Best and Cheapest Car Insurance in Missouri for 2024 (Best 10 Companies for Savings)
USAA, Nationwide, and State Farm have the best and cheapest car insurance in Missouri.
Want more Missouri companies to pick from than the three we listed? More great options for the best and cheapest car insurance companies in Missouri are listed below.
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | $18 | A++ | Military Savings | USAA |
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#2 | $23 | A | Deductible Options | Nationwide |
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#3 | $30 | B | Agency Network | State Farm |
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#4 | $32 | A++ | Good Drivers | Geico |
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#5 | $35 | A+ | Roadside Assistance | Progressive |
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#6 | $37 | A | Loyalty Discounts | American Family |
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#7 | $40 | A++ | Specialized Coverage | Travelers |
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#8 | $46 | A | Multi-Policy Discounts | Liberty mutual |
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#9 | $48 | A | Discount Variety | Farmers |
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#10 | $52 | A+ | Drivewise Programs | Allstate |
Read on to learn more about the best companies in Missouri for car insurance. You can also enter your ZIP in our free quote comparison tool to find affordable Missouri car insurance quotes.
What You Should Know
- USAA has the cheapest auto insurance in Missouri
- State Farm and Nationwide are also affordable
- All Missouri drivers must carry minimum coverage to drive
On this page:
- Top Companies in Missouri Rates and Discounts
- Cheapest Teen Car Insurance Rates in Missouri
- Cheapest Married Couple Car Insurance Rates in Missouri
- Cheapest Senior Car Insurance Rates in Missouri
- 10 Cheapest Areas in Missouri for Car Insurance
- 10 Most Expensive Areas in Missouri for Car Insurance
- Missouri Minimum Car Insurance Requirements and Limits
- How Missouri Car Insurance Companies Calculate Rates
- How to Save on Missouri Car Insurance
- How Clearsurance Ranks Missouri Car Insurance Companies
- The Bottom Line: Finding the Best and Cheapest Missouri Car Insurance Companies
#1 – USAA: Top Pick Overall
Pros
- Military Savings: Veterans and military members in Missouri will find the best insurance at USAA.
- Customer Ratings: USAA’s ratings are high. Learn more in our USAA review.
- Roadside Assistance: This coverage can be added to any Missouri policy.
Cons
- No In-Person Assistance: Customer service can be reached online or over the phone.
- Eligibility Restrictions: Missouri insurance is sold only to military and veterans.
#2 – Nationwide: Best for Deductible Options
Pros
- Deductible Options: Choose a deductible amount you are comfortable with on your policy.
- Bundling Discount: Bundle policy types together to save on Missouri insurance.
- Coverage Choices: Missouri customers have plenty of choices for their policy.
Cons
- Customer Ratings: Improvements could be made on services. Learn more in our Nationwide review.
- Agent Availability: Missouri local agents may be harder to find.
#3 – State Farm: Best for Agency Network
Pros
- Agency Network: Local Missouri agents are available near most customers. Learn more in our State Farm review.
- Roadside Assistance: Add for 24/7 assistance on Missouri roads.
- Discount Opportunities: Missouri car insurance rates can be reduced through discounts at State Farm.
Cons
- A.M. Best Rating: State Farm’s financial rating is low.
- Online Management: Most Missouri policy changes have to be through an agent.
#4 – Geico: Best for Good Drivers
Pros
- Good Drivers: Geico’s rates are very affordable for good drivers in Missouri.
- Coverage Options: Missouri full coverage and add-on options are sold at Geico.
- Bundling Discount: Save by bundling Geico renters insurance or home insurance policy with auto insurance.
Cons
- No Local Agents: Geico serves customers online or over the phone.
- New Car Coverage Options: Missouri customers can’t purchase gap.
#5 – Progressive: Best for Roadside Assistance
Pros
- Roadside Assistance: Round-the-clock assistance on Missouri roads can be added to policies.
- Snapshot Discount: Lower rates by joining the UBI program from Progressive.
- Online Tools: Easily make policy changes, get quotes, and more. Learn more in our Progressive review.
Cons
- Snapshot Rate Increases: While most drivers will save, bad drivers may see increases in rates.
- Customer Reviews: Missouri customer service could improve.
#6 – American Family: Best for Loyalty Discounts
Pros
- Loyalty Discounts: Loyal customers will get cheaper Missouri auto insurance rates. Read more in our review of American Family.
- Multi-Vehicle Discount: Insuring more than one vehicle in Missouri will lower rates.
