Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 24, 2022

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Compare RatesStart Now → licensed insurance agents did a comparison study of the cheapest car insurance companies in Missouri and found The Hartford at $337 per year provides the cheapest rate for Missouri minimum coverage.

State Farm at $1,287 per year provides the most affordable auto insurance for drivers in Missouri with full coverage policies.

Table of Contents

What’s the best cheap car insurance in Missouri?

Drivers can find the best coverage in Missouri and save more on car insurance premiums by comparing quotes from multiple insurance providers with our comparison study’s best rates.

Cheapest Car Insurance in Missouri - Key Takeaways
AutoInsureSavings.orgThe cheapest Missouri car insurance options are:

Cheapest for minimum coverage: The Hartford
Cheapest for full coverage: State Farm
Cheapest after an at-fault accident: State Farm
Cheapest after a speeding ticket: American Family
Cheapest after a DUI: Progressive
Cheapest with poor credit history: American Family
Cheapest for young drivers: American Family
For younger drivers with a speeding violation: Shelter Insurance
For younger drivers with an at-fault accident: State Farm
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This Missouri car insurance guide is the best way to find affordable auto insurance coverage and help you save money regardless of age groups or driving types.

Cheapest car insurance in Missouri with The Hartford, State Farm, and Progressive Insurance compared with average rates.

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What’s the cheapest car insurance in Missouri for minimum coverage?

During our auto insurers’ analysis of Missouri’s best rates, The Hartford provided us a $337 per year or $28 per month for the cheapest minimum monthly premiums for liability insurance for good drivers in Missouri. The Hartford’s auto insurance premiums is 50% cheaper than Missouri’s state average of $674 per year.

Auto insurerAverage annual rate
The Hartford$337
State Farm$419
American Family$519
Liberty Mutual$931
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*USAA is for qualified military members, their spouses, and direct family members. Rates may vary depending on driver profiles.

In Missouri, minimum liability coverage can ensure you have bodily injury, property damage liability, and uninsured motorist coverage to stay legal and have the cheapest possible premium. Still, it may not provide you with all the coverage you need if you are involved in an auto accident.

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In the event of an at-fault car accident, state minimum policies will not cover property damage to your car. To avoid expensive repairs, our licensed agents recommend full coverage policies when shopping for Missouri auto insurance rates.

What’s the cheapest full coverage car insurance in Missouri?

State Farm offers the cheapest insurance annual premiums for full coverage in Missouri for drivers with clean driving records. State Farm offered our sample driver a $1,287 annual rate or 36% less per year than Missouri’s average at $2,015 per year

InsurerAnnual costMonthly cost
State Farm$1,287$107
The Hartford$1,460$121
American Family$1,619$134
Missouri average$2,015$167
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Full coverage policies offer a better coverage level of protection for Missouri drivers, which covers property damage to the other driver’s car and your car by adding collision and comprehensive coverage.

Collision coverage pays for damage to your motor vehicle in the event of an auto accident, and comprehensive insurance pays for weather damage, such as from a storm or fallen tree branch or if you accidentally hit an animal. 

Who has the cheapest car insurance with a speeding ticket for drivers in Missouri?

AutoInsureSavings insurance agents found American Family Insurance (AmFam) at $1,631 per year offers cheaper car insurance in Missouri for drivers who have one speeding violation on their driving record. American Family’s quote is 31% less expensive or $704 less per year.

InsurerAnnual costMonthly cost
American Family$1,631$135
State Farm$1,703$141
Missouri average$2,335$194
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In Missouri, traffic tickets give rate increases by $320 or 14%, but not as much as a driver with an at-fault accident (33%) or DUI violation (52%).

Advertiser Disclosure: Some of the offers within the content are from companies where may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.
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What’s the cheapest insurance with an auto accident in Missouri?

We found State Farm offers cheaper car insurance quotes to Missouri drivers with one at-fault accident on their driving records with a $1,852 annual rate ($154 per month) for our sample 30-year-old male driver.

State Farm’s rate is $1,057 less per year than Missouri’s’s state average rate of $2,909 or 37% less expensive.

