- Best car insurance company in Missouri: Shelter Insurance
- Cheapest car insurance company in Missouri: Travelers
- 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 company in Missouri: Shelter Insurance
Shelter Insurance is the best auto insurance company in Missouri for all drivers, based on our analysis, with an overall rating of 4.54. Nationwide ranked second-best, with an overall rating of 4.12.
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 | Average annual premium | Insurance.com score |
|---|---|---|---|---|---|
| Shelter Insurance | A | 677 | 0.43 | $1,906 | 4.54 |
| Nationwide | A | 628 | 0.63 | $1,361 | 4.12 |
| Travelers | A++ | 613 | 0.52 | $1,515 | 4.11 |
| State Farm | A++ | 647 | 0.79 | $2,072 | 4.02 |
| Progressive | A+ | 638 | 0.71 | $1,960 | 3.94 |
| Auto Club Enterprises (AAA) | A+ | 651 | 1.16 | $2,346 | 3.58 |
| GEICO | A++ | 622 | 0.69 | $3,217 | 3.18 |
| Allstate | A+ | 629 | 1.1 | $2,852 | 3.09 |
| USAA | A++ | 759 | 1.18 | $1,086 | 4.5 |
Cheapest car insurance company in Missouri: Travelers
Based on a rate analysis by Insurance.com, Travelers is the cheapest full coverage auto insurance company in Missouri, with average rates of $1,687 annually or $141 a month.
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 |
|---|---|---|---|
| Travelers | $450 | $517 | $1,687 |
| GEICO | $337 | $444 | $1,861 |
| Shelter Insurance | $534 | $648 | $2,149 |
| Missouri Farm Bureau | $371 | $447 | $2,801 |
| Auto Club Enterprises (AAA) | $735 | $949 | $2,969 |
| Nationwide | $993 | $1,023 | $3,067 |
| Progressive | $682 | $883 | $3,934 |
| USAA | $256 | $290 | $1,269 |
*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 $2,410 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 $544.
Auto insurance calculator
Top 5 most & least expensive cities for auto insurance in Missouri
Most Expensive
| City | Highest annual rate | Highest monthly rate |
|---|---|---|
| Creve Coeur | $989 | $82 |
| Arnold | $986 | $82 |
| Valley Park | $981 | $82 |
| Grandview | $978 | $81 |
| Sunset Hills | $976 | $81 |
Least Expensive
| City | Lowest annual rate | Lowest monthly rate |
|---|---|---|
| Affton | $1,013 | $84 |
| Earth City | $1,022 | $85 |
| Oakville | $1,027 | $86 |
| Sugar Creek | $1,031 | $86 |
| Lemay | $1,038 | $87 |
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. Missouri’s state minimum liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. costs an average of $544 annually or $45 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 GEICO provides the cheapest state minimum liability insurance, averaging $444 annually or $37 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 |
|---|---|---|
| GEICO | $444 | $37 |
| Missouri Farm Bureau | $447 | $37 |
| Travelers | $517 | $43 |
| Shelter Insurance | $648 | $54 |
| Progressive | $883 | $74 |
| Auto Club Enterprises (AAA) | $949 | $79 |
| Nationwide | $1,023 | $85 |
| USAA | $290 | $24 |
*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.
Shelter insurance offers the cheapest car insurance rates for a 16-year-old driver in Missouri at $6,021 per year. USAA offers cheaper rates but is available only to military veterans and their families.
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, Travelers offers the cheapest car insurance for a 25-year-old and a 65-year-old driver at $1,979 per year and $1,494 per year, respectively.
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 | $4,944 | $412 |
| Shelter Insurance | $6,021 | $502 |
| Missouri Farm Bureau | $6,883 | $574 |
| Travelers | $7,093 | $591 |
| GEICO | $8,743 | $729 |
| Nationwide | $10,976 | $915 |
| Progressive | $14,130 | $1,177 |
| Auto Club Enterprises (AAA) | $15,234 | $1,270 |
*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 |
|---|---|---|---|
| GEICO | $1,861 | $3,745 | $2,193 |
| Travelers | $1,687 | $2,219 | $2,279 |
| Auto Club Enterprises (AAA) | $2,969 | $4,651 | $4,400 |
| Progressive | $3,934 | $5,307 | $4,589 |
| Nationwide | $3,067 | $4,933 | $4,677 |
| USAA | $1,269 | $1,775 | $1,524 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Missouri
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. costs, weather and more. That means where you live in Missouri will impact what you pay. Below, we've gathered Missouri car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Blue Springs | $1,945 |
Clifton Hill | $1,994 |
Kansas City | $2,155 |
Car insurance premium trends in Missouri
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premium trends in Missouri to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
We partnered with Quadrant Information Services to field average auto insurance rates in all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles.
Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:
- Bodily injury liability of $100,000 per person and $300,000 per incident
- Property damage liability of $100,000 per incident
- Comprehensive and collision deductibles of $500
- 40-year-old driver
- Honda Accord LX
- Good credit
- A clean driving record
- 12-mile commute, 10,000 annual mileage
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
- Poor credit
- DUI/DWI first offense
Tickets:
- Reckless driving
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Speeding 30+ over limit
Learn more about our data and methodology.
Compare Missouri car insurance rates with other states
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