- 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.
You can find the cheapest full-coverage car insurance in Missouri for $113 a month from Nationwide. It saves you $52 compared to the state average car insurance cost of $165 monthly.
Shopping for car insurance in Missouri can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
Which company offers the cheapest car insurance 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 policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Missouri by different insurance carriers for a full coverage policy.
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.
Missouri drivers who pay lower insurance premiums
Car insurance rates can differ due to various factors, including age, location, driving history, credit score and the type of vehicle you own. Some insurers may offer cheaper rates for certain types of drivers compared to others.
- 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 insurers for different coverage levels in Missouri
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in an accident.
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 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Missouri
In Missouri, all drivers must have a certain amount of car insurance, also called the state’s minimum coverage requirements. You must purchase the minimum coverage limits listed below. Keep in mind that minimums are merely that – the minimum. Most drivers need more insurance to be protected in case of a costly accident.
| 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
The following table lists Missouri’s major insurance providers, ranked by their average annual state minimum coverage rates, from cheapest to most expensive.
| 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 Missouri insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Missouri’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits 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.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Missouri from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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
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Cheapest car insurance in Missouri by driving history
In Missouri, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Missouri, drivers with a history of such violations typically pay $1,002 more annually than drivers with clean records.
Cheap car insurance rates 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.
Cheap car insurance rates after a DUI conviction in Missouri
CarInsurance.com analyzed insurance rates for Missouri drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,762. Travelers is the second-cheapest insurer at an average of $2,151 per year.
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 rates after an at-fault accident in Missouri
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,887.
Travelers is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,998.
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher 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.
Check out the most affordable insurance options in your neighboring state
Cities with the lowest auto insurance rates in Missouri
Your location plays a key role in determining your car insurance premium. Insurance companies analyze claim data in your area to assess the risk of insuring you. Areas with higher accident rates or theft statistics have higher premiums.
In Missouri, Jefferson City stands out as the city with the lowest auto insurance rates, at an average of $1,776 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
The table below shows a list of cities in Missouri with the most affordable car 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 |
Learn about the 10 most important factors that affect car insurance rates
How much can you save on car insurance in Missouri?
By comparing car insurance quotes, you can save an average of 32% per year for a full coverage policy in Missouri.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Missouri: Save on premiums
Missouri drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Missouri.
| 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 |
The bottom line on cheap auto insurance in Missouri
Based on our findings, Nationwide provides the cheapest rates for a full coverage policy in Missouri if you have a good driving record.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Missouri, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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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