The Cheapest Car Insurance in Missouri for July 2024
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Auto insurance is an important purchase, but finding cheap car insurance in Missouri isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.
The cheapest car insurance company in Missouri is American Family at $1,396 per year on average, or $116 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Missouri. Meanwhile, the average cost of full coverage car insurance in Missouri is $1,967 per year, or about $164 per month.
Did your rates go up? Auto insurance prices are on the rise in Missouri. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
Minimum coverage in Missouri is $506 per year on average, but we found you can likely get a cheaper policy. For example, Geico offers the cheapest rates in Missouri at $310 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.If you’re looking for the cheapest car insurance in your area, NerdWallet analyzed rates for some of the largest Missouri cities, including:
How we chose the cheapest companies in Missouri
NerdWallet’s editorial team analyzed car insurance rates from 16 auto insurers in Missouri and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Missouri. For full coverage, we used the below coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
Cheapest for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Cheapest full coverage car insurance in Missouri for 20-year-olds
Drivers in Missouri with clean driving records may want to consider the following companies, which had the lowest average rates:
- Travelers: $2,231 per year, or about $186 per month.
- Shelter: $2,861 per year, or about $238 per month.
- American Family: $2,964 per year, or about $247 per month.
- Geico: $3,100 per year, or about $258 per month.
- Progressive: $3,303 per year, or about $275 per month.
Cheapest minimum coverage car insurance in Missouri for 20-year-olds
Drivers in Missouri who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
- Travelers: $547 per year, or about $46 per month.
- Geico: $698 per year, or about $58 per month.
- Progressive: $716 per year, or about $60 per month.
- Missouri Farm Bureau: $802 per year, or about $67 per month.
- Shelter: $853 per year, or about $71 per month.
Cheapest auto insurance in Missouri for 20-year-olds with poor credit
Drivers with poor credit in Missouri should look at the following insurers with the lowest average rates for minimum coverage:
- Travelers: $781 per year, or about $65 per month.
- Geico: $894 per year, or about $75 per month.
- Progressive: $1,115 per year, or about $93 per month.
- Columbia: $1,198 per year, or about $100 per month.
- Missouri Farm Bureau: $1,371 per year, or about $114 per month.
Cheapest auto insurance in Missouri for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Missouri, here are the companies with the lowest average rates for minimum coverage:
- Travelers: $632 per year, or about $53 per month.
- Geico: $770 per year, or about $64 per month.
- Progressive: $800 per year, or about $67 per month.
- Missouri Farm Bureau: $845 per year, or about $70 per month.
- Shelter: $1,001 per year, or about $83 per month.
Cheapest auto insurance in Missouri for 20-year-old drivers with one at-fault crash
For drivers with a recent accident in Missouri, here are the companies with the lowest average rates for minimum coverage:
- Travelers: $678 per year, or about $57 per month.
- Progressive: $821 per year, or about $68 per month.
- Missouri Farm Bureau: $893 per year, or about $74 per month.
- Geico: $919 per year, or about $77 per month.
- Electric Insurance: $1,086 per year, or about $91 per month.
Cheapest auto insurance in Missouri for 20-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.
- Travelers: $720 per year, or about $60 per month.
- Progressive: $780 per year, or about $65 per month.
- Electric Insurance: $1,071 per year, or about $89 per month.
- Missouri Farm Bureau: $1,077 per year, or about $90 per month.
- Shelter: $1,340 per year, or about $112 per month.
Cheapest for 30-year-old drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Cheapest full coverage car insurance in Missouri for 30-year-olds
Drivers in Missouri who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- Travelers: $1,448 per year, or about $121 per month.
- American Family: $1,456 per year, or about $121 per month.
- Geico: $1,575 per year, or about $131 per month.
- Missouri Farm Bureau: $1,650 per year, or about $138 per month.
- Shelter: $1,895 per year, or about $158 per month.
Cheapest minimum coverage car insurance in Missouri for 30-year-olds
Drivers in Missouri who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
- Geico: $310 per year, or about $26 per month.
- Missouri Farm Bureau: $322 per year, or about $27 per month.
- Progressive: $352 per year, or about $29 per month.
- Travelers: $381 per year, or about $32 per month.
- Columbia: $386 per year, or about $32 per month.
