The cheapest full coverage car insurance in Missouri is $113, saving you $52 compared to the average cost of insurance in the state, which is around $165 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Missouri, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
Car insurance companies with cheap car insurance in Missouri
Nationwide has the cheapest full coverage car insurance in Missouri, at an average premium of $113 per month or around $1,361 per year, based on CarInsurance.com data.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Missouri. We’ve gathered rates from different insurance companies to help you find the most affordable option.
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 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
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 state minimum coverage in Missouri
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Missouri, you must have at least the following insurance coverage on your car.
| 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
Below, you’ll see average annual rates for major insurance providers in Missouri, ranked from cheapest to most expensive for state minimum coverage.
| 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
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 in Missouri after a speeding ticket
If you have a speeding ticket on your Missouri driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,762 per 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
Which cities in Missouri have the lowest auto insurance rates?
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Missouri is Jefferson City, at $1,776 per year.
Insurance companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Missouri with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on auto insurance in Missouri?
Shopping around for car insurance quotes in Missouri can help drivers save 32% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good 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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