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United Svcs Automobile offers the cheapest auto insurance rates in Missouri at about $731 a year or $61 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.

Best auto insurance companies in Missouri

Based on Insurance.com's rate analysis, Allstate is our top pick for the best auto insurance company in Missouri. It has earned 5.0 auto star rating, highest among the carriers surveyed. Apart from Allstate, Geico, Travelers, Safeco and Progressive 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.

CompanyAuto star ratings
Allstate5.0
Geico4.9
Travelers4.0
Safeco3.9
Progressive3.8
The General3.8
Liberty Mutual3.7
American Family3.4

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, United Svcs Automobile is the cheapest auto insurance company in Missouri that offers insurance policies at $731 annually or $61 a month, on average.

CompanyAverage annual premiumAverage monthly premium
United Svcs Automobile Assn$731$61
GEICO Casualty Co$955$80
Nationwide General$1,025$85
Standard Fire$1,104$92
Progressive Casualty$1,277$106
American Family$1,298$108
State Farm Mutl Automobile Ins$1,315$110
Owners$1,450$121
Allstate F&C$1,492$124
Automobile Club Inter-Ins$1,918$160
Metropolitan P&C$2,845$237
Alpha P&C$4,321$360

Cheapest car insurance cost in Missouri for teens

State Farm is the cheapest car insurance company in Missouri for teen drivers. Its average annual premium for teenagers is $3,708 or $309 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.

CompanyAverage annual premium
State Farm Mut Auto$3,708
Allstate Fire & Cas$4,291
Geico Cas Co$5,103
Amco$5,357
Progressive Cas$8,789
Farmers Inc$9,423

Cheapest car insurance cost in Missouri for young adults

State Farm is the cheapest car insurance company in Missouri for young adults, based on Insurance.com's rate analysis. Its average annual premium is $2,189 or $182 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.

CompanyAverage annual premium
State Farm Mut Auto$2,189
Amco$2,342
Allstate Fire & Cas$2,477
Geico Cas Co$2,712
Farmers Inc$2,847
Progressive Cas$3,170

Cheapest car insurance cost in Missouri for adults

Amco is the cheapest car insurance company in Missouri for adults. Its average annual premium is $1,196 or $100 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.

CompanyAverage annual premium
Amco$1,196
State Farm Mut Auto$1,388
Progressive Cas$1,835
Allstate Fire & Cas$1,926
Farmers Inc$1,961
Geico Cas Co$2,075

Cheapest car insurance cost in Missouri for seniors

Amco is the cheapest auto insurance company for senior drivers in Missouri. Its average annual premium is $1,086 or $91 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.

CompanyAverage annual premium
Amco$1,086
State Farm Mut Auto$1,269
Progressive Cas$1,492
Allstate Fire & Cas$1,777
Farmers Inc$1,809
Geico Cas Co$2,007

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: Nationwide

Nationwide is the cheapest car insurance company for drivers a with poor credit score. Its average annual premium is $1,617 or $135 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

CompanyAverage annual premium
Nationwide$1,617
United$1,631
State Farm$2,438
Standard Fire$2,481
Progressive$2,821
American Family$2,904
Allstate$3,183
Geico$3,286
Owners$3,295
Automobile Club Inter-Ins$6,249
Metropolitan$6,767
Alpha P&C$7,446

Cheapest auto insurance for drivers with a speeding tickets: United

United is the cheapest car insurance company for drivers with a speeding ticket. Its average annual rate for Missouri drivers is $1,093, 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.

CompanyAverage annual premium
United$1,093
State Farm$1,500
Nationwide$1,688
Standard Fire$1,783
Progressive$2,070
Allstate$2,082
American Family$2,086
Owners$2,327
Geico$2,484
Automobile Club Inter-Ins$2,833
Metropolitan$4,417
Alpha P&C$7,406

Cheapest auto insurance after at-fault accident: United

United 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 $1,201. 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.

CompanyAverage annual premium
United$1,201
State Farm$1,592
American Family$1,681
Standard Fire$1,771
Nationwide$1,785
Allstate$2,390
Progressive$2,526
Automobile Club Inter-Ins$2,980
Owners$3,962
Geico$4,455
Metropolitan$5,055
Alpha P&C$9,076

Cheapest auto insurance after a DUI: State Farm

The cheapest car insurance company for drivers with a DUI is State Farm. Its average premium cost is $1,500 or $125 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.

CompanyAverage annual premium
State Farm$1,500
United$1,567
Standard Fire$1,857
Progressive$1,914
American Family$2,086
Nationwide$2,241
Allstate$2,366
Automobile Club Inter-Ins$2,935
Owners$3,533
Geico$3,748
Metropolitan$6,307
Alpha P&C$6,417

Average cost of car insurance in Missouri

The average car insurance rate in Missouri is $1,644 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 $188 more than the national average $1,456. For the state minimum coverage, the average annual cost in Missouri is $465.

State minimum average annual rateFull coverage average annual rate
$465$1,644