Cheap Auto Insurance in Missouri for 2025 (Top 10 Companies for Savings)
Nationwide, State Farm, and Geico offer the best cheap auto insurance in Missouri, with Nationwide leading the way at just $23 per month. These companies offer low insurance rates in MO, intense claims satisfaction, and reliable coverage, making them ideal choices for affordable protection.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Feb 21, 2025
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19,116 reviewsNationwide, State Farm, and Geico offer the best options for cheap auto insurance in Missouri, with Nationwide providing the lowest rates at just $23 per month.
These top insurers deliver affordability, reliable coverage, and strong customer satisfaction. Whether you need basic protection or full coverage car insurance, they offer competitive plans to fit your budget.
Our Top 10 Company Picks: Cheap Auto Insurance in Missouri
| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $23 | A+ | Claims Handling | Nationwide |
 | #2 | $30 | B | Personalized Service | State Farm |
 | #3 | $32 | A++ | Online Tools | Geico |
 | #4 | $35 | A+ | Snapshot Program | Progressive |
 | #5 | $37 | A | Customer Service | American Family |
 | #6 | $40 | A++ | Rural Drivers | Travelers |
 | #7 | $45 | A | High-Risk Drivers | The General |
 | #8 | $46 | A | Multi-Policy Discounts | Liberty Mutual |
 | #9 | $48 | A | Bundling Policies | Farmers |
 | #10 | $52 | A+ | Accident Forgiveness | Allstate |
Compare rates to find the best deal and keep your costs below the average Missouri car insurance costs. Find the best auto insurance rates no matter how much coverage you need by entering your ZIP code into our comparison tool today.
#1 – Nationwide: Top Overall Pick
Pros
- Low Monthly Premiums: Nationwide provides affordable car insurance in Missouri at $23 monthly, which is an economical option for drivers looking for dependable and affordable coverage.
- Dependable Claims Service: Missouri drivers trust Nationwide’s claims service for reliability and prompt assistance during difficult times, giving them peace of mind after accidents.
- Distinguished Financial Strength: Supported by an A+ A.M. Best rating, guarantees Missouri policyholders their claims will be paid promptly, allowing financial solidity when things are most difficult.
Cons
- Fewer Options for Savings: According to the Nationwide auto insurance review, drivers may find fewer discount opportunities, limiting potential savings despite low monthly premiums.
- Basic Online Features: Nationwide’s online tools are functional but lack innovation compared to competitors, which can frustrate tech-savvy Missouri drivers managing policies or claims online.
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#2 – State Farm: Best for Personalized Service
Pros
- Personalized Service: State Farm’s large network of agents ensures Missouri motorists have a high degree of personalized service, with attention to their specific needs and coverage.
- Affordable Premiums: State Farm offers low-cost auto insurance Missouri motorists can count on, with $30 monthly that offers reliable coverage at a cost that is appropriate for most budgets.
- Customizable Options: Flexible coverage options allow Missouri motorists to adapt their State Farm policies to carry only those protections they desire, keeping the overall insurance more economical.
Cons
- Lower Financial Rating: According to State Farm auto insurance review, the company’s B rating with A.M. Best concerns Missouri drivers prioritizing best-in-class financial stability to pay claims.
- Limited Digital Features: State Farm’s digital tools lag behind competitors, which could be a disadvantage for Missouri drivers preferring to manage their insurance policies conveniently online.
#3 – Geico: Best for Online Tools
Pros
- Convenient Online Features: Geico’s website is very easy to use, providing Missouri drivers with easy-to-use tools and hassle-free claims submission.
- High Financial Rating: Geico has an A++ financial rating, providing Missouri drivers with good stability and ensuring timely and secure payment of claims for policyholders in any circumstance.
- Budget-Friendly Rates: Geico provides affordable auto insurance in Missouri, with $32 per month, making it a great choice for drivers seeking cost-effective and dependable coverage.
Cons
- Limited Local Agent Assistance: According to the Geico auto insurance review, Missouri drivers who prefer in-person help may find Geico’s local agent presence insufficient in some areas.
