Cheapest Car Insurance in Missouri

Travelers offers the most affordable minimum coverage at just $38 monthly or $459 annually. This rate is $247 less per year compared to the state's average cost for similar coverage. These figures are provided by Quadrant Information Services and represent the cheapest rates in Missouri as of December 2024. Read our research methodology to learn about how we found the cheapest Missouri car insurance.

The cheapest car insurance company for most drivers in Missouri is Travelers, with an average monthly cost of $59. This rate is $36 less than the state average of $95. Other affordable options include American Family, Allstate, Progressive and State Farm.

We used combined minimum and full coverage rates for a 40-year-old driver with good credit and no driving violations to calculate these averages.

Travelers offers the most affordable car insurance for both minimum and full coverage for many drivers in Missouri. However, your personal background will influence your specific rate. Below, we highlight the cheapest car insurance rates for various driving profiles.

Read More: Cheapest Car Insurance

Travelers offers the cheapest rate for cheap minimum liability coverage, with Progressive, American Family and State Farm also providing affordable options for Missouri drivers. Use the table below to explore rates for similar companies with the best minimum coverage rates, and see how they compare to the monthly state average.

Travelers provides the cheapest full coverage auto insurance in Missouri, with rates averaging $80 per month or $965 per year, $51 less than the state's average cost.

Missouri's young adult drivers fare best with Travelers, the most affordable option. A minimum coverage policy with Travelers costs $44 per month for 25-year-olds.

We used minimum coverage for a 25-year-old driver with good credit and no driving violations to determine the cheapest provider.

Young drivers in Missouri can find affordable auto insurance with Travelers, offering minimum coverage at $44 per month. American Family leads in full coverage at $88. Rates may vary based on your record, but these companies provide a great starting point for finding affordable options.

Read More: Cheapest Car Insurance for Young Drivers

Missouri's senior drivers can find affordable rates with Progressive. The average policy costs $36 per month for minimum coverage.

We used minimum coverage for a 65-year-old driver with good credit and no driving violations to determine the cheapest provider.

Progressive and American Family offer the most affordable rates for senior drivers with different needs. While your quote might differ, use the rates below to guide your insurance search. Progressive is cheapest for minimum coverage at $36 monthly, while American Family leads in full coverage at $77 monthly.

Read More: Cheapest Car Insurance for Seniors

Missouri drivers with a DWI, at-fault accident or speeding ticket are considered "high-risk" by insurers, leading to higher premiums compared to those with a clean record. Depending on the offense, average premiums vary for high-risk drivers. Below are the best rates for Missouri drivers with these violations.

Progressive has the best rates for Missouri drivers with DWIs, averaging $43 per month ($510 per year) for minimum coverage insurance. Check the table below for a list of insurance providers and their average monthly premiums for drivers with DWIs in Missouri.

We used a 40-year-old driver with good credit and a DWI on record to calculate these averages.

Travelers is the cheapest company for drivers after an at-fault accident with rates averaging $53 per month ($636 per year). Below is a list of other insurers offering affordable coverage for drivers with accidents on their records. Rates are for minimum coverage policies.

We used a 40-year-old driver with good credit and an at-fault accident on record to calculate these averages.

Progressive offers the cheapest insurance for Missouri drivers with a speeding ticket at $48 per month. See the table below to compare providers offering minimum coverage for drivers with a speeding ticket.

We used a 40-year-old driver with good credit and a speeding ticket on record to calculate these averages.

Progressive is the cheapest car insurance provider for drivers with poor credit scores, offering rates of $48 per month and $573 annually for minimum coverage.

These rates are based on a 40-year-old driver with bad credit and a clean driving record.

Location is a significant factor in determining car insurance rates. Even within the same state, there can be substantial differences across cities due to factors like population density, flooding and crime rates.

For example, Travelers offers state minimum coverage in Columbia for $35 a month, while the same coverage costs $49 in St. Louis. Browse the table below to find your city, the cheapest company there and its lowest average monthly car insurance premium.