Cheapest auto insurance in Missouri for 30-year-olds with poor credit
Drivers with poor credit in Missouri should consider the following companies with the lowest average rates for full coverage:
- Geico: $1,726 per year, or about $144 per month.
- Travelers: $2,319 per year, or about $193 per month.
- Columbia: $2,364 per year, or about $197 per month.
- American Family: $2,518 per year, or about $210 per month.
- Missouri Farm Bureau: $2,778 per year, or about $232 per month.
Cheapest auto insurance in Missouri for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Missouri, here are the companies with the lowest average rates for minimum coverage:
- Missouri Farm Bureau: $340 per year, or about $28 per month.
- Geico: $357 per year, or about $30 per month.
- Travelers: $427 per year, or about $36 per month.
- Progressive: $427 per year, or about $36 per month.
- Columbia: $438 per year, or about $37 per month.
Cheapest auto insurance in Missouri for 30-year-old drivers with one at-fault crash
For drivers in Missouri with a recent accident, here are the lowest average rate options for full coverage:
- Travelers: $1,701 per year, or about $142 per month.
- Missouri Farm Bureau: $1,776 per year, or about $148 per month.
- Electric Insurance: $2,117 per year, or about $176 per month.
- Geico: $2,197 per year, or about $183 per month.
- American Family: $2,282 per year, or about $190 per month.
Cheapest auto insurance in Missouri for 30-year-old drivers after a DUI
For the cheapest auto insurance after a DUI, we found the following options for full coverage.
- Travelers: $1,788 per year, or about $149 per month.
- Missouri Farm Bureau: $2,013 per year, or about $168 per month.
- Electric Insurance: $2,113 per year, or about $176 per month.
- Progressive: $2,123 per year, or about $177 per month.
- American Family: $2,134 per year, or about $178 per month.
Cheapest for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.
Cheapest full coverage car insurance in Missouri for 40-year-olds
Drivers in Missouri with clean driving records may want to think about the following companies, which had the lowest average rates:
- Travelers: $1,295 per year, or about $108 per month.
- American Family: $1,334 per year, or about $111 per month.
- Shelter: $1,481 per year, or about $123 per month.
- Geico: $1,537 per year, or about $128 per month.
- Missouri Farm Bureau: $1,650 per year, or about $138 per month.
Cheapest minimum coverage car insurance in Missouri for 40-year-olds
Drivers in Missouri who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:
- Geico: $310 per year, or about $26 per month.
- Missouri Farm Bureau: $322 per year, or about $27 per month.
- Progressive: $328 per year, or about $27 per month.
- Travelers: $359 per year, or about $30 per month.
- Columbia: $374 per year, or about $31 per month.
Cheapest auto insurance in Missouri for 40-year-olds with poor credit
Drivers with poor credit in Missouri can check out the following insurers with the lowest average rates for full coverage:
- Geico: $1,685 per year, or about $140 per month.
- Travelers: $2,068 per year, or about $172 per month.
- Columbia: $2,172 per year, or about $181 per month.
- American Family: $2,301 per year, or about $192 per month.
- Missouri Farm Bureau: $2,778 per year, or about $232 per month.
Cheapest auto insurance in Missouri for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Missouri, here are the companies with the lowest average rates for minimum coverage:
- Missouri Farm Bureau: $340 per year, or about $28 per month.
- Geico: $357 per year, or about $30 per month.
- Progressive: $400 per year, or about $33 per month.
- Travelers: $419 per year, or about $35 per month.
- Columbia: $424 per year, or about $35 per month.
Cheapest auto insurance in Missouri for 40-year-old drivers with one at-fault crash
For drivers with a recent accident living in Missouri, here are the companies with the lowest average rates for full coverage:
- Travelers: $1,591 per year, or about $133 per month.
- Missouri Farm Bureau: $1,776 per year, or about $148 per month.
- Shelter: $1,959 per year, or about $163 per month.
- Electric Insurance: $2,001 per year, or about $167 per month.
- Geico: $2,152 per year, or about $179 per month.
Cheapest auto insurance in Missouri for 40-year-old drivers after a DUI
The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.
- Travelers: $1,673 per year, or about $139 per month.
- Progressive: $1,904 per year, or about $159 per month.
- Electric Insurance: $2,013 per year, or about $168 per month.
- Missouri Farm Bureau: $2,013 per year, or about $168 per month.
