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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Opening your Missouri car insurance bill can be a shock. Typical rates run $144 per month, compared to 151 nationwide. Two major factors drive these costs: An estimated one in six Missouri drivers don’t have insurance, and the state is prone to severe hailstorms — including March 2024’s baseball-size chunks that caused massive damage to vehicles.
But it’s not all doom and gloom. Comparing auto insurance reveals several companies that offer affordable premiums, with USAA, State Farm, and Allstate proving budget-friendly options are out there.
Let’s explore your best choices for cheap car insurance in Missouri.
USAA has the lowest average rates for many drivers, at just $34 per month.
Missouri requires drivers to have a minimum of 25/50/25 bodily injury and property damage and 25/50 in uninsured motorist protection.
Your location affects your rate. Expect higher car insurance premiums in busy city areas than in quiet neighborhoods.
Missouri’s high car insurance rates might make cheap car insurance feel out of reach, but plenty of companies offer better deals than you’d expect. We looked at dozens of companies to find the best options across the state.
Here are the cheapest insurers in Missouri, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| USAA | $34 |
| State Farm | $40 |
| Allstate | $54 |
| GEICO | $59 |
| American Family | $68 |
| Clearcover | $81 |
| Progressive | $82 |
| Root | $88 |
| Shelter | $89 |
| Safeco | $92 |
| Direct Auto | $92 |
| Nationwide | $95 |
| National General | $97 |
| Auto-Owners | $98 |
| Travelers | $99 |
| Bristol West | $124 |
| Dairyland | $127 |
| GAINSCO | $135 |
| Foremost | $138 |
| The General | $140 |
| AssuranceAmerica | $146 |
| Liberty Mutual | $168 |
USAA tops our list for the cheapest average rates in Missouri, at $34 per month.
But your costs can swing dramatically depending on your age, driving record, and credit history. Stick around — we’ll go over the cheapest options from the best car insurance companies for different driving situations.
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Looking at average costs gives you only part of the story. Car insurance companies consider dozens of factors about you and your car to set your rate. Your age, driving record, credit history, and even your ZIP code affect how much you pay.
The table below shows the cheapest insurance companies for different driver backgrounds and coverage types in Missouri, according to Compare.com data.
Driver/Coverage Type ▲▼ | Cheapest Insurer ▲▼ | Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|
| State-minimum coverage | USAA | $34 |
| Full coverage | USAA | $56 |
| Teens | USAA | $62 |
| Seniors | USAA | $26 |
| Drivers with a speeding ticket | USAA | $45 |
| Drivers with an at-fault accident | USAA | $47 |
| Drivers with a DUI | USAA | $57 |
| Drivers with excellent credit | USAA | $32 |
| Drivers with poor credit | USAA | $39 |
To save you the hassle of scouting insurance comparison sites, we’ve broken down the details of what each driver type pays so you can zoom in on what matters most to you.
Compare personalized rates from Missouri’s cheapest companies.
Most Missouri drivers pay around $98 per month for basic liability insurance, according to Compare.com data. That complies with the state’s minimum coverage requirements, but experts suggest you beef up your protection.
Here’s why: While state-minimum liability coverage might seem like the easy way to get cheap car insurance, it could leave you forking over thousands after a fender-bender on Interstate 70 or bumping into someone’s car in a Joplin parking lot.
The five companies in the chart below have the cheapest insurance rates in Missouri for state-minimum coverage, according to Compare.com data.
USAA stands out with the most affordable minimum liability coverage, at $34 per month.
You may want to think twice before skipping full coverage in Missouri. Full coverage adds comprehensive coverage (which helps pay for storm damage) and collision insurance to protect your car — even if you hit a deer on U.S. Route 63 or someone without insurance sideswipes you.
Missourians who opt for full coverage see monthly car insurance bills around $190. Here are five companies with the most affordable full coverage in the state, according to Compare.com data.
For the lowest full coverage costs, you’ll find monthly premiums averaging $56 with USAA.
Brace yourself if you’re adding a teenage family member to your policy. The first few years of having a driver’s license come with sky-high insurance rates, averaging $281 per month in Missouri. Teen drivers face more risks than experienced drivers and must learn to navigate rush hour and Missouri’s wild weather.
To soften the blow to your budget, we’ve rounded up five cheap car insurance options for the average Missouri family with a young driver, according to Compare.com data.
USAA makes the smallest dent in your wallet, with teen coverage averaging $62 per month. Make sure to ask about discounts if you have more than one car, get good grades, and have a student away at school.
Senior drivers in Missouri pay some of the lowest rates for auto insurance — thanks to decades of driving experience navigating everything from St. Louis traffic to Ozark backroads. Older drivers in the state see monthly car insurance bills around $109.
The chart below shows the five cheapest car insurance companies in Missouri for senior drivers, according to Compare.com data.
For seniors, USAA offers the lowest average insurance rate of $26 per month.
Getting a ticket for speeding will sting twice — once when paying the fine and again when you see your insurance rates jump. Our research shows that even one speeding ticket bump rates up by an average of 29% nationwide. In Missouri, motorists with a recent ticket shell out $206 per month for coverage.
Here are Missouri’s five cheapest car insurance companies for drivers with a moving violation.
USAA has the lowest average monthly coverage premiums of $45 for Missourans with a recent speeding ticket.
