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Who pays more for car insurance, Kansas City or St. Louis? It's St. Louis by several hundred dollars. But no matter where you live, you can save on car insurance by comparing rates. Comparable state car insurance rates for every city and town in Missouri are mapped out below. Enter your ZIP code, age group and coverage level in the tool to see what you can expect to pay in your neighborhood. You'll see the price differs among insurers for the same coverage. That's why it pays to shop around before you buy.

What you need to know about car insurance in Missouri

Missouri Car Insurance Rates by ZIP Code

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Male
20 30 40 50 60 70
COVERAGE TYPES
*Please enter valid Zip
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.
63147 Saint Louis
For  30  Year Old   Male  (Type:  Liability - Minimum )
Average Monthly Premium
$56
Highest Rate $79/mo.
Lowest Rate $34/mo.
Compare personalized quotes from up to 20 companies in Missouri now
MOST & LEAST EXPENSIVE ZIP CODES in Saint Louis
MOST EXPENSIVE PER MONTH
63147 - Saint Louis: $56
63115 - Saint Louis: $55
63107 - Saint Louis: $55
63113 - Saint Louis: $55
LEAST EXPENSIVE PER MONTH
63544 - Greencastle: $28
63557 - New Boston: $28
64468 - Arkoe: $28
63560 - Pollock: $28

Cheap car insurance in Missouri

Missouri car insurance requirements

Minimum bodily injury liability$25,000/$50,000
Minimum property damage liability$10,000
Uninsured/underinsured motorist bodily injury$25,000/$50,000

Recommended car insurance coverage

The cheapest car insurance may not provide sufficient protection, so how much insurance should you buy? Bare-bones coverage may be a good choice if you have few assets or have an old car and don’t drive much. But if you have a home and investments, consider buying more insurance. If you don’t, you’re at risk for having your money and house taken to cover the cost of an accident. If you financed your car you will be required to get additional comprehensive and collision coverage.

Use our How Much Car Insurance Do You Need? tool to get a recommendation.

Liability

We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:

  • less than $50,000, choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100

If you're leasing or financing your car, you must get coverage of 100/300/100 or higher.

Collision and comprehensive

Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:

  • less than 10 years old, you should strongly consider buying collision and comprehensive.
  • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.

For drivers in Missouri, collision costs an average of $473 yearly, comprehensive is $298, according to CarInsurance.com rate data. If you buy comp and collision, check our guide to choosing a deductible amount.

Medical coverage (MedPay)

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Texas, it's an optional addition to your car insurance policy. MedPay does the following:

  • Covers you and your passengers’ medical expenses
  • Pays for expenses after health insurance limits are exceeded
  • Offers additional protection to insured drivers who are hit by a car while walking or biking

If you and your passengers:

  • Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
  • Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

Gap insurance

If you don’t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

  • If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
  • If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
  • If you own your car outright, you don’t need gap insurance.

Coverage limitsAverage annual rate
Liability Only - state minimum$409
Liability Only - 50/100/50 BI/PD$457
Full Coverage - 100/300/100 BI/PD $500 Comp/Collision deductible$1,154

**The table shows the average annual rate of nearly every ZIP code in Missouri from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.

Cheapest car insurance in Missouri by company

Below you'll see average annual rates for Missouri, ranked cheapest to most expensive, for three coverage levels:

  • State minimum liability requirements
  • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
  • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible

CompanyState minimum average annual rate50/100/50 average annual rate100/300/100 average annual rate
Allied Prop & Cas Ins Co$346$374$724
Allstate Fire & Cas Ins Co$636$691$1,769
Farmers Ins Co Inc$454$487$1,051
Geico Cas Co$268$304$800
Progressive Cas Ins Co$390$449$1,303
State Farm Mut Auto Ins Co$362$435$1,279

Low cost auto insurance for Missouri drivers with recent accidents

Filing an accident claim means you are likely to pay more for your car insurance coverage. However, how much more you pay depends on several factors, and your car insurance company plays is one of those significant factors. Each company assesses risk differently, so that's why the increase after an accident will vary among insurers. Here is how major carriers compare after at-fault accidents for the average Missouri driver with a full coverage policy:

