the next most affordable option.
| Cheapest Missouri Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $107 |
| Missouri Farm Bureau | $107 |
| Travelers | $157 |
| Shelter Insurance | $169 |
| Progressive | $212 |
*Rates are for 16-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Cheapest Missouri Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $372 |
| Missouri Farm Bureau | $499 |
| Travelers | $505 |
| Shelter Insurance | $542 |
| State Farm | $620 |
*Rates are for 16-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Missouri Auto Insurance for Young Adults: USAA
Missouri Minimum-Coverage Average for Young Adult Drivers: $71 per month
Missouri Full-Coverage Average for Young Adult Drivers: $261 per month
Young adult drivers in Missouri can find the cheapest car insurance rates with USAA. The company’s rates are 56% cheaper than the state average for minimum coverage and 52% cheaper for full coverage. For 25-year-olds who aren’t eligible for USAA auto insurance, Missouri Farm Bureau and Travelers are also affordable options.
| Cheapest Missouri Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $31 |
| Missouri Farm Bureau | $42 |
| Travelers | $43 |
| Progressive | $54 |
| State Farm | $74 |
*Rates are for 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
| Cheapest Missouri Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $125 |
| Travelers | $148 |
| Progressive | $244 |
| Missouri Farm Bureau | $248 |
| Shelter Insurance | $268 |
*Rates are for 25-year-old drivers with good credit and no driving violations who own a 2023 Toyota Camry.
Cheapest Missouri Auto Insurance for Adults: USAA
Missouri Minimum-Coverage Average for Adults: $55 per month
Missouri Full-Coverage Average for Adults: $210 per month
USAA again checks in with the cheapest auto coverage for 35-year-olds in Missouri, with both minimum and full coverage averaging about 50% cheaper than the state average. Missouri Farm Bureau and Travelers are good options for those who don’t qualify for USAA insurance.
| Cheapest Missouri Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $27 |
| Missouri Farm Bureau | $32 |
| Travelers | $39 |
| Progressive | $42 |
| Shelter Insurance | $51 |
| Cheapest Missouri Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $104 |
| Travelers | $133 |
| Shelter Insurance | $185 |
| Missouri Farm Bureau | $201 |
| Progressive | $205 |
Cheapest Missouri Auto Insurance for Seniors: USAA
Missouri Minimum-Coverage Average for Seniors: $67 per month
Missouri Full-Coverage Average for Seniors: $213 per month
USAA also has the cheapest rates for 75-year-old Missouri drivers — on average, its minimum-coverage rates are 48% lower than the statewide average and full-coverage rates are 46% lower. Missouri Farm Bureau Insurance and Travelers are affordable options for those who aren’t eligible for USAA insurance.
| Cheapest Missouri Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $35 |
| Missouri Farm Bureau | $38 |
| Travelers | $47 |
| Progressive | $51 |
| Shelter Insurance | $52 |
*Rates are for 75-year-old drivers who own a 2023 Toyota Camry and have good credit and no driving violations.
| Cheapest Missouri Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $115 |
| Travelers | $134 |
| Progressive | $181 |
| Shelter Insurance | $185 |
| Missouri Farm Bureau | $207 |
*Rates are for 75-year-old drivers who own a 2023 Toyota Camry and have good credit and no driving violations.
The articles below provide additional details on auto insurance rates for different age groups.
Cheapest Car Insurance for High-Risk Drivers in Missouri
Violations, accidents and other blemishes on your driving history will likely increase the cost of your car insurance coverage, but not forever. How long something affects your rate depends on the factor. In Missouri, minor violations, such as speeding tickets, typically stop being factors within three years. But more serious violations, such as DUIs, may impact your car insurance rates for at least 10 years.
Read more: Best Car Insurance for High-Risk Drivers
Cheapest Missouri Auto Insurance for Bad Credit: USAA
Missouri Minimum-Coverage Average for Bad Credit: $129 per month
Missouri Full-Coverage Average for Bad Credit: $334 per month
USAA has the cheapest coverage for Missouri drivers with bad credit, with average rates that are 62% cheaper than the statewide average for liability coverage and 43% cheaper for full coverage. Missouri Farm Bureau and Travelers are also affordable options for those who don’t meet USAA eligibility requirements.
| Cheapest Missouri Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $49 |
| Missouri Farm Bureau | $61 |
| Travelers | $65 |
| Progressive | $80 |
| Geico | $115 |
*Rates are for a 35-year-old driver who owns a 2023 Toyota Camry and has no driving violations.
| Cheapest Missouri Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $190 |
| Travelers | $228 |
| Missouri Farm Bureau | $347 |
| Progressive | $354 |
| Nationwide | $417 |
*Rates are for a 35-year-old driver who owns a 2023 Toyota Camry and has no driving violations.
Read more: Best Car Insurance for Bad Credit
Cheapest Missouri Auto Insurance After a DUI: Missouri Farm Bureau
Missouri Minimum-Coverage Average After a DUI: $84 per month
Missouri Full-Coverage Average After a DUI: $291 per month
Missouri Farm Bureau provides the lowest minimum-coverage auto insurance rates for Missouri drivers with a DUI conviction. The company’s average rate for these drivers is half of the state average. Travelers is cheapest for drivers with a DUI conviction who need full coverage, coming in at an average of 41% below the state average.
| Cheapest Missouri Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Missouri Farm Bureau | $42 |
| Progressive | $47 |
| Travelers | $50 |
| USAA | $52 |
| State Farm | $61 |
*Rates are for a 35-year-old driver who has good credit and owns a 2023 Toyota Camry.
| Cheapest Missouri Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| Travelers | $171 |
| USAA | $182 |
| Progressive | $229 |
| Missouri Farm Bureau | $240 |
| State Farm | $248 |
*Rates are for a 35-year-old driver who has good credit and owns a 2023 Toyota Camry.