InsurerAnnual costMonthly cost
State Farm$1,852$154
Missouri average$2,909$242
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We found car insurance rates increase about 33% after a driver is involved in an accident in Missouri during our licensed agent’s analysis. Just one at-fault accident could cause your car insurance rates to increase as much as $894 per year or $74 per month. 

Who has the cheapest car insurance for people with a DWI in Missouri?

With a drunk driving (DWI) violation, people in Missouri can find affordable car insurance with Progressive with a quote at $2,260 per year for full coverage or a $188 monthly rate for our sample 30-year-old driver. Progressive’s quote is 31% cheaper than Missouri’s DWI rate of $3,244 annually.

InsurerAnnual costMonthly cost
State Farm$2,376$198
American Family Insurance$2,840$236
Missouri average$3,244$270
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According to the Missouri Department of Revenue, a DWI conviction in Missouri will cause your car insurance premiums to increase by 52%. The DWI will remain on your driving record for ten years, and you may be required to participate in Missouri’s ignition interlock device (IID) program for first-time offenders. 

What’s the cheapest insurance for drivers with poor credit in Missouri?

According to our analysis, the Missouri car insurance company offering the best rates with poor credit is American Family Insurance.

AmFam’s quote of $1,963 per year is 32% less expensive than state average rates of $2,860 per year.

InsurerAnnual costMonthly cost
American Family Insurance$1,963$163
State Farm$2,017$168
Shelter Insurance$2,350$195
Missouri average$2,860$238
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Who has the cheapest car insurance for young drivers in Missouri?

Young Missouri drivers can find the cheapest full coverage auto insurance rates with American Family Insurance, which provided us a $4,754 annual rate or 21% less expensive than Missouri’s younger driver average rates.

Shelter Insurance provides the cheapest minimum coverage rates for young or teen drivers at $1,419 per year or 32% lower than average Missouri rates.

The next best option for young Missouri drivers for state minimum is State Farm, at $1,477 per year.

Auto insurerFull coverageMinimum coverage
American Family Insurance$4,754$1,629
State Farm$4,890$1,477
Shelter Insurance$5,273$1,419
Farmers Insurance$6,922$3,047
Liberty Mutual$8,363$1,952
Missouri average$5,964$2,076
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*USAA is for qualified military members, their spouses, and direct family members. Rates may vary depending on driver profiles.

According to the Insurance Information Institute (, your age correlates with safe driving habits. Statistically, the younger you are, the higher likelihood you will be in a car accident.

Advertiser Disclosure: Some of the offers within the content are from companies where may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.
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According to the National Highway Traffic Safety Administration (NHTSA), auto insurers account for this risk factor by charging higher insurance rates for inexperienced drivers. As you gain more driving experience, your rates should decrease as you get older.  

What’s the cheapest insurance for young drivers with speeding tickets?

Teen drivers with speeding tickets in Missouri can find the cheapest quotes with Shelter Insurance. Average auto insurance costs with Shelter are $5,273 per year for full coverage or 21% less expensive than Missouri’s average speeding ticket rate for younger drivers. 

InsurerAnnual costMonthly cost
Shelter Insurance$5,273$439
State Farm$5,316$443
Missouri average$6,632$552
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What’s the cheapest insurance for young drivers with an at-fault Accident?

Inexperienced Missouri drivers with a recent at-fault accident can find the best car insurance with State Farm with a $5,527 quote for full coverage insurance.

State Farm’s at-fault accident rate for young drivers is 24% cheaper than Missouri’s average rate of $7,238 per year.

InsurerAnnual costMonthly cost
State Farm$5,527$460
Shelter Insurnace$5,963$496
American Family Insurance$6,230$519
Missouri average$7,238$603
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Who are the best auto insurance companies in Missouri?

Based on customer service and claims satisfaction, Missouri’s best car insurance companies are American Family Insurance, Shelter Insurance, and USAA.

If customer service is a priority with a low amount of complaints based on NAIC’s index, we recommended American Family (AmFam) as the best auto insurer in Missouri.

Auto insurer% respondents satisfied with recent claim% respondents rated customer service as excellent
American Family Insurance86%50%
State Farm73%46%
Farmers Insurance71%38%
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Buying cheap insurance helps Missouri insurance shoppers save money, but insurance companies with poor customer service or claims handling sometimes are not worth the extra savings in your bank account.

