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Best & Cheapest Missouri Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4566 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.20 ★★★★★
461 customer reviews
rated their claim's experience positively
4.20 ★★★★★
207 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16830 customer reviews
rated their claim's experience positively
4.10 ★★★★★
31 customer reviews
rated their claim's experience positively
4.10 ★★★★★
74 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2055 customer reviews
rated their claim's experience positively
4.04 ★★★★★
2225 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7128 customer reviews
rated their claim's experience positively
3.95 ★★★★★
1331 customer reviews
rated their claim's experience positively
3.92 ★★★★★
744 customer reviews
rated their claim's experience positively
3.90 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.74 ★★★★★
544 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.54 ★★★★★
239 customer reviews
rated their claim's experience positively
3.18 ★★★★★
277 customer reviews
rated their claim's experience positively
2.57 ★★★★★
126 customer reviews
rated their claim's experience positively
2.20 ★★★★★
132 customer reviews
rated their claim's experience positively
2.06 ★★★★★
38 customer reviews
rated their claim's experience positively
1.78 ★★★★★
56 customer reviews
rated their claim's experience positively

When buying car insurance in Missouri, it can be hard to know which company will provide you with the right coverage for you at the best price. You can find out more about Missouri car insurance by reading Clearsurance reviews. At Clearsurance, we hope to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Missouri. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Missouri car insurance companies.

In the table above, you can sort through all the Missouri car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Missouri car insurance rankings.

Interested in learning more about one of these Missouri car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Missouri?

When looking for teen car insurance, it can be helpful to know which companies offer the cheapest rates. Out of the five largest car insurance companies in Missouri, State Farm is the cheapest car insurance option for both male and female teen drivers on average.

Company Female teen rates Male teen rates
American Family Insurance $1,439 $1,498
Farmers Insurance Group $3,488 $3,660
Safeco Insurance $2,005 $2,211
Shelter Mutual Insurance Company $1,479 $1,594
State Farm Insurance Company $1,044 $1,224

These rates are based on profiles for 18-year-old male and female drivers in Missouri. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Missouri will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Missouri?

Out of the five most popular companies in Missouri, American Family offers the cheapest car insurance rates for married couples in Missouri on average.

Company Married couple rates
American Family Insurance $1,374
Farmers Insurance Group $1,917
Safeco Insurance $1,819
Shelter Mutual Insurance Company $3,405
State Farm Insurance Company $1,877

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Missouri will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Missouri?

Safeco provides the cheapest car insurance rates for female senior drivers while American Family Insurance provides the cheapest rates for male senior drivers on average among the five largest companies in Missouri.

Company Female senior rates Male senior rates
American Family Insurance $807 $813
Farmers Insurance Group $917 $1,003
Safeco Insurance $728 $832
Shelter Mutual Insurance Company $1,345 $1,345
State Farm Insurance Company $870 $870

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Missouri will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Missouri for car insurance

When looking at the average car insurance rates in areas of Missouri, the cheapest area for car insurance is the city of Lohman. Car insurance rates in Missouri vary by area of the state. In the table below, you can see the top 10 cheapest areas in Missouri for car insurance based on average rates for single adults.

Area Car insurance rates
Lohman $1,170
Jefferson City $1,175
Centertown $1,179
Marshall $1,190
Saint Thomas $1,191
Lebanon $1,193
Eugene $1,196
Henley $1,202
Malta Bend $1,203
Blackburn $1,204

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Missouri will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Missouri for car insurance

In addition to your age and marital status, your location within Missouri affects your car insurance rates. The table below displays the top 10 most expensive areas in Missouri for car insurance based on average rates for a single adult.

Area Car insurance rates
Saint Louis $1,695
Florissant $1,609
Hazelwood $1,540
Saint Ann $1,514
Cedar Hill $1,500
Kansas City $1,496
Dittmer $1,492
Hillsboro $1,488
House Springs $1,464
Kimmswick $1,464

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Missouri will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Missouri

The only auto insurance coverage Mississippi drivers are required to purchase is liability insurance, which provides coverage for damages and injuries to the other vehicle and its occupants in an at-fault accident, but only up to your policy’s limits.

The minimum required limits for liability coverage in Mississippi are listed below, but given that injury-related expenses can add up in a hurry, you should consider purchasing higher limits. This would ensure that you would not be underinsured in the event of a costly accident.

In addition to considering policy limits, Mississippi drivers also should consider adding some of the optional coverages available in the state, such as collision insurance and comprehensive insurance. These coverages will help pay for damages to your vehicle in an accident you cause, or damages to your vehicle from non-accident related damages, such as vandalism or hail. You can learn more about these car insurance coverages and other optional coverages by reading our car insurance guide.

Mississippi state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $25,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Missouri’s uninsured motorist percentage

Uninsured motorist coverage, which protects you if you are hit by uninsured driver, an underinsured driver or a hit-and-run driver, is not a required coverage in Mississippi. But drivers would be wise to add it, as a staggering 23.7 percent of Mississippi drivers are without insurance — the second highest of any state — according to 2015 data from the Insurance Information Institute.

How car insurance rates are calculated in Missouri

When searching and comparing quotes from the best auto insurance companies in Missouri, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Missouri

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Missouri car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Missouri

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.