Fender-benders can happen to anyone, whether it’s a slip on an icy I-44 or a parking-lot mishap in Springfield. A single at-fault crash pushes your rates up by an average 33% nationwide, with Missouri drivers paying around $218 per month, according to our data.
The following five companies are cheapest after an at-fault accident. Here’s what the average Missouri driver can expect to pay.
USAA keeps rates more manageable after a car accident. Its monthly premiums average just $47 in Missouri.
USAA keeps rates more manageable after a car accident. Its monthly premiums average just $47 in Missouri.
A DUI is more than a legal headache. It also adds points to your license that can do a number on your car insurance rates. Across the U.S., premiums climb 61% after a DUI conviction, according to our research. You’ll pay around $247 per month in Missouri after a DUI — and some insurers might turn you down for coverage altogether.
The five Missouri insurers below have the lowest car insurance premiums after a DUI, according to our data.
Consider USAA if you’re looking for auto insurance after a DUI. It offers the most affordable rates, at an average of $57 per month.
Credit history matters more than you might think when it comes to car insurance. Across the country, drivers with poor credit pay 42% more than people with excellent credit, according to our data. Missouri drivers with poor credit spend an average of $160 per month on car insurance.
But it doesn’t have to be another number hanging over your head. The five Missouri insurers below offer the lowest average rates for people with poor credit.
USAA charges an average rate of 39 per month to drivers with bad credit — the cheapest of any company.
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Like cell phone plans and pizza delivery fees, car insurance rates bounce all over the place. Where you park your car at night plays a big role in your bill. Higher traffic and theft rates in downtown Kansas City can drive up your prices. But settling in a quiet Jefferson City neighborhood can mean lower premiums.
Plenty of local factors come into play — from crime rates and storm patterns to traffic density and uninsured drivers. Here’s a peek at the cheapest insurers for Missouri’s largest cities.
City ▲▼ | Cheapest Insurer ▲▼ | Insurer’s Average Monthly Premium ▲▼ |
|---|---|---|
| Kansas City | USAA | $40 |
| St. Louis | USAA | $52 |
| Springfield | USAA | $33 |
| Columbia | USAA | $32 |
| Independence | USAA | $35 |
While USAA tops the list for the cheapest rates in Kansas City, at $40, your personal rate could tell a different story. It’s worth getting quotes from a few companies to find the best deal for your situation.
See which Missouri insurers offer you the best rates around.
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Missouri state law, like nearly every other state, requires you to have insurance before you hit the road — no way around it. You’ll need 25/50/25 insurance to meet the state’s minimum coverage requirements. Here’s what those numbers mean:
$25,000 in bodily injury per person
$50,000 in bodily injury per accident
$25,000 in property damage liability per accident
The Missouri Department of Insurance also makes sure you have protection against uninsured drivers. Your car insurance policy must have $25,000 per person and $50,000 per accident in uninsured motorist coverage. This coverage helps pay if someone without insurance crashes into you, giving you more peace of mind.
Missouri’s minimum-coverage requirements probably won’t cut it if you get into anything more serious than a minor accident. Even Missouri’s Department of Insurance warns that state minimums usually aren’t enough to protect you and your savings.
Think about it: A three-day hospital stay could easily exceed your $25,000 personal injury limit, leaving you footing the bill for the rest. And if you’re still making payments on your car, your lender will insist on full coverage.
Check out the answer below if you’re looking for more information on how auto insurance works in Missouri.
USAA usually has the lowest rates in Missouri, with monthly coverage averaging $34, according to our analysis. But remember, how much you pay depends on things like your driving record, age, and where you live.
On average, Missouri drivers pay around $144 per month for car insurance, according to our data. Basic liability coverage is the cheapest, averaging $98 per month, while full-coverage insurance typically costs around $190 per month.
For full coverage that won’t empty your wallet, consider USAA. It offers Missouri’s most affordable full-coverage car insurance, with an average monthly cost of $56, according to our research.
Missouri drivers need bodily injury coverage of at least $25,000 per person and $50,000 per accident, property damage liability of at least $25,000, and matching limits for uninsured motorist coverage. But the state suggests upping your policy limits to get more protection.
Insurance Information Institute, “Facts + Statistics: Uninsured motorists,” accessed January 21, 2025.
Insurance Information Institute, “Facts + Statistics: Hail,” accessed January 21, 2025.
New York Times, “Insurers Report Rising Hail Damage Claims,” accessed January 21, 2025.
Missouri Department of Transportation, “Traffic Volume Maps,” accessed January 21, 2025.
Crime Grade, “Missouri Vehicle Theft Rates and Vehicle Theft Maps,” accessed January 21, 2025.
Missouri Department of Insurance, “Consumer Guide to Auto Insurance,” accessed January 21, 2025.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Amy Beardsley is a seasoned insurance expert who’s been writing for Compare.com since 2023. She has more than 12 years of industry knowledge and expertise in auto, home, life, commercial, and other insurance products. Amy’s work has been published by Berkshire Hathaway Specialty Insurance, Legal & General, NerdWallet, Robinhood, Insurify, NEXT Insurance, and more.
Amy worked as a court administrator before becoming a content marketing writer. Her legal background has equipped her with the ability to simplify complex technical language into easy-to-understand content.
She graduated magna cum laude from Ferris State University, where she earned a Bachelor of Science in Business Administration and Legal Studies.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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