- Best car insurance companies in Missouri: Travelers
- Cheapest car insurance companies in Missouri: Nationwide
- Average cost of car insurance in Missouri
- Missouri car insurance requirements
- Cheapest car insurance companies for minimum liability coverage in Missouri
- Cheapest car insurance cost in Missouri by age
- Cheapest car insurance companies in Missouri by driver profile
- Compare auto insurance rates by city in Missouri
- Car insurance premium trends in Missouri
- Methodology
- Compare Missouri car insurance rates with other states
Best car insurance companies in Missouri: Travelers
Travelers is the best auto insurance company in Missouri for all drivers, based on a data analysis by Insurance.com, with an overall rating of 3.62. Nationwide ranked second-best, with an overall rating of 3.51.
Below is a full list of the top Missouri auto insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Company | AM Best | JD Power | NAIC | Insurance.com score | Average annual premium |
|---|---|---|---|---|---|
| Travelers | A++ | 797 | 0.49 | 3.62 | $1,515 |
| Nationwide | A+ | 792 | 0.64 | 3.51 | $1,361 |
| State Farm | A++ | 833 | 0.7 | 3.4 | $2,072 |
| Shelter Insurance | A | 851 | 1.18 | 3.34 | $1,906 |
| Progressive | A+ | 803 | 0.65 | 3.23 | $1,960 |
| Allstate | A+ | 806 | 0.65 | 2.82 | $2,852 |
| Geico | A++ | 819 | 0.91 | 2.81 | $3,217 |
| Auto Club Enterprises (AAA) | A+ | 811 | 2.21 | 2.5 | $2,346 |
Cheapest car insurance companies in Missouri: Nationwide
Based on a rate analysis by Insurance.com, USAA is the cheapest full coverage auto insurance company in Missouri, with average rates of $1,086 annually or $90 a month, but has limited eligibility. Nationwide offers the cheapest full coverage car insurance in Missouri overall which is open to all drivers, with an average annual rate of $1,361.
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.
| Company | State minimum liability | 50/100/50 liability | 100/300/100 liability with $500 deductible |
|---|---|---|---|
| USAA | $231 | $262 | $1,086 |
| Nationwide | $497 | $518 | $1,361 |
| Travelers | $454 | $525 | $1,515 |
| Missouri Farm Bureau Grp | $290 | $349 | $1,845 |
| Shelter Insurance | $489 | $593 | $1,906 |
| Progressive | $389 | $479 | $1,960 |
| State Farm | $445 | $521 | $2,072 |
| Auto Club Enterprises (AAA) | $663 | $835 | $2,346 |
| Allstate | $748 | $896 | $2,852 |
| Geico | $765 | $931 | $3,217 |
*USAA offers car insurance only to military members, veterans and their families.
Average cost of car insurance in Missouri
The average car insurance cost in Missouri is $1,982 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Missouri is $488.
Auto insurance calculator
Most & least expensive ZIP codes for auto insurance in Missouri
Most Expensive
| ZIP code | City | Highest rate |
|---|---|---|
| 63118 | St. Louis | $227 |
| 63136 | Jennings | $225 |
| 63112 | St. Louis | $225 |
| 64123 | Kansas City | $223 |
Least Expensive
| ZIP code | City | Lowest rate |
|---|---|---|
| 65109 | Jefferson City | $158 |
| 65101 | Jefferson City | $160 |
| 65053 | Lohman | $160 |
| 65023 | Centertown | $161 |
The Missouri Department of Insurance says...
Try not to buy automobile insurance and health/accident insurance that pay for the same things. Compare your policies and consult with your agent or broker before purchasing additional coverage.
- The Missouri Department of InsuranceMissouri car insurance requirements
In Missouri, you need a minimum of 25/50/25 liability car insurance coverage. Ohio’s state minimum liability insurance costs an average of $831 annually or $69 monthly.