- Adjustable Deductibles: Choose a deductible amount you are comfortable with and adjust as needed.
Cons
- Online Limitations: Some policy changes will have to be done through an agent.
- Limited Availability Outside Missouri: Moving out of the state may mean you can’t keep American Family as your insurer.
#7 – Travelers: Best for Specialized Coverage
Pros
- Specialized Coverage: Travelers has coverage for specialized vehicles in Missouri.
- Financial Rating: Travelers has a high rating for responsible handling of finances.
- IntelliDrive Program: A UBI program that offers savings on Travelers policies.
Cons
- IntelliDrive Rate Increases: Most drivers will save with the program, but bad drivers could potentially have higher rates.
- Customer Service: Ratings could improve. Learn more about ratings in our Travelers review.
#8 – Liberty Mutual: Best for Specialized Coverage
Pros
- Multi-Policy Discounts: Getting all your insurance needs from Liberty Mutual lowers rates.
- 24/7 Assistance: Missouri customers can reach a representative 24/7.
- Military Discount: Military and veterans get a discount at Liberty Mutual.
Cons
- Customer Ratings: Ratings could improve. Learn more about ratings by reading our Liberty Mutual review.
- Higher DUI Rates: DUI drivers in Missouri will have above average costs.
#9 – Farmers: Best for Discount Variety
Pros
- Discount Variety: Missouri car insurance rates can be lowered with any of Farmers’ discounts.
- Local Agents: Personalized assistance is offered from local Missouri agents. Learn more in our Farmers review.
- Coverage Variety: Most drivers should be able to buy any coverage they need for their vehicle in Missouri.
Cons
- Claim Reviews: Farmers may be slower processing claims.
- Digital Tools: Customers may find limitations in online tools.
#10 – Allstate: Best for Drivewise Program
Pros
- Drivewise Program: Good Missouri drivers can save big by joining Drivewise.
- Mileage-Based Insurance: Infrequent drivers in Missouri can purchase mileage-based coverage.
- Multi-Vehicle Discount: Missouri customers who insure more than one car will get a discount.
Cons
- Customer Reviews: Satisfaction levels and complaints are less than satisfactory. Find out more in our Allstate review.
- Higher Young Driver Rates: Teen drivers in Missouri will have higher rates.
Top Companies in Missouri Rates and Discounts
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.
The average rates at the cheapest Missouri companies are below.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $52 | $148 |
| American Family | $37 | $106 |
| Farmers | $48 | $135 |
| Geico | $32 | $90 |
| Liberty mutual | $46 | $129 |
| Nationwide | $23 | $66 |
| Progressive | $35 | $98 |
| State Farm | $30 | $85 |
| Travelers | $40 | $114 |
| USAA | $18 | $50 |
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.
At all our top cheapest companies, further savings can be found if you apply for discounts.
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.
Read more: Top Ways Customers Have Saved Money on Car Insurance
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.
Cheapest Teen Car Insurance Rates in Missouri
Teenagers may not be eligible for cheap auto insurance immediately, but that shouldn't act as a deterrent. Take a look below to see how much coverage costs for teenagers at the cheapest Missouri companies.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $165 | $160 |
| American Family | $105 | $137 |
| Farmers | $274 | $283 |
| Geico | $95 | $102 |
| Liberty Mutual | $146 | $162 |
| Nationwide | $76 | $100 |
| Progressive | $181 | $205 |
| State Farm | $84 | $107 |
| Travelers | $243 | $339 |
| USAA | $54 | $66 |
Out of the largest car insurance companies in Missouri, USAA 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.
Learn more: New Driver Car Insurance
So before you take their driving privileges away completely, compare prices between companies to find them the lowest rate.
Cheapest Married Couple Car Insurance Rates in Missouri
Newly married or planning on getting married? You could save on car insurance by signing up for a policy together. Take a look at the table below to see how much minimum coverage costs at the cheapest Missouri companies.
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $55 |
| American Family | $46 |
| Farmers | $62 |
| Geico | $30 |
| Liberty Mutual | $50 |
| Nationwide | $30 |
| Progressive | $51 |
| State Farm | $40 |
| Travelers | $47 |
| USAA | $25 |
Out of the most popular companies in Missouri, USAA, Nationwide, and Geico offer the cheapest average car insurance rates for married couples in Missouri. If you are married, make sure to shop around to find the cheapest rate.
