USAA offers the cheapest auto insurance rates in Missouri at about $849 a year or $71 monthly for an average driver profile. However, many factors go into deciding your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select as metrics to determine your average annual car insurance cost.
Key takeaways
- USAA offers the best car insurance rates in Missouri among the companies analyzed by Insurance.com.
- In Missouri, USAA provides the cheapest car insurance at $849 per year.
- Car insurance rates differ with various driving profiles. USAA offers the cheapest car insurance prices for drivers with poor credit.
- USAA has the cheapest car insurance rates for any driver with a DUI in Missouri. The insurance premium is $3,376 per year.
- Best auto insurance companies in Missouri
- Cheapest car insurance companies in Missouri
- Cheapest car insurance cost in Missouri for teens
- Cheapest car insurance cost in Missouri for young adults
- Cheapest car insurance cost in Missouri for adults
- Cheapest car insurance cost in Missouri for seniors
- Cheapest Car Insurance Companies in Missouri by Driver Profile
- Average cost of car insurance in Missouri
- Compare car insurance by city in Missouri
Best auto insurance companies in Missouri
Based on Insurance.com's rate analysis, USAA is our top pick for the best auto insurance company in Missouri. It has earned 3.7 auto star rating, highest among the carriers surveyed. Apart from USAA, Geico, Auto-Owners, State Farm and Travelers are the other top performers on the list of best car insurance companies.
Compare insurance providers based on their auto star ratings and decide which one is the right option for you.
| Company | Auto star ratings |
|---|---|
| Allstate | 5.0 |
| Geico | 4.9 |
| Travelers | 4.0 |
| Safeco | 3.9 |
| Progressive | 3.8 |
| The General | 3.8 |
| Liberty Mutual | 3.7 |
| American Family | 3.4 |
Cheapest car insurance companies in Missouri
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Missouri and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, USAA is the cheapest auto insurance company in Missouri that offers insurance policies at $849 annually or $71 a month, on average.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| USAA | $849 | $71 |
| Nationwide | $1,097 | $91 |
| Travelers | $1,335 | $111 |
| State Farm | $1,398 | $116 |
| American Family | $1,601 | $133 |
| Auto-Owners | $1,613 | $134 |
| Allstate | $1,732 | $144 |
| Auto Club Enterprises (AAA) | $2,020 | $168 |
| Geico | $2,173 | $181 |
| Progressive | $2,589 | $216 |
| Kemper Insurance | $5,413 | $451 |
Cheapest car insurance cost in Missouri for teens
USAA is the cheapest car insurance company in Missouri for teen drivers. Its average annual premium for teenagers is $2,321 or $193 a month.
The difference in costs between the teen and adult group is significant. Drivers in the youngest age group pay more than the drivers in the oldest age group. There are several reasons for this difference. Teen drivers are more likely to be involved in accidents and to make claims on their insurance policies. They are also more likely to be driving illegally without insurance. All these reasons lead to higher insurance rates for teenage drivers.
| Company | Average annual premium |
|---|---|
| USAA | $2,321 |
| Allstate | $3,649 |
| State Farm | $4,113 |
| Nationwide | $4,128 |
| Travelers | $4,240 |
| American Family | $4,630 |
| Geico | $5,745 |
| Auto-Owners | $6,234 |
| Progressive | $9,158 |
| Auto Club Enterprises (AAA) | $11,470 |
| Kemper Insurance | $18,022 |
Cheapest car insurance cost in Missouri for young adults
USAA is the cheapest car insurance company in Missouri for young adults, based on Insurance.com's rate analysis. Its average annual premium is $1,262 or $105 a month.
The insurance rates for young drivers are more expensive than adult drivers because they have a short history of safe driving and lack of experience on the road.
If you’re a young driver and still studying and looking for ways to save on your car insurance, make sure you take advantage of the discounts for which you are eligible. And for those who aren't students anymore, they can avail themselves of other discounts offered by insurance companies to save on their insurance premium.
| Company | Average annual premium |
|---|---|
| USAA | $1,262 |
| Nationwide | $1,969 |
| Travelers | $2,104 |
| Allstate | $2,218 |
| State Farm | $2,410 |
| American Family | $2,465 |
| Geico | $2,743 |
| Auto-Owners | $2,876 |
| Auto Club Enterprises (AAA) | $4,361 |
| Progressive | $4,367 |
| Kemper Insurance | $10,126 |
Cheapest car insurance cost in Missouri for adults
USAA is the cheapest car insurance company in Missouri for adults. Its average annual premium is $875 or $73 a month.
When most drivers reach their mid 20s, they enjoy cheaper car insurance rates than in their teen years and early 20s. Still, the cost of car insurance varies due to factors such as a person’s driving record and the make or model they drive.
Adult drivers can lower the cost of auto insurance by shopping around and availing themselves of any discounts available. Another way to save on your premium is by insuring more than one vehicle with the same company, or by bundling your home and auto insurance policies.
| Company | Average annual premium |
|---|---|
| USAA | $875 |
| Nationwide | $1,123 |
| Travelers | $1,380 |
| State Farm | $1,429 |
| American Family | $1,614 |
| Auto-Owners | $1,665 |
| Allstate | $1,789 |
| Auto Club Enterprises (AAA) | $2,086 |
| Geico | $2,137 |
| Progressive | $2,668 |
| Kemper Insurance | $5,449 |
Cheapest car insurance cost in Missouri for seniors
USAA is the cheapest auto insurance company for senior drivers in Missouri. Its average annual premium is $834 or $70 a month.