- Steep Prices for Inexperienced Drivers: While Geico offers competitive rates for experienced drivers, young or inexperienced Missouri drivers may face significantly higher premiums.
#4 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program Savings: Progressive’s Snapshot gives safe drivers a discount, lowers the price of car insurance in Missouri, and encourages good driving behavior.
- Aggressive Claims Process: Progressive is renowned for its streamlined claims process, allowing Missouri motorists to get their settlements quickly and back on the road sooner after accidents.
- Detailed Coverage Options: The broad selection of coverage options available through Progressive, including gap insurance and rental car reimbursement, is attractive to Missouri motorists.
Cons
- Usage-Based Pricing: Emphasized in the Progressive auto insurance review, Snapshot’s monitoring is found to be intrusive by some Missouri drivers, particularly if they value more privacy.
- Above Average Rates for High-Risk Drivers: Progressive’s high-risk Missouri driver rates tend to be higher than those of other companies, which might discourage those with bad driving histories.
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#5 – American Family: Best for Customer Service
Pros
- Exceptional Customer Service: Missouri motorists applaud the American Family for its committed service, offering personalized aid and reliable assistance to policyholders in case of claims.
- Discount Options: American Family provides multiple discounts, including bundling and good student savings, enabling motorists to save money on Missouri car insurance rates and charges.
- Personalized Coverage: Missouri drivers have the option to personalize their American Family policies so that they pay only for the coverage they need and not for extras they do not.
Cons
- Higher Premiums: According to the American Family auto insurance review, the company’s $37 monthly premium is higher than some competitors, which may deter budget-conscious drivers.
- Limited Availability of Discounts: Some Missouri drivers may not qualify for American Family’s more specialized discounts, reducing the overall potential for significant savings.
#6 – Travelers: Best for Rural Drivers
Pros
- Great for Rural Drivers: Travelers excel at catering to rural Missouri motorists with policies that meet distinct coverage requirements, delivering sound choices for motorists in less-dense areas.
- Exceptional Financial Stability: Boasting an A++ A.M. Best rating, Travelers assures Missouri motorists can rely on timely payment of claims, even in unforeseen circumstances.
- Multi-Car Discounts: Missouri drivers can save significantly by insuring multiple vehicles under a single policy with Travelers, making it a cost-effective choice for families.
Cons
- Limited Local Presence: Highlighted in the Travelers auto insurance review, the company’s smaller local agent network may be inconvenient for Missouri drivers who prefer in-person service.
- Above-Average Rates: Travelers with a $40 monthly premium may not appeal to budget-conscious drivers seeking affordable Missouri car insurance options.
#7 – The General: Best for High-Risk Drivers
Pros
- Perfect for High-Risk Drivers: The General is renowned for offering cheap coverage options specifically designed to address drivers who have a history of high-risk accidents.
- Payment Plans: The General provides Missouri motorists with several flexible payment options, which facilitate easier management of premiums during the policy term.
- No-Fuss Online Services: Missouri motorists can use The General’s straightforward online tools to quickly obtain quotes, manage policies, and handle claims without unnecessary complications.
Cons
- Higher Average Premiums: According to The General auto insurance review, Missouri drivers experience an average of $45 monthly, which is higher than typical car insurance rates in Missouri.
- Limited Discounts: The General’s discount offerings are limited, reducing its appeal to Missouri drivers seeking significant savings through bundling or other specialized discount options.
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#8 – Liberty Mutual: Best for Multi-Policy Discounts
Pros
- Multi-Policy Discounts: Liberty Mutual offers great saving opportunities for Missouri motorists insuring home and automobile policies, providing substantial cost savings.
- Strong Financial Strength: An A rating guarantees Missouri motorists that Liberty Mutual is financially solid and capable of settling claims promptly, even in stressful circumstances.
- Unique Coverage Add-Ons: Extras like accident forgiveness and better car replacement make Liberty Mutual appealing for Missouri drivers seeking more than basic coverage options.
Cons
- Higher Premiums: According to the Liberty Mutual auto insurance review, the average car insurance cost in Missouri is higher, with drivers paying around $46/month, which may deter budget-conscious individuals.