The lowest rate reference is for a minimum coverage policy for 40-year-olds with good credit and no driving violations.

Missouri's most affordable choice to bundle home and auto insurance is State Farm at $2,401. View other cheap options in the table below.

Rates are for a 40-year-old driver with good credit and no driving violations

In Missouri, the monthly average cost for full coverage car insurance is $132, while minimum coverage averages at $59. Understanding the average cost of car insurance in Missouri helps you pinpoint if your insurer's rate is a bargain.

In Missouri, your city changes your insurance cost. See average rates for different cities below for minimum and full coverage plans.

Car insurance is on the pricier side in Missouri, ranking 13th compared to others. This is likely due to the high population density in the state, frequent natural disasters, and higher-than-average vehicle theft rate.

Missouri law requires all drivers to carry car insurance policies with minimum coverage limits. These include a minimum of $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. Additionally, uninsured/underinsured motorist coverage is required with the same minimums of $25,000 per person and $50,000 per accident.

If you finance or lease your car, you will likely have to buy comprehensive and collision insurance in addition to minimum liability coverages. Although a minimum liability auto insurance policy is the least expensive option, it offers the lowest amount of financial protection. Experts recommend driving with full coverage insurance with the highest deductible and liability limits you can afford.

Drivers with serious traffic violations, like speeding or drunk driving, may need to file for SR-22 insurance, which can increase your premium. In Missouri, either you or your insurance provider can submit the SR-22 form. It remains valid for two to three years from your most recent offense.

In Missouri, self-insurance is a common alternative to traditional car insurance. This option allows drivers to meet state requirements by maintaining a bond or cash deposit with the state, demonstrating financial responsibility.

For business owners, fleet insurance is a practical alternative. It covers multiple vehicles under one policy, simplifying management and ensuring compliance with state insurance requirements.

MoneyGeek recommends that drivers get full coverage car insurance, which includes liability, collision, and comprehensive coverage. We suggest the following liability limits:

• $100,000 in bodily injury liability per person
• $300,000 in bodily injury liability per accident
• $100,000 in property damage per accident

Comprehensive coverage pays for damage to your car from events like theft, vandalism or severe weather when you're not on the road. Collision coverage, on the other hand, helps pay for your car's repairs if you're in an accident while driving.

If your car has high value, MoneyGeek advises getting both comprehensive and collision insurance, even though it's not a legal requirement. Choose a deductible for these coverages that you're comfortable paying out of pocket. This way, you're prepared before insurance covers the remaining costs.

Travelers has the cheapest car insurance in Missouri, with full coverage at $80 and minimum coverage at $38 monthly. While low prices are tempting, cheapest isn't always best. Experts say to buy as much coverage as you can afford for the safest driving.

MoneyGeek answers commonly asked questions about the cheapest car insurance in Missouri to ensure you get the right coverage for your situation.

MoneyGeek obtained Missouri auto insurance rates from the Missouri Department of Insurance and Quadrant Information Services. We examined 43,229 auto insurance quotes from 11 providers across 64 ZIP codes to determine the most affordable car insurance companies in Missouri.

Missouri Driver Profile

We used a driver profile with the following background information to identify the cheapest auto insurance companies in Missouri:

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

To find the cheapest option for various driver backgrounds, we adjusted this sample profile by age, driving record, credit score, car make and model, and military service where specified.

Standard Coverage Levels in Missouri

We compared car insurance companies in Missouri that offer both 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:

• Bodily injury liability per person: $25,000
• Bodily injury liability per accident: $50,000
• Property damage liability per accident: $25,000
• Uninsured motorist bodily injury per person: $25,000
• Uninsured motorist bodily injury per accident: $50,000

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

Home and Auto Coverage Levels in Missouri

MoneyGeek analyzed the rates of insurance companies for a full coverage auto insurance policy that includes the following coverage and limits:

• $100,000 in property damage liability
• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• Comprehensive and collision coverage with a $1,000 deductible