Travelers, Nationwide, State Farm and Shelter Insurance are the best car insurance companies in Missouri. CarInsurance.com evaluated the companies’ annual car insurance rates, financial strength ratings and customer satisfaction ratings to curate a list of the Best Car Insurance Companies in Missouri in 2024.
Use our guide to find the right insurance company for your needs and budget. Navigate your insurance options in Missouri with confidence to choose the best car insurance company.
Our takeTravelers is the top choice for car insurance in Missouri. Its high financial rating of A++ from AM Best and competitive rates make it an excellent option for affordable and comprehensive coverage.
Travelers’s average car insurance cost is $1,515 a year. It has a J.D. Power score of 797/1,000 and an overall rating of 3.62 out of 5.
CarInsurance.com found that Nationwide offers the lowest average car insurance premiums at $1,361 per year.
Check out our experts’ recommendations for the best car insurance coverage
What are the best car insurance companies in Missouri?
Missouri drivers have various top-rated car insurance companies to choose from. Whether you seek the best overall experience, the most affordable rates or exceptional customer service, there’s an insurer that fits your needs.
Here’s a breakdown of the best auto insurance companies in Missouri by category.
| Category | Company |
|---|---|
| Best overall | Travelers |
| Most affordable | Nationwide |
| Highest customer satisfaction | Shelter Insurance |
| Best for teen | Travelers |
| Best for young adults | Travelers |
| Best for adults | Travelers |
| Best for seniors | Travelers |
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Compare the best auto insurance companies in Missouri
Choosing the right car insurance in Missouri can feel overwhelming, with so many companies offering different coverage at varying rates. To help, we’ve taken a closer look at the top insurers in Missouri.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $1,515 | A++ | 797 | 0.49 | 3.62 |
| Nationwide | $1,361 | A+ | 792 | 0.64 | 3.51 |
| State Farm | $2,072 | A++ | 833 | 0.70 | 3.40 |
| Shelter Insurance | $1,906 | A | 851 | 1.18 | 3.34 |
| Progressive | $1,960 | A+ | 803 | 0.65 | 3.23 |
| Allstate | $2,852 | A+ | 806 | 0.65 | 2.82 |
| Geico | $3,217 | A++ | 819 | 0.91 | 2.81 |
| Auto Club Enterprises (AAA) | $2,346 | A+ | 811 | 2.21 | 2.50 |
Best car insurance companies by age group in Missouri
As you age, your driving habits and insurance needs change, influencing your car insurance rates and the type of coverage you require. The best insurer for a teen is likely not the best choice for a senior, as each age group has unique needs and priorities when it comes to auto insurance.
Teenagers, viewed as high-risk due to their inexperience, often benefit from policies with extensive coverage options, digital tools and discounts for good grades and safe driving habits. Seniors, on the other hand, might prioritize higher liability limits and prefer personalized customer service.
Additionally, while teen drivers’ insurance needs change rapidly as they gain experience, seniors typically focus on maintaining comprehensive coverage as they age. Thus, the best insurer for one may not meet the unique requirements of the other.
Select your age group and coverage level below to see the list of best car insurance companies and their annual average rates.
| Company | Annual rates | Customer satisfaction rating |
|---|---|---|
- Full coverage: 100/300/100 liability with $500 comprehensive/collision deductible
- Liability only: 50/100/50 liability only
- State minimum: State minimum coverage
Check out our detailed guide on average car insurance rates by age group
Best for teen drivers in Missouri
Teen drivers typically face higher insurance premiums due to their higher risk and lack of driving experience. It’s important to find insurance companies that offer competitive insurance rates and provide benefits for teen drivers, such as good student discounts, driver training discounts and accident forgiveness.
Travelers is an excellent choice for teen drivers looking to save on premiums. It offers car insurance at $4,296 annually.
