Cheapest Auto Insurance in Missouri (2025)

Drivers in the Show-Me State pay an overall average of $133 per month for car insurance, which is in line with the overall national U.S. average of $143 per month.

Missouri requires drivers to carry bodily and property liability insurance, but unlike some states, it doesn’t require personal injury protection (PIP). These lower coverage requirements could help keep its rates in line with the national average.

Here’s what you should know about comparing car insurance quotes and finding coverage in Missouri.

6 of the cheapest car insurance companies in Missouri

The car insurance company in Missouri that’s the right fit for you will depend on your situation and needs. The amount you pay for auto insurance can vary based on your age, gender, location, how often you drive, your driving record, and the car insurance company you choose. Comparing multiple insurance companies can help you find the best price on car insurance.

USAA

State Farm

Allstate

How to get the cheapest car insurance in Missouri

If you want to find the cheapest car insurance in Missouri, it can help to understand how insurers calculate your insurance premiums. Insurance companies look at factors including your age, gender, location, the type of car you drive, how often you drive, and the type of insurance you want.

To keep your insurance premiums as low as possible, consider the following tips:

• Increase your deductible. Your deductible is the amount of money you pay before your insurance pays out on a claim. Agreeing to pay a higher deductible can reduce your premiums substantially.

• Bundle your insurance. Purchasing multiple insurance products from the same company, such as home insurance and auto insurance, can result in a discounted rate.

• Compare insurance companies. Car insurance prices can vary widely between companies. It’s a good idea to compare several insurance companies to find the one that fits your needs and budget.

Low-cost car insurance in Missouri

Missouri doesn’t have a program to help low-income drivers find affordable car insurance. But if you’re looking to lower your car insurance costs, consider shopping around for car insurance quotes every six months to make sure you’re always getting the best deal.

Cheapest liability-only car insurance quotes in Missouri: USAA

Every U.S. state except New Hampshire requires car owners to carry liability-only car insurance. This coverage is composed of bodily injury and property damage liability. Bodily injury insurance covers the costs of the other driver’s medical bills if you cause an accident. Property damage liability covers the cost of any damage you cause to property, such as a fence or light pole.

Liability-only insurance costs Missouri drivers an average of $91 per month. The following table shows some insurance companies that offer the cheapest liability-only car insurance in Missouri.

Cheapest full-coverage car insurance quotes in Missouri: USAA

If you want to maximize your protection, you may consider full-coverage car insurance. While liability-only insurance covers the other driver if you cause a car accident, it doesn’t cover you. Full-coverage car insurance covers you and your vehicle through collision and comprehensive insurance if you cause an accident.

Full-coverage auto insurance costs an average of $175 per month in Missouri. Check out the table below for the cheapest full-coverage car insurance companies in Missouri.

Car insurance requirements in Missouri

Missouri state law requires all vehicle owners and operators to carry liability insurance. Liability insurance covers your legal liabilities if you injure another driver or damage their property in an at-fault accident.

If you’re caught without the required minimum coverage, you could face license suspension and fees. If you get in an accident and don’t pay damages, you risk losing your license for one year.1

If you want additional protection, consider these optional coverages:

Cheapest car insurance companies for drivers in Missouri with an incident

An incident includes speeding tickets, driving under the influence (DUI), at-fault accidents, or other moving violations. When car insurers calculate your insurance premiums, they’re trying to determine how high of a risk it is to insure you. Having a driving record with multiple incidents demonstrates a higher level of risk and typically results in more expensive insurance.

Cheapest car insurance quotes for drivers with a speeding ticket: USAA

Speeding can affect your safety as well as other drivers. Speeding increases the potential for you to lose control of your vehicle and is a contributing factor to traffic fatalities. Since insurers view speeding as an increased risk, it can also result in higher insurance premiums. 

Missouri uses a points system when you’re convicted of a traffic violation. If you’re caught speeding, you can receive up to three points against your license. Accumulating eight or more points in an 18-month period can result in the suspension of your driving privileges.

The average cost of car insurance for drivers with a speeding ticket in Missouri is $212 per month for full coverage and $110 for liability only.

The following table shows the companies offering cheap car insurance in Missouri for drivers with speeding tickets.

Cheapest car insurance quotes for drivers with an at-fault accident: USAA

If you cause an accident, you can expect your premiums to go up. How much your insurance increases will vary between insurance companies, and the increase will generally stay on your driving record for three years following your claim. If you have multiple accidents and traffic violations, there’s a chance your insurance company may not renew your policy.

The average cost of car insurance for drivers with an at-fault accident in Missouri is $226 per month for full coverage and $118 for liability-only coverage.

The table below highlights the insurance companies that offer the lowest average rates for drivers with an accident.

Cheapest car insurance quotes for drivers with a DUI: USAA

Driving while under the influence can have serious consequences, and insurance companies take this seriously. Having a DUI can greatly increase your insurance premiums and potentially result in other serious consequences.

In Missouri, if you hurt or kill someone because you were driving under the influence, you risk the following:

• Two to seven years in jail

• A $5,000 fine

• Loss of your license for five years

The average cost of car insurance for drivers with a DUI in Missouri is $282 per month for full coverage and $147 for liability only.

The following table provides the lowest rates for car insurance in Missouri for drivers with a DUI.

Cheapest car insurance quotes for seniors: USAA

Age is one of the variables insurers use to determine your insurance premiums. While insurance is high among young drivers, premiums tend to decrease for drivers older than 25.

Drivers 55 years and older often experience reduced insurance costs. This is attributed to driving less, having safer driving behaviors, and taking advantage of age-related discounts.2

Then, around age 70, the cost of insurance starts to increase again. One reason is that drivers 70 and older have higher fatal crash rates largely due to their increased vulnerability in a crash.

The average monthly cost of car insurance for senior drivers in Missouri is $147 for full coverage and $76 for liability only.

The table below highlights the insurance companies in Missouri offering car insurance for seniors.

Cheapest car insurance quotes for teens: USAA

Teen drivers present the highest risk to insurance companies, with a fatal crash rate almost three times as high as drivers age 20 and older. A combination of factors, including inexperience, distracted driving, and speeding, contribute to teen drivers’ higher levels of risk.

The average cost of car insurance for teen drivers in Missouri is $327 per month for full-coverage car insurance and $170 for liability only. 

To reduce the amount you pay for insurance as a teen driver, consider the following tips:

• Stay on your parents’ insurance plan. It’s generally cheaper to join your parents’ insurance plan than to purchase one on your own. 

• Look for teen driver discounts. Many insurance companies offer discounts to teen drivers, such as good student discounts for teens who maintain a certain average, as well as discounts for teens who take driver training courses.

• Drive a safe car. The type of car you drive can also affect your insurance premiums. Cars with high-quality safety equipment might help you qualify for cheaper insurance.

The table below highlights Missouri insurance companies offering the cheapest car insurance for teenagers.

Missouri car insurance quotes by credit tier

Insurance companies in Missouri are allowed to use your credit history in determining your car insurance rates.3 Studies suggest that how you manage your finances is a predictor of how likely you are to file an insurance claim. Generally, excellent or good credit will result in a lower insurance premium, while poor credit can increase the cost.

The table below provides average monthly quotes for each credit tier.

Car insurance rates across Missouri cities

The city you live in in Missouri has a big influence on your overall car insurance rate. That’s because insurance companies take into account the traffic levels, weather patterns, and vehicle crime rates in your geographical area when setting your car insurance rate. The table below gives you an idea of the average car insurance rates in Missouri based on where you live.

Missouri car insurance FAQs