Read more: How Does a DUI or DWI Affect Your Car Insurance Rate?
Cheapest Missouri Auto Insurance After an Accident: Missouri Farm Bureau
Missouri Minimum-Coverage Average After an Accident: $83 per month
Missouri Full-Coverage Average After an Accident: $289 per month
Missouri Farm Bureau offers the cheapest minimum-coverage auto coverage for Missouri drivers with a recent accident. Its minimum-coverage rates are an average of 58% below the state average for these drivers. For full coverage, USAA offers rates that are an average of 51% cheaper than the state average.
| Cheapest Missouri Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| Missouri Farm Bureau | $35 |
| USAA | $40 |
| Travelers | $49 |
| Progressive | $57 |
| State Farm | $66 |
*Rates are for a 35-year-old driver who has good credit and owns a 2023 Toyota Camry.
| Cheapest Missouri Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $142 |
| Travelers | $166 |
| Missouri Farm Bureau | $214 |
| Shelter Insurance | $239 |
| Progressive | $258 |
*Rates are for a 35-year-old driver who has good credit and owns a 2023 Toyota Camry.
Read more: How Much Does Car Insurance Increase After an Accident? or What To Do After a Car Accident
Cheapest Missouri Auto Insurance After a Speeding Ticket: USAA
Missouri Minimum-Coverage Average After a Speeding Ticket: $67 per month
Missouri Full-Coverage Average After a Speeding Ticket: $249 per month
USAA has the cheapest coverage for Missouri drivers with a speeding ticket, with rates averaging 49% below the statewide average for liability and 50% below for full coverage. Missouri Farm Bureau and Travelers are again better options for those who aren’t eligible for USAA car insurance.
| Cheapest Missouri Car Insurance Company | Average Monthly Full-Coverage Rate |
|---|---|
| USAA | $34 |
| Missouri Farm Bureau | $34 |
| Travelers | $45 |
| Progressive | $51 |
| Shelter Insurance | $60 |
*Rates are for a 35-year-old driver who has good credit and owns a 2023 Toyota Camry.
| Cheapest Missouri Car Insurance Company | Average Monthly Minimum-Coverage Rate |
|---|---|
| USAA | $124 |
| Travelers | $157 |
| Shelter Insurance | $207 |
| Missouri Farm Bureau | $208 |
| Progressive | $240 |
*Rates are for a 35-year-old driver who has good credit and owns a 2023 Toyota Camry.
Read more: Best Speeding Ticket Car Insurance
Largest Car Insurance Providers in Missouri
According to data from the National Association of Insurance Commissioners, State Farm is the largest auto insurance provider in Missouri. Here’s a look at the 10 largest car insurance companies in the state.
Missouri Car Insurance Trends: What You Need To Know
Missouri falls in the more expensive half of U.S. states when it comes to average car insurance costs. The Show-Me State is the 20th most expensive state for minimum coverage and the 15th most expensive for full coverage. Although the state’s average minimum-coverage rate is below the national average, its average premium for full coverage is higher. Part of the reason for higher premiums is traffic deaths and vehicle theft. These factors influence auto insurance premiums on a state and city level.
- According to data analyzed by the Insurance Information Institute, Missouri saw a 4% increase in motor vehicle traffic deaths between 2021 and 2022.
- Missouri is the 10th state in the nation for motor vehicle theft despite a 7% reduction from 2022 to 2023. The state had over 27,000 vehicle thefts in 2023.
Read more: Why Is Car Insurance So Expensive?
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Cheap Car Insurance in Missouri: FAQ
USAA offers the cheapest car insurance in Missouri, with its average rates for both minimum coverage and full coverage being about 50% less than state averages. However, its insurance policies are only available to active-duty military members, veterans and their immediate families. If you aren’t eligible for USAA auto insurance, Missouri Farm Bureau is also an affordable option for minimum coverage.
Minimum liability car insurance costs an average of $657 annually in Missouri, which is 8% cheaper than the national average of $716 per year. Full coverage in Missouri costs an average of $2,525 annually, which is about 6% more than the national average of $2,386 per year.
Minimum liability coverage in Missouri costs $55 per month on average, and full coverage averages $210 per month.
Our Methodology: How We Vetted Missouri Car Insurance Providers
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.
- Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.
- Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
- Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.
Our credentials:
- 800+ hours researched
- 130+ companies reviewed
- 8,500+ consumers surveyed
Studies and Ratings We Cite
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Our provider reviews cite several key industry studies and ratings, including:
- J.D. Power 2024 U.S. Insurance Shopping Study The annual J.D. Power U.S. Insurance Shopping Study measures customer satisfaction and purchase experience with auto insurance providers based on five categories: brand, price, distribution channel, quote process and policy offerings. The study average score is 676/1,000.
- J.D. Power 2024 U.S. Auto Claims Satisfaction Study The annual J.D. Power U.S. Auto Claims Study rates the claims experience customers have with different providers based on eight categories: trust, fairness of settlement, time to settle a claim, people, communication, ease of resolving a claim, ease of starting a claim and digital channels. Car insurance providers are assessed at the national level. The study average score is 697/1,000.
- NAIC Complaint Index The National Association of Insurance Commissioners Complaint Index is a representation of the number of complaints auto insurance providers receive relative to the average number of complaints for the industry based on their size. A score of 1 represents the average number of complaints for the industry.
*Data accurate at time of publication.
