Updated November 2nd, 2020
Here you will find the cheapest auto insurance in Missouri, minimum coverage to be legal, and helpful strategies to lower your rate even further.
Overall the lowest price providers are Farmers, Auto-Owners, Electric, and Missouri Farm Bureau.
Depending on the city you reside in, each carrier can offer quotes from 6 to 24% lower than the average premium of similar age drivers.
There are other lesser-known companies which are competitive too, such as Cameron Mutual.
They can offer quotes from 9 to 19% lower in many regions of Missouri.
I will go into further detail below.
This article will cover the minimum requirements for drivers, the least expensive insurers, and a few cost-saving ideas.
If you would like to skip to a certain portion of the article, please use the table of contents down a little and to the right.
Note: For a driver with good driving history, the cheapest providers for a 25-year old in Missouri are Farmers, Auto-Owners, and Electric. I queried each at $976, $988, and $1,007 respectfully per year, which is over 14% lower than the average premium. For more details, please see the table below.
Missouri Minimum Car Insurance Requirements
| Coverage | Missouri Minimum Liability Coverage | Recommended Coverage |
|---|---|---|
| Bodily Injury Protection | $25,000 / $50,000 | $100,000 / $300,000 |
| Property Damage | $10,000 | $50,000 |
| Uninsured Motorist Coverage | $25,000 / $50,000 | $100,000 / $300,000 |
| Comprehensive Coverage | Optional | $500 - $1,000 deductible |
| Collision Coverage | Optional | $500 - $1,000 deductible |
Please note these are the only required coverages. Besides comprehensive and collision, you need to insure your vehicle in Missouri, but you can add several optional coverages for extra protection.
Bodily Injury Liability
This coverage pays the other driver and their passengers’ hospital costs when the insured individual is at-fault in an accident.
Under the minimum coverage, the insurer will pay up to $25,000 for a single person and up to $50,000 for multiple passengers concerned in the accident.
Note: A 30-year-old driver in Missouri should be able to find rates below $1,000, as illustrated. The cheapest are Farmers, Auto-Owners, and Electric. I queried each at $911, $914, and $920 respectfully per year, which is approximately 12% lower than the “mean” quote for similar age drivers—more details in the table below.
Property Damage Liability
Property damage covers repairs that may have happened to the other person’s car, public property, and personal property.
At least $10,000 of property damage liability coverage must be maintained by each vehicle owner.
Uninsured Motorist Protection (UM) is required in MO since many drivers do not have proper coverage.
The set numbers for MO are 25,000/50,000/10,000 respectfully, as you can see from the figures above.
Note: A 35-year-old driver in Missouri can find cheap rates under $900 with Electric, Farmers, and Auto-Owners. I queried each at $821, $829, and $830 respectfully per year, which is 11% lower than the average premium for drivers of similar age and profile.
Cheapest Auto Insurance Providers by Rate & Company
Below is a table of the cheapest car insurance providers from 25 to 55 years of age.
Overall, depending on the city you reside in, the least expensive carriers are Farmers, Auto-Owners, and Electric Insurance Company.
Each carrier can offer quotes from 6% to 19% lower than the median quote for similar age drivers.
Missouri Farm Bureau, Cameron Mutual, and State Farm are companies to put on your list to get quotes.
Depending on your age and location, each carrier can offer quotes from 5% to 14% cheaper than the median quote from similar age drivers.
Missouri Farm Bureau requires a membership fee.
However, the cost of the fee may be offset by a lower premium.
It would be smart to at least get quotes from them.
A less known company that did well is Cameron Mutual.
You may not get a policy package, like those from State Farm or GEICO, but you may get a significantly lower premium if you are looking for savings.
A few times, Direct General was able to offer fairly competitive rates.
You may want to put them on your list to get quotes too.
