Cheapest Auto Insurance Quotes in Missouri (2024)
State Farm has the best cheap car insurance in Missouri, at $122 per month for full coverage.
Find Cheap Auto Insurance Quotes in Missouri
Best cheap car insurance companies in Missouri
How we chose the top companies
Best and cheapest car insurance in Missouri
- Cheapest full coverage: State Farm, $122/mo
- Cheapest minimum liability: Progressive, $40/mo
- Cheapest for young drivers: Shelter, $144/mo
- Cheapest after a ticket: State Farm, $131/mo
- Cheapest after an accident: State Farm, $141/mo
- Cheapest for teens after a ticket: Shelter, $144/mo
- Cheapest after a DUI: Progressive, $187/mo
- Cheapest for poor credit: American Family, $218/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm, American Family and Shelter offer the best combination of dependable customer service and cheap rates. All three companies offer online quotes, so you can quickly compare rates to find the best option for you.
Cheapest car insurance in Missouri: State Farm
State Farm has the best cheap full coverage insurance in Missouri.
At $122 per month, a policy from State Farm is 23% cheaper than the state average. The average cost of car insurance in Missouri is $159 per month for full coverage.
Find Cheap Auto Insurance Quotes in Missouri
Missouri drivers with military ties can find even cheaper quotes at USAA. A full coverage policy from USAA costs $80 per month, which is 34% cheaper than State Farm. However, only military members, veterans and some of their family members can get car insurance from USAA.
Cheap full coverage car insurance in Missouri
Company | Monthly rate | |
|---|---|---|
| State Farm | $122 |
| American Family | $131 |
| Travelers | $150 |
| Shelter | $151 |
| Progressive | $167 |
*USAA is only available to current and former military members and their families.
Best cheap liability insurance in Missouri: State Farm
Progressive has the cheapest liability car insurance in Missouri, at just $40 per month.
Quotes from Progressive are 31% cheaper than the Missouri state average.
Missouri drivers should also compare quotes from State Farm, which costs $46 per month. State Farm has much better customer service reviews than Progressive. It may be worth spending $6 more per month for an insurance company that will make your life easier after a crash.
Cheapest liability car insurance in Missouri
Company | Monthly rate |
|---|---|
| Progressive | $40 |
| American Family | $45 |
| State Farm | $46 |
| Shelter | $58 |
| Travelers | $59 |
*USAA is only available to current and former military members and their families.
USAA offers even more affordable rates to Missouri drivers with military ties. It has the cheapest rate by far, at just $24 per month. But it's only available to drivers who have served in the military and their family members.
Find Cheap Auto Insurance Quotes in Missouri
Cheapest MO car insurance quotes for teens: Shelter or State Farm
Shelter has the cheapest minimum liability insurance for Missouri teens, while State Farm offers the best full coverage quotes.
A minimum liability policy from Shelter costs $144 per month for an 18-year-old driver. That's 16% cheaper than the state average of $172 per month.
Full coverage from State Farm costs $349 per month for Missouri teens, which is 16% less than average.
Best cheap auto insurance in Missouri for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Shelter | $144 | $377 |
| State Farm | $152 | $349 |
| Travelers | $157 | $370 |
| Progressive | $180 | $564 |
| American Family | $183 | $452 |
Young drivers who serve in the military or have family members who serve can get much cheaper rates at USAA. Minimum coverage from USAA costs around $53 per month, and full coverage costs $164 per month.
Teen drivers pay three times more than older drivers for minimum liability car insurance in Missouri. That's because young drivers lack experience behind the wheel, which means they're more likely to cause a crash.
The best way for Missouri teens to save money on car insurance is by sharing a policy with their parents.
Cheap Missouri auto insurance after a speeding ticket: State Farm
State Farm has the cheapest insurance in Missouri for drivers with a speeding ticket, at $131 per month for full coverage. That's 29% less than the Missouri average, which is $184 per month.