- American Family: $2,134 per year, or about $178 per month.
Cheapest for 50-year-old drivers
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Cheapest full coverage car insurance in Missouri for 50-year-olds
Drivers in Missouri with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
- American Family: $1,227 per year, or about $102 per month.
- Travelers: $1,253 per year, or about $104 per month.
- Shelter: $1,264 per year, or about $105 per month.
- Progressive: $1,539 per year, or about $128 per month.
- Missouri Farm Bureau: $1,552 per year, or about $129 per month.
Cheapest minimum coverage car insurance in Missouri for 50-year-olds
Drivers in Missouri who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:
- Missouri Farm Bureau: $292 per year, or about $24 per month.
- Progressive: $306 per year, or about $25 per month.
- Geico: $337 per year, or about $28 per month.
- Columbia: $352 per year, or about $29 per month.
- Travelers: $359 per year, or about $30 per month.
Cheapest auto insurance in Missouri for 50-year-olds with poor credit
Drivers with poor credit in Missouri can check with the following companies, which showed the lowest average rates for full coverage:
- Geico: $1,764 per year, or about $147 per month.
- Travelers: $2,010 per year, or about $168 per month.
- Columbia: $2,016 per year, or about $168 per month.
- American Family: $2,109 per year, or about $176 per month.
- Progressive: $2,604 per year, or about $217 per month.
Cheapest auto insurance in Missouri for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Missouri, here are the companies with the lowest average rates for minimum coverage:
- Missouri Farm Bureau: $308 per year, or about $26 per month.
- Progressive: $375 per year, or about $31 per month.
- Geico: $388 per year, or about $32 per month.
- Columbia: $400 per year, or about $33 per month.
- Travelers: $419 per year, or about $35 per month.
Cheapest auto insurance in Missouri for 50-year-old drivers with one at-fault crash
For drivers living in Missouri with a recent accident, here are the insurers with the lowest average full coverage rates:
- Travelers: $1,549 per year, or about $129 per month.
- Missouri Farm Bureau: $1,667 per year, or about $139 per month.
- Shelter: $1,699 per year, or about $142 per month.
- Electric Insurance: $1,792 per year, or about $149 per month.
- American Family: $2,035 per year, or about $170 per month.
Cheapest auto insurance in Missouri for 50-year-old drivers after a DUI
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.
- Travelers: $1,629 per year, or about $136 per month.
- Progressive: $1,733 per year, or about $144 per month.
- Electric Insurance: $1,809 per year, or about $151 per month.
- Missouri Farm Bureau: $1,892 per year, or about $158 per month.
- Shelter: $1,921 per year, or about $160 per month.
Cheapest for 60-year-old drivers
Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.
Cheapest full coverage car insurance in Missouri for 60-year-olds
Drivers in Missouri with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Travelers: $1,138 per year, or about $95 per month.
- American Family: $1,176 per year, or about $98 per month.
- Shelter: $1,222 per year, or about $102 per month.
- Progressive: $1,444 per year, or about $120 per month.
- Missouri Farm Bureau: $1,552 per year, or about $129 per month.
Cheapest minimum coverage car insurance in Missouri for 60-year-olds
Drivers in Missouri who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- Missouri Farm Bureau: $292 per year, or about $24 per month.
- Progressive: $297 per year, or about $25 per month.
- Geico: $337 per year, or about $28 per month.
- Travelers: $351 per year, or about $29 per month.
- Columbia: $362 per year, or about $30 per month.
Cheapest auto insurance in Missouri for 60-year-olds with poor credit
Drivers with poor credit in Missouri can look at the following companies with the lowest average rates for full coverage:
- Geico: $1,767 per year, or about $147 per month.
- Travelers: $1,825 per year, or about $152 per month.
- American Family: $2,032 per year, or about $169 per month.
- Columbia: $2,076 per year, or about $173 per month.
- Progressive: $2,436 per year, or about $203 per month.
Cheapest auto insurance in Missouri for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Missouri, here are the companies with the lowest average rates for minimum coverage:
- Missouri Farm Bureau: $308 per year, or about $26 per month.
- Progressive: $367 per year, or about $31 per month.
- Geico: $388 per year, or about $32 per month.
- Columbia: $410 per year, or about $34 per month.
- Travelers: $419 per year, or about $35 per month.
