Cheapest car insurance in Missouri 2024

Illustration of car and license plateImage: Illustration of car and license plate

In a Nutshell

The 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.
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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

Average monthly premiums for basic car insurance in Missouri range from about $75 up to over $150, depending on the type of coverage and driver profile.

Average monthly auto insurance premiums in Missouri

Driver or coverageAvg. monthly cost
State-minimum car insurance$75.15
Drivers with poor credit$113.29
Drivers with multiple claims$152.47
Young drivers$143.53
Based on our standard driver profile and minimum coverage

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. 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.

1. 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. The insurer offers comprehensive, collision, bodily injury and uninsured/underinsured motorist coverage, plus extras like roadside assistance, disability income and a reduced deductible.


USAA is available to military members and their families. USAA auto insurance is available nationwide with various discount opportunities, including unique savings for deployed military members. The USAA app allows members to manage their policy from their mobile devices. USAA offers standard and optional coverage options. Read reviews of USAA to learn more.

3. Columbia Insurance Group

Founded in 1889, Columbia Insurance Group offers liability for cars, trailers, motor homes, classic and antique cars and camper bodies. Columbia sells insurance through independent agents and offers bodily injury liability, property damage, uninsured/underinsured motorist coverage, comprehensive and collision coverage.

4. Travelers

Travelers car insurance is available in most states and offers customers who remain accident- and violation-free with a decreasing deductible every six months. Standout coverage options include new-car replacement coverage and accident forgiveness. Prospective customers can get a quote online, over the phone or through a local agent. Read reviews of Travelers to learn more.

5. Geico

Geico offers a wide range of coverage options and many opportunities to save money for safe driving habits, safety equipment and customer loyalty. Its mobile app allows users to manage their policies, pay bills, request roadside assistance and more. Read reviews of Geico to learn more.

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

1Missouri Farm Bureau Services$30.42/month
3Columbia Insurance Group$50.67/month 
Based on our standard driver profile seeking minimum coverage in Missouri

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

1Missouri Farm Bureau Services$27.17/month
5Columbia Insurance Group$49.19/month 
Based on our standard driver profile, adjusted to display rates for a Missouri driver with a credit score of 720 or higher

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

1Missouri Farm Bureau Services$41.92/month 
3Columbia Insurance Group$61.00/month 
Based on our standard driver profile, adjusted to display rates for a Missouri driver with a credit score below 580

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

1Missouri Farm Bureau Services$40.00/month
4Columbia Insurance Group$83.25/month
Based on our standard driver profile, adjusted to display rates for a Missouri driver with two claims instead of zero claims

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

1Missouri Farm Bureau Services$57.58/month
4Columbia Insurance Group$90.92/month
Based on our standard driver profile, adjusted to display rates for a Missouri driver age 18–21 instead of 36–45

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

How long can you drive without plates 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.

Who usually has the lowest car insurance?

We found that Missouri Farm Bureau Services offered the cheapest car insurance for many Missouri drivers, depending on their specific needs.

What is the cheapest type of car insurance?

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.

About the author: Sarah Sidlow is a freelance writer and editor based near Detroit. She has a master’s degree in journalism from Georgetown University. Sarah’s work has appeared in Luxembourg’s national newspaper, Washington City Paper… Read more.