How to find the cheapest car insurance quotes in Missouri
Navigating the number of car insurance companies in Missouri can feel like next to impossible.
Between the sheer amount of providers and their endless lists of rating factors, finding the best car insurance coverage for you can quickly get overwhelming.
The fact of the matter is, there’s no single “cheapest” insurance provider out there for all Missourians. Every insurance company uses its own distinct approach to calculating rates, resulting in personalized insurance quotes for every driver.
So how do you find cheap rates? The answer lies in comparing car insurance quotes from multiple providers—and that’s where Jerry can help.
Jerry Insurance Agency is a reliable partner for insurance shoppers. We take the hassle out of finding the perfect insurance policy by gathering quotes on your behalf.
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Nationwide | $69 | Tony, 30, Columbia, MO | Mazda Mx-5 Miata Grand Touring | 100/300 | Yes |
| Nationwide | $158 | Clara, 28, Lee'S Summit, MO | Jeep Compass Limited | 50/100 | Yes |
| State Auto | $186 | Isabelle, 68, Riverside, MO | Kia Soul | 50/100 | Yes |
| Progressive | $98 | Estelle, 79, Springfield, MO | Chevrolet Spark Ls | State Minimum | Yes |
| Clearcover | $224 | Gary, 57, Festus, MO | Ford Fusion Sel | 50/100 | Yes |
Cheapest car insurance companies in Missouri
Which auto insurance company can offer the best rate in Missouri? Jerry performed the largest insurance shopping survey in the nation to find the answer.
Our survey results restate the fact that there is no “best” or “cheapest” insurer out there for everyone.
When it comes to shopping for the lowest car insurance rates, your best bet is to compare quotes from multiple companies that are customized to you—you might be surprised which insurance companies offer the best prices.
For instance, even though State Farm holds the largest market share in the state of Missouri, our customers only rated it 3.3/5 for policy cost satisfaction.
Our survey shows that the following insurers are rated highest for cost satisfaction in Missouri:
- Gainsco
- Nationwide
- ROOT
- State Auto
- The General
Explore the experiences and feedback from Missouri drivers concerning these insurers and others:
| Insurance Company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Amica | October 31, 2024 | 5 | “These guys are the cheapest in town. They’ve given me at three to $400 discount. I cannot find cheap insurance anywhere else.” -Eugene |
| Bristol West | October 27, 2024 | 5 | “Cheap car insurance with good coverage!! Mad I was paying so much for other providers “ -Milton |
| Progressive | October 19, 2024 | 5 | “I was paying 220 for full coverage thru state farm but swapping over to clear cover I instantly started saving 100$ a month.” -Amy |
| AAA | October 18, 2024 | 5 | “Had my daughters car towed twice and it was seem less. Also after being only with them for 6 months they have reduced my insurance.” -Myra |
| AAA | October 18, 2024 | 5 | “I have used AAA for a long time, and it has always given me great rates and saved me money.” -Essie |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Jerry’s free insurance comparison app simplifies comparing car insurance rates from multiple companies. With over 100+ licensed insurance agents, Jerry can also offer personalized service alongside our easy-to-use platform for comparing quotes.
Minimum car insurance requirements for liability and full coverage in Missouri
In Missouri, all drivers are obligated to carry minimum liability coverage and uninsured motorist coverage. But the choice to obtain full coverage, which can provide enhanced protection for both driver and vehicle, depends on individual circumstances and personal wants.
Cheapest minimum liability coverage in Missouri
Missouri’s minimum car insurance requirements include $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $10,000 in property damage liability coverage per accident. This amount of coverage is more simply expressed as 25/50/10.
Additionally, drivers must also carry at least $25,000 per person and $50,000 per accident in Missouri uninsured motorist bodily injury coverage (UMBI).
With Jerry’s assistance, car owners in Missouri have successfully secured the required minimum liability coverage at a reduced expense.
Do you need more than the minimum liability insurance coverage in Missouri?
Generally speaking: yes. If you can afford it, you will be better served by a policy that includes higher coverage limits.
Put simply, once your insurance limits have been exhausted, your provider won’t offer additional assistance for accident-related expenses. This means that you may be responsible for covering any remaining costs out-of-pocket.
