Cheapest Auto Insurance Quotes in Missouri (2026)
Travelers has the cheapest car insurance in Missouri. At $145 per month, full coverage from Travelers is $76 per month cheaper than the state average.
Find Cheap Auto Insurance Quotes in Missouri
Best cheap car insurance in Missouri
Best and cheapest car insurance in Missouri
- Cheapest full coverage: Travelers, $145/mo
- Cheapest minimum liability: Farm Bureau, $43/mo
- Cheapest for young drivers: Farm Bureau, $121/mo
- Cheapest after a ticket: Travelers, $172/mo
- Cheapest after an accident: Travelers, $185/mo
- Cheapest for teens after a ticket: Farm Bureau, $133/mo
- Cheapest after a DUI: Travelers, $192/mo
- Cheapest for poor credit: Travelers, $242/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Travelers and USAA offer the cheapest rates in Missouri. Travelers is available to most drivers, but USAA is only available to military members and their families.
Shelter, Farm Bureau and State Farm have very strong customer service ratings. However, their rates are higher than Travelers and Geico, so shopping around may help you save.
Cheapest car insurance in Missouri: Travelers
Travelers has the cheapest full coverage car insurance in Missouri.
Find Cheap Auto Insurance Quotes in Missouri
- Travelers has the cheapest full coverage quotes for most people at $145 per month.
- Missouri drivers should also compare quotes from Geico. Full coverage from Geico will cost you an average of $180 per month.
- USAA has the absolute cheapest rates in Missouri at just $98 per month for full coverage insurance. However, only military members, veterans and some of their family members can get car insurance from USAA.
Cheapest full coverage car insurance in Missouri
Company | Monthly rate | |
|---|---|---|
| Travelers | $145 |
| Geico | $180 |
| Shelter | $186 |
| Farm Bureau | $189 |
| State Farm | $200 |
*USAA is only available to current and former military members and their families.
Data-powered research on Missouri car insurance
| Data-powered research on MO car insurance |
|---|
Best cheap liability car insurance in Missouri: Farm Bureau
Farm Bureau has the cheapest liability car insurance in Missouri at just $43 per month.
That's $32 per month cheaper than the Missouri state average, which is $76 per month.
USAA offers even more affordable rates to Missouri drivers with military ties. It has the cheapest rate by far at just $29 per month. But it's only available to drivers who have served in the military and some of their family members.
Best rates for liability car insurance in Missouri
Company | Monthly rate |
|---|---|
| Farm Bureau | $43 |
| Travelers | $50 |
| Geico | $64 |
| Progressive | $66 |
| Shelter | $68 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Missouri
Cheap car insurance in Missouri for teens: Farm Bureau
Farm Bureau has the cheapest minimum liability insurance for Missouri teens. The company has an average rate of $121 per month for an 18-year-old driver. That's $96 per month cheaper than the Missouri state average.
Travelers has the most affordable full coverage rates for teen drivers in Missouri. Full coverage from Travelers costs $385 per month, which is $214 per month cheaper than average.
Young drivers with military ties get much cheaper rates at USAA. Minimum coverage from USAA costs around $68 per month, and full coverage costs $199 per month.
Affordable auto insurance in Missouri for young drivers
Company | Liability only | Full coverage |
|---|---|---|
| Farm Bureau | $121 | $491 |
| Travelers | $139 | $385 |
| Shelter | $170 | $467 |
| Progressive | $194 | $632 |
| Geico | $195 | $479 |
*USAA is only available to current and former military members and their families.
Teen drivers pay nearly three times as much as older drivers for minimum liability car insurance in Missouri at an average of $217 per month. That's because young drivers lack experience behind the wheel, which means they're often more likely to cause a crash.
The best way for Missouri teens to save money on car insurance is by sharing a policy with their parents. A family policy is typically much cheaper than two separate policies. Plus, you can get a multi-car discount.
Many companies also have discounts geared toward young drivers. For example, State Farm's Steer Clear program offers a discount to young drivers who complete online safety courses and practice driving with an older mentor. Teen drivers can also get lower rates by maintaining good grades.
Cheap Missouri auto insurance after a speeding ticket: Travelers
Travelers has the cheapest insurance in Missouri for most drivers with a speeding ticket at $172 per month. That's $91 per month cheaper than the Missouri state average, which is $262 per month.
Lowest-priced Missouri car insurance after a ticket
Company | Monthly rate |
|---|---|
| Travelers | $172 |
| Shelter | $186 |
| Farm Bureau | $195 |
| State Farm | $216 |
| Geico | $243 |
*USAA is only available to current and former military members and their families.
Missouri car insurance rates increase by an average of 18% after one speeding ticket.
