- According to recent data, Nationwide offers the cheapest full coverage car insurance in Missouri at $113 per month.
- Missouri drivers with a clean driving record pay 29% less for car insurance than drivers with a DUI.
- In Missouri, the city of Jefferson City has the most affordable car insurance rates at $1,776 annually.
- Comparing price quotes from multiple insurers can help you save up to 32% per year on your car insurance policy in Missouri.
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 rates in Missouri?
Based on data analysis by CarInsurance.com, Nationwide provides the cheapest full coverage auto insurance rates for Missouri drivers at a monthly rate of $113 or $1,361 a year.
A full coverage policy bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Missouri.
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.
Who pays the lowest auto insurance premiums in Missouri?
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.
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[SKIP state=”MA|MI|MT|HI|NJ”]
- 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 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.
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 auto insurance in Missouri by driving history
Your driving history impacts insurance premiums in Missouri, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Missouri, drivers with a history of traffic violation pay an average of $1,002 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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.
Cheapest car insurance premiums 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.
If you have a clean record, you are likely to pay 29% less for car insurance than someone with a DUI.
| 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
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,887 a year.
On the other hand, Travelers offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,998.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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
Car insurance discounts in Missouri can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Missouri.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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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