Best & Cheapest Car Insurance in Missouri as Rated by Customers in 2022
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. Focusing on just cheap car insurance could potentially mean you miss out on better auto insurance policies from other companies, so we'll go over a few ways you can broaden your search. 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 auto insurance companies so you can evaluate and compare the best Missouri car insurance rates.
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?
- Who offers the cheapest car insurance rates for a married couple in Missouri?
- Who offers the cheapest senior car insurance rates in Missouri?
- 10 Cheapest areas in Missouri for car insurance
- 10 Most expensive areas in Missouri for car insurance
- Minimum car insurance coverage and limits in Missouri
- Missouri’s uninsured motorists percentage
Teenagers may not be eligible for cheap auto insurance immediately, but that shouldn't act as a deterrent. 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. Shopping around could mean you find better auto insurance rates for your teen drivers. So before you take their driving privileges away completely, compare prices between companies to find them the lowest rate.
|Company||Female teen rates||Male teen rates|
|American Family Insurance||$1,439||$1,498|
|Farmers Insurance Group||$3,488||$3,660|
|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.
Out of the five most popular companies in Missouri, American Family Insurance offers the cheapest average car insurance rates for married couples in Missouri.
|Company||Married couple rates|
|American Family Insurance||$1,374|
|Farmers Insurance Group||$1,917|
|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 coverage 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 coverage per person in Missouri will differ. Rate data is provided by Quadrant Information Services.
Among the five largest companies 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.
|Company||Female senior rates||Male senior rates|
|American Family Insurance||$807||$813|
|Farmers Insurance Group||$917||$1,003|
|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 policy 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.
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|
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 one driving incident within the past three 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.
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|
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 insurance limits and a $500 collision and comprehensive deductible. The driver had one driving incident within the past three years and has 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.
Missouri is an at-fault accident state, meaning that the driver responsible for the automobile accident is responsible for any damage that had been caused. This is why minimum coverage is usually required by each state, because there is an increased chance of a driver having to file an insurance claim.
Missouri drivers are required to purchase a minimum liability insurance policy, bodily injury coverage, and property damage coverage, 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.
And uninsured motorist coverage, which protects you if you are hit by an uninsured driver, an underinsured driver, or a hit-and-run driver. Please note that uninsured motorist coverage does not cover vehicle damage after an accident has occurred.
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.
Auto insurance coverage can be split up into types, if that helps you to think about them as separate pieces of one giant policy. When you're given auto insurance quotes, agents can tick each box that you're interested in to generate your pricing. You can learn more about these car insurance coverages and other optional coverages by reading our car insurance guide.
Mississippi state minimum requirements:
- $25,000 for bodily injury/death of one person in an accident caused by the driver of the insured vehicle
- $50,000 for total bodily injury or death liability in an accident caused by the driver of the insured car
- $10,000 for property damage per accident caused by the driver of the insured car
- $25,000 in bodily injury per person
- $50,000 in bodily injury 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 car insurance 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.
You are also required to have proof of insurance on you at all times. Whether you have your insurance card in your phone, wallet, or glove box. Getting caught without proof of insurance will result in a hefty ticket.
Think about what additional coverage you may want to include within your coverage policy, based on where you live and how much you drive. Your coverage rates may increase depending on how much protection you opt in for, but having that safety net that will catch you can be a big financial help.
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. High-risk drivers such as these are the ones who end up causing financial stress on other drivers. If you don't have sufficient liability per accident coverage, you may end up with their medical bill looming over your head.
This is why it's important to not only understand the types of coverage that exist, but also what would be the best to include in your auto policy. Find competitive rates if your current insurer isn't offering you enough coverage per accident at a low cost. Or ask if there are any insurance discounts that you're eligible for, to offset the cost of adding on additional coverage.
How are car insurance rates 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. Especially when the annual rates seem to fluctuate between companies. While there is no exact formula that each car insurance company uses when providing you an insurance 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 (individuals with a clean driving record will pay less for an insurance policy)
- How much you drive
- Marital status
- 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 can you save money on your car insurance in Missouri?
At the end of the day, we'd all like to have the best, affordable car insurance coverage 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
You can also talk to your insurance agent about what your state's insurance requirements are, and see if there are any course you can take to help lower the cost of insurance that you need. This could include taking a defensive driving course, or mentioning that you would like to improve your driving habits. Even drivers with traffic tickets in their history have the ability to lower their rates.
How does Clearsurance rate and rank 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:
- 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. Customer satisfaction is one of the largest facets that make up the face of every company.
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
Is there a car insurance guide for reference?
Whether you're buying your insurance directly or going through an agent, understanding the different car insurance coverage options is a must. Because not only do you need to be aware of what the varying types are, but you also need to know what the required coverage levels are within your state. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage car insurance? 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. We keep everything to high editorial standards, to ensure you have all the correct information you need so that you can find an affordable rate of coverage from the best insurers in Missouri.
Frequently Asked Questions
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.
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.
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.