- Average Customer Support: Liberty Mutual’s customer service receives mixed reviews from Missouri drivers, who report varying experiences with claims and policy management.
#9 – Farmers: Best for Bundling Policies
Pros
- Great Bundling Discounts: Farmers treat Missouri drivers to discounts for bundling home and auto insurance, making it a great option for those who want to streamline their coverage.
- Local Agent Network: Farmers’ extensive Missouri network provides drivers with local support, making them feel secure about their coverage and claims service.
- Specialized Coverage Options: Farmers provides add-ons such as rideshare coverage and new car replacement for Missouri drivers who need customized insurance solutions.
Cons
- High Monthly Rates: As mentioned in the Farmers auto insurance review, the company’s $48 monthly premium is steep, making it less suitable for those seeking cheap Missouri auto insurance.
- Limited Online Tools: Farmers’ digital platform lacks advanced features, making it less convenient for Missouri drivers who prefer managing their insurance policies online.
#10 – Allstate: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Missouri drivers can avoid premium increases after their first accident thanks to Allstate’s accident forgiveness feature, which offers peace of mind after unexpected incidents.
- Wide Range of Discounts: Allstate provides Missouri drivers with numerous savings opportunities, including safe driver rewards, good student discounts, and multi-policy bundling options.
- Comprehensive Mobile App: Allstate’s innovative mobile app enables Missouri drivers to efficiently handle policies, submit claims, and enjoy beneficial features for a seamless overall experience.
Cons
- Higher Premiums: Emphasized in the Allstate auto insurance review, Missouri drivers pay $52 each month, which is the highest among top providers in the state.
- Mixed Claims Reviews: Some report slower claims processing, which is a drawback if you’re seeking the cheapest car insurance in Missouri with faster service.
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Missouri Car Insurance Coverage and Rates
Missouri drivers have many insurance options. Nationwide offers minimum coverage for $23, while State Farm and Geico provide full coverage at $85 and $90. The average cost of car insurance in Missouri depends on coverage and personal factors.
Missouri Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $52 | $148 |
| $37 | $106 |
| $48 | $135 |
| $32 | $90 |
| $46 | $129 |
| $23 | $66 |
| $35 | $98 |
| $30 | $85 |
| $45 | $120 |
| $40 | $114 |
High-risk drivers with accidents or violations often face higher premiums and need specialized policies. Although expensive, these policies provide legal compliance and essential protection for drivers who need it most in Missouri.
Companies such as Farmers and Allstate assist drivers in obtaining affordable, balanced coverage. Shopping around can assist both regular and high-risk drivers in getting the best value for their automobile insurance requirements.
Driving in Missouri Accident and Claims
Driving in Missouri presents risks, as shown by accident and claim statistics across cities. St. Louis leads with 12,500 accidents, while Kansas City follows at 9,800. Smaller cities, like St. Charles, report fewer incidents.
Missouri Accidents & Claims per Year by City
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Columbia | 3,200 | 2,800 |
| Independence | 4,100 | 3,700 |
| Jefferson City | 1,500 | 1,300 |
| Kansas City | 9,800 | 8,900 |
| Springfield | 5,600 | 5,100 |
| St. Charles | 2,900 | 2,600 |
| St. Louis | 12,500 | 11,400 |
Meeting minimum car insurance requirements is vital to protecting yourself, especially in areas with heavy traffic. These statistics highlight how educated decisions prevent accidents and provide proper coverage.
Missouri insurance claims show the risks that drivers face. Collision claims account for 35% of total claims and cost $4,200, while comprehensive claims at 25% average $2,800 per claim in the state.
5 Common Auto Insurance Claims in Missouri
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Collision | 35% | $4,200 |
| Comprehensive | 25% | $2,800 |
| Bodily Injury | 18% | $15,600 |
| Property Damage | 12% | $3,100 |
| Personal Injury | 10% | $9,500 |
Drivers looking for cheap Missouri car insurance need to factor these risks into their decision on coverage. Balancing cost and protection ensures you’re prepared for financial and personal impacts from unexpected accidents.
Missouri Car Insurance Companies Best Discounts
Missouri drivers can save big with various discounts offered by top insurers. Allstate provides perks like the safe driver discount, while Geico offers savings for military members and new vehicle owners.
