The cheapest car insurance in Missouri costs $113 per month for a full coverage policy from Nationwide. That’s a $52 savings from the average cost of insurance in the state, which is $165 a month.
“Drivers looking to get the cheapest insurance premiums in Missouri should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren McKenzie, senior insurance agent, A Plus Insurance.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Missouri including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
- Among the companies analyzed by CarInsurance.com, Nationwide stands out as the cheapest option for full coverage car insurance in Missouri, with an insurance premium of $113 per month.
- Drivers in Missouri with a clean record pay 29% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Missouri is Jefferson City, with an annual premium of $1,776 .
- Missouri drivers can save up to 32% annually on their auto insurance policy by comparing price quotes from multiple carriers.
Which company offers the cheapest car insurance rates in Missouri?
Nationwide offers the cheapest car insurance rates in Missouri for a full coverage policy with an average premium of $113 per month or around $1,361 per year, based on CarInsurance.com’s rate analysis.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Missouri. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Missouri per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Nationwide | $113 |
| Travelers | $126 |
| Missouri Farm Bureau Grp | $154 |
| Shelter Insurance | $159 |
| Progressive | $163 |
| State Farm | $173 |
| Auto Club Enterprises (AAA) | $195 |
| Allstate | $238 |
| Geico | $268 |
| USAA* | $91 |
Note: USAA is only available to military community members and their families.
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Missouri drivers who pay lower insurance premiums
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 8% less than single drivers.
- Missouri drivers with clean records pay 29% less than drivers who have a DUI on their record.
- Missouri drivers in their 20s pay 58% lower rates for insurance than a 16-year-old in Missouri.
- Adding a teen to your policy will cost you 64% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 27% less on their insurance premiums.
- Drivers insured for three or more years can save up to 19% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 4% for this state more on their premiums.
Cheapest companies for different coverage levels in Missouri
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Missouri Farm Bureau Grp is the cheapest for a state minimum policy.
- Missouri Farm Bureau Grp has the cheapest rates for a liability-only policy (50/100/50).
- Nationwide offers the cheapest car insurance for a full coverage policy (100/300/100) in Missouri.
The numbers above (100/300/100) represent up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you damage.
Cheapest state minimum coverage in Missouri
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Missouri, you must have at least the following insurance coverage on your car.
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below, you’ll see average annual rates for major insurance providers in Missouri, ranked from cheapest to most expensive for state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Missouri Farm Bureau Grp | $290 |
| Progressive | $389 |
| State Farm | $445 |
| Travelers | $454 |
| Shelter Insurance | $489 |
| Nationwide | $497 |
| Auto Club Enterprises (AAA) | $663 |
| Allstate | $748 |
| Geico | $765 |
| USAA* | $231 |
Note: USAA is only available to military community members and their families.
Cheapest insurance providers for liability-only coverage in Missouri
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
Here are the average annual rates for liability insurance coverage from major carriers in Missouri, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Missouri Farm Bureau Grp | $349 |
| Progressive | $479 |
| Nationwide | $518 |
| State Farm | $521 |
| Travelers | $525 |
| Shelter Insurance | $593 |
| Auto Club Enterprises (AAA) | $835 |
| Allstate | $896 |
| Geico | $931 |
| USAA* | $262 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage car insurance in Missouri
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Missouri, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| Nationwide | $1,361 |
| Travelers | $1,515 |
| Missouri Farm Bureau Grp | $1,845 |
| Shelter Insurance | $1,906 |
| Progressive | $1,960 |
| State Farm | $2,072 |
| Auto Club Enterprises (AAA) | $2,346 |
| Allstate | $2,852 |
| Geico | $3,217 |
| USAA* | $1,086 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest car insurance in Missouri, by driving history
Your driving history affects how much you pay for insurance in Missouri because insurance companies use it to assess the risk associated with insuring a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $1,002 more annually in Missouri than an individual with a clean driving record.
