The best car insurance companies in Missouri are USAA, State Farm, Travelers, Farm Bureau, and Auto-Owners — though rates will depend on your driving record and other factors.
By
Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
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Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.
Updated|3 min read
Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.
USAA is the cheapest car insurance company in Missouri with an average rate of $62 per month, but it’s only available if you’re affiliated with the military.
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The other cheapest car insurance companies in Missouri are State Farm, Travelers, Farm Bureau, and Auto-Owners. Since rates are different for every driver, you should compare quotes to be sure you get the best price.
Average cost per month
USAA
$62
State Farm
$92
Travelers
$100
Farm Bureau
$102
Auto-Owners
$112
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Missouri
USAA
Policygenius rating
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
5.0
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
All 50 states
Bundle home & auto
Coverage for rideshare drivers
Good student discount
Usage-based discount
Offers classic car insurance
Mobile app
Offers motorcycle insurance
Why we chose it
USAA has some of the best car insurance rates and customer service ratings of any company that offers policies in Missouri. Available add-ons include gap insurance, rental car reimbursement coverage, and roadside assistance.
Pros and cons
Pros
Low rates
Available nationwide
High customer service ratings
Cons
Only available to military members and their families
More details
Why we chose USAA:
If you’re an active or retired member of the military or a part of a military family, USAA has the best car insurance in Missouri. USAA also offers gap coverage, which may be required if you lease or finance your car, and has special savings for service members, like a discount if you garage your car on base.
In addition to the cheap rates, USAA earns high ratings J.D. Power for claims satisfaction. It also receives about the average number of complaints for the industry, according to the National Association of Insurance Commissioners.
How does the cost of car insurance from USAA compare to average in Missouri?
The average cost of car insurance from USAA in Missouri is $62 a month or $741 per year, which is 53% cheaper than the statewide average.
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.8
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Bundle home & auto
Coverage for rideshare drivers
Good student discount
Mobile app
Usage-based discount
Offers classic car insurance
Offers motorcycle insurance
Why we chose it
State Farm is one the best car insurance companies in Missouri thanks to its cheap rates and high customer service ratings. State Farm can even be an affordable pick for drivers with spotty records.
Pros and cons
Pros
Available in almost every state
Low rates for teens and drivers with accidents
High customer satisfaction ratings
Cons
Limited coverage options
More details
Why we chose State Farm:
State Farm is one of the best and cheapest car insurance companies in Missouri, even for drivers who have been in an accident or gotten a speeding ticket.
State Farm also has high customer satisfaction ratings and receives fewer complaints than is average for the industry, according to the National Association of Insurance Commissioners.
How does the cost of car insurance from State Farm compare to the average in Missouri?
The average cost of State Farm car insurance in Missouri is $92 a month or $1,100 per year, which is 31% cheaper than the statewide average.
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.7
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Accident forgiveness
Bundle home & auto
Usage-based discount
Offers gap coverage
Offers new car replacement
All 50 states
Coverage for rideshare drivers
Mobile app
New homebuyer discount
Why we chose it
Travelers has cheaper-than-average car insurance rates in Missouri (along with a lengthy list of discounts), and a range of useful coverage add-ons.
Pros and cons
Pros
Offers useful add-ons like new car replacement and gap coverage
Cheaper-than-average rates
Receives few complaints for service
Cons
Has lower satisfaction ratings than competitors
More details
Why we chose Travelers:
Travelers is another one of the cheapest car insurance companies in Missouri, and your car insurance might be even more affordable once you factor in Travelers’s many discounts.
Travelers’s coverage options are another strong point. You can add optional coverages like gap insurance, along with accident forgiveness, new car replacement, and more to a basic policy.
How does the cost of car insurance from Travelers compare to average in Missouri?
The average cost of car insurance from Travelers in Missouri is $100 a month or $1,205 per year, which is 24% cheaper than the statewide average.
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.7
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
All 50 states
Bundle home & auto
Good student discount
Mobile app
Offers classic car insurance
Usage-based discount
Why we chose it
Farm Bureau offers cheap car insurance rates in Missouri and basic coverage through its regional affiliate. It also offers highly rated customer service.
Pros and cons
Pros
Cheap rates
Offers new car replacement
Special discount for drivers under 25
Cons
Not a ton of coverage options
More details
Why we chose Farm Bureau:
Farm Bureau is one of the cheapest companies for car insurance in Missouri. You have to be a Farm Bureau member to get coverage, but membership fees are low. Rates are even affordable if you have teen drivers at home or your driving record isn’t perfect.