Minimum liability insurance requirements for Missouri:
- Bodily injury liability (BI): $25,000 per person and $50,000 for accident
- Property damage liability (PD): $25,000 per person
- Uninsured/underinsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident
Cheapest car insurance companies for minimum liability coverage in Missouri
According to Insurance.com data, the Missouri Farm Bureau provides the cheapest state minimum liability insurance, averaging $290 annually or $24 monthly. USAA offers cheaper rates but has eligibility criteria.
Below is the list of Missouri's most affordable car insurance companies with their state minimum coverage rates.
| Company | Liability insurance premium | Monthly liability insurance premium |
|---|---|---|
| USAA* | $230 | $19 |
| Missouri Farm Bureau | $290 | $24 |
| Progressive | $378 | $31 |
| State Farm | $446 | $37 |
| Travelers | $461 | $38 |
| Nationwide | $486 | $41 |
| Shelter Insurance | $489 | $41 |
| Auto Club Enterprises (AAA) | $667 | $56 |
| Geico | $733 | $61 |
| Allstate | $754 | $63 |
*USAA offers coverage only to military veterans and their family
Cheapest car insurance cost in Missouri by age
In Missouri, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.
Travelers offer the cheapest car insurance for teen drivers in Missouri at $4,296 per year for a full coverage policy. You can save more on full coverage with USAA at $3,061 per year if you are eligible.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Missouri, Nationwide offers the cheapest full coverage car insurance for adult drivers (25-55 year-olds) and senior drivers (60-75 year-olds) at $1,345 per year and $1,236 per year, respectively. USAA can help you save more on your car insurance, provided you are eligible.
Compare car insurance rates by age
Select your age group and age below to see the insurance company and its
average annual and average monthly premium rates.
| USAA | $4,326 | $361 |
| Missouri Farm Bureau Grp | $4,616 | $385 |
| Shelter Insurance | $4,946 | $412 |
| Nationwide | $5,235 | $436 |
| Travelers | $5,704 | $475 |
| State Farm | $6,352 | $529 |
| Geico | $10,550 | $879 |
| Allstate | $11,736 | $978 |
| Progressive | $11,889 | $991 |
| Auto Club Enterprises (AAA) | $12,049 | $1,004 |
*USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Missouri by driver profile
Drivers who have accidents or tickets are considered a higher risk and will pay more for car insurance.
However, the severity and frequency of the incidents will also play a role in insurance rates. For instance, drivers with a single minor accident will see a smaller increase in their rates compared to those with multiple major accidents.
Below are average Missouri rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Speeding ticket |
|---|---|---|---|
| USAA | $1,086 | $1,520 | $1,305 |
| Travelers | $1,515 | $1,993 | $2,047 |
| Nationwide | $1,361 | $2,189 | $2,076 |
| State Farm | $2,072 | $2,412 | $2,242 |
| Progressive | $1,960 | $2,644 | $2,286 |
| Allstate | $2,852 | $4,034 | $3,249 |
| Auto Club Enterprises (AAA) | $2,346 | $3,675 | $3,476 |
| Geico | $3,217 | $6,473 | $3,790 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Missouri
Auto insurance rates in your city can differ significantly from the state average due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers to find the most competitive rates for your specific city in Missouri.
| City | Annual insurance premium |
|---|---|
Blue Springs | $1,945 |
Clifton Hill | $1,994 |
Kansas City | $2,155 |
Car insurance premium trends in Missouri
Car insurance average rates increase most years and various factors contribute to these changes, including shifts in economic conditions, changes in state laws, and the number and severity of insurance claims.
That's why it's important to keep track of car insurance premiums to make better decisions. The graph below shows how insurance rates in Missouri have increased or decreased from 2020 to 2023.
Whether you're planning to renew your policy with your current insurer or looking for a new one, this analysis is invaluable for making informed insurance choices.
Methodology
Insurance.com commissioned Quadrant Information Services in 2023 to field rates from major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving a 2023 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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