When determining the best car insurance companies for teen drivers, several key factors were considered to ensure a comprehensive evaluation. The overall score for each company is derived from a weighted analysis of four main factors:
- The average annual full-coverage car insurance cost (25%)
- J.D. Power score (30%)
- AM Best rating (25%)
- NAIC rating (20%)
Each factor is assigned a specific percentage weight based on how they performed in each category.
Here are some top choices for teens aged 16-19 based on our analysis:
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $4,296 | A++ | 797 | 0.49 | 3.69 |
| State Farm | $5,374 | A++ | 833 | 0.7 | 3.55 |
| Nationwide | $4,644 | A+ | 792 | 0.64 | 3.45 |
| Geico | $8,440 | A++ | 819 | 0.91 | 2.95 |
| Allstate | $7,656 | A+ | 806 | 0.65 | 2.93 |
| Progressive | $7,749 | A+ | 803 | 0.65 | 2.9 |
| Shelter Insurance | $4,446 | A | 851 | 1.18 | 2.57 |
| Auto Club Enterprises (AAA) | $9,258 | A+ | 811 | 2.21 | 2.09 |
Best for young adults in Missouri
Young drivers must find the right insurance company, as they usually encounter higher premiums due to their perceived risk. According to an analysis by the National Safety Council, drivers aged 20 to 24 were involved in 7,300 fatal crashes in 2022, which accounts for 11.2% of the total number of drivers involved in these incidents.
Companies such as Travelers and Nationwide offer more affordable rates for drivers aged 20-24.
To determine the best car insurance companies for young adults in 2024, we analyzed four key factors: average annual full coverage cost (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%). Each factor was given a specific percentage weight to calculate the overall performance.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $2,262 | A++ | 797 | 0.49 | 3.69 |
| Nationwide | $2,307 | A+ | 792 | 0.64 | 3.49 |
| State Farm | $3,251 | A++ | 833 | 0.70 | 3.35 |
| Progressive | $3,126 | A+ | 803 | 0.65 | 3.17 |
| Geico | $4,260 | A++ | 819 | 0.91 | 2.90 |
| Allstate | $4,096 | A+ | 806 | 0.65 | 2.80 |
| Shelter Insurance | $3,037 | A | 851 | 1.18 | 2.30 |
| Auto Club Enterprises (AAA) | $4,492 | A+ | 811 | 2.21 | 2.09 |
Best for adult drivers in Missouri
Different age groups have varying needs and priorities when it comes to car insurance. The key considerations for adult drivers aged 25 to 60 are coverage options, better customer service and premium costs.
In Missouri, Travelers stands out as the best car insurance provider for adult drivers. It offers full coverage at an average annual cost of $1,533 and boasts the highest overall rating of 3.6 among the companies analyzed.
Our list of the best car insurance companies for adult drivers is based on a thorough analysis of four main factors: average annual full coverage car insurance cost in Missouri (25%), J.D. Power score (30%), AM Best rating (25%) and NAIC rating (20%).
Experienced drivers are generally considered low-risk compared to younger drivers. This age group typically benefits from lower insurance premiums due to their experience and lower accident rates.
Below is a list of the best insurance companies in Missouri for adults aged 25-60 and annual premiums.
| Company | Annual cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $1,533 | A++ | 797 | 0.49 | 3.60 |
| Nationwide | $1,345 | A+ | 792 | 0.64 | 3.51 |
| State Farm | $2,067 | A++ | 833 | 0.70 | 3.39 |
| Progressive | $1,985 | A+ | 803 | 0.65 | 3.21 |
| Geico | $3,172 | A++ | 819 | 0.91 | 2.81 |
| Allstate | $2,903 | A+ | 806 | 0.65 | 2.78 |
| Auto Club Enterprises (AAA) | $2,356 | A+ | 811 | 2.21 | 2.48 |
| Shelter Insurance | $1,965 | A | 851 | 1.18 | 2.30 |
Best for senior drivers in Missouri
Travelers provides the most affordable car insurance for senior drivers with premiums as low as $1,440 per year.
