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
- Best car insurance companies in Missouri
- USAA: Highest customer satisfaction
- State Farm: Most affordable coverage
- GEICO: Best for high-risk drivers
- Allstate: Best for new cars
- Progressive: Best for lowest deductible
- Missouri auto insurance requirements
- How to choose a car insurance provider in Missouri
- How much does car insurance cost in Missouri?
- Missouri car insurance rates by city
- FAQs about car insurance costs in Missouri
- 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.
|J.D. Power customer satisfaction rating
|Estimated annual full coverage
|Estimated annual minimum liability coverage
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.
- It offers many popular discounts, including up to 30% off using the SafePilot program
- USAA had the lowest cost for full and minimum insurance in Missouri
- You’ll likely find more policy options with a competitor
- USAA policies are not available to everyone
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.
- There are multiple State Farm agents and offices throughout Missouri
- It has many policy options, including coverage for rideshare drivers
- State Farm earned third place in customer satisfaction scores in Missouri
- You may find more discount or policy options with a competitor
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.
- GEICO has multiple policy options, like mechanical breakdown insurance for new cars
- It has multiple discount options, including multi-vehicle and good driver discounts
- GEICO had only average customer satisfaction scores
- It has only four agents in Missouri
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.
- Allstate offers multiple policy add-ons, including a vanishing deductible program
- It has multiple agents in Missouri
- Allstate was the second most expensive option in Missouri
- It had below-average customer satisfaction scores in Missouri
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.
- Progressive has standard and specialty coverages, including accident forgiveness
- It offers multiple discounts, including saving 12% on average for multi-car policies
- Progressive has the second-lowest customer satisfaction rating in Missouri
- It had the second-highest average full-coverage insurance in Missouri
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.
|Avg. annual full-coverage premium
Our analysis was conducted using six different auto insurance marketplaces to determine the best auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.
FAQs about car insurance costs in Missouri
What are the minimum car insurance coverage requirements in Missouri?
The minimum coverage required in Missouri is $25,000 per person, $50,000 per accident for bodily injury, and $25,000 for property. Drivers must also have uninsured motorist coverage of $25,000 per person and $50,000 for bodily injury per accident.
How much does car insurance cost in Missouri?
Car insurance costs an average of $1,901 yearly for full coverage and $657 for minimum car insurance.
Which car insurance companies cover Missouri?
Several car insurance companies cover Missouri, including GEICO, Progressive, State Farm, USAA, and Travelers.
What is the cheapest car insurance company in Missouri?
The cheapest car insurance in Missouri is USAA, which costs an average of $704 a year for full coverage but is only available to current and former military members and their families. State Farm is the lowest-cost option available to everyone and costs an average of $1,136 annually for full coverage.