AutoInsureSavings licensed agents collected information on Missouri’s car insurance companies from the National Association of Insurance Commissioners (NAIC), J.D. Powers, and A.M. Best’s financial strength ratings.

Advertiser Disclosure: Some of the offers within the content are from companies where may receive compensation. This does not influence our analysis of services or products. Our opinions are our own in good faith.
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The insurance companies with the lowest NAIC complaint index ratio based on the market share are American Family (0.46), Farmers Insurance (0.49), and Shelter (0.51). All three auto insurers have an NAIC complaint index of less than one (1.00) or below the national average.  

InsurerNAIC Complaint Index J.D. Power claims satisfaction score AM Best Financial Strength Rating
American Family Insurance0.46862A
State Farm0.66881A++
Liberty Mutual0.97866A+
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While you shop around for car insurance companies in The Show-Me State, several factors contribute to your insurance cost. Your driver profile, type of vehicle, and age can impact your total monthly or annual insurance premium. 

It is always best to shop around and compare plans to find a Missouri car insurance company with the cheapest rates with excellent customer service ratings. 

What’s the average car insurance cost by city in Missouri?

We collected insurance quotes from Missouri zip codes from top auto insurance companies, and found rates can vary by $567 by zip code and city.

Your zip code in The Show-Me State is one of many risk factors auto insurers use to set your auto insurance quotes. Other factors include your marital status, type of vehicle, credit score, age, and liability insurance limits.

Who has the cheapest auto insurance in Kansas City, MO?

Drivers in Kansas City, MO, can find the best auto insurance rates with The Hartford, which provided us a quote at $1,371 per year for a full coverage insurance policy. The Hartford’s rate is 45% cheaper than Kansas City’s insurance rate of $2,465 per year.

Kansas City insuranceAverage Premium
The Hartford$1,371
State Farm$1,390
Kansas City average$2,465
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Who has the cheapest auto insurance in St. Louis, MO?

AutoInsureSavings’ agents found State Farm is the cheapest liability car insurance company for people in St. Louis. They provided us a $1,517 per year rate for full coverage, 41% less expensive than St. Louis’s average rates at $2,547 per year.

St. Louis insuranceAverage Premium
State Farm$1,517
American Family Insurance$1,689
Shelter Insurance$1,840
St. Louis average$2,547
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Who has the cheapest auto insurance in Springfield, MO?

Springfield drivers can find the best full coverage insurance policy with American Family Insurance, which provided us a quote at $1,458 per year. AmFam’s insurance quote is 39% cheaper than average rates for 30-year-old drivers in Springfield. 

Springfield insuranceAverage Premium
American Family Insurance$1,458
State Farm$1,570
Springfield average$2,376
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Who has the cheapest auto insurance in Columbia, MO?

Through research, we found the cheapest auto insurance in Columbia is The Hartford, with a $121 monthly rate or $1,455 per year. The Hartford’s rate is 40% less expensive than Columbia’s average rates of $2,442 per year.

Columbia insuranceAverage Premium
The Hartford$1,455
Shelter Insurance$1,562
Columbia average$2,442
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Who has the cheapest auto insurance in Independence, MO?

Independence drivers can find the cheapest auto insurance quotes with State Farm, which provided our agents a $1,217 rate per year for our 30-year-old driver. State Farm’s quote is 48% less expensive than Independence’s average rates. 

Independence insuranceAverage Premium
State Farm$1,217
Independence average$2,374
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Who has the cheapest auto insurance in Lee’s Summit, MO?

Drivers in Lee’s Summit looking for cheaper car insurance rates should get quotes from State Farm, which offered our agents a $1,198 annual rate for full coverage with $500 deductibles with collision and comprehensive coverage.  State Farm’s rate is 47% less expensive than Lee’s Summit’s average rates of $2,257 per year. 

