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.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| USAA* | A++ | $ 849 | 0.99 | 4.9 |
| Travelers | A++ | $ 1,335 | 1.03 | 4.75 |
| Auto-Owners | A++ | $ 1,613 | 0.64 | 4.74 |
| Nationwide | A+ | $ 1,097 | 0.66 | 4.6 |
| Geico | A++ | $ 2,173 | 0.77 | 4.54 |
| State Farm | A++ | $ 1,398 | 0.52 | 4.53 |
| Allstate | A+ | $ 1,732 | 0.95 | 4.34 |
| Auto Club Enterprises (AAA) | A+ | $ 2,020 | 0.92 | 4.26 |
| American Family | A | $ 1,601 | 0.57 | 4.16 |
| Progressive | A+ | $ 2,589 | 0.73 | 4.12 |
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.
| Company | State minimum | 50/100/50 liability only | 100/300/100 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.
Auto insurance calculator
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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.
| 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.
| Company | Clean record | Accident | Ticket |
|---|---|---|---|
| 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.
Methodology
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:
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.
