/images/2018/01/23/navina-side-hustle-mid_MPfEDfV.jpg)
/images/2019/12/06/smart_strategies_to_save_money_on_car_insurance.jpg)
/authors/steve-miller-headshot.jpg)
/authors/melinda-sineriz-financebuzz.jpg)
Among Missouri's most affordable car insurance providers are USAA, State Farm, and Progressive.
Full-coverage car insurance in Missouri averages $179 per month. The national average sits at $186. Your actual premium depends on multiple factors including age, driving history, and where you live. Getting quotes from several insurers is the most reliable way to find your specific rate.
We've organized Missouri's cheapest car insurance options by coverage type, driver profile, and company below.
Affordable full-coverage car insurance in Missouri
Full-coverage insurance in Missouri runs $179 monthly on average, compared to the national average of $186. Among the state's cheapest car insurance providers, USAA, State Farm, and Progressive stand out.
| Average monthly full coverage cost | |
| Missouri average | $179 |
| National average | $186 |
| USAA | $99 |
| State Farm | $116 |
| Progressive | $135 |
| Allstate | $158 |
Affordable liability-only car insurance in Missouri
Among Missouri's most affordable liability car insurance providers, USAA, State Farm, and Progressive top the list.
Liability-only coverage in Missouri costs $93 monthly on average. Nationally, that figure is $104.
| Average monthly liability-only cost | |
| Missouri average | $93 |
| National average | $104 |
| USAA | $59 |
| State Farm | $69 |
| Progressive | $61 |
| Safeco | $91 |
Cheap car insurance in Missouri by age
Age significantly impacts insurance costs. Car insurance for teens carries the highest rates in Missouri, averaging $335 monthly for full coverage due to limited driving experience.
Premiums drop as drivers enter their 20s, averaging $232 per month for full coverage. Costs continue declining through the 30s and 40s, averaging $193 and $185 monthly, respectively.
Rates can sometimes climb again for drivers in their 60s and beyond. Missouri seniors pay $149 monthly for full coverage on average in their 60s and $148 in their 70s.
These age-related differences reflect perceived risk levels for each group, with younger drivers facing higher rates due to their inexperience and older drivers facing increases due to declining cognitive ability and other health factors.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $335 | $175 |
| 20s | $232 | $121 |
| 30s | $193 | $101 |
| 40s | $185 | $96 |
| 50s | $165 | $86 |
| 60s | $149 | $78 |
| 70s | $148 | $77 |
Get rewarded with savings for having a clean driving record.
Car insurance can be so simple. And so affordable.
Enjoy personalized policies, comprehensive coverage & more.
Drivers who switch their auto insurance and save with State Farm save $764 on average!
Cheap car insurance in Missouri for high-risk drivers
Car insurance can get expensive if you have a bad driving record. Premiums typically rise when your record includes moving violations or accidents. Below are Missouri's average costs for drivers with an accident, speeding ticket, or DUI.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $232 | $121 |
| Speeding ticket | $220 | $115 |
| DUI | $226 | $118 |
Compare low-cost car insurance after an accident
For Missouri drivers with an accident on their record, USAA, State Farm, and Progressive offer affordable coverage. Full-coverage premiums for drivers with an accident average $232 monthly.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $129 | $77 |
| State Farm | $150 | $89 |
| Progressive | $175 | $80 |
Average rate:
Compare low-cost car insurance after a speeding ticket
USAA, State Farm, and Progressive provide affordable Missouri car insurance for drivers with a speeding ticket. Full coverage costs $220 monthly on average for those with a speeding violation.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $124 | $74 |
| State Farm | $144 | $86 |
| Progressive | $166 | $75 |
Compare low-cost car insurance after DUI conviction
Missouri drivers with a DUI can find budget-friendly full coverage through USAA, State Farm, and Allstate. Full coverage for drivers with a DUI averages $226.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| USAA | $134 | $81 |
| State Farm | $158 | $94 |
| Allstate | $215 | $128 |
Cheap car insurance in Missouri by credit score
Drivers with excellent credit in Missouri pay $156 monthly on average for full coverage. Those with poor credit face steeper premiums, starting at $223 per month.
This rate gap shows how credit scores influence insurance pricing, with poor credit often leading to higher premiums due to perceived risk of non-payment.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $156 | $82 |
| Good | $172 | $90 |
| Average | $185 | $96 |
| Poor | $223 | $117 |
FAQs
Does credit score affect car insurance rates in Missouri?
Missouri allows insurers to use credit scores when setting rates, and poor credit can significantly increase your premiums compared to drivers with good credit. Insurance companies view credit as an indicator of claim likelihood, so improving your credit score over time can significantly reduce your premiums. Always compare quotes from multiple providers since each company weighs credit differently in their pricing formulas.
What makes Missouri's car insurance requirements different from other states?
Missouri's car insurance requirements are different from most states in that it's required to have both liability insurance and uninsured motorist bodily injury coverage, the latter of which isn't mandated in all states. Missouri is an at-fault state where the responsible driver must pay for damages.
How does Missouri's weather affect insurance needs?
Missouri experiences severe weather including tornadoes, hail, and thunderstorms that regularly damage vehicles. While not weather-related, deer collisions are also a major concern in rural areas. This, coupled with the state's geographic position in Tornado Alley and its frequent severe storms make comprehensive coverage particularly valuable to have in Missouri compared to states with milder climates.
Bottom line
These may be Missouri's most affordable companies, but that doesn't guarantee they'll be cheapest for your specific needs. Your best bet is gathering quotes from the best car insurance companies and comparing them on both price and service.
Data throughout provided by Insurify.
Average rate:
/images/2025/10/10/mississippi.jpg)
/images/2025/10/08/minnesota.jpg)
/images/2025/10/03/baltimore_maryland.png)
/images/2025/10/07/mackinac_bridge_michigan.png)
/images/2025/10/03/maine_featured.jpg)
/images/2025/10/06/boston_skyline.png)