With the list, you have a blend of local and national companies to help you lower your monthly premium.
| Missouri Company | 25 Y/O Driver | 30 Y/O Driver | 35 Y/O Driver | 40 Y/O Driver | 45 Y/O Driver | 55 Y/O Driver |
|---|---|---|---|---|---|---|
| Farmers | $976 | $911 | $821 | $645 | $498 | $387 |
| Auto-Owners | $988 | $914 | $829 | $646 | $500 | $390 |
| Electric | $1,007 | $920 | $830 | $650 | $502 | $387 |
| Missouri Farm Bureau | $1,023 | $945 | $833 | $655 | $499 | $390 |
| GEICO | $1,045 | $967 | $834 | $676 | $509 | $400 |
| Cameron Mutual | $1,069 | $987 | $833 | $687 | $516 | $404 |
| State Farm | $1,087 | $998 | $867 | $688 | $521 | $412 |
| Nationwide | $1,132 | $1,003 | $887 | $701 | $543 | $423 |
| Shelter | $1,167 | $1,006 | $908 | $714 | $544 | $411 |
| Progressive | $1,187 | $1,054 | $903 | $754 | $550 | $467 |
| Allied | $1,200 | $1,065 | $916 | $745 | $568 | $428 |
| Allstate | $1,200 | $1,076 | $920 | $756 | $587 | $438 |
| California Casualty | $1,209 | $1,087 | $941 | $765 | $588 | $444 |
| The Hartford | $1,243 | $1,109 | $976 | $789 | $598 | $441 |
| Safe Auto | $1,256 | $1,108 | $989 | 790 | $600 | $471 |
| Liberty Mutual | $1,267 | $1,112 | $998 | $800 | $608 | $487 |
| Amica | $1,268 | $1,167 | $1,009 | $821 | $609 | $429 |
| Hanover | $1,287 | $1,154 | $1,043 | $822 | $621 | $438 |
| 21st Century | $1,299 | $1,156 | $1,044 | $816 | $641 | $412 |
Note: A 40-year-old driver can get cheap rates with Farmers, Auto-Owners, and Electric. I queried each at $645, $646, and $650 respectfully per year. All three offer quotes over 16% lower than the “mean” quotes for similar age drivers. Missouri Farm Bureau requires a membership fee, offers competitive prices with quotes at $655.
Failure to Show Proof of Insurance
-
Four points will be added to your driving record
-
Eight points and your driving privilege is suspended for 18 months
-
Order sent to the Driver License Bureau to monitor proper liability insurance
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0 days suspension for failure to show proof of insurance
-
90 days suspension for failure to show proof – second offense
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1-year suspension for failure to show proof – third offense
It is important to note the reinstatement fees are as follows when failure to show proper coverage:
-
First suspension – $20 reinstatement fee
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Second suspension – $200 reinstatement fee
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Third suspensions – $400 reinstatement fee
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All suspensions require filing an SR22
Note: A 45-year-old driver can find rates below $500 with Missouri Farm Bureau and Farmers. I queried each at $499 and $498 per year for full coverage. Which is 18% lower than the average premium for similar age drivers. All carriers illustrated offer competitive quotes.
Best Companies by Consumer Rating, Complaints, & Rate Change
Below is a table of top carriers in Missouri by consumer rating and rate change over 18 months.
The rate change averages from 1.6% to 2.4%, which is well below the national average.
If you get a traffic violation, your rate can spike 20% or more.
Typically, regional companies, such as Missouri Farm Bureau or Cameron Mutual, may raise your rates higher than national companies, such as Auto-Owners or State Farm.
The number of complaints and written premiums is included to show you a ratio of complaints to written premiums.
State Farm and Progressive are going to have more complaints; however, they have much more in written premiums.
This is normal.
I wasn’t able to get data on Cameron Mutual.
They are licensed to do business in Missouri.
Therefore, they have the financial wherewithal to pay out a claim.
Consumer rating data is compiled from reputable online sources to get an average.
