In a NutshellThe average cost of car insurance varies based on individual circumstances like credit score, age, driving history and the car you drive. We’ve crunched the numbers to find some of the lowest-cost insurers for several Missouri driver profiles. Read on to see how you might save money on car insurance in the Show-Me State.
Note from our editor: Maybe you’re searching for car insurance for the first time or want to do some insurance shopping to help lower your monthly premium? This article can serve as a starting point for your car insurance research. There are a lot of factors when it comes to the cost of car insurance, so while you may not see the exact premiums we’ve researched, they can give you an idea of some of the insurers offering the cheapest rates in your state.
Missouri offers all types of adventure, from the Gateway Arch to the Ozarks. But is your ride adequately protected as you enjoy the roads in your home state?
We compared rates across several companies to calculate the average cost of basic car insurance in Missouri and find which insurers offer the cheapest estimated rates for different driver needs.
To do this, we used a relatively neutral driver profile. Our Missouri driver profile — unless otherwise noted — has no accidents, tickets or claims (see our full methodology). Your rates may be higher or lower, as there are several factors that affect car insurance, like your age, driving history, vehicle type, mileage and coverage options.
Read on to learn about Missouri’s average car insurance rates and our findings for the cheapest options on basic coverage in the Show-Me State.
- Cost of car insurance in Missouri
- 5 cheapest car insurance companies in Missouri
- Cheapest state-minimum car insurance in Missouri
- Cheapest car insurance for good credit in Missouri
- Cheapest car insurance for poor credit in Missouri
- Cheapest car insurance for drivers with multiple claims in Missouri
- Cheapest car insurance for young drivers in Missouri
- Missouri auto insurance requirements
- Is usage-based insurance available in Missouri?
- FAQs about the cheapest car insurance rates in Missouri
Cost of car insurance in Missouri Missouri
Average monthly premiums for basic car insurance in Missouri range from about $66 up to over $130, depending on the type of coverage and driver profile.
Average monthly auto insurance premiums in Missouri
|Driver or coverage||Avg. monthly cost|
|State-minimum car insurance||$66.90|
|Drivers with poor credit||$113.09|
|Drivers with multiple claims||$132.78|
5 cheapest car insurance companies in Missouri
Based on our calculations, here are the five companies that offer the cheapest insurance at basic coverage for our Missouri driver. Remember, we’ve calculated these rates based on a specific Missouri driver profile, as detailed in our methodology, to assess insurers fairly.
That means your rates could be different. Unless otherwise noted, the Missouri driver profile we shopped for is between 36 and 45 years old, has a car worth $20,000 to $30,000, doesn’t have any tickets or coverage gaps on their record, and has a credit score between 680 and 719.
USAA is the least expensive insurer for our Missouri driver profile, with a monthly price of $29.43 on basic coverage. To get car insurance from USAA, drivers must be eligible for USAA membership. USAA is open to U.S. military members and their families. USAA car insurance also offers all of the standard coverage options and a host of possible discounts, including the USAA SafePilot program, which rewards drivers who record safe driving behavior.Read reviews of USAA auto insurance
2. Missouri Farm Bureau Services
Missouri Farm Bureau Services is an affiliate of the Missouri Farm Bureau Federation, the largest general farm organization in the state, with 140 local service centers around Missouri. With this company, our Missouri driver profile could find basic auto insurance for as low as $42.42 per month. The insurer also offers comprehensive, collision, bodily injury and uninsured/underinsured motorist coverage, plus extras like roadside assistance, disability income and a reduced deductible.
With Geico, our Missouri driver profile could pay about $47.08 per month for basic car insurance. Geico also offers a range of available coverages and discounts, as well as a robust mobile app. It also offers a coverage calculator, which recommends the amount of coverage you might need and helps you determine an appropriate deductible.Read reviews of Geico auto insurance
4. Auto-Owners Insurance
Our Missouri driver profile could see car insurance rates through Auto-Owners for as low as $48.58 per month on basic coverage. Auto-Owners sells insurance only through independent agents. It also offers all the standard coverage options, plus extras like road trouble service, gap coverage and diminished value insurance, plus the Personal Automobile Plus Package, with 10 additional coverages, including identity theft protection and cellphone replacement.Read reviews of Auto-Owners auto insurance
5. State Farm
Our Missouri driver profile could see basic car insurance rates through State Farm for as low as $55.04 per month. State Farm has a few programs that can help you save on car insurance. Through its Drive Safe & Save program, customers could save up to 30% on their premium based on driving behavior. Additionally, customers under the age of 25 with no at-fault accidents or moving violations in the past three years could save up to 15%. Students might also be happy to know that getting good grades can save you up to 25% with State Farm.Read reviews of State Farm auto insurance
Cheapest state-minimum car insurance in Missouri
The state of Missouri has mandated auto insurance coverage of 25/50/25. This is considered the state-minimum insurance, which is the minimum coverage needed to drive in Missouri.