Farm Bureau also has great customer service. It doesn’t have a claims satisfaction rating from J.D. Power, but Farm Bureau receives very few complaints from its customers compared to the industry average.
How does the cost of car insurance from Farm Bureau compare to average in Missouri?
The average cost of car insurance in Missouri from Farm Bureau is $102 a month or $1,223 per year, which is 23% cheaper than the statewide average.
Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.
4.7
AM Best rating
AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
A++
Cost
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
$
$
$
$
$
Bundle home & auto
Offers gap coverage
Mobile app
Good student discount
Offers classic car insurance
Offers motorcycle insurance
Why we chose it
Auto-Owners has affordable coverage in Missouri and high customer service ratings, plus a range of useful coverage add-ons and discounts.
Pros and cons
Pros
Lower-than-average rates
Offers gap coverage
Owned by its policyholders
Cons
Not offered in every state
More details
Why we chose Auto-Owners:
Auto-Owners also has cheaper-than-average auto insurance rates in Missouri, and a range of available discounts.
Auto-Owners offers gap insurance, along with accident forgiveness, and coverage for your car’s lost value after an accident.
How does the cost of car insurance from Auto-Owners compare to average in Missouri?
The average cost of car insurance from Auto-Owners in Missouri is $112 a month or $1,349 per year, which is 15% cheaper than the statewide average.
The best car insurance company in Missouri is USAA, which scored the highest in its region on J.D. Power’s 2023 Auto Insurance Study. [1] This survey measures how policyholders feel about their company, including customer service, billing, claims, and price.
Shelter is the best car insurance company in Missouri if you aren’t in the military and don’t qualify for coverage from USAA.
Rank
Company
Score
1
USAA
890
2
Shelter
851
3
State Farm
833
4
Auto-Owners Insurance
829
5
Farmers
819
5
GEICO
819
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Cheapest car insurance companies by age in Missouri
Your age also matters a lot when it comes to car insurance. Young drivers pay much more than older drivers because of their lack of driving experience. But some companies offer offer cheaper rates to young drivers than others.
We found that USAA has the cheapest car insurance in Missouri across different age groups.
Age
Cheapest company
Average cost
16
USAA
$2,511
18
USAA
$1,637
21
USAA
$1,050
25
USAA
$874
30
USAA
$789
35
USAA
$740
45
USAA
$695
55
USAA
$656
60
USAA
$648
65
USAA
$656
70
USAA
$703
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Choosing the right car insurance company in Missouri
Choosing the right car insurance company may seem like an overwhelming task, but it’s easier than you think. Make sure you’re considering these key factors:
Cost: Get quotes from multiple car insurance companies so you can compare options and make sure you’re getting affordable rates
Coverage: The higher you set your limits, the more protection you’ll have in case of an accident, so figure out how much coverage you can get while staying in budget
Service: Check out things like claims satisfaction ratings or perks like accident forgiveness to make sure you’re choosing a company that will do right by you
Policygenius makes it easy to see rates from top companies so you know exactly what your options are.
Car insurance rates for drivers with driving violations in Missouri
Your driving history can have a big impact on how much you pay for car insurance. Speeding tickets, accidents and violations like a DUI will increase your rates, sometimes by thousands of dollars a year.
We found that USAA or StateFarm has the cheapest car insurance in Missouri after a violation.
USAA
State Farm
Travelers
Farm Bureau
Auto-Owners Insurance
At-fault accident
$1,039
$1,277
$1,606
$1,314
$3,497
Suspended license
$1,305
$1,200
$1,742
$1,494
$3,117
Open container
$1,093
$1,200
$1,542
$1,494
$1,760
Expired registration
$944
$1,200
$1,542
$1,223
$1,367
Driving without lights
$944
$1,200
$1,517
$1,223
$1,760
Running a red light
$944
$1,200
$1,542
$1,268
$1,760
Following too closely
$944
$1,200
$1,542
$1,268
$1,760
Hit and run
$1,402
$1,200
$1,742
$1,494
$3,117
Not-at-fault accident
$800
$1,122
$1,299
$1,223
$1,367
Passing a school bus
$1,093
$1,200
$1,742
$1,268
$1,923
Reckless driving
$1,182
$1,200
$1,742
$1,268
$3,117
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Cheapest car insurance after an accident in Missouri
The cheapest car insurance after an at-fault accident in Missouri is USAA, which offers coverage for $87 a month or $1,039 a year. If you can’t get coverage from USAA, State Farm is the most affordable company.