You should always shop around for insurance if your driving record changes. However, your rates typically won't increase until your policy renewal. So if you get a ticket, you should hold off on switching car insurance until your current policy is about to expire.
Cheap auto insurance in Missouri after an accident: Travelers
Travelers offers the cheapest auto insurance in Missouri for most drivers after an accident. A full coverage policy from Travelers costs $185 per month, which is $133 per month cheaper than the Missouri average.
Best car insurance quotes in Missouri after an accident
Company | Monthly rate |
|---|---|
| Travelers | $185 |
| Shelter | $231 |
| State Farm | $232 |
| Farm Bureau | $244 |
| Progressive | $320 |
*USAA is only available to current and former military members and their families.
An accident will raise car insurance rates in Missouri by around 44%. That's an average increase of $97 per month for a full coverage policy.
Cheap MO auto insurance for teens with a ticket or accident: Farm Bureau
Farm Bureau has the best rates for most 18-year-olds with a speeding ticket in Missouri. At $133 per month for minimum liability coverage, Farm Bureau is $125 per month cheaper than average for teens with a ticket.
Farm Bureau also has the most affordable car insurance in Missouri for teens with an at-fault accident on their record. A minimum liability policy from Farm Bureau costs $158 per month, which is less than half the Missouri average.
Missouri teens should also consider Travelers and Shelter after an accident. Although the rates are higher than Farm Bureau's, you may be able to get similar or lower rates if you qualify for certain discounts.
Affordable MO auto insurance quotes for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Farm Bureau | $133 | $158 |
| Shelter | $170 | $228 |
| Travelers | $171 | $201 |
| Progressive | $222 | $228 |
| State Farm | $255 | $280 |
*USAA is only available to current and former military members and their families.
Teens in Missouri can expect their rates to go up by an average of 19% after one speeding ticket, and 50% after an at-fault accident.
Cheap Missouri car insurance rates after a DUI: Travelers
Travelers has affordable auto insurance quotes for most Missouri drivers with a DUI at $192 per month for full coverage. That's $151 per month cheaper than the Missouri average, which is $343 per month.
Cheap insurance in Missouri after a DUI in Missouri
Company | Monthly rate |
|---|---|
| Travelers | $192 |
| Farm Bureau | $230 |
| Geico | $261 |
| Shelter | $262 |
| Progressive | $277 |
*USAA is only available to current and former military members and their families.
In Missouri, full coverage car insurance rates go up by $122 per month after a DUI. That's because driving under the influence is very dangerous. Insurance companies believe drivers with a DUI are more likely to cause an accident, making them more expensive to cover.
Missouri drivers with a DUI may also need SR-22 insurance. It typically costs between $15 and $50 per year for an insurance company to file an SR-22 form on your behalf.
Cheap car insurance in MO for drivers with poor credit: Travelers
Travelers has the best car insurance rates in Missouri for most drivers with poor credit. A full coverage policy from Travelers costs $242 per month, which is $216 per month cheaper per month than the state average. It's also $35 per month less than the second-cheapest company, Geico.
USAA is also cheap, but it's only available to current and former military members and their families. However, qualifying Missourians with poor credit can get coverage for $177 per month.
Cheapest Missouri auto insurance quotes for drivers with bad credit
Company | Monthly rate |
|---|---|
| Travelers | $242 |
| Geico | $277 |
| Farm Bureau | $318 |
| Progressive | $385 |
| Shelter | $425 |
*USAA is only available to current and former military members and their families.
Missouri drivers with a bad credit score pay twice as much for car insurance. Insurance companies use your credit score when deciding your rates because drivers with poor credit tend to file insurance claims more often.
Best car insurance in Missouri
USAA has the best auto insurance in Missouri based on its excellent customer service and affordable quotes.
USAA customers are typically happy with the service they get after an accident. The company regularly earns the top score on J.D. Power's claims satisfaction survey.
In addition, it has some of the cheapest insurance quotes in Missouri. The biggest downside is that it's only available to people in the military, veterans and their family members.
If you don't qualify for USAA insurance, Shelter and State Farm may be good choices. Both companies get great customer service ratings and, while their rates aren't the cheapest, you may still be able to save by using certain car insurance discounts on your policy.
If you're trying to get the cheapest rates, Travelers and Geico offer the lowest prices but have lower customer service ratings.
Top auto insurance companies in Missouri
Company |
Editor's rating
|
JD Power
|
AM Best
|
|---|---|---|---|
| USAA | 735 | A++ | |
| State Farm | 650 | A++ | |
| Farm Bureau | 645 | A | |
| Shelter | 669 | A | |
| Farmers | 622 | A |
Average cost of car insurance by city
St. Martins, part of the Jefferson City metro area, has the cheapest car insurance in Missouri.
