The best cheap car insurance in Missouri

The best cheap car insurance in Missouri

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective. Terms apply to offers listed on this page. Read our editorial standards. Car insurance isn’t…

Personal Finance Insider writes about products, strategies, and tips to help you make smart decisions with your money. We may receive a small commission from our partners, like American Express, but our reporting and recommendations are always independent and objective. Terms apply to offers listed on this page. Read our editorial standards.


Car insurance

isn’t all that expensive in Missouri. According to the Insurance Information Institute, premiums average $869 per year, below the US national average of $935 per year. Even though it’s affordable, there’s still one big way to save: shopping around

Car insurance companies price your premium based on a variety of factors. Car insurance companies consider your location, age, gender, and driving record to calculate rates for premiums. Other factors like credit score, marital status, vehicle type, previous coverage, and miles driven can all play a role in the amount you’ll pay for coverage.

Minimum car liability insurance requirements in Missouri

In the US, drivers must have liability coverage. If you’re involved in an accident, liability insurance covers damage you cause to the other vehicle, driver, and passengers. If you finance or lease your car, your lender probably requires comprehensive and collision coverage

The two main components of liability insurance are bodily injury and property damage, which most states require. Liability insurance also includes uninsured motorist and underinsured motorist coverage to protect you when an at-fault driver hits you and they have no coverage or not enough coverage.

According to the Insurance Information Institute, Missouri requires bodily, property, and uninsured coverage. Missouri minimum liability requirements are 25/50/25 — up to $25,000 of injury protection for each person involved in an accident, up to $50,000 worth of injuries per incident, and up to $25,000 of property damages per incident. 

Best cheap car insurance in Missouri based on credit score

Consumer Reports compiled pricing formulas from every insurance company in all 50 states. According to its data, credit scores play a large role in the cost of car insurance coverage. Here are the three most affordable car insurance companies in Missouri, along with the average cost of coverage for a single adult driver. 

Best car insurance for Missouri drivers with a clean record

For a driver in Missouri age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:

*USAA is only for active military, veterans, and their families.

Above data obtained from Savvy, based on 1,910 policyholders in the state of Missouri 

Best car insurance for Missouri drivers with one or more accidents 

For a driver in Missouri age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:

Above data obtained from Savvy, based on 1,910 policyholders in the state of Missouri 

Average premiums for seniors and teen drivers in Missouri

The table below shows the average senior and teen drivers can expect to pay in Missouri. Because teen drivers are new drivers with little driving history and more prone to accidents, their rates are high. Most insurance companies offer discounts to teen drivers for good grades or taking driving safety classes.

Senior drivers typically see an uptick in car insurance premiums as they age, but not as much of an increase as new or teen drivers. If you’re still driving in your 60s and 70s, there are ways to negotiate cheaper auto insurance rates, like pay-per-mile usage.

Data provided by Goosehead Insurance

Missouri car insurance rates by city

Below is the estimated average annual premium of


auto insurance

policies per household in Missouri’s most populous cities:

Data from S&P Global Market Intelligence

Best car insurance in Missouri based on customer satisfaction

Customer satisfaction with car insurance providers may factor into your decision. Five factors make up customer satisfaction: billing process and policy information; claims; interaction; policy offerings; and price. According to a 2021 survey by J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Central region (which includes Missouri):

The following are the most popular car insurance companies in Missouri, based on the percentage of insured Missouri drivers who use them:

*USAA is only for active military, veterans, and their families.

Data from S&P Global Market Intelligence

Who gets the best cheap car insurance in Missouri? 

Drivers with the best credit score will see the best price on car insurance. Raising your credit score could be one way to save.

Another way to save is to shop around — every insurance company prices policies differently, and no two policies are the same. Prices vary greatly depending on whether you get liabilitycomprehensive, or collision coverage.

Consider the amount of coverage and the types of coverage listed on your quote. Remember, you’re looking for the most coverage for your money. Don’t forget to look at the deductible or the amount you’ll pay out of pocket if you get into an accident.

Liz Knueven

Personal Finance Reporter

Liz was a reporter at Insider, primarily covering personal-finance topics. 
Before joining Insider, she wrote about financial and automotive topics as a freelancer for brands like LendingTree and Credit Karma. 
She earned her bachelor’s degree in writing from The Savannah College of Art and Design. She lives and works in Cincinnati, Ohio. Find her on Twitter at @lizknueven.


Ronda Lee was formerly an associate editor for insurance at Personal Finance Insider covering life, auto, homeowners, and renters insurance for consumers. Before joining Business Insider, she was a contributing writer at HuffPost with featured articles in politics, education, style, black voices, and entrepreneurship. She was also a freelance writer for PolicyGenius. She worked as an attorney practicing insurance defense and commercial litigation. 


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