Company1 At-fault property damage accident over $2K2 At-fault property damage accident over $2kAt-fault bodily injury accident
Allied P&C PPCM$1,744$3,775$1,744
Allstate F&C$2,101$2,572$2,101
Farmers Ins Co$1,857$2,234$1,857
GEICO Cas$1,397$2,245$1,397
GEICO General$1,305$2,193$1,305
Progressive Casualty$1,461$2,895$1,461
State Farm Mutual Auto$1,167$1,779$1,167

Who has the cheapest Missouri car insurance for drivers with speeding tickets?

If you get a speeding ticket, chances are you'll see an increase in what you pay for car insurance, upon your policy renewal. Typically, you'll pay more for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you'll see that the difference between the highest rate and the lowest in the table below is more than $806, on average, according to CarInsurance.com's rate analysis. That's how much you can save by comparing car insurance companies.

CompanyAverage Rate
GEICO Cas$1,048
State Farm Mutual Auto$1,167
GEICO General$1,186
Allied P&C PPCM$1,323
Farmers Ins Co$1,687
Progressive Casualty$1,704
Allstate F&C$1,855

How much does it cost to add a teen to your policy in Missouri?

No matter where you live, adding a new driver to your family policy will hike your rate significantly. In Missouri, you can expect your rate to go up by an average of 131 percent when adding a driver age 16 to your coverage, according to CarInsurance.com rate data. You'll see in the table below how much it costs, on average, to add a teen driver in Missouri, and how major insurers compare on price. GEICO Cas had the lowest auto insurance cost for adding a driver age 16 to a full coverage family policy, among insurers surveyed.

CompanyAverage RateAverage Rate after adding female teen$ Increase (female)Average Rate after adding male teen$ Increase (male)
Allied P&C PPCM$1,305$2,174$869$2,606$1,301
Allstate F&C$1,676$3,558$1,882$4,675$2,999
Farmers Ins Co$1,412$3,239$1,827$3,243$1,830
GEICO Cas$879$1,430$552$1,713$835
GEICO General$1,186$1,839$652$2,304$1,118
Progressive Casualty$1,461$3,020$1,559$3,342$1,881
State Farm Mutual Auto$1,096$2,348$1,251$2,966$1,869

Cheapest Missouri auto insurance for young drivers: Ages 18 to 25

Enter an age from 18 to 25 to see who has the best rates for young drivers in Missouri, by company. You’ll see in the chart below which car insurance companies have the lowest rates for young drivers buying a full coverage policy. Average car insurance rates by age data shows that drivers typically pay higher rates until age 26, when rates begin to drop as drivers gain more experience on the road. But even young drivers can save money by comparing car insurance rates to see which company has the lowest rates, by qualifying for student discounts and by staying on their parents’ policy as long as possible.

Senior drivers: Cheap auto insurance for Missouri drivers age 65 to 85

Below you can see average rates by company for drivers age 65 and over, buying a full coverage policy. While comparing car insurance quotes is always one of the primary ways to save on coverage, you can also see if you qualify for a mature driver discount or if you can trim rates by taking a defensive driving course.

Car insurance for Missouri drivers with bad credit

Car insurance for drivers with bad credit costs significantly more than it does for those with good credit. Missouri ranks 21stnbsp; among the worst states for drivers with bad credit, as CarInsurance.com's data analysis shows. Compared to good credit drivers, those in Missouri with bad credit pay 71 percent more, on average. The good news is that you can still shave some money off your coverage costs if you compare car insurance companies. You'll see below that the difference among major insurers is nearly $1,531 for a full coverage policy for a driver with bad credit. That's how much you can potentially save by comparing car insurance quotes.

CompanyPoor credit
GEICO General$1,575
GEICO Cas$1,644
State Farm Mutual Auto$1,841
Allied P&C PPCM$1,867
Farmers Ins Co$2,565
Progressive Casualty$2,780
Allstate F&C$3,106

Best car insurance companies in Missouri

Scores are based on Insure.com’s “Best Insurance Companies” customer review survey of 3,700 customers. Policyholders ranked insurers on claims handling, customer service, value, mobile apps/website usefulness and were asked if they would renew their coverage and if they would recommend the company. All scores are out of 100.