Lee's Summit insuranceAverage Premium
State Farm$1,198
Shelter Insurance$1,340
Lee's Summit average$2,257
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Average Car Insurance Costs for All Cities in Missouri

CityAnnual insurance costCityAnnual insurance cost
Kansas City$2,465El Dorado Springs$1,893
St. Louis$2,547Frontenac$1,880
Lee's Summit$2,257Pagedale$1,953
O'Fallon$2,249Sugar Creek$1,946
St. Joseph$2,314Cassville$1,912
St. Charles$2,423Louisiana$1,880
St. Peters$2,165Hillsboro$2,065
Blue Springs$2,189Bethany$2,035
Chesterfield$1,918Moscow Mills$2,092
Jefferson City$1,937Portageville$1,953
Cape Girardeau$1,893East Prairie$2,116
Wentzville$2,170Pleasant Valley$1,946
Oakville$2,146Byrnes Mill$1,912
University City$2,198Windsor$1,880
Raytown$2,035New Madrid$1,985
Gladstone$1,946Castle Point$1,893
Maryland Heights$1,856Knob Noster$2,092
Hazelwood$2,172Country Club$2,048
Webster Groves$1,937Gray Summit$2,035
Arnold$2,183Montgomery City$2,048
Rolla$2,194Kimberling City$2,059
Affton$1,946Terre du Lac$2,172
Warrensburg$1,893Mountain View$2,215
Old Jamestown$2,035Hayti$2,059
Ozark$2,065Green Park$1,937
Creve Coeur$1,912Clarkson Valley$1,893
Concord$2,287Villa Ridge$1,856
Spanish Lake$2,196Houston$1,968
Poplar Bluff$2,281Forsyth$1,880
Fort Leonard Wood$1,985Cabool$1,953
Lake St. Louis$1,968Marionville$1,893
Overland$2,059Moline Acres$1,918
Jackson$1,912Monroe City$2,210
Carthage$1,918Village of Four Seasons$2,065
Grain Valley$2,172St. Paul$1,968
Dardenne Prairie$1,893Plattsburg$2,059
Marshall$2,065Willow Springs$1,985
Fulton$1,953Merriam Woods$2,092
St. Ann$1,880Bloomfield$1,893
West Plains$2,236Lathrop$2,159
Crestwood$1,937Lake Lotawana$2,196
Webb City$1,856Strafford$2,210
Maryville$2,035Weatherby Lake$2,219
Excelsior Springs$1,893Anderson$2,236
Mexico$2,092St. George$2,210
Town and Country$2,059Warson Woods$1,856
Bolivar$1,918New Haven$1,953
Bellefontaine Neighbors$1,912Albany$1,968
Clinton$2,065Hanley Hills$1,985
Berkeley$1,937Lake Ozark$1,918
Des Peres$2,196Campbell$1,912
Park Hills$1,856Stockton$1,893
Pleasant Hill$2,207Cedar Hill$2,092
Richmond Heights$1,946Unionville$2,107
Sunset Hills$1,918Richland$2,065
Perryville$2,035Marble Hill$2,059
Oak Grove$1,985Steelville$1,946
Carl Junction$1,968Weston$2,035
Aurora$1,946Vinita Park$2,048
Bonne Terre$1,953Sparta$2,110
Black Jack$1,856Gallatin$1,985
Valley Park$1,937Claycomo$1,946
Parkville$2,035Ash Grove$1,893
St. John$1,880Greenfield$2,210
De Soto$1,918Ironton$2,159
Battlefield$2,092Rich Hill$1,918
Shrewsbury$2,172LaBarque Creek$1,856
St. Robert$2,219Linn$1,912
Trenton$2,210Rock Port$2,228
Caruthersville$2,236Fair Grove$1,880
Charleston$1,968Country Club Hills$1,893
Weldon Spring$2,225Crane$2,048
Willard$1,946Velda City$2,172
Bowling Green$2,219Sweet Springs$1,918
Cottleville$2,107Lone Jack$1,946
Osage Beach$1,893Marthasville$1,968
Salem$1,880Garden City$2,196
Glasgow Village$2,035Calverton Park$1,953
Platte City$1,918Clarkton$2,172
Crystal City$2,159Winona$2,219
St. Clair$2,048Gerald$1,893
Mountain Grove$1,953Purdy$2,109
Rock Hill$1,968Pierce City$2,196
Higginsville$1,985Reeds Spring$1,937
Breckenridge Hills$2,065La Plata$1,912
Mount Vernon$1,946Edina$2,159
Scott City$2,213Cole Camp$1,968
North Kansas City$1,893Edmundson$1,856
High Ridge$2,181Archie$2,159
Ste. Genevieve$2,196New Franklin$2,059
Lamar$2,035La Monte$2,048
Holts Summit$1,912Appleton City$2,092
Whiteman AFB$1,880St. Martins$2,172
Malden$1,937Cool Valley$2,035
St. James$2,159Dixon$2,188
Woodson Terrace$2,059Lake Winnebago$2,178
Herculaneum$1,937Shell Knob$2,065
Fredericktown$1,918Southwest City$2,048
Ashland$1,946Fremont Hills$1,912
Wright City$2,065Mound City$1,985
Palmyra$1,856Kissee Mills$1,937
Pine Lawn$1,912Osceola$1,880
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What are the minimum car insurance coverage requirements in Missouri?