Cheap car insurance in Missouri after a speeding ticket
A speeding ticket can impact your Missouri car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,762 a year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,637 | $1,762 | 8% | $125 |
| Nationwide | $1,367 | $2,045 | 50% | $678 |
| Travelers | $1,487 | $2,056 | 38% | $568 |
| Allstate | $1,878 | $2,118 | 13% | $240 |
| American Family | $1,757 | $2,208 | 26% | $451 |
| Auto-Owners | $2,140 | $3,007 | 41% | $867 |
| Geico | $2,577 | $3,022 | 17% | $445 |
| Auto Club Enterprises (AAA) | $2,514 | $3,696 | 47% | $1,183 |
| Progressive | $3,225 | $3,932 | 22% | $707 |
| Kemper Insurance | $6,647 | $8,033 | 21% | $1,386 |
| USAA* | $860 | $1,018 | 18% | $157 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance in Missouri after a DUI conviction
Missouri drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,762 a year, followed by Travelers with an annual premium of $2,151 annually, based on recent data.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 29% less than drivers with a DUI on their record.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,637 | $1,762 | 8% | $125 |
| Travelers | $1,487 | $2,151 | 45% | $664 |
| American Family | $1,757 | $2,208 | 26% | $451 |
| Allstate | $1,878 | $2,413 | 28% | $534 |
| Nationwide | $1,367 | $2,744 | 101% | $1,377 |
| Progressive | $3,225 | $3,648 | 13% | $423 |
| Auto Club Enterprises (AAA) | $2,514 | $3,840 | 53% | $1,327 |
| Geico | $2,577 | $4,640 | 80% | $2,062 |
| Auto-Owners | $2,140 | $4,895 | 129% | $2,755 |
| Kemper Insurance | $6,647 | $6,978 | 5% | $331 |
| USAA* | $860 | $1,472 | 71% | $611 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Missouri after an at-fault accident
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,887 annually.
Travelers is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost of $1,998 .
If you’re accountable for an accident, it can significantly affect your insurance premiums, as insurance companies see at-fault incidents as a sign of higher risk, leading to increased costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,637 | $1,887 | 15% | $250 |
| Travelers | $1,487 | $1,998 | 34% | $510 |
| Nationwide | $1,367 | $2,152 | 57% | $785 |
| Allstate | $1,878 | $2,444 | 30% | $566 |
| American Family | $1,757 | $2,481 | 41% | $723 |
| Auto Club Enterprises (AAA) | $2,514 | $3,904 | 55% | $1,391 |
| Progressive | $3,225 | $4,714 | 46% | $1,489 |
| Geico | $2,577 | $5,380 | 109% | $2,802 |
| Auto-Owners | $2,140 | $5,494 | 157% | $3,354 |
| Kemper Insurance | $6,647 | $9,843 | 48% | $3,196 |
| USAA* | $860 | $1,159 | 35% | $298 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Missouri cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Jefferson City is the city with the lowest premiums in Missouri at an annual auto insurance rate of $1,776 .
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
Below is a list of cities in Missouri with the lowest auto insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Jefferson City | $1,776 |
| Lohman | $1,789 |
| Centertown | $1,792 |
| Lebanon | $1,795 |
| Holts Summit | $1,797 |
| Ozark | $1,804 |
| Fort Leonard Wood | $1,807 |
| Ashland | $1,810 |
| Sikeston | $1,817 |
| Oran | $1,820 |
A detailed guide on the 10 most important factors that influence car insurance rates
Average savings on car insurance in Missouri
Shopping around for car insurance quotes in Missouri can help drivers save 32% annually on full coverage policies.
While the actual savings may differ for each person, comparing price quotes before buying a policy can help you find affordable insurance.
Car insurance discounts in Missouri: Save on premiums
In Missouri, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Missouri below.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Anti-theft device | 2% | $58 |
| Daily commute | 8% | $195 |
| Days advanced purchase | 8% | $165 |
| Days per week driven | 4% | $114 |
| Education | 3% | $104 |
| Electronic funds transfer | 4% | $74 |
| Homeowner | 5% | $116 |
| Lower annual mileage | 4% | $109 |
| Loyalty – years renewal with company | 10% | $255 |
| Marital status | 8% | $189 |
| Multi policy | 8% | $178 |
| Paperless/electornic documents | 4% | $73 |
| Payment type | 10% | $259 |
| Primary use | 8% | $187 |
| Profession | 17% | $579 |
| Safety devices | 3% | $85 |
| Telematics | 11% | $232 |
| Years insured | 19% | $801 |
| Years licensed | 25% | $1,237 |
Final thoughts on cheap car insurance in Missouri
Based on our research, if you are a good driver, Nationwide is the cheapest in Missouri for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Missouri is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Missouri for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Missouri