Insurance companies charge mature drivers much less than they do for teen drivers, but as drivers get into their senior years, a lot of those discounts dry up. You can save a lot of money by comparing car insurance rates. Senior drivers might be able to save hundreds of dollars on their insurance premium by shopping around.
| Company | Average annual premium |
|---|---|
| USAA | $834 |
| Nationwide | $1,047 |
| State Farm | $1,277 |
| Travelers | $1,306 |
| American Family | $1,483 |
| Auto-Owners | $1,561 |
| Allstate | $1,592 |
| Auto Club Enterprises (AAA) | $1,900 |
| Geico | $2,003 |
| Progressive | $2,415 |
| Kemper Insurance | $4,640 |
Cheapest Car Insurance Companies in Missouri by Driver Profile
While location is a major factor in determining your car insurance rates, your driving profile also plays a role. Some drivers struggle with a bad driving record, but a clean record doesn't have to hurt your wallet. If you have been convicted of any traffic violations or have multiple accidents under your belt, then your auto insurance rates may skyrocket.
Make sure you compare rates of insurance companies to find the best policy for you. No matter what your driving history looks like, you can still find affordable coverage in Missouri.
Cheapest auto insurance for drivers with poor credit: USAA
USAA is the cheapest car insurance company for drivers a with poor credit score. Its average annual premium is $4,186 or $349 a month. It's important to know that your credit score can affect your rates with insurers. One company might charge more because of your poor credits, but another could offer the same coverage for less money. The best way to get lower rates is by getting multiple quotes from different companies and seeing which one offers a better price| Company | Average annual premium |
|---|---|
| USAA | $1,638 |
| Nationwide | $1,950 |
| Travelers | $2,710 |
| State Farm | $3,031 |
| American Family | $3,139 |
| Allstate | $3,252 |
| Geico | $3,992 |
| Auto-Owners | $4,565 |
| Progressive | $5,222 |
| Auto Club Entreprises | $7,892 |
| Kemper | $8,658 |
Cheapest auto insurance for drivers with a speeding tickets: USAA
USAA is the cheapest car insurance company for drivers with a speeding ticket. Its average annual rate for Missouri drivers is $2,968, based on a rate analysis by Insurance.com.If you get a speeding ticket, your car insurance rates might go up. However, how much a speeding ticket affects your rates will depend on the type of violation, insurance company’s pricing strategy and regulations in your state.
The data below shows the companies that offer cheap insurance rates for drivers with a speeding ticket in Missouri.
| Company | Average annual premium |
|---|---|
| USAA | $1,028 |
| Nationwide | $1,696 |
| State Farm | $1,762 |
| Travelers | $2,059 |
| Allstate | $2,118 |
| American Family | $2,260 |
| Auto-Owners | $2,790 |
| Geico | $2,968 |
| Auto Club Entreprises | $3,624 |
| Progressive | $3,743 |
| Kemper | $8,599 |
Cheapest auto insurance after at-fault accident: USAA
USAA is the cheapest car insurance company for drivers with an accident record. Its annual average cost for drivers with an at-fault bodily injury accident is $3,823. The only way to get cheap car insurance after an accident is by comparing rates. So, don't forget to compare insurers based on their average annual premium to get an affordable rate.| Company | Average annual premium |
|---|---|
| USAA | $1,169 |
| State Farm | $1,887 |
| Travelers | $2,026 |
| Nationwide | $2,153 |
| Allstate | $2,444 |
| American Family | $2,539 |
| Auto Club Entreprises | $3,904 |
| Progressive | $4,531 |
| Geico | $5,370 |
| Auto-Owners | $5,494 |
| Kemper | $10,538 |
Cheapest auto insurance after a DUI: USAA
The cheapest car insurance company for drivers with a DUI is USAA. Its average premium cost is $3,376 or $281 a month.
When you get pulled over for driving under the influence, your insurance rates are going to skyrocket. This is because it signals that drivers with a DUI have a higher chance of getting into accidents. A DUI conviction can have a huge impact on your insurance rates, but shopping around may help you save money.
| Company | Average annual premium |
|---|---|
| USAA | $1,482 |
| State Farm | $1,762 |
| Travelers | $2,207 |
| American Family | $2,260 |
| Allstate | $2,413 |
| Nationwide | $2,745 |
| Progressive | $3,455 |
| Auto Club Entreprises | $3,840 |
| Geico | $4,604 |
| Auto-Owners | $4,895 |
| Kemper | $7,471 |
Average cost of car insurance in Missouri
The average car insurance rate in Missouri is $1,984 a year for a full coverage policy with coverage level of 100/300/100 for a driver age 30, according to a rate analysis by Insurance.com. That’s $377 more than the national average $1,607. For the state minimum coverage, the average annual cost in Missouri is $484.
| State minimum average annual rate | Full coverage average annual rate |
|---|---|
| $465 | $1,644 |
Compare car insurance by city in Missouri
| Car Insurance in | Blue springs, MO |
| Car Insurance in | Clifton hill, MO |
| Car Insurance in | Kansas city, MO |
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