Cheap car insurance in Missouri

How to get cheap auto insurance in Missouri

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Missouri

Car insurance quick facts

20/50/10

Minimum liability requirements

$1,300

Average annual car insurance cost

60

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

  • Top-rated insurer
  • Online quotes & claims
  • Bundle and save

Our top pick: Progressive

Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.

  • Top-rated insurer with 80 years of experience
  • Easy online sign-up and reporting
  • Multiple discounts available
  • Transparent quoting

Auto insurance providers for drivers in Missouri

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
40%
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
15%
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

Average car insurance costs in Missouri

Missouri sits just below the national average when it comes to annual car insurance costs. Drivers in this state can expect to pay about $1,100 a year; for reference, the national average is $1,200-$1,300.

Cheapest car insurance in Missouri

What affects my costs?

Because car insurance is affected by so many different outside factors, you could still end up overpaying for your coverage. Some of the factors that contribute to high insurance costs include:

  • Age. If you’re younger than 25 or older than 70, you can expect to pay more for your coverage than the ages in between. This is because out of all age demographics, accident risk is highest among drivers between 16 and 19, and slowly lowers through the mid-30s.
  • Type of car. Owning a fast sports car is something a lot of people daydream about, and maybe you’ve got your eye on a Porsche when you retire someday. But it’s good to note that when cars are designed to go fast, they tend to be driven fast; this puts them at an elevated level of accident risk, and insurers will always charge accordingly. A Toyota Corolla might not have the same curb appeal, but it’s far cheaper to insure, maintain and fill up with fuel than an imported roadster.
  • Driving record. If you’ve only been driving for a few years, or if you have any serious black marks in your driving history, most insurers will charge you more for coverage. The longer you go without any accidents or traffic violations, the more likely you are to earn a good driver discount or something similar.
  • Location. Rural drivers typically pay less for car insurance than people who live and commute in high traffic or urban areas. This is because in the country, risks or theft, vandalism and multi-vehicle accidents are far lower, meaning rural drivers are less likely overall to file claims.
  • Gender. With the exception of three states — Hawaii, Massachusetts and North Carolina — women could pay 5-15% less for car insurance. This is because men are statistically more likely to get into accidents, far more likely to drive under the influence of alcohol and less likely to wear their seat belt. However, this insurance cost differential tends to even out as drivers approach the age of 50.
  • Marital status. Married people are seen as more stable, both financially and otherwise, and statistics show that married people are less likely to get into accidents or file insurance claims than single people.
  • Occupation. There are often special discounts or considerations made for people who work in certain fields. For example, teachers, professors and school administrators often pay less for their coverage, as do medical professionals and healthcare workers. Membership with certain professional organizations or work unions could also net you a discount.
    On the other side of the coin, if you drive your own vehicle throughout the day for work — say, outside sales representatives or site inspectors — the extra mileage and road time could increase your insurance rates.
  • Other drivers. Whenever you add another driver to your car insurance policy, all their factors start to play into your costs. This means even the safest middle-aged driver out there could pay higher than the average when their teenage son or daughter starts collecting speeding tickets with the family car.
  • Typical driving habits. Do you have a lengthy commute every day of the week? Do you put on more miles per week than the average driver? These kinds of things can help or hurt your chance of getting a great rate. If you never drive more than 50 or 100 miles in a week, tell your insurer and see if this can get you a lower rate.
CompanyDirect premiums written (billions)Market share
State Farm$918,14722.2%
American Family$532,49612.9%
Progressive$448,97210.9%
Geico$294,8047.1%
Liberty Mutual$258,2716.3%
Shelter$221,6945.4%
Farmers$217,6295.3%
USAA$177,1544.3%
Allstate$174,9404.2%
Auto Club Exchange Group$162,6313.9%

Which city has the cheapest car insurance in Missouri?

Of Missouri’s largest cities, Columbia has the cheapest rates and Saint Louis has the most expensive car insurance rates. Saint Louis drivers could face rates 2 times more than Columbia drivers.

Car insurance quotes in Saint Peters

CompanyAnnual car insurance rate
Allstate$852
Farmers$1138
Metromile$850
esurance$1424
Safeauto$895

Car insurance quotes in Ballwin

CompanyAnnual car insurance rate
Allstate$930
Farmers$1253
Metromile$957
esurance$1308
Safeauto$1166

Car insurance quotes in Saint Louis

CompanyAnnual car insurance rate
Allstate$911
Farmers$1341
Metromile$998
esurance$1448
Safeauto$1179

Car insurance quotes in Columbia

CompanyAnnual car insurance rate
Allstate$688
Farmers$1004
Metromile$830
esurance$984
Safeauto$860

Car insurance quotes in O Fallon

CompanyAnnual car insurance rate
Allstate$890
Farmers$1128
Metromile$848
esurance$1316
Safeauto$919

State minimum car insurance requirements in Missouri

The minimum car insurance you’re required to carry depends on where you live. In Missouri, you can’t legally drive unless you carry liability insurance that includes at least:

  • $20,000 bodily injury liability coverage per person.
  • $50,000 bodily injury liability coverage per accident.
  • $10,000 property damage liability coverage per accident.

When shopping for car insurance, you may see these liability limits written as 20/50/10.

Missouri is among the 20 or so states that require its drivers to also carry uninsured/underinsured motorist coverage, which protects a driver if they’re involved in an accident with another driver that isn’t adequately covered by an car insurance policy. To satisfy this requirement, you’ll need to maintain at least:

  • $25,000 uninsured/underinsured motorist coverage per person.
  • $50,000 uninsured/underinsured motorist coverage per accident.

What additional coverage can I get in Missouri?

Many car insurance providers in Missouri offer optional coverage for peace of mind that includes:

  • Comprehensive. Pays for repairs if your car is damaged by something other than an accident — for instance, a fire or vandalism.
  • Collision. Pays for repairs to your vehicle if you’re in an accident.
  • Emergency roadside assistance. Reimburses you for any labor or towing that’s necessary after an accident.
  • Medical. Helps pay for medical bills caused by an accident, no matter who’s at fault.
  • Loan/lease gap coverage. If you total your car in an accident and you still owe money on it, this coverage pays the difference between what your insurer will cover and the remainder of your existing loan or lease.

Do I need SR-22 insurance in Missouri?

If you get a DUI in Missouri, you’ll typically need to file a Missouri SR-22 form in order to get your license and registration reinstated. This form guarantees that a driver will maintain their coverage to a legal minimum standard for a set amount of time, typically 3 years.

Bottom line

In Missouri, you’ll need to purchase both liability insurance and uninsured/underinsured motorist coverage to remain legal or face points, suspensions and jail time.

To get the cheapest coverage for your needs, carefully research your car insurance options when driving in the Mother of the West.

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Frequently asked questions about car insurance in Missouri

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