RankCompanyScore
1CSAA Insurance Group93.43
2USAA92.08
3Allstate90.18
4Liberty Mutual88.21
5American Family88.14
6Erie87.41
7The Auto Club Group (ACG) - AAA87.21
8Auto Club of Southern California (Auto Club Enterprise Insurance Group)86.86
9Progressive85.66
10Esurance85.22
11Geico84.11
12Nationwide83.80
13Safeco83.67
14Farmers83.25
15Metlife83.11
16State Farm82.34
17Travelers82.22
18Hartford81.19
19The General79.03

 

Largest car insurance companies in Missouri

RankCompanyPremiums WrittenMarket Share
1State Farm Group937,74224.06%
2American Family Insurance Group506,15312.99%
3Progressive Insurance Group370,3369.50%
4Liberty Mutual Insurance Companies256,1566.57%
5Berkshire Hathaway Insurance Group253,4576.50%
6Farmers Insurance Group219,4195.63%
7Allstate Insurance Group163,1374.19%
8USAA Group154,6153.97%
9Nationwide Group134,6593.45%
10Travelers Group86,8482.23%

Source: A.M. Best; State/Line (P/C Lines)  - P/C, US; Data as of:November 28, 2018

Missouri Car Insurance Laws

RoadsNumber of Fatal Accidents
I-5529
I-7025
I-4425
US-6320
US-6020
SR-1315
I-2914
US-5413
I-43513
US-6712

A Missouri car insurance policy must include bodily injury liability limits of at least $25,000 per person and $50,000 per accident. That stacks up well with other states. But $10,000 for property damage doesn't; if you hit a newer car, that won't pay for all the damage, exposing you to lawsuits.

If you have savings, a business or a home to protect, we recommend higher liability limits across the board.

Missouri also requires that you buy uninsured/underinsured motorist bodily injury coverage to pay for treatment if you're hit by a driver without insurance. It's estimated that 14 percent of Missourians are driving without the required liability insurance.

Penalties for driving without insurance: Failure to show proof of insurance comes with a penalty of up to 15 days in jail and/or a fine of up to $300 and your license and registration may be suspended. The Missouri Driver License Bureau will also place the violation on your record and assess you four points (it takes eight points within an 18-month period to get your license suspended).

Pure comparative fault state: If insurers determine that both drivers are to blame in an accident, then your damages can be reduced by the percentage you're found at fault. A pure comparative negligence law like Missouri's allows both drivers to recover some payment. So, if you're found to be 80 percent at fault, you could still recover 20 percent of your damages from the other party.

No grace period: A late payment may result in your policy being canceled. After the first 60 days of a policy, a Missouri auto insurance company cannot cancel your policy unless it finds that your license is suspended or revoked. The exception to the rule? If you failed to pay your premium. Your auto insurer can decide to non-renew you at the end of your term for other reasons, but must notify you at least 30 days before your policy's expiration date.

Teen drivers in Missouri: In Missouri there's no age restriction for owning and registering a vehicle, but to get an insurance policy, a parent or guardian needs to sign for a teen driver.

Proof of insurance via smartphone: Missouri is one of 31 states that allow drivers to show electronic proof of insurance during a traffic stop.

Two-point infractions: Among the infractions that can net you two points on your Missouri motor vehicle record are failure to keep right, squealing your tires, fishtailing, and texting while driving.

Average annual car insurance rates for major cities in Missouri

Below you'll see how average annual rates for several of the largest cities in the state compare to state and national averages. Rates are for coverage of $100,000 per person/$300,000 per accident in liability and $50,000 of property damage coverage, with comprehensive and collision carrying a $500 deductible.

Show Tablular Data
CityAverage Premium
Columbia$1,141
Independence$1,209
Kansas City$1,224
Saint Louis$1,743
Springfield$1,183
Missouri$1,386
National$1,679