Best Car Insurance in Missouri for 2024

Missouri has the sixth lowest cost of living in the United States, but unfortunately, that savings doesn’t necessarily translate to low car insurance rates. Full coverage insurance in The Show Me State costs an average of $1,901 a year, compared to the national average of $1,582.

Key takeaways

• The best car insurance in Missouri is USAA, which costs $704 per year for comprehensive coverage.
• In Missouri, drivers with a clean driving record pay an average of $158 per month.
• High-risk drivers in Missouri pay an average of $2,392 a year for full coverage.

Best car insurance companies in Missouri

The average cost of car insurance in Missouri is $1,901 a year, but drivers who use USAA or State Farm may pay significantly less. GEICO had the most expensive full-coverage car insurance on our Missouri list, with an average of $2,086 yearly, and the second most expensive minimum car insurance at an average of $786 annually.

Provider	J.D. Power customer satisfaction rating	Estimated annual full coverage	Estimated annual minimum liability coverage
USAA	890/1,000	$704/year	$215/year
Shelter	851/1,000	$1,939/year	$825/year
State Farm	833/1,000	$1,136/year	$429/year
GEICO	819/1,000	$2,086/year	$786/year
Allstate	806/1,000	$1,643/year	$764/year
Progressive	803/1,000	$1,993/year	$586/year
Travelers	797/1,000	$1,573/year	$708/year

USAA: Highest customer satisfaction

USAA earned the highest customer satisfaction rating in Missouri, an 890 out of 1,000. It is also the most affordable carrier for full and minimum coverage, costing a yearly average of $704 and $215, respectively. USAA offers standard and some specialty policies, though you may find more options with another company. However, it is only available to current and former military members and their families.

Get a quote now | USAA review

State Farm: Most affordable coverage

State Farm is the lowest-cost option for full coverage and minimum insurance available to everyone in Missouri. State Farm customers pay an average of $1,136 yearly for full coverage and $429 for the state’s minimum coverage. However, even though State Farm had the most affordable policies, it earned third place in customer satisfaction.

Get a quote now | State Farm review

GEICO: Best for high-risk drivers

GEICO was the most expensive option on our list, costing an average of $2,086 a year for full and $786 for minimum insurance. However, those with DUIs, speeding tickets, or at-fault accidents on their records may find GEICO’s coverage helpful since it can file required SR22 forms.

Get a quote now | GEICO review

Allstate: Best for new cars

Allstate has a variety of discounts for Missouri drivers, including for new vehicles, and a 25% discount if you purchase a home and auto policy together. Additionally, Allstate offers discounts for installing additional safety features or anti-theft devices on your vehicle. However, it was a more expensive option on our list of the best car insurance, charging an average of $1,643 annually.

Get a quote now | Allstate review

Progressive: Best for lowest deductible

Although Progressive is Missouri’s second most expensive option, it offers a vanishing deductible program that could help you save money overall. If Progressive customers drive without an accident during the policy term, they can reduce their deductible by $50 every six months or $100 once a year if your policy is renewed annually.

Get a quote now | Progressive review

Missouri auto insurance requirements

Missouri drivers must show proof of insurance when registering a vehicle or renewing their license plates. The minimum level of coverage required is:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 per accident for property
• Uninsured motorist coverage with $25,000 of bodily injury insurance for one person and $50,000 of bodily injury protection for two or more people

How to choose a car insurance provider in Missouri

When you’re looking for a new car insurance provider, keep a few things in mind to help you find the best carrier for your needs:

• Check financial stability: Before starting a policy with any insurance company, check its financial ability to pay claims on a website like Standard & Poor’s or AM Best. It’s also wise to check with the Missouri Department of Insurance or the National Association of Insurance Commissioners (NAIC) to confirm a company is currently licensed in Missouri.
• Check pricing and discounts: Get quotes from multiple companies to compare pricing and discounts. Ensure the policy amounts and coverage options are similar for an accurate comparison, and double-check you received all the discounts you qualify for.
• Look for good service: You want to find a company that is easy to work with, handles claims quickly, and is good at answering questions. Read online reviews and ask friends and family for recommendations.

How much does car insurance cost in Missouri?

The average cost of car insurance in Missouri is $1,901 per year for full coverage and $657 a year for minimum coverage. St. Louis drivers generally pay the most for car insurance annually in The Show Me State, an average of $2,763. Springfield drivers will likely spend the least, with an annual average of $1,791.

Missouri car insurance rates by city

The crime rate where you live can impact what you pay for insurance, along with factors such as your age, the type of car you drive, and your gender. Drivers in highly populated Kansas City spend an average of $2,180 a year on car insurance. In the nearby suburb of Blue Springs, drivers only pay an average of $2,128.

Although the cities are only about 25 minutes apart, Kansas City earned a 2 out of 100 on NeighborhoodScout’s crime index, meaning it is safer than only 2% of U.S. neighborhoods. On the other hand, Blue Springs earned an 18 out of 100, meaning it’s safer than 18% of U.S. neighborhoods. That difference is reflected, at least in part, in lower insurance rates for Blue Springs.

City	Avg. annual full-coverage premium
St. Louis	$2,763/year
Ballwin	$2,340/year
Kansas City	$2,180/year
Blue Springs	$2,128/year
Cape Girardeau	$1,971/year
Springfield	$1,791/year

Methodology

FAQs about car insurance costs in Missouri