Lowest-priced Missouri car insurance after a ticket
Company | Monthly rate |
|---|---|
| State Farm | $131 |
| Shelter | $151 |
| American Family | $155 |
| Travelers | $179 |
| Progressive | $200 |
Missouri car insurance rates increase by an average of 16% after one speeding ticket.
You should always shop around for insurance if your driving record changes. However, your rates typically won't increase until your policy renewal. So if you get a ticket, you should hold off on switching car insurance until your current policy is about to expire.
Cheap insurance in MO after an accident: State Farm
State Farm offers the cheapest auto insurance in Missouri after an at-fault accident. A full coverage policy from State Farm costs $141 per month, which is 38% cheaper than the Missouri average.
Best Missouri car insurance quotes after an accident
Company | Monthly rate |
|---|---|
| State Farm | $141 |
| Shelter | $188 |
| Travelers | $192 |
| American Family | $215 |
| Progressive | $239 |
An accident will increase car insurance quotes in Missouri by 42%, on average.
However, not all insurance companies in Missouri raise your rates by the same amount after a crash. State Farm only increases rates by 15% after an at-fault accident. On the other hand, American Family charges 64% more after an accident.
Cheap quotes for teens after a ticket or accident: Shelter or State Farm
Shelter has the best rates for 18-year-olds with a speeding ticket in Missouri. At $144 per month for minimum coverage, Shelter is $53 per month cheaper than average for teens with a ticket.
State Farm has the most affordable car insurance in Missouri for teens with an at-fault accident on their record. A minimum coverage policy from State Farm costs $185 per month, which is 23% less than the Missouri average.
Minimum coverage auto insurance quotes in Missouri
Company | Ticket | Accident |
|---|---|---|
| Shelter | $144 | $193 |
| State Farm | $168 | $185 |
| Travelers | $194 | $221 |
| Progressive | $202 | $215 |
| American Family | $205 | $285 |
Speeding tickets cause your insurance rates to go up, though not as much as an at-fault accident. The average rate for an 18-year-old in Missouri with a ticket is $197 per month — a 15% increase. In comparison, young drivers who have caused a crash pay around $239 per month. That's a 39% increase.
Cheap insurance in Missouri after a DUI: Progressive
Progressive has the most affordable auto insurance quotes in Missouri after a DUI, at $187 per month for full coverage. That's 25% cheaper than the Missouri average, which is $249 per month.
Cheapest car insurance after a DUI in Missouri
Company | Monthly rate |
|---|---|
| Progressive | $187 |
| Travelers | $202 |
| Shelter | $213 |
| American Family | $221 |
| State Farm | $270 |
Drivers with a DUI can expect to pay 56% more for full coverage insurance than drivers with a clean record. That's because driving under the influence is very dangerous. Insurance companies believe drivers with a DUI are more likely to cause an accident, making them more expensive to cover.
Missouri drivers with a DUI may also have to have an SR-22 filing. This filing typically costs between $15 and $50 per year.
Cheap car insurance in MO for drivers with poor credit: American Family
American Family has the best car insurance rates in Missouri for drivers with poor credit. A full coverage policy from American Family costs $218 per month, which is 26% cheaper than the state average. It's also $35 per month less expensive than the second-best company, Travelers.
Cheap Missouri car insurance for drivers with bad credit
Company | Monthly rate |
|---|---|
| American Family | $218 |
| Travelers | $253 |
| Progressive | $264 |
| Shelter | $343 |
| Geico | $395 |
Missouri drivers with a bad credit score pay almost double what people with good credit pay for car insurance. Insurance companies consider your credit score when deciding your rates because drivers with poor credit tend to file insurance claims more often.
Best car insurance in Missouri
USAA is the best insurance company in Missouri based on its excellent customer service and affordable quotes.
USAA customers are typically happy with the service they get after an accident. The company regularly earns the top score on J.D. Power's claims satisfaction survey.