Insurance rates tend to increase for drivers around age 70 and older. This rise is due to insurers’ perception of increased risk associated with aging. Factors like slower reflexes, poor eyesight and a higher likelihood of health issues that could affect driving ability contribute to this perception. As a result, seniors may see their premiums increase, despite having years of driving experience and possibly a long history of safe driving.
Determining the best car insurance companies for senior drivers requires a comprehensive analysis of several factors. Each insurer’s overall score is derived from a weighted analysis of four important factors: the average annual cost of full-coverage car insurance (25%), the J.D. Power score (30%), the AM Best rating (25%) and the NAIC rating (20%).
The best auto insurance companies in Missouri are listed below for senior drivers aged 65-75.
| Company | Monthly cost | AM Best | J.D. Power | NAIC | Overall score out of 5 |
|---|---|---|---|---|---|
| Travelers | $120 | A++ | 797 | 0.49 | 3.59 |
| Nationwide | $103 | A+ | 792 | 0.64 | 3.51 |
| State Farm | $158 | A++ | 833 | 0.70 | 3.41 |
| Progressive | $155 | A+ | 803 | 0.65 | 3.21 |
| Allstate | $223 | A+ | 806 | 0.65 | 2.82 |
| Geico | $253 | A++ | 819 | 0.91 | 2.81 |
| Auto Club Enterprises (AAA) | $189 | A+ | 811 | 2.21 | 2.46 |
| Shelter Insurance | $147 | A | 851 | 1.18 | 2.34 |
Learn more about how to shop for car insurance for seniors
Best overall car insurance company in state
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Selecting the right insurance company is heavily influenced by your driver profile. Here’s how to choose the best insurer to meet your specific needs:
For budget-conscious drivers in Missouri
You should look for insurers that offer various car insurance discounts, such as safe driver discounts, multi-policy discounts or discounts for automatic payments, which can significantly lower your premiums. Many insurers also offer flexible payment options, such as monthly, quarterly or semi-annual plans, to help reduce the financial burden.
Here is a list of the best insurance companies and their annual premiums for various coverage levels.
| Company | State-minimum | Liability-only | Full coverage |
|---|---|---|---|
| Nationwide | $497 | $518 | $1,361 |
| Travelers | $454 | $525 | $1,515 |
| Missouri Farm Bureau | $290 | $349 | $1,845 |
| Shelter Insurance | $489 | $593 | $1,906 |
| Progressive | $389 | $479 | $1,960 |
| State Farm | $445 | $521 | $2,072 |
| Auto Club Enterprises (AAA) | $663 | $835 | $2,346 |
| Allstate | $748 | $896 | $2,852 |
| Geico | $765 | $931 | $3,217 |
| USAA | $231 | $262 | $1,086 |
Notes:
- Full coverage car insurance limit is 100/300/100 with a $500 deductible.
- Liability-only car insurance limit is 50/100/50.
- State minimum car insurance is 25/50/25.
For high-risk drivers in Missouri
If you’re a high-risk driver or someone with multiple traffic violations or DUIs on their record, look for insurers that specialize in high-risk policies. Focus on improving your driving record by attending a defensive driving course. These steps can help reduce your rates over time.
High-risk status is not permanent. Regularly compare insurance rates and options, as improving your driving record and altering your risk profile can lead to more affordable car insurance rates over time.
| Company | 6-month cost | Annual cost |
|---|---|---|
| Travelers | $1,051 | $2,101 |
| Nationwide | $1,099 | $2,197 |
| Progressive | $1,261 | $2,522 |
| State Farm | $1,464 | $2,928 |
| Allstate | $1,951 | $3,901 |
| Auto Club Enterprises (AAA) | $2,083 | $4,165 |
| Geico | $2,608 | $5,215 |
| USAA | $783 | $1,566 |
By understanding their unique driver profiles and conducting thorough research, high-risk drivers can find insurance companies that best meet their needs.
