Best car insurance companies in Missouri

Fact-checked with HomeInsurance.com

    Article Highlights

    For drivers looking for the best car insurance in Missouri, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Missouri and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Missouri.

    The average Missouri driver pays $1,954 per year for insurance, which breaks down to about $162 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.

    While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Missouri and may not reflect your actual premium quote.

    Missouri Quickfacts

    • Cheapest carrier for full coverage in Missouri is USAA: $1,315
    • Cheapest carrier for minimum coverage in Missouri is Missouri Farm Bureau: $354
    • Carrier with highest customer satisfaction in Missouri: USAA
    • Number of uninsured drivers in Missouri: 14.0%
    • Missouri is on the higher end for car insurance rates

    Average cost of car insurance in Missouri

    Clean record 1 speeding ticket 1 accident
    Full coverage$1,955$2,132$2,181
    Minimum coverage$688$831$1,011

    Quadrant data services, 2020

    Best car insurance companies in Missouri

    Average annual premiums by insurance carrier

    Company Full coverage rate Minimum coverage rate
    Allstate$2,452$1,049
    GEICO$2,531$688
    Farmers$1,649$513
    Progressive$2,138$717
    State Farm$1,797$628
    USAA$1,315$395
    American Family$1,430$707
    AAA$3,076$993
    Shelter$2,659$881
    Missouri Farm Bureau$1,585$354

    Quadrant data services, 2020

    Car insurance rates in Missouri by city

    City Full coverage annual rate Minimum coverage annual rate
    Kansas City$2,101$729
    St. Louis$2,097$882
    Springfield$1,866$679
    Columbia$1,815$590
    Independence$2,015$690

    Quadrant data services, 2020

    Methodology

    Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.

    Best car insurance companies… Read Next Best car insurance companies…