Rates for drivers with an at-fault accident
USAA
$1,039
State Farm
$1,277
Farm Bureau
$1,314
Travelers
$1,606
Auto-Owners
$3,497
Cheapest car insurance for drivers with a DUI in Missouri
We found that State Farm has the cheapest car insurance in Missouri after a DUI. On average, State Farm costs $100 a month or $1,200 a year if you have a DUI on your record.
Rates for drivers with DUIs
State Farm
$1,200
USAA
$1,356
Farm Bureau
$1,494
Travelers
$1,742
Auto-Owners Insurance
$3,117
Cheapest car insurance for drivers with a speeding ticket in Missouri
USAA has the cheapest car insurance rates if you have a speeding ticket. We found that coverage in MIssouri from USAA costs $79 a month or $944 a year after a speeding ticket.
Cheapest car insurance for drivers with bad credit in Missouri
Drivers with poor credit typically pay more for car insurance, which makes it all the more important for them to shop around before they buy a policy. The table below shows the five cheapest car insurance companies in Missouri for drivers who have bad credit.
We found that USAA has the cheapest car insurance in Missouri for people with bad credit.
Rates for drivers with bad credit
USAA
$1,386
State Farm
$1,985
Columbia Insurance
$2,034
Farm Bureau
$2,058
Travelers
$2,186
Cheapest car insurance in Missouri by city
Car insurance rates depend on lots of local factors, like crime rates, traffic, population density, the number of traffic accidents where you live, and others. Here are the cheapest companies in the 10 largest cities in Missouri.
Largest cities
Cheapest company
Average yearly rate for the cheapest company
Overall citywide average
Kansas City
USAA
$746
$1,835
St. Louis
USAA
$783
$2,434
Springfield
USAA
$745
$1,563
Columbia
USAA
$775
$1,450
Independence
USAA
$746
$1,686
Lee's Summit
USAA
$746
$1,563
O'Fallon
USAA
$746
$1,537
St. Charles
USAA
$783
$1,551
St. Joseph
USAA
$737
$1,532
Blue Springs
USAA
$746
$1,550
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Ready to shop car insurance?
Buying car insurance in Missouri
Missouri requires that all drivers have a minimum amount of car insurance — and you must show proof of insurance when you register your vehicle. The minimum amounts required are:
$25,000 per person/$50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
$25,000 per person/$50,000 per accident in uninsured motorist coverage
Missouri is not a no-fault state. This means that the insurance of the driver who is determined to be at fault for an accident will pay for the other driver’s repair costs and medical bills. That’s why it’s a good idea to set your liability limit much higher than the minimums required by the state.
How to get cheap car insurance in Missouri
There are several ways to get cheap car insurance in Missouri, including:
Drive safely: Avoid accidents and moving violations if you want to keep your car insurance rates low
Compare quotes: Shop around and compare rates from multiple insurance companies before you buy.
Take advantage of discounts: Most insurance companies offer discounts for things like paying your bill in full for the year, going paperless, taking a defensive driving course, and owning a home
Bundle policies: Get your home and auto insurance from the same company and you’ll save on both
Who has the cheapest car insurance rates in Missouri?
According to our data, you’ll get the cheapest car insurance rates in Missouri with USAA or State Farm, but rates can vary widely so you should still make sure to get multiple quotes before you pick a policy.
How can I save on my car insurance in Missouri?
The best way to save on your car insurance is to avoid accidents and violations including speeding tickets. You should also watch your credit score and be sure to get quotes from multiple companies when you shop.
Is Missouri a no-fault state?
No, Missouri is not a no-fault state. The insurance of the driver who is determined to be at-fault for an accident will pay for the other driver’s expenses, including medical bills.
Does Missouri require car insurance?
Yes, Missouri requires a minimum of $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 per accident for property damage liability. You must also carry uninsured motorists coverage of $25,000 per person/$50,000 per accident for bodily injury.
References
Policygenius uses external sources, including government data, industry studies, and reputable news organizations to supplement proprietary marketplace data and internal expertise. Learn more about how we use and vet external sources as part of oureditorial standards.
Andrew Hurst is a senior editor at Policygenius who has spent his entire career writing about life, disability, home, auto, and health insurance. His work has been featured in The New York Times, The Wall Street Journal, the Washington Post, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, and Property Casualty 360.
Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.