Learn more: Best Car Insurance Companies for Married Couples
Cheapest Senior Car Insurance Rates in Missouri
Among the top companies in Missouri, USAA provides the cheapest car insurance rates for female senior drivers and male senior drivers. Below, we've listed the cheapest companies' minimum coverage rates by gender for senior drivers.
| Insurance Company | Female | Male |
|---|---|---|
| Allstate | $50 | $51 |
| American Family | $34 | $34 |
| Farmers | $42 | $45 |
| Geico | $22 | $28 |
| Liberty Mutual | $34 | $38 |
| Nationwide | $20 | $22 |
| Progressive | $30 | $31 |
| State Farm | $27 | $27 |
| Travelers | $37 | $37 |
| USAA | $16 | $16 |
Generally, males will have higher rates than females. However, shopping around for Missouri car insurance quotes is one of the best ways to save on senior driver insurance.
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, as you can see from the average rates by Missouri area below. .
| Area | Monthly Rates |
|---|---|
| Lohman | $98 |
| Jefferson City | $98 |
| Centertown | $99 |
| Marshall | $100 |
| Saint Thomas | $100 |
| Lebanon | $100 |
| Eugene | $100 |
| Henley | $101 |
| Malta Bend | $101 |
| Blackburn | $101 |
In the table above, you can see the top 10 cheapest areas in Missouri for car insurance based on average rates for single adults. The lower rates in these states make it easier to get great coverage, lessening the chance that drivers will drive without insurance.
Read more: What is the penalty for driving without insurance?
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. Take a look at the average rates in the most expensive Missouri areas below.
| Area | Monthly Rates |
|---|---|
| Saint Louis | $142 |
| Florissant | $135 |
| Hazelwood | $129 |
| Saint Ann | $127 |
| Cedar Hill | $125 |
| Kansas City | $125 |
| Dittmer | $125 |
| Hillsboro | $124 |
| House Springs | $122 |
| Kimmswick | $122 |
The table above displays the top 10 most expensive areas in Missouri for car insurance based on average rates for a single adult. If you live in and expensive area in Missouri, makes sure to get quotes from the cheapest companies.
Learn more: Why is car insurance so expensive?
Missouri Minimum Car Insurance Requirements and Limits
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.
To find affordable coverage with higher limits, get quotes from the cheapest companies like American Family or use a quote comparison tool.
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:
Liability:
- $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
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.
For uninsured motorist coverage, drivers must carry the following amounts listed below.
Uninsured motorist:
- $25,000 in bodily injury per person
- $50,000 in bodily injury per accident
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.
Missouri 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. 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 Missouri Car Insurance Companies Calculate Rates
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
- 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?
Learn more: If a car accident is not your fault, does your insurance go up?
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 on Missouri Car Insurance
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 Clearsurance Ranks Missouri Car Insurance Companies
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. Customer satisfaction with claims and services is one of the largest facets that make up the face of every company.
Read more: Insurance Claims Rating for Top 10 Largest Car Insurance Companies
The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.
The Bottom Line: Finding the Best and Cheapest Missouri Car Insurance Companies
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.
Ready to find cheap Missouri car insurance quotes? Compare rates now by entering your ZIP in our free quote tool.
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, USAA 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 best insurance companies in Missouri, USAA offers the cheapest car insurance rates for married couples in Missouri on average.
Who offers the cheapest senior car insurance rates in Missouri?
USAA provides the cheapest car insurance rates for female senior drivers and the cheapest rates for male senior drivers on average among the five largest companies in Missouri.
Ready to find affordable car insurance? Get started today by entering your ZIP code below into Our free comparison tool
What is the cheapest auto insurance company in Missouri?
USAA is the cheapest car insurance company in Missouri.
What type of car insurance is cheapest in Missouri?
Minimum coverage is the cheapest type of car insurance in Missouri.
What is the minimum car insurance required in Missouri?
Missouri requires 25/50/10 of liability insurance and 25/50 of uninsured motorist insurance.
Read More: What is uninsured motorist coverage?
Is it illegal to drive without car insurance in Missouri?
Yes, all drivers in Missouri must have auto insurance and may face penalties for driving without car insurance.
What is the penalty for driving without insurance in Missouri?
Common penalties are fines and license suspension.
What is full coverage car insurance in Missouri?
Missouri full coverage auto insurance is liability, uninsured motorist, collision, and comprehensive insurance.
Is Missouri a no-fault state?
No, Missouri is not a no-fault state. It is an at-fault state, which means whoever caused the accident is responsible for other parties' bills.
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