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.

Best car insurance in Missouri
CompanyAM BestAvg. annual premiumJ.D. PowerNAICInsurance.com score
TravelersA++$1,5157970.493.62
NationwideA+$1,3617920.643.51
State FarmA++$2,0728330.73.4
Shelter InsuranceA$1,9068511.183.34
ProgressiveA+$1,9608030.653.23
AllstateA+$2,8528060.652.82
GeicoA++$3,2178190.912.81
Auto Club Enterprises (AAA)A+$2,3468112.212.5

Data refreshed as of May 2024
Read our full methodology

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.

Cheapest auto insurance in Missouri
CompanyState minimum liability50/100/50 liability100/300/100 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.

Data refreshed as of May 2024
Read our full methodology

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

Average auto insurance rates in Missouri
30
16 17 18 19 20 21 22 23 24 25 30 35 40 45 50 55 60 65 70 75
Male
Male Female
63147 - St. Louis
For a 30-year-old male
$56 State minimum
$204 Full coverage
$68 Liability only

Most & least expensive ZIP codes for auto insurance in Missouri

Most Expensive

Zip CodeCityHighest Rate
63118St. Louis$227
63136Jennings$225
63112St. Louis$225
64123Kansas City$223

Least Expensive

Zip CodeCityLowest Rate
65109Jefferson City$158
65101Jefferson City$160
65053Lohman$160
65023Centertown$161
Data refreshed as of May 2024
Read our full methodology

Missouri 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.

State minimum auto insurance coverage in Missouri, MO
Company Liability insurance premiumMonthly 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

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance cost in Missouri by age

company_name
Cheapest for teens
$4,296/yr
Learn more
company_name
Cheapest for adults
$1,345/yr
Learn more
company_name
Cheapest for seniors
$1,236/yr
Learn more

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.

Age group
Teen
Age
16
Table
Graph
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
Yearly premium

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

Data refreshed as of May 2024
Read our full methodology

Cheapest car insurance companies in Missouri by driver profile

company_name
Cheapest for at-fault accident
$1,993/yr
Learn more
company_name
Cheapest for DUI
$2,135/yr
Learn more
company_name
Cheapest for speeding ticket
$2,047/yr
Learn more

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. 

Missouri auto insurance for drivers with tickets and accidents
CompanyClean recordAccidentSpeeding 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
Auto Club Enterprises (AAA)$2,346$3,675$3,476
Allstate$2,852$4,034$3,249
Geico$3,217$6,473$3,790

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

Data refreshed as of May 2024
Read our full methodology

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.

CityAnnual insurance premium
Blue Springs
$1,945
Clifton Hill
$1,994
Kansas City
$2,155
Data refreshed as of May 2024
Read our full 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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