Cheapest auto insurance in Missouri for 60-year-old drivers with one at-fault crash
For drivers with a recent accident living in Missouri, here are the companies with the lowest average rates for full coverage:
- Travelers: $1,468 per year, or about $122 per month.
- Shelter: $1,643 per year, or about $137 per month.
- Missouri Farm Bureau: $1,667 per year, or about $139 per month.
- Electric Insurance: $1,715 per year, or about $143 per month.
- Progressive: $1,982 per year, or about $165 per month.
Cheapest auto insurance in Missouri for 60-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- Travelers: $1,548 per year, or about $129 per month.
- Progressive: $1,633 per year, or about $136 per month.
- Electric Insurance: $1,738 per year, or about $145 per month.
- Shelter: $1,857 per year, or about $155 per month.
- Missouri Farm Bureau: $1,892 per year, or about $158 per month.
Cheapest for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in Missouri for 70-year-olds
Drivers in Missouri with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
- Travelers: $1,183 per year, or about $99 per month.
- American Family: $1,292 per year, or about $108 per month.
- Shelter: $1,351 per year, or about $113 per month.
- Progressive: $1,467 per year, or about $122 per month.
- Missouri Farm Bureau: $1,504 per year, or about $125 per month.
Cheapest minimum coverage car insurance in Missouri for 70-year-olds
Drivers in Missouri who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
- Missouri Farm Bureau: $307 per year, or about $26 per month.
- Progressive: $326 per year, or about $27 per month.
- Columbia: $362 per year, or about $30 per month.
- Travelers: $386 per year, or about $32 per month.
- Geico: $404 per year, or about $34 per month.
Cheapest auto insurance in Missouri for 70-year-olds with poor credit
Drivers with poor credit in Missouri can look at the following companies with the lowest average rates for full coverage:
- Geico: $1,984 per year, or about $165 per month.
- Travelers: $1,996 per year, or about $166 per month.
- Columbia: $2,010 per year, or about $168 per month.
- American Family: $2,252 per year, or about $188 per month.
- Progressive: $2,473 per year, or about $206 per month.
Cheapest auto insurance in Missouri for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Missouri, here are the companies with the lowest average rates for minimum coverage:
- Missouri Farm Bureau: $324 per year, or about $27 per month.
- Columbia: $410 per year, or about $34 per month.
- Progressive: $416 per year, or about $35 per month.
- Geico: $466 per year, or about $39 per month.
- Travelers: $477 per year, or about $40 per month.
Cheapest auto insurance in Missouri for 70-year-old drivers with one at-fault crash
For drivers with a recent accident living in Missouri, here are the companies with the lowest average rates for full coverage:
- Travelers: $1,583 per year, or about $132 per month.
- Missouri Farm Bureau: $1,615 per year, or about $135 per month.
- Shelter: $1,827 per year, or about $152 per month.
- Electric Insurance: $1,867 per year, or about $156 per month.
- Progressive: $2,124 per year, or about $177 per month.
Cheapest auto insurance in Missouri for 70-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.
- Progressive: $1,669 per year, or about $139 per month.
- Travelers: $1,677 per year, or about $140 per month.
- Missouri Farm Bureau: $1,842 per year, or about $154 per month.
- Electric Insurance: $1,900 per year, or about $158 per month.
- Shelter: $2,069 per year, or about $172 per month.
Cheapest car insurance for military families
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 66 of the 70 driver profiles we examined.
Minimum required auto insurance in Missouri
Missouri law requires drivers to carry liability insurance and uninsured motorist bodily injury coverage in the following amounts:
$25,000 bodily injury liability per person.
$50,000 bodily injury liability per crash.
$25,000 property damage liability per crash.
$25,000 uninsured motorist coverage per person.
$50,000 uninsured motorist coverage per accident.
While these limits will satisfy legal requirements, it’s wise for most drivers to get more than the bare essentials. The minimum car insurance might not be enough to fully cover accident costs, and the remaining balance would have to come out of your own pocket.
Visit NerdWallet’s guide to car insurance requirements by state for more detail on how your coverages work.
Alternative car insurance in Missouri
High-risk drivers who are denied car insurance on the open market can apply for coverage through the Missouri Automobile Insurance Plan.
And for more help searching for cheap car insurance in Missouri, try out NerdWallet’s car insurance comparison tool to easily peruse estimates from around the state.
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
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