All other data is compiled from the Insurance Information Institute (III.org), AM Best, and JD Power & Associates.
| Missouri Company | Written Premiums | Rate Change | # of Complaints | Consumer Rating out of 5 Stars |
|---|---|---|---|---|
| Bristol West | $11,653,717 | +1.8% | 4 | 4.0 |
| State Farm | 721,378,692 | +1.9% | 258 | 4.4 |
| Allied | 57,303,269 | +1.9% | 22 | 4.2 |
| Shelter | 169,289,527 | +2.1% | 66 | 4.0 |
| Electric | 10,682,721 | +1.7% | 5 | 3.9 |
| Travelers | 45,455,011 | +1.9% | 23 | 4.3 |
| Nationwide | 47,133,146 | +2.3% | 25 | 4.3 |
| USAA | 101,161,099 | +1.9% | 55 | 4.5 |
| American Family | 422,677,786 | +1.6% | 245 | 4.6 |
| Hartford | 50,703,294 | +1.7% | 30 | 4.3 |
| Auto-Owners | 17,503,458 | +2.0% | 11 | 4.3 |
| Allstate | 94,493,185 | +1.9% | 60 | 4.0 |
| ANPAC | 15,204,961 | +1.9% | 10 | 3.7 |
| Columbia Group | 11,164,693 | +1.5% | 8 | 3.8 |
| Safeco | 130,051,091 | +1.7% | 99 | 3.9 |
| Missouri Farm Bureau | 65,175,896 | +2.3% | 51 | 3.8 |
| Farmers | 164,521,515 | +2.0% | 129 | 4.4 |
| Liberty Mutual | 49,315,179 | +1.6% | 39 | 4.3 |
| AAA | 153,793,682 | +1.9% | 122 | 3.9 |
| Cornerstone | 15,026,448 | +1.8% | 13 | 3.8 |
| Progressive | 236,267,646 | +1.5% | 205 | 4.3 |
| 21st Century | 15,048,870 | +1.6% | 15 | 4.3 |
| Country Financial Insurance | 18,924,474 | +1.9% | 19 | 4.1 |
| GEICO | 182,691,590 | +1.9% | 191 | 4.4 |
| State Auto | 13,374,813 | +1.6% | 14 | 4.2 |
| Esurance | 20,876,150 | +2.4% | 24 | 4.1 |
Note: A 55-year-old driver with good driving history can find extremely low rates with any of the 5 insurers illustrated. The cheapest are Electric, Farmers, and Auto-Owners. I queried each at $387, $387, and $390 respectfully per year, which is 21% lower than the average premium for similar age drivers.
Average Insurance Rate by City in Missouri
Below is a list of 44 cities throughout the state of Missouri with the average premium cost.
Location is a primary factor when insurers determine your rate.
This is the reason why you may have an increase, or decrease, in your premium when you move to another location.
For the most part, premiums throughout Missouri are even.
From the list below, quotes range from $399 to $601.
However, when I queried for quotes, the rural areas of the state have low rates.
While urban areas have slightly higher quotes.
If you would like a detailed comparison of quotes for more populous cities in Missouri, please read further below.
| City | Average Rate | City | Average Rate | City | Average Rate | City | Average Rate |
|---|---|---|---|---|---|---|---|
| Affton | $412 | Ellisville | $499 | Kirksville | $473 | Rolla | $489 |
| Arnold | $443 | Farmington | $500 | Kirkwood | $510 | Sikeston | $484 |
| Boonville | $454 | Fulton | $511 | Maryville | $442 | St Ann | $601 |
| Branson | $467 | Grain Valley | $532 | Maysville | $539 | Sullivan | $587 |
| Bridgeton | $488 | Hannibal | $487 | Mexico | $464 | Troy | $743 |
| Carthage | $411 | Harrisonville | $499 | Neosho | $487 | Union | $485 |
| Chillicothe | $467 | Hazelwood | $489 | Nixa | $521 | Warrensburg | $505 |
| Clayton | $489 | Jackson | $542 | Overland | $508 | Washington | $519 |
| Clinton | $423 | Jennings | $467 | Ozark | $532 | Wentzville | $476 |
| Concordia | $443 | Joplin | $721 | Perryville | $500 | Wildwood | $539 |
| Dexter | $487 | Kearney | $429 | Raytown | $500 | Williamsville | $399 |
Kansas City, MO
The average rate in Kansas City is approximately $790 per year.
If you want cheaper car insurance, then get quotes from Farmers, Auto-Owners, and Electric.
I queried each at $711, $723, and $726 respectfully for a 30-year-old driver.
This is savings of nearly $100 per year for each insurer and approximately 12% lower than the average rate.