Cheapest full coverage Missouri auto insurance quotes
To protect yourself from expenses related to vehicle repairs or replacements, a full coverage car insurance policy is highly recommended.
Full coverage policies generally include comprehensive and collision coverage, in addition to meeting your state’s minimum insurance requirements. Comprehensive coverage addresses costs associated with non-collision incidents such as theft or vandalism, while collision coverage takes care of repairs to your vehicle following an accident.
Given the additional protection they provide, full coverage policies are typically required by lenders on financed or leased vehicles. While a full-coverage premium may entail higher upfront costs, the added peace of mind may justify the additional expense.
Discover how Jerry’s agents have helped customers find the most budget-friendly full coverage policies:
|
Insurance Coverage
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| 100/300 | Yes | Nationwide | $69 | Tony, 30, Columbia, MO | Mazda Mx-5 Miata Grand Touring |
| 50/100 | Yes | Nationwide | $158 | Clara, 28, Lee'S Summit, MO | Jeep Compass Limited |
| 50/100 | Yes | State Auto | $186 | Isabelle, 68, Riverside, MO | Kia Soul |
| State Minimum | Yes | Progressive | $98 | Estelle, 79, Springfield, MO | Chevrolet Spark Ls |
| 50/100 | Yes | Clearcover | $224 | Gary, 57, Festus, MO | Ford Fusion Sel |
Average rates for minimum liability coverage and full coverage car insurance in Missouri
Jerry’s experience with Missouri policyholders shows that drivers in the Show-Me State pay more for car insurance coverage than the national average.
Specifically, the estimated cost of full coverage insurance in Missouri is around $167 per month, or $1,999 per year. Minimum liability insurance, on the other hand, costs approximately $121 per month, or $1,447 per year.
Insurance averages may be useful in helping you predict your own insurance costs—but keep in mind that exactly what you pay for coverage will come down to personal factors, such as your demographics, discount eligibility, location, and more.
Missouri car insurance: Additional coverages
Drivers can enhance their level of protection by purchasing supplementary coverages for an additional premium. Important optional types of car insurance in Missouri include:
- Medical payments
- Personal injury protection (PIP)
- Rental reimbursement
- Roadside assistance
- Uninsured/underinsured motorist coverage (UM/UIM)
Note that uninsured motorist coverage is a legal stipulation for all drivers in Missouri—but purchasing higher coverage limits is usually a good idea.
If you drive a leased or financed car, you should consider purchasing gap coverage. This type of insurance provides financial protection by covering the “gap” between your remaining loan balance and the actual cash value of your vehicle, in the event that the car is lost or stolen.
On the other hand, if you find yourself frequently borrowing or renting vehicles, a non-owner car insurance policy may be a better choice. This type of policy provides you with liability coverage regardless of the vehicle you are driving—although it won’t cover repairs to the vehicle.
Learn more: Types of insurance
Car insurance premium by rating factors
Car insurance companies consider a number of rating factors when determining your insurance premium. Rating factors are based on risk-related characteristics and can include:
- Your driving record / claims history: Drivers with a history of accidents or violations often face higher premiums.
- Your demographics: Age, gender, and marital status can impact the cost of your insurance.
- Your location: City dwellers often face higher premiums due to elevated crime rates and higher population density.
- Your mileage: A higher annual mileage can lead to increased insurance costs.
- The make / model of your car: Luxury and high-performance vehicles typically have higher rates for collision and comprehensive coverage.
- Your credit score: Good credit scores are typically associated with lower insurance rates, even for identical coverage.
Cheapest Missouri car insurance after a driving violation
As one of the primary rating factors impacting your car insurance costs, your Missouri driving record holds significant weight. Insurance companies deem individuals with a history of violations as higher-risk policyholders, leading to potential increases in insurance costs.
Cheapest car insurance for Missouri drivers with a speeding ticket
Receiving a speeding ticket can have a negative impact on your car insurance rates. In Missouri, car insurance costs can jump as much as 17% following a speeding violation.