The following five companies offer the lowest rates for drivers looking for state-minimum coverage only.
5 cheapest car insurance companies in Missouri for state-minimum coverage
|2||MO Farm Bureau Services||$42.42/month|
Cheapest car insurance for good credit in Missouri
Your credit can have an impact on your car insurance bill. In general, higher credit scores translate to lower monthly premiums.
Here are the five insurance companies that offer the lowest rates on basic coverage for Missouri drivers with good credit.
5 cheapest car insurance companies in Missouri for those with good credit
|1||American National P&C||$14.17/month|
|4||National Grange Mutual||$39.44/month|
Cheapest car insurance for poor credit in Missouri
You may have to pay more for car insurance if your credit is less than perfect. However, other factors can also affect your premium, like a driving history free from claims and accidents.
The following companies have the lowest estimated rates on basic auto insurance for drivers considered to have poor credit.
5 cheapest car insurance companies in Missouri for those with poor credit
|1||American National P&C||$64.08/month|
|4||Southern Farm Bureau||$98.88/month|
Cheapest car insurance for drivers with multiple claims in Missouri
When you make a claim with your insurance company, the claim stays on your record. People with multiple claims on their record often pay more for car insurance.
Here are the companies that offered the lowest rates on basic coverage for drivers in Missouri with multiple claims.
5 cheapest car insurance companies in Missouri for multiple claims
|1||American National P&C||$38.00/month|
|3||National Grange Mutual||$78.00/month|
|5||Southern Farm Bureau||$89.50/month|
Cheapest car insurance for young drivers in Missouri
Finally, your age may influence how much you pay for car insurance, with younger drivers (under age 25) often paying more on their monthly premiums.
These companies have the lowest estimated rates on basic insurance for young drivers between 18 and 21.
5 cheapest car insurance companies in Missouri for young drivers
|4||MO Farm Bureau Services||$80.92/month|
Missouri auto insurance requirements
Drivers in Missouri must carry $25,000 per person and $50,000 per accident for bodily injury and $25,000 per accident for property damage. Missouri also requires drivers to have uninsured motorist coverage of $25,000 for bodily injury per person and $50,000 per accident.
Is usage-based insurance available in Missouri?
Usage-based insurance is a type of vehicle insurance that allows customers to pay premiums based on their driving behavior. Drivers in Missouri may be able to save money by taking advantage of UBI programs through their insurers.
FAQs about the cheapest car insurance rates in Missouri
Unless you get a temporary permit from a qualified dealer, you can drive with a temporary permit in Missouri for up to 30 days.
We found that USAA and American National offered the cheapest car insurance for many Missouri drivers, depending on their specific needs.
Usually, state-minimum insurance is the cheapest kind of car insurance you can carry. In Missouri, drivers must carry at least 25/50/25 insurance.
This article’s estimated rates are the lowest based on the profile of a driver age 36 to 45 living in Missouri. Unless otherwise noted, the rates displayed assume a single driver on the insurance policy with no tickets on their driving record and no claims or coverage lapses. The vehicle used in this estimate is valued between $20,000 and $30,000 and has annual mileage of 12,000 to 15,000. Estimated rates for insurance for good credit apply to scores 720 and above. Estimated rates for insurance for poor credit apply to scores from 350 to 579. Estimated rates for young drivers include those age 18 to 21. Estimated rates for those with multiple claims are calculated based on two claims.
Note that the rates are provided every six months by Quadrant Information Services. Quadrant Information Services doesn’t include all insurance companies in its rate data. These are estimated rates meant only to provide a frame of reference and comparison. Your rates may vary depending on various factors, such as age, vehicle driving habits and history.
Average monthly premium for full-coverage car insurance includes bodily injury, property damage, uninsured motorist, personal injury protection, collision and comprehensive coverages. Average monthly premium for state-minimum car insurance includes Missouri-mandated 25/50/25 insurance policy.