According to state law and the Missouri Department of Revenue, all drivers must carry the minimum liability insurance requirements and uninsured motorist coverage.

Liability insuranceMinimum coverage
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$10,000 per accident
Uninsured motorist coverage bodily injury $25,000 per person / $50,000 per accident
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The insurance requirements pay for bodily injury and property damage sustained to other people or motor vehicles. Uninsured motorist coverage pays for accidents with uninsured motorists.

AutoInsureSavings agents recommend higher bodily injury and property damage liability limits with comprehensive and collision insurance. 

Frequently Asked Questions

Who has the Cheapest Car Insurance in Missouri?

We found the top car insurance companies that offer the lowest Missouri driver’s average rates are USAA at $26 per month, The Hartford at $28 per month, and State Farm at $35 a month for a liability insurance policy for a 30-year-old with clean driving history.

How Much Is Car Insurance For Drivers in Missouri per Month?

The average cost for car insurance per month in Missouri is $167 per month or $2,015 per year for full coverage. The average price of a minimum coverage car insurance policy per month is $56 or $674 per year. State Farm’s full coverage average rate is $107 per month or 36% less expensive, while The Hartford offers state minimum policies in Missouri at $28 per month or 50% cheaper than state average rates.

How Much Is Full Coverage Car Insurance in Missouri?

The average cost of full coverage car insurance in Missouri is $2,015 annually or $167 per month. State Farm’s average rate for full coverage is $1,287 per year or $107 per month. The Hartford at $1,460 and American Family Insurance at $1,619 are also below the state average rates.

How do I Save on Car Insurance in Missouri?

There are many ways for drivers in Missouri to save on their car insurance premiums. You can determine if you are eligible for a money-saving driver discount offered by the car insurance company. Many insurance providers will lower your overall rates if you have multi-policies with them, such as life or home insurance.

Another way to save on your car insurance premium is to practice good driving habits and keep a clean driving record. That will not only keep you and your passengers safe but will also help you avoid auto accidents or traffic violations that could cause rate increases.

To learn more about the most affordable car insurance options for drivers in Missouri, contact the experts at Our licensed insurance professionals will be happy to answer any questions you have.

Methodology comparison shopping insurance study used a full-coverage auto policy for a 30-year-old driving a 2018 Honda Accord with the following coverage limits:

Coverage typeStudy limits
Bodily injury liability$50,000 per person / $100,000 per accident
Property damage liability$25,000 per accident
Personal injury protection$10,000
Uninsured / underinsured motorist bodily injury$50,000 per person / $100,000 per accident
Comprehensive and collision coverage$500 deductible
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We used insurance rates for drivers with accident histories, credit scores, and marital status for other Missouri rate analyses. We used car insurance rate data from Quadrant Information Services, which are publicly available for comparative purposes only. Your insurance rates may vary when you get quotes.

So  compare prices between auto insurance  companies to find the lowest rate.


– Missouri Department of Revenue. “Insurance Information.”
– Insurance Information Institute. “Background on Credit scoring.”
– National Highway Traffic Safety Administration. “Traffic Safety Facts.”
– National Association of Insurance Commissioners. “Market Share Reports for Property/Casualty Groups and Insurance Companies.”
– Missouri State Highway Patrol. “Young Driver Crashes by Crash Severity and Personal Injury Severity.”
– Missouri Department of Revenue. “The Missouri Driver License and Nondriver License.”
– Missouri Department of Revenue. “Driving While Intoxicated (DWI).”

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.