Jerry has successfully assisted drivers with various speeding tickets in saving on their car insurance premiums.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Speeding 11-15 | Progressive | $478 | Mabelle, 33, Kansas City, MO | 50/100 | Yes |
| Speeding Violation-Minor | Progressive | $107 | Maud, 26, Columbia, MO | State Minimum | No |
| Speeding Violation-Minor | Progressive | $102 | Jacob, 23, Bonne Terre, MO | State Minimum | No |
| Speeding 11-15 | State Auto | $187 | Beatrice, 32, Saint Charles, MO | 50/100 | Yes |
| Speeding 11-15 | Kemper | $181 | Della, 62, Farmington, MO | State Minimum | Yes |
How to find cheap Missouri auto insurance after a DUI
In Missouri, a DUI conviction can seriously impact your insurance rates. Insurers categorize drivers with DUI convictions as high-risk and may charge steep rates for coverage—or choose not to insure you at all.
Having a Missouri DUI offense on your record can mean you see lots of variations in auto insurance rates among different insurance companies. Jerry has helped many drivers find the best coverage options following a DUI:
Missouri SR-22 insurance
Drivers who have serious traffic violations on their record, such as reckless driving or a DWI/DUI charge, may need to obtain Missouri SR-22 insurance before reinstating their driver’s license in Missouri. SR-22s are documents that prove that you possess the necessary liability insurance mandated by the state of Missouri.
Cheapest Missouri auto Insurance after an at-fault accident
Similar to your driving record, your accident history also holds a significant influence over your car insurance rates.
Insurance companies will take into account your history of at-fault accidents to assess the level of risk you pose. Recent at-fault accidents could result in considerable increases in insurance rates.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| At Fault With No Injury | Progressive | $98 | Estelle, 79, Springfield, MO | State Minimum | Yes |
| At Fault With No Injury | Gainsco | $496 | Lois, 58, Joplin, MO | State Minimum | Yes |
| Not At Fault | Travelers | $111 | Gertrude, 77, O Fallon, MO | 100/300 | Yes |
| At Fault With No Injury | Progressive | $199 | Jerry, 49, Sainte Genevieve, MO | State Minimum | Yes |
| Not At Fault | Progressive | $301 | Lura, 82, Independence, MO | State Minimum | Yes |
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Is Missouri an “at-fault” state?
Cheapest auto insurance after other violations in Missouri
There are various different types of driving violations that can result in increased car insurance expenses in Missouri. The good news is, Jerry has helped drivers reduce their car insurance costs even after receiving driving violations.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Other Minor | Progressive | $98 | Estelle, 79, Springfield, MO | State Minimum | Yes |
| Other Minor | Nationwide | $214 | Lelia, 42, Saint Louis, MO | 50/100 | Yes |
| Failure to Yield | Progressive | $527 | Ivan, 50, St. Louis, MO | 100/300 | Yes |
| Other Minor | Nationwide | $224 | Della, 38, Webb City, MO | 100/300 | Yes |
| Other Minor | Progressive | $256 | Donald, 27, Kansas City, MO | State Minimum | No |
Cheapest Missouri auto insurance based on insurance history
Your insurance history, like your driving record, is a significant rating factor in the eyes of insurance companies. Specifically, insurers will look at how long you have been insured and whether you’ve experienced any lapses in coverage.
Cheapest car insurance for drivers with poor credit
Your credit score can mean the difference between higher or lower insurance costs.
While having bad credit doesn’t necessarily imply being a bad driver, it can still lead to higher insurance rates. That’s because insurance providers have noticed a connection between lower credit scores and a higher likelihood of filing claims.
Consequently, having a lower credit score can result in increased annual premiums. Based on our data, drivers with poor credit scores (below 550) typically face car insurance rates that are roughly 20% higher compared to those with credit scores above 750.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| 660-750 | Clearcover | $224 | Gary, 57, Festus, MO | Ford Fusion Sel | 50/100 | Yes |
| 550-659 | Gainsco | $496 | Lois, 58, Joplin, MO | Chevrolet Tahoe C1500 Ls | State Minimum | Yes |
| 660-750 | Bristol West | $452 | Louise, 65, Saint Louis, MO | Chevrolet Silverado C1500 Classic | 100/300 | Yes |
| <550 | Dairyland | $164 | Lloyd, 34, Rockaway Beach, MO | Ford Escape Xls | State Minimum | Yes |
| 550-659 | Bristol West | $611 | Lelia, 40, St. Louis, MO | Gmc Envoy Denali Xl | 50/100 | Yes |
Cheapest Missouri car insurance by age
In Missouri, teenage drivers face higher car insurance costs compared to any other age group in the state. Seniors over the age of 60 may also notice higher rates.
