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.
- 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.
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 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.
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Who pays a lower insurance premium in Missouri?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 8% less than single drivers.
- Missouri drivers with clean records pay 29% less than drivers who have a DUI on their records.
- 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
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 companies for state minimum coverage in Missouri
Missouri requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| 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 liability-only coverage in Missouri
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, 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.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
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 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.
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 rates after a speeding ticket in Missouri
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.
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 rates 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 .
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.
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 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 auto 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:
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 is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
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
Managing 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