A 45-year-old driver can find two insurers for less than $500 per year – Farmers and Auto-Owners.
The other insurers, such as Electric or State Farm, clustered in the $505 to $534 range.
Or more than 25% lower than the citywide average.
| Kansas City Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farmers | $711 | $467 |
| Auto-Owners | $723 | $487 |
| Electric | $726 | $505 |
| Missouri Farm Bureau | $743 | $512 |
| GEICO | $765 | $514 |
| Cameron Mutual | $787 | $516 |
| State Farm | $790 | $534 |
St. Louis, MO
St. Louis car insurance is the second most expensive in the state, with an average of $875.
Inexpensive prices can be found with Farmers, Auto-Owners, and Electric Company.
I queried each at $765, $789, and $800 per year for a 30-year-old driver.
Which is 9% to 13% lower than the median quote for similar age drivers in St. Louis.
For a 45-year-old driver, I found 7 insurance companies clustering between $499 and $590.
Farmers being the cheapest, followed by Auto-Owners, then Electric.
I queried each at $499, $509, and $532 respectfully per year for full coverage.
Or at least 14% in savings for each of the carriers for a similar age driver in St. Louis.
| St. Louis Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farmers | $765 | $499 |
| Auto-Owners | $789 | $509 |
| Electric | $800 | $532 |
| Missouri Farm Bureau | $813 | $545 |
| GEICO | $865 | $569 |
| Cameron Mutual | $896 | $578 |
| State Farm | $904 | $590 |
Springfield, MO
If Springfield residents want to keep more money in their wallet, start by getting quotes from Farmers, Auto-Owners, and Electric.
I queried each at $690, $698, $700 respectfully for a 30-year-old driver.
Which is about 12% lower than the citywide average auto insurance rate of $783 per year.
Missouri Farm Bureau and GEICO are about $30 more at $732 and $731 for full coverage.
A 45-year-old driver can find quotes for less than $500 per year with Farmer, Auto-Owners, Electric, and Missouri Farm Bureau.
This is over $240 in savings each year if you get a premium with any of the top insurers illustrated.
I suggest a family of 4 get quotes from all insurers to find the best savings.
Missouri Farm Bureau has a membership fee, and it might be worth paying since big savings would offset it on an auto premium.
| Springfield Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farmers | $690 | $439 |
| Auto-Owners | $698 | $444 |
| Electric | $700 | $451 |
| Missouri Farm Bureau | $732 | $478 |
| GEICO | $731 | $500 |
| Cameron Mutual | $745 | $532 |
| State Farm | $785 | $541 |
Independence, MO
The average car insurance rate in Independence is $678 per year.
I found two insurers about 5% lower than the citywide average – Farmers at $645 and Auto-Owners at $655 for a 30-year-old driver.
To ensure drivers are getting the lowest rates, it would be smart to get quotes from all insurance firms illustrated to find savings.
For a 45-year-old driver, I found 6 insurers clustering under $500 per year for full coverage.
The cheapest being Farmers at $390, followed by Auto-Owners at $412, then Electric at $443.
The top three are over 20% lower than the citywide “mean” rate for Independence drivers.
A family of 4 should be able to shave at least 10% off their current premium by diligently comparing all insurers illustrated in the table.
| Independence Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farmers | $645 | $390 |
| Auto-Owners | $655 | $412 |
| Electric | $690 | $443 |
| Missouri Farm Bureau | $703 | $434 |
| GEICO | $713 | $467 |
| Cameron Mutual | $723 | $489 |
| State Farm | $756 | $500 |
Columbia, MO
Residents can find cheap insurance in Columbia by getting quotes from Electric, Farmers, and Auto-Owners.
The cheapest is Electric at $655 for a 30-year-old driver.
Over $100 cheaper than the “mean” rate of $765.
Farmers is extremely close with a $656 quote, then Auto-Owners at $678.
For a 45-year-old driver, I found one company, Electric, less than $500 per year for full coverage.
Farmers and Auto-Owners are $40 more at $500 and $523 respectfully.
GEICO at $544 and Cameron Mutual at $562 are certainly worth getting quotes from.
