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Nationwide offers the cheapest auto insurance in Missouri at $1,097 per year or $91 monthly, on average. If you’re eligible, you can get cheaper rates at USAA, where the average is $849 a year. Both are below the average Missouri car insurance rate of $1,984 a year.

Cheap isn’t everything, but an Insurance.com analysis of rates, complaints, and financial stability found Travelers to be the best insurance company in Missouri, with the exception of USAA, which is only open to military families.

Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive and the coverage you select to determine your annual car insurance rate. 

Read on to compare Missouri insurance rates by company, age and more.

Key takeaways

  • Travelers is the best car insurance company in Missouri overall, with below-average rates and a low complaint ratio.
  • Nationwide is the cheapest car insurance company in Missouri for military veterans and their families at $1,097 per year.
  • Allstate has the cheapest rates for teen drivers and Nationwide has the cheapest rates for adult and senior drivers in Missouri.

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 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 $484.

Best car insurance companies in Missouri

Travelers is the best auto insurance company in Missouri for all drivers, based on a 2023 analysis by Insurance.com, with an overall rating of 4.75. 

USAA ranked a little higher, with an overall rating of 4.9, but only offers car insurance to military members and their families. 

Below is a full list of the top Missouri 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.

Best car insurance companies in Missouri
Insurance companyAM BestAverage annual rateNAIC Complaint ratioInsurance.com score
USAA*A++$ 8490.994.9
TravelersA++$ 1,3351.034.75
Auto-OwnersA++$ 1,6130.644.74
NationwideA+$ 1,0970.664.6
GeicoA++$ 2,1730.774.54
State FarmA++$ 1,3980.524.53
AllstateA+$ 1,7320.954.34
Auto Club Enterprises (AAA)A+$ 2,0200.924.26
American FamilyA$ 1,6010.574.16
ProgressiveA+$ 2,5890.734.12

USAA offers car insurance only to military members, veterans and their families.

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 with average rates of $849 annually or $71 a month for full coverage, but has limited eligibility. Nationwide is the cheapest company overall that is open to all drivers, with an average annual rate of $1,097 for full coverage in Missouri.  

CompanyState minimum50/100/50 liability only100/300/100 liability with $500 comp/coll deductible
USAA*$ 191$ 216$ 849
Nationwide$ 507$ 530$ 1,097
Travelers$ 440$ 494$ 1,335
State Farm$ 327$ 377$ 1,398
American Family$ 674$ 704$ 1,601
Auto-Owners$ 441$ 449$ 1,613
Allstate$ 483$ 555$ 1,732
Auto Club Enterprises (AAA)$ 534$ 643$ 2,020
Geico$ 471$ 561$ 2,173
Progressive$ 382$ 503$ 2,589
Kemper Insurance$ 871$ 1,049$ 5,413

USAA offers car insurance only to military members, veterans and their families.

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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.

Allstate offers the cheapest car insurance for teen drivers in Missouri at $3,649 per year for a full coverage policy. You can save more on full coverage with USAA at $2,261 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 $1,109 per year and $1,011 per year, respectively. USAA can help you save more on your car insurance, provided you are eligible. 

Cheapest car insurance by age in Missouri
Age (group) Company Group Avg. Annual Premium
Teens (16-19)USAA$ 2,261
Teens (16-19)Allstate$ 3,649
Teens (16-19)State Farm$ 3,674
Teens (16-19)Nationwide$ 3,822
Teens (16-19)Travelers$ 3,877
Teens (16-19)American Family$ 4,401
Teens (16-19)Auto-Owners$ 5,576
Teens (16-19)Geico$ 5,600
Teens (16-19)Progressive$ 8,659
Teens (16-19)Auto Club Enterprises (AAA)$ 10,200
Teens (16-19)Kemper Insurance$ 16,402
Young Adults (20-24)USAA$ 1,229
Young Adults (20-24)Nationwide$ 1,876
Young Adults (20-24)Travelers$ 1,986
Young Adults (20-24)State Farm$ 2,207
Young Adults (20-24)Allstate$ 2,218
Young Adults (20-24)American Family$ 2,364
Young Adults (20-24)Auto-Owners$ 2,699
Young Adults (20-24)Geico$ 2,765
Young Adults (20-24)Auto Club Enterprises (AAA)$ 3,929
Young Adults (20-24)Progressive$ 4,131
Young Adults (20-24)Kemper Insurance$ 9,246
Adults (25-55)USAA$ 860
Adults (25-55)Nationwide$ 1,109
Adults (25-55)Travelers$ 1,346
Adults (25-55)State Farm$ 1,415
Adults (25-55)American Family$ 1,575
Adults (25-55)Auto-Owners$ 1,658
Adults (25-55)Allstate$ 1,789
Adults (25-55)Auto Club Enterprises (AAA)$ 2,064
Adults (25-55)Geico$ 2,142
Adults (25-55)Progressive$ 2,691
Adults (25-55)Kemper Insurance$ 5,103
Seniors (60-75)USAA$ 812
Seniors (60-75)Nationwide$ 1,011
Seniors (60-75)Travelers$ 1,248
Seniors (60-75)State Farm$ 1,277
Seniors (60-75)American Family$ 1,484
Seniors (60-75)Auto-Owners$ 1,561
Seniors (60-75)Allstate$ 1,592
Seniors (60-75)Auto Club Enterprises (AAA)$ 1,900
Seniors (60-75)Geico$ 1,966
Seniors (60-75)Progressive$ 2,317
Seniors (60-75)Kemper Insurance$ 4,293

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. 

Cheapest car insurance companies for tickets and accidents in Missouri 
CompanyClean recordAccidentTicket
USAA*$ 871$ 1,169$ 1,044
Nationwide$ 1,368$ 2,153$ 1,696
Travelers$ 1,523$ 2,059$ 2,043
State Farm$ 1,637$ 1,887$ 1,762
American Family$ 1,797$ 2,539$ 2,260
Allstate$ 1,878$ 2,444$ 2,118
Auto-Owners$ 2,140$ 5,494$ 2,400
Auto Club Enterprises$ 2,514$ 3,904$ 3,581
Geico$ 2,555$ 5,370$ 2,968
Progressive$ 3,031$ 4,531$ 3,914
Kemper$ 7,116$ 10,538$ 8,340

*USAA offers car insurance only to military members, veterans and their families.


Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 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: 


  • 1 at-fault property damage accident over $2k
  • 1 at-fault property damage accident under $2k
  • At-fault bodily injury accident 
  • Single vehicle accident 


  • 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.  

Compare auto insurance rates by city in Missouri

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