In addition, it has some of the cheapest insurance quotes in Missouri. The big downside is that it's only available to people in the military, veterans and their family members.
State Farm and Shelter are both great options for Missouri drivers who can't get USAA insurance. Both companies have dependable service and affordable rates for most drivers in Missouri.
Top auto insurance companies in Missouri
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 881 | A++ | |
| State Farm | 842 | A++ | |
| Shelter | 866 | A | |
| Geico | 835 | A++ | |
| American Family | 838 | A |
When shopping for the best car insurance in Missouri, you should look for a combination of affordable rates and reliable customer service.
Companies with great service will make your life less stressful after an accident. They do this by answering questions quickly and paying your claim fast so you can get back on the road.
Companies with poor service reviews may take longer to settle your claim. And you could end up spending more money to get your car fixed.
Average cost of auto insurance in MO by city
Lebanon, in the Ozarks, has the cheapest car insurance in Missouri, at $139 per month for full coverage.
Residents of Glasgow Village, in northeast St. Louis County, pay the most for car insurance, at $238 per year.
Full coverage insurance quotes in Missouri by city
City | Monthly rate | % from average |
|---|---|---|
| Adrian | $147 | -8% |
| Advance | $145 | -9% |
| Affton | $173 | 9% |
| Agency | $153 | -4% |
| Airport Drive | $150 | -6% |
The average price of insurance for full coverage varies by almost $100 per month depending on what Missouri city you live in.
Insurance companies consider where you live when setting your rates. Certain areas — usually big cities — have more accidents and car thefts. People who live in these areas are more likely to file a claim in the future, making them more expensive to insure.
Minimum car insurance requirements in Missouri
Missouri drivers must have a minimum amount of liability coverage to legally drive on public roads. Otherwise, drivers face license suspension and fines. This liability requirement is sometimes written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
What's the best car insurance coverage for MO drivers?
A full coverage policy is the best choice for most Missouri drivers.
Full coverage includes:
- Collision coverage, which pays for damage to your own car after an accident, regardless of whose fault it is.
- Comprehensive coverage, which pays for other types of damage, like weather damage and theft.
- Liability protection, which pays to repair someone else's car if you're responsible for a crash, as well as their medical bills, if there are any.
Another option, minimum liability car insurance, only pays for the other driver's injuries or damage to their car if you cause an accident. However, state minimum liability limits may not be high enough to fully cover the damage if you cause a serious accident.
But minimum coverage doesn't pay for damage to your car. Full coverage policies in Missouri costs $102 per month more than a minimum liability policy. That's because full coverage includes comprehensive and collision coverage, which protect your car against damage.
In addition to protecting your car, full coverage insurance also includes higher liability limits than the state requires. That can be important if you cause a major accident. The minimum requirements may not be high enough to cover all of the medical bills and expenses of a serious crash.
Lenders usually require you to get full coverage if you have a car loan or lease. You should also consider full coverage if your car is worth more than $5,000 or is newer than eight years old.
Frequently asked questions
Who has the cheapest car insurance in Missouri?
State Farm has the cheapest quotes for full-coverage car insurance in Missouri, at $122 per month. Progressive has the most affordable minimum liability coverage in the state, at $40 per month.
How much is car insurance in Missouri per month?
Full coverage auto insurance in Missouri costs $159 per month, on average. Minimum liability quotes average $57 per month.
Why is insurance so expensive in Missouri?
Car insurance in Missouri is actually cheaper than the national average. Full coverage costs about $159 per month in Missouri, which is 3% less expensive than the country as a whole. Minimum coverage in Missouri is 11% cheaper than the national average, at $57 per month.
Methodology
To find the best cheap MO auto insurance, ValuePenguin collected thousands of quotes from ZIP codes across Missouri for the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit who drives a 2015 Honda Civic EX.
Full coverage rates include comprehensive and collision coverage along with higher liability limits than required by the state.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.