Since both drivers (30 and 45-year old) I queried have no discounts taken into consideration, with GEICO or Cameron Mutual, you could find lower rates.
| Columbia Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Electric | $655 | $487 |
| Farmers | $656 | $500 |
| Auto-Owners | $678 | $523 |
| Missouri Farm Bureau | $690 | $543 |
| GEICO | $704 | $544 |
| Cameron Mutual | $721 | $562 |
| State Farm | $765 | $573 |
Lee’s Summit
Drivers in Lee’s Summit can get the cheapest premium by getting quotes from Farmers, Missouri Farm Bureau, and Electric.
I queried each at $680, $712, and $734 per year for a 30-year old.
If you want to expand to more carriers, then Auto-Owners and Cameron Mutual are good contenders.
I queried each at $768 and $831 respectfully for full coverage.
A 45-year old can get the lowest quotes with Farmers and Missouri Farm Bureau.
I queried each at $497 and $521 respectfully for full coverage.
Which is 18% to 20% lower than the median rate for drivers of similar age and profile.
Electric is a carrier to get quotes from with a price queried at $530 per year.
All of the insurers clustered between $497 and $590.
Or all of them are at least 11% lower than the average quote for similar drivers.
| Lee's Summit Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farmers | $680 | $497 |
| Missouri Farm Bureau | $712 | $521 |
| Electric | $734 | $530 |
| Auto-Owners | $768 | $568 |
| Cameron Mutual | $831 | $590 |
| State Farm | $844 | $626 |
Jefferson City
Residents of Jefferson City can find inexpensive quotes with Farmers, Missouri Farm Bureau, and Auto-Owners.
I queried each at $677, $723, and $765 per year for a 30-year-old driver.
Which is 17% to 23% lower than the median rate for a driver of similar age and profile.
There is a significant price difference among the lowest and highest insurer, making it important to compare quotes for the most savings.
A 45-year old can get the best prices with Farmers and Missouri Farm Bureau.
I queried each at $488 and $505 per year for full coverage.
Which is approximately 19% lower than the “mean” quote for drivers of similar profile.
All carriers illustrated for a 45-year old are 14% lower than the median rate.
| Jefferson City Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farmers | $677 | $488 |
| Missouri Farm Bureau | $723 | $505 |
| Auto-Owners | $765 | $522 |
| Electric | $797 | $546 |
| Cameron Mutual | $822 | $587 |
| State Farm | $850 | $608 |
St. Charles
Drivers in St. Charles can get the cheapest premium by getting quotes from Farmer, Missouri Farm Bureau, and Auto-Owners.
I queried each at $709, $730, and $766 per year for a 30-year old.
Which is 16% to 19% lower than the median quote for drivers of similar age and profile.
Electric and Cameron Mutual are 12% lower; therefore, it would be smart to include them when comparing quotes.
A 45-year old can get the lowest rates with Farmers, Missouri Farm Bureau, and Auto-Owners.
I queried each at $508, $543, and $570 per year for full coverage.
Or approximately 18% to 21% lower than the citywide “mean” rate for similar drivers.
Quotes clustered between $508 and $633 for a 45-year old, a $125 variance, or nearly 25%.
Making it important to compare quotes.
However, both Electric and Cameron Mutual are over 10% lower than the median rate.
| St. Charles Company | 30 Y/O Driver | 45 Y/O Driver |
|---|---|---|
| Farmers | $709 | $508 |
| Missouri Farm Bureau | $730 | $543 |
| Auto-Owners | $766 | $570 |
| Electric | $780 | $605 |
| Cameron Mutual | $820 | $633 |
| State Farm | $846 | $645 |
Resources & DMV Information
| Department of Insurance | Department of Transportation | Department of Motor Vehicles |
|---|---|---|
| 301 W High St # 630, Jefferson City, MO 65101 (573) 751-4126 | 1711 US-61, Hannibal, MO 63401 (573) 248-2490 | 3917 Lindell Blvd, St. Louis, MO 63108 (314) 531-0700 |
| Website | Website | Website |
Sources
https://www.directgeneral.com/
https://eic.electricinsurance.com/
https://www.mofbinsurance.com/
https://www.cameron-insurance.com/