Auto Insurance Discounts From the Top Providers in Missouri
| Insurance Company | Available Discounts |
|---|---|
| Early Signing Discount, Deductible Rewards, Safe Driving Club Discount, Multi-Policy Discount |
| Steer into Savings Discount, Teen Safe Driver Discount, Loyalty Discount, Defensive Driving Discount |
| Homeowner Discount, Good Student Discount, Signal by Farmers Discount, Bundling Discount |
| Military Discount, Good Driver Discount, Multi-Policy Discount, New Vehicle Discount |
| New Graduate Discount, RightTrack Discount, Paperless Billing Discount, Anti-Theft Discount |
| SmartRide Discount, Accident-Free Discount, Family Plan Discount, Multi-Policy Discount |
| Multi-Policy Discount, Homeowner Discount, Continuous Insurance Discount, Snapshot Program Discount |
| Safe Driver Discount, Multi-Car Discount, Defensive Driving Course Discount, Good Student Discount |
| Double Deductible Discount, Low-Mileage Discount, Multi-Car Discount, Paid-in-Full Discount |
| IntelliDrive Program Discount, Multi-Policy Discount, Continuous Insurance Discount, Good Payer Discount |
Farmers reward good students and homeowners, and the American Family supports teen drivers and loyal customers. Companies like Progressive and Liberty Mutual add bundling and anti-theft savings to help drivers reduce costs.
State Farm and The General provide affordable options for those seeking cheap Missouri car insurance companies. Their low-mileage, multi-car, and pay-in-full discounts ensure both cost savings and practical coverage.
Missouri Report Card: Auto Insurance Discounts
| Discount Name | Grade | Savings | Participating Providers |
|---|---|---|---|
| Safe Driver | A | 30% | State Farm, Geico, Allstate, Progressive |
| Multi-Policy | A- | 25% | Farmers, Liberty Mutual, Nationwide |
| Good Student | B+ | 20% | American Family, USAA, State Farm |
| Anti-Theft Device | B | 15% | Travelers, Progressive, Allstate |
| Low Mileage | B- | 10% | Geico, Nationwide, Farmers |
Comparing discounts like good student incentives, multi-policy savings, and safe driver programs is essential. Finding a supplier who satisfies your needs can maximize savings and offer you comfort.
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Insurance Core Coverage and Premiums in Missouri
Missouri offers plenty of options for auto insurance, with varying costs depending on coverage. In 2015, the average annual cost for liability was $415.88, while comprehensive was $181.27. Rates today are likely higher.
| Coverage Type | Annual Costs (2015) |
|---|---|
| Liability | $415.88 |
| Collision | $275.28 |
| Comprehensive | $181.27 |
| Combined | $872.43 |
Liability insurance is legally required in the state, but additional coverage like collision and comprehensive provides better protection. For cheap liability car insurance in Missouri, comparing quotes is essential.
Missouri’s insurance market is competitive, with many discounts to help drivers save. Knowing how to lower your auto insurance premiums, like raising deductibles or bundling, is key to cutting costs.
Missouri Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Availability | A | Many insurers, competitive rates. |
| Discounts & Savings Options | A- | Good discounts available. |
| Affordability | B | Moderate premiums vs. national avg. |
| Consumer Satisfaction | B- | Mixed reviews on claims. |
| Rate Stability | C+ | Premiums fluctuate. |
While affordability remains moderate, premiums hover slightly above the national average. Consumer satisfaction and rate stability still need improvement, but Missouri drivers can find the right coverage.
Finding Affordable Insurance Options Across Missouri Cities
Finding affordable insurance in Missouri doesn’t have to be complicated. Whether you live in Columbia, Independence, Kansas City, or Springfield, this guide outlines five steps to help you secure the best rates and coverage.
5 Steps to Find the Cheapest Insurance in Your City
- Evaluate Your Coverage Needs: Decide if you need basic liability or additional protection, such as comprehensive and collision coverage, to cover accidents, theft, or weather damage.
