Cheapest Insurance in Missouri 2021

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Missouri has a strong, competitive insurance market and average insurance costs in the state tend to fall slightly below the national average. But if you’re looking for the most affordable coverage, you’ll still want to consider quotes from various insurance companies.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Missouri. And if you want to learn more about car insurance rates in Missouri, keep reading
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Here’s how much real Jerry customers saved in Missouri when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
June 18, 2021Kia Sorento LXSaint Louis41AllstateCurrent$255/mo.$125/mo.
August 10, 2021Mercedes-Benz C 300 4MaticKansas City20ClearCoverBasic$220/mo.$185/mo.
June 7, 2021Chevrolet Equinox LTKansas City27TravelersStandard$235/mo.$209/mo.
November 6, 2020Hyundai Elantra SEKansas City22NationwideCurrent$280/mo.$223/mo.
December 7, 2020BMW 328 Ic AutomaticKansas City47Bristol WestCustom$260/mo.$233/mo.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Missouri.

Cheapest minimum coverage car insurance in Missouri

The minimum required insurance coverage varies depending on your state laws. In Missouri, drivers must have the following:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $10,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Missouri:
Before Jerry
After Jerry
$2,547$1,542
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Additional coverages you might want to consider when shopping for car insurance in Missouri

Risk factorCoverage to consider
Severe weatherMissouri is prone to tornadoes and flood-causing thunderstorms. Comprehensive insurance covers physical damage to your vehicle as a result of weather events.
High population densityIn cities like Kansas City and St. Louis, high population densities mean an increased risk of accidents. Collision insurance protects your vehicle if you’re in an accident and need repairs.
Bodily injury and property damage liability insurance are mandatory in Missouri, but it’s a good idea to get additional coverage if you can afford it.

Best carriers for minimum coverage car insurance in Missouri

If you get behind the wheel of your car without the mandatory minimum insurance in Missouri, you could be subject to penalties including license and registration suspension, driving record points, fines of up to $500, and up to 15 days in jail.
Thankfully, premiums in Missouri are quite affordable and there’s no reason to drive uninsured.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Missouri:
Insurance Company
Before Jerry
After Jerry
Nationwide$1,704$784
Safeco$1,788$936
Allstate$2,069$987
National General$1,560$1,439
Progressive$2,607$1,604

Cheapest full coverage car insurance in Missouri

Minimum liability insurance in Missouri doesn’t include collision or comprehensive insurance, which means there is no protection for your own vehicle.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$2,907$2,134
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Best carriers for full coverage car insurance in Missouri

Nearly every insurance company in Missouri offers more than just basic liability insurance, so it shouldn’t be difficult for you to find affordable full coverage insurance.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Missouri:
Insurance Company
Before Jerry
After Jerry
Progressive$2,403$1,920
Kemper$2,714$1,942
Allstate$2,517$2,038
Travelers$3,508$2,492
Minimum liability coverage is sufficient to drive in Missouri, but securing full coverage can provide you with peace of mind and greater financial protection.

Cost to insure your car in Missouri by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Driver’s education is no longer offered in Missouri schools and it’s difficult to adequately prepare inexperienced drivers before they hit the road. Teen drivers are involved in a disproportionate number of car accidents, and it’s this risk that accounts for the high rates from insurance companies.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,413$1,688
21-24$2,610$1,664
25-34$2,380$1,498
35-44$2,353$1,499
45-54$2,388$1,476
55-64$2,440$1,512
65+$2,933$1,691
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Cost of insurance for drivers in Missouri with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In Missouri, points stay on your record for three years, leading insurance companies to label you a high-risk driver and raise your insurance rates accordingly.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,635$1,795
Speeding over 15$2,908$1,653
Driving on Sus. License$2,632$1,923
DUI$2,220$2,157
Speeding under 15$3,230$2,218
Failure to Obey Traffic Sign$3,270$2,225
Wrong Way/Wrong Lane$2,400$2,244
Careless Driving$6,355$2,410
Improper Passing$3,169$2,507
Illegal Turn$3,456$3,100

Best carriers for drivers with infractions in Missouri

Insurance Company
Before Jerry
After Jerry
State Auto$2,124$1,188
Travelers$2,540$1,783
Nationwide$2,164$1,854
Allstate$3,156$1,977
Progressive$2,820$2,006
Kemper$2,794$2,250
Safeco$3,598$2,565
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Cost of insurance for young drivers in Missouri with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Missouri’s three-step graduated licensing system is designed to help reduce the risk factors that most affect young drivers, including driving at night, with multiple passengers, distracted and without seatbelts. Even still, rates remain high since insurance companies must take on so much additional risk to insure a young driver with a violation on their record.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$3,024$2,048
Careless Driving$2,079$756
Driving on Sus. License$2,517$1,436
Speeding over 15$3,569$2,134
Wrong Way/Wrong Lane$2,400$2,244
Speeding under 15$3,610$2,501
Failure to Obey Traffic Sign$4,055$2,716
Improper Passing$3,316$2,761
Other$5,258$3,915
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Missouri, check out these top carriers.

Best carriers for young drivers with infractions in Missouri

Insurance Company
Before Jerry
After Jerry
Allstate$2,640$1,678
Travelers$3,426$2,243
Progressive$3,637$2,632
Safeco$4,524$2,809
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Missouri

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Missouri.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Multi-vehicle discountInsuring multiple vehicles on the same policy can result in significant savings—often up to 30%, depending on your insurance company.
Accident-free discountIf you have no chargeable accidents on your record for the last three years, you may receive a discounted premium. The discount may increase after you’ve been accident free for six years, and again after 10 years, up to 25% depending on the insurer.
Bundled policy discountBundling your auto and home insurance can save you up to 20% on each policy. Other bundles may include renter’s, condo, or life insurance.
Good student discountFull-time students up to the age of 24 who maintain at least a B average can save up to 25% on insurance premiums.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Missouri?

The eco-conscious, midsize Chevy Malibu sedan is the most popular car in Missouri, perhaps because it’s practical, comfortable, and affordable to insure.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Honda Civic LX$1,829$1,301
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Cheapest car insurance in Missouri by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Missouri’s insurance rates remain fairly low thanks to the strong and competitive insurance market. Missouri residents are spoiled for choice when it comes to their insurance company, and this helps keep rates down for everyone.
City
Before Jerry
After Jerry
Kansas City$3,403$2,285
Saint Louis$3,297$2,179
Springfield$2,393$1,730
Florissant$3,947$2,250
Independence
$2,224$1,564
Saint Ann
$3,353$2,129
Columbia
$1,964$1,418
Wentzville
$3,089$2,350
Maryville
$3,406$2,000
Rolla
$1,939$1,593

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.

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