In conversation with experts
CarInsurance.com editors interviewed James Brau, Joel C. Peterson, professor of finance at Brigham Young University. See his responses below.
How important is customer service when deciding the right car insurance company?
Customer service is critical – it should be one of the top factors consumers consider. All else equal, meaning similar premiums, coverage, riders, etc., customer service is often the deciding factor. If a customer gets to speak to a cheerful human without 10 minutes of robot phone trees, especially when stressed out after a wreck or theft, it makes life a lot better.
What are the key factors that consumers should consider when selecting a car insurance company in their state?
Customers should do research pertaining to coverage, premiums, reputation, how many stars on reviews, etc. Make sure to compare apples to apples – that you’re getting the same coverage amounts, for example. Shop around – competition helps the consumer.
How often should policyholders review and adjust their car insurance policies?
Every six months is a good rule of thumb because most people pay in semi-annual installments. If you keep your company on its toes, they are more likely to stay competitive and offer special pricing, deals, incentives, etc.
Frequently asked questions
What is the average cost of car insurance in Missouri?
The average annual cost of car insurance in Missouri is $1,982. This rate can vary depending on factors such as the driver’s age, driving history and coverage limits
How much car insurance coverage do I need in Missouri?
When assessing your car insurance needs in Missouri, consider the state’s legal requirements. Typically, the minimum coverage required in Missouri consists of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 in property damage liability.
If you have valuable assets to safeguard, it’s wise to go beyond Missouri’s minimum requirements and opt for higher liability limits. Experts suggest getting full coverage car insurance with limits of 100/300/100 and a $500 deductible for collision/comprehensive.
Here’s what it means:
- $100,000 in bodily injury liability per person pays for injuries you cause to others in an accident.
- $300,000 in bodily injury liability per accident will cover injuries per accident, covering costs if multiple people are injured.
- $100,000 in property damage liability per accident covers damage you cause to another driver’s property in an at-fault accident.
Opting for higher limits is advisable as they provide increased protection against financial losses. When choosing coverage limits, also take into account your driving habits, the value of your vehicle and your finances.
Which company has the best car insurance rates in Missouri?
CarInsurance.com’s analysis shows that Nationwide offers the lowest car insurance rates for Missouri drivers, with an average premium of $113 per month or $1,361 per year.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Fatality Facts 2022 Teenagers.” Accessed September 2024.
- Centers for Disease Control and Prevention. “Risk Factors for Teen Drivers.” Accessed September 2024.
- National Safety Council. “Age of Driver.” Accessed September 2024.
Methodology
CarInsurance.com collected insurance rate data from Quadrant Information Services for Missouri drivers. The rate data is for drivers of different age groups:
- Teens: Age 16-19
- Young adults: Age 20-24
- Adults: 25- 60
- Seniors: 60-75
The different coverage levels include:
- Annual full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- A six-month car insurance policy with limits of 100/300/100-500 coll/comp deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old male and female driver with the following incidents applied:
- 1 at-fault property damage accident over $2K
- 1 at-fault property damage accident under $2K
- At-fault bodily injury accident
- Poor credit
- DUI/DWI first offense
- Speeding 30+ over limit
- Speeding ticket 1-10 mph over limit
- Speeding ticket 11-29 mph over limit
The editors created a rating system to determine the best insurance companies in each sector. For auto insurers, we took the following and gave each a weight.
- Average annual cost: 25%
- J.D. Power score: 30%
- AM Best rating: 25%
Each insurer was awarded an overall rating of 0.5 to 5. No insurer in our overall rating received less than 1 rating and 5 was the most any insurer could receive.
To evaluate the rates, we have compared 51,088,003 insurance quotes from 167 national & regional insurance companies across 29,152 cities and 34,588 ZIP codes.
Note: USAA is only available to military community members and their families.
Ask the Insurance Expert
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.
Ask the Insurance Expert
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.
Ask the Insurance Expert
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