- Compare Rates Online: Use comparison tools to find providers offering cheap auto insurance in Columbia, MO, or other cities in Missouri. Focus on plans that meet your coverage requirements.
- Check Provider Reputation: Assess customer testimonials to see if the insurer has an efficient claims mechanism and satisfactory service.
- Ask about Discounts: Seek discounts offered for safe driving, multi-policies, or good credit.
- Opt for a City-Targeted Plan: Plans from Columbia, Independence, Kansas City, and Springfield providers typically cater to inhabitants of those regions. Pick one that has the best value.
Here are the procedures to protect your funds and obtain cheap coverage. Missouri offers a wide range of options, so you may find a plan that meets your needs and budget. To guarantee the best prices, compare now.
Missouri Auto Insurance Minimum Coverage
Missouri follows fault vs. no-fault auto insurance laws, implying that the driver at fault for an accident has to pay for the damages. In no-fault states, each person files a claim with their insurer. Missouri requires liability insurance to drive legally.
Drivers must carry at least $25,000 for injuries per person, $50,000 per accident, and $10,000 for property damage. Liability coverage only pays for damages caused to others—it won’t cover the at-fault driver’s own vehicle repairs or medical expenses.
Nationwide stands out in Missouri not just for its strong coverage options, but for offering accident forgiveness and vanishing deductibles—valuable perks that help drivers avoid unexpected premium hikes after a claim.
Chris Abrams Licensed Insurance Agent
Although it helps reduce financial risks, liability insurance has limits. If accident costs exceed coverage, the driver pays the rest. Many choose extra protection since car insurance rates in Missouri vary by coverage, history, and other factors.
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Cheap Auto Insurance in Missouri: Smart Ways to Save
To get cheap car insurance in Missouri, compare carriers offering competitive rates and full coverage. Nationwide and Geico are companies that offer affordable Missouri insurance to save drivers money. Discounts, defensive driving, and bundling methods can all save money.
The 10-minute auto insurance buying guide helps drivers compare coverage, deductibles, and discounts. While minimum coverage is cheaper, full coverage offers better protection. Find the best auto insurance company near you by entering your ZIP code into our free quote tool.
Frequently Asked Questions
What factors affect car insurance rates in Missouri?
Rates depend on driving history, location, age, credit score, and coverage level. Urban areas and high-risk drivers typically pay more. Look at our factors that affect your car insurance premium for expanded insights.
How can I lower my Missouri car insurance premiums?
Increase deductibles, bundle policies, maintain a clean record, and use discounts like a safe driver or full payment savings.
What is the difference between minimum and full coverage in Missouri?
Minimum coverage meets state requirements but won’t cover your damages. Full coverage includes comprehensive and collision protection.
Are there discounts for young drivers in Missouri?
Yes, insurers offer good student, safe driver, and driver education discounts. Adding them to a family policy can also lower costs. Dive into our how to teach your teen to drive to gain a deeper insight.
How can high-risk drivers find affordable insurance in Missouri?
Compare quotes from specialized insurers, take defensive driving courses, and consider usage-based insurance to reduce costs. Start comparing total coverage auto insurance rates by entering your ZIP code here.
What’s the best insurance provider for rural Missouri drivers?
Travelers and American Family offer competitive rates for rural areas, where lower traffic and accident risks often mean cheaper premiums.
Do rideshare drivers need special insurance in Missouri?
Yes, standard policies don’t cover ridesharing. Companies like Farmers and Progressive offer coverage for Uber and Lyft drivers. Explore our cheap rideshare insurance for more insights.
What does an A++ financial rating mean for an insurance company?
It indicates strong financial stability, ensuring the insurer can pay claims reliably, even in widespread disasters. Get fast and cheap auto insurance coverage today with our quote comparison tool.
How does Missouri’s fault-based system affect claims?
Missouri operates a fault system, with the driver who caused the accident having to pay the damages. You can choose to present a claim to their insurance or make use of your own if you have cheap, full-coverage car insurance in Missouri.
How do insurance rates vary between Missouri cities?
Rates are higher in cities like St. Louis due to traffic and theft. Smaller towns and rural areas usually have lower premiums. Read more in our how accidents change your car insurance rate.