Cheapest Missouri car insurance for young drivers
Elevated insurance rates for new drivers are partly due to teen drivers’ limited driving history, along with increased risks of accidents. As teenage drivers mature into young adults, however, their rates gradually start to decline.
When it comes to novice drivers hitting the road, a full coverage policy can provide the best protection. Jerry specializes in assisting teen drivers locate the most affordable options for full-coverage policies.
Learn more: The best cheap car insurance for teens
Cheapest Missouri car insurance for senior drivers
Similar to teenage drivers, car insurance rates for senior drivers are typically higher than the national average. Insurers consider senior drivers high-risk because:
- Senior drivers have a higher likelihood of being involved in car accidents
- Accidents involving senior drivers typically result in more severe injuries and increased medical expenses
How to find car insurance discounts in Missouri for your motor vehicle
Another key rating factor for your insurance premium is the type of car you drive. Costs associated with the type of car you drive include repair or replacement expenses, the likelihood of theft, and the overall safety track record of the vehicle.
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|
| Honda Accord Exl | Kemper | $159 | Henry, 34, Wildwood, MO | State Minimum | Yes |
| Toyota Corolla Eco | Progressive | $495 | Mildred, 45, Grandview, MO | State Minimum | No |
| Toyota Corolla Im | Nationwide | $131 | Lloyd, 52, Saint Louis, MO | State Minimum | Yes |
| Toyota Corolla L | Kemper | $205 | Jimmy, 37, Saint Clair, MO | State Minimum | Yes |
| Toyota Corolla Base | Kemper | $242 | Jimmy, 52, Fulton, MO | 100/300 | Yes |
Learn more: How to get car insurance before buying a car
Is it cheaper to insure a new car or a used car?
Newer vehicles often come with pricier repair costs—which can be reflected in higher insurance costs. For this reason, older or used vehicles are typically cheaper to insure.
How to find cheap car insurance in Missouri in your city
Where you live can also impact your insurance premium—right down to your zip code. Insurance companies consider factors including population density, accident rates, crime stats, and weather conditions when calculating your premium.
|
City
|
Customer
|
Insurance Company
|
Premium (monthly)
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Columbia, MO | Tony | Nationwide | $69 | Mazda Mx-5 Miata Grand Touring | 100/300 | Yes |
| Lee'S Summit, MO | Clara | Nationwide | $158 | Jeep Compass Limited | 50/100 | Yes |
| Riverside, MO | Isabelle | State Auto | $186 | Kia Soul | 50/100 | Yes |
| Springfield, MO | Estelle | Progressive | $98 | Chevrolet Spark Ls | State Minimum | Yes |
| Festus, MO | Gary | Clearcover | $224 | Ford Fusion Sel | 50/100 | Yes |
How to lower the cost of car insurance in Missouri
If you’re unhappy with the rate you currently pay for car insurance coverage, you’re not out of luck. There are a variety of ways you can lower your insurance costs in Missouri:
- Compare quotes from three to five insurance companies to find the best deal
- Bundle your auto insurance with other types of coverage, such as your homeowner’s insurance, to receive a discounted rate on each policy
- Work on improving/maintaining a good credit score (650+)
- Consider choosing a higher deductible on your collision and comprehensive coverages
- Ask your provider about insurance discounts. Popular available discounts include good driver, good student, and low annual mileage discounts
- Take an approved defensive driving course to earn a discount on your premium
- Consider dropping collision and comprehensive coverage on older or rarely driven vehicles
Why is car insurance so expensive in Missouri?
Your car insurance costs in Missouri may feel expensive due to:
- High population density cities
- Many uninsured drivers on the roads
- Expensive healthcare costs
- Increased repair costs
- Greater highway density (i.e. number of cars on the road)
- Rate of car thefts
FAQ
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What are Missouri’s car insurance requirements?
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What is the average cost of a car insurance in Missouri?
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What is the recommended level of coverage in Missouri?
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What company has the cheapest rates in Missouri?
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Does insurance follow the car or the driver in Missouri?
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Is it illegal to drive without insurance in Missouri?
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Do you need insurance to register a car in Missouri?
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