Drivers in St. Martins pay an average of $188 per month for full coverage insurance.
Pine Lawn has the most expensive car insurance in the state at $362 per year.
Full coverage Missouri car insurance rates
City | Monthly Rate | % from average |
|---|---|---|
| Adrian | $213 | -4% |
| Advance | $206 | -7% |
| Affton | $234 | 5% |
| Agency | $209 | -6% |
| Airport Drive | $198 | -10% |
The average price of full coverage insurance in Missouri varies by $173 per month, depending on the city you live in.
Insurance companies consider where you live when setting your rates because certain areas — often big cities — have more accidents and car thefts. People who live in these areas are more likely to file a claim in the future, making them more expensive to insure.
What auto insurance does Missouri require?
Missouri drivers must have a minimum amount of liability coverage to to avoid penalties and legally drive on public roads. This requirement is sometimes written as 25/50/25. Missouri also requires uninsured and motorist coverage, which helps pay your medical bills if you're hit by a driver who doesn't enough insurance.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured motorist bodily injury liability: $25,000 per person and $50,000 per accident
If you drive without insurance in Missouri, you could face serious consequences.
If you're pulled over or involved in an accident and don't have insurance, you could lose your driver's license, and the officer may have your car towed. To get your driving privileges back, you'll need to get an insurance policy and pay a $20 reinstatement fee. However, this fee increases if it's your second or third time being pulled over without insurance.
What's the best car insurance coverage for MO drivers?
A full coverage policy is the best choice for most Missouri drivers.
Full coverage includes:
- Collision coverage, which pays for damage to your own car after an accident, regardless of whose fault it is.
- Comprehensive coverage, which pays for other types of damage, like weather damage and theft.
- Liability protection, which pays to fix someone else's car if you cause a crash. It also helps cover their medical bills, if there are any.
In addition to protecting your car, full coverage insurance also includes higher liability limits than the state requires. That is important if you cause a major accident. The minimum requirements may not be high enough to cover all of the medical bills and expenses of a serious crash.
Lenders usually require you to get full coverage if you have a car loan or lease. You should also consider full coverage if your car is worth more than $5,000 or is newer than eight years old.
If you drive for a rideshare company, it's important to get a separate rideshare insurance policy.
That's because Missouri law allows insurance companies to deny you coverage if you're in an accident while working as a rideshare driver — even if you don't have passengers and haven't accepted a ride.
Frequently asked questions
Who has the cheapest car insurance in Missouri?
Travelers has the cheapest full coverage car insurance in Missouri. Travelers charges around $145 per month for full coverage car insurance. Farm Bureau has the cheapest minimum coverage insurance at $43 per month for a minimum liability policy. USAA has the cheapest rates for drivers with military ties at $98 per month for full coverage and $29 per month for liability-only insurance.
How much is car insurance in Missouri per month?
Full coverage auto insurance in Missouri costs $221 per month, on average. Minimum liability quotes average $76 per month.
How much is auto insurance in St. Louis, MO?
The average cost of full coverage car insurance in St. Louis, Missouri is $306 per month. That's $85 per month higher than the state average. In comparison, insurance in Kansas City costs an average of $259 per month.
Methodology
To find the best cheap Missouri car insurance, ValuePenguin collected thousands of quotes from ZIP codes across Missouri for the largest insurance companies in the state. Quotes are for a 30-year-old man with good credit who drives a 2018 Honda Civic EX.
Full coverage rates include comprehensive and collision coverage along with higher liability limits than required by the state.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Senior Writer
Lindsay Bishop is a Senior Writer at ValuePenguin, where she educates readers about home, auto, renters, flood and motorcycle insurance.
Lindsay began her career in the insurance and financial industry in 2010. She was a licensed auto, home, life and health insurance agent and held Series 6 and 63 financial licenses.
After a hiatus from the financial sector, Lindsay returned to the industry as a content writer for ValuePenguin in 2021. She enjoys having the opportunity to help readers make smart decisions about their insurance so they can be prepared for anything life throws their way.
When Lindsay isn't writing about insurance, you can find her spending time with family, enjoying the outdoors on Sunday long runs or riding her Peloton.
How insurance helped Lindsay
As a homeowner for 15 years located in South Carolina, Lindsay has plenty of experience navigating the coastal insurance market and managing the claims process. That includes successfully negotiating a full roof replacement claim.
Expertise
- Home insurance
- Car insurance
- Flood insurance
- Renters insurance
- Motorcycle insurance
Referenced by
- CNBC
- Yahoo Finance
- Miami Herald
Education
- BS/BA Economics, University of Nevada Las Vegas
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
