Nerdy takeaways
Shelter offers the cheapest full coverage in Missouri, with an average rate of $1,747 per year according to NerdWallet's May 2025 analysis.
Full coverage in Missouri costs an average of $2,816 per year, or $235 per month.
If you want the cheapest policy possible, get minimum coverage. The average cost of minimum coverage in Missouri is $703 per year, or $59 per month.
Auto insurance is an important purchase, but finding cheap car insurance in Missouri isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Keep reading to find the cheapest car insurance in Missouri for different driver profiles and coverage types among:
Cheap car insurance in Missouri
Here's the cheapest full coverage car insurance in Missouri for 35-year-old drivers with different driving records.
| Category | Cheapest company | Median annual rate |
|---|---|---|
| Clean driving history | Shelter | $1,747 |
| After a DUI | Travelers | $2,285 |
| After an accident | Travelers | $2,156 |
| After a speeding ticket | Missouri Farm Bureau | $1,963 |
| Having poor credit | GEICO | $2,686 |
The cheapest car insurance company in Missouri is Shelter at $1,747 per year on average, or $146 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Missouri. Meanwhile, the average cost of full coverage car insurance in Missouri is $2,816 per year, or about $235 per month.
Minimum coverage in Missouri is $703 per year on average, but we found you can likely get a cheaper policy. For example, Missouri Farm Bureau offers the cheapest rates in Missouri at $358 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.
Did your rates go up? Auto insurance prices are on the rise in Missouri. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.
If you’re looking for the cheapest car insurance in your area, NerdWallet analyzed rates for some of the largest Missouri cities, including:
How we chose the cheapest companies in Missouri
NerdWallet’s editorial team analyzed car insurance rates from 17 auto insurers in Missouri and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2022 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Missouri. For full coverage, we used the below coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
- Why you can trust NerdWallet
Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Missouri where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.
Cheap auto insurance in Missouri for 20-year-old drivers
Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.
Cheapest full coverage car insurance in Missouri for 20-year-olds
Drivers in Missouri with clean driving records may want to consider the following companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $3,161 | $263 |
| GEICO | $3,761 | $313 |
| Shelter | $4,202 | $350 |
| American Family | $4,516 | $376 |
| Missouri Farm Bureau | $4,557 | $380 |
Cheapest minimum coverage car insurance in Missouri for 20-year-olds
Drivers in Missouri who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $796 | $66 |
| Progressive | $868 | $72 |
| Missouri Farm Bureau | $890 | $74 |
| GEICO | $1,034 | $86 |
| Shelter | $1,204 | $100 |
Cheapest car insurance in Missouri for 20-year-olds with poor credit
Drivers with poor credit in Missouri should look at the following insurers with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $1,190 | $99 |
| GEICO | $1,386 | $116 |
| Progressive | $1,409 | $117 |
| Missouri Farm Bureau | $1,522 | $127 |
| Safeco | $1,630 | $136 |
Cheapest car insurance in Missouri for 20-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Missouri, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $941 | $78 |
| Travelers | $951 | $79 |
| Progressive | $1,019 | $85 |
| GEICO | $1,256 | $105 |
| Shelter | $1,416 | $118 |
Cheapest car insurance in Missouri for 20-year-old drivers with one at-fault crash
For drivers with a recent accident in Missouri, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $1,032 | $86 |
| Progressive | $1,086 | $90 |
| Missouri Farm Bureau | $1,298 | $108 |
| Shelter | $1,616 | $135 |
| GEICO | $1,657 | $138 |
Cheapest car insurance in Missouri for 20-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Progressive | $1,003 | $84 |
| Travelers | $1,111 | $93 |
| Missouri Farm Bureau | $1,196 | $100 |
| Shelter | $1,898 | $158 |
| GEICO | $1,966 | $164 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Cheap auto insurance in Missouri for 30-year-old drivers
By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.
Cheapest full coverage car insurance in Missouri for 30-year-olds
Drivers in Missouri seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $1,837 | $153 |
| Missouri Farm Bureau | $1,908 | $159 |
| GEICO | $2,013 | $168 |
| Shelter | $2,103 | $175 |
| American Family | $2,414 | $201 |
Cheapest minimum coverage car insurance in Missouri for 30-year-olds
Drivers in Missouri who want their state's minimum coverage can check with the following companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $358 | $30 |
| GEICO | $472 | $39 |
| Travelers | $485 | $40 |
| Safeco | $500 | $42 |
| Progressive | $537 | $45 |
Cheapest car insurance in Missouri for 30-year-olds with poor credit
Drivers with poor credit in Missouri should consider the following companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $603 | $50 |
| GEICO | $665 | $55 |
| Safeco | $666 | $56 |
| Travelers | $743 | $62 |
| Progressive | $904 | $75 |
Cheapest car insurance in Missouri for 30-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Missouri, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $378 | $31 |
| Travelers | $565 | $47 |
| Safeco | $566 | $47 |
| GEICO | $603 | $50 |
| Progressive | $648 | $54 |
Cheapest car insurance in Missouri for 30-year-old drivers with one at-fault crash
For drivers in Missouri with a recent accident, here are the lowest average rate options for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $516 | $43 |
| Travelers | $601 | $50 |
| Safeco | $634 | $53 |
| Progressive | $730 | $61 |
| State Farm | $794 | $66 |
Cheapest car insurance in Missouri for 30-year-old drivers after a DUI
For the cheapest auto insurance after a DUI, we found the following options for minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $476 | $40 |
| Progressive | $628 | $52 |
| Travelers | $635 | $53 |
| American Family | $819 | $68 |
| State Farm | $908 | $76 |
Cheap auto insurance in Missouri for 40-year-old drivers
Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.
Cheapest full coverage car insurance in Missouri for 40-year-olds
Drivers in Missouri with clean driving records may want to think about the following companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Travelers | $1,630 | $136 |
| Shelter | $1,634 | $136 |
| Missouri Farm Bureau | $1,908 | $159 |
| GEICO | $1,975 | $165 |
| American Family | $2,414 | $201 |
Cheapest minimum coverage car insurance in Missouri for 40-year-olds
Drivers in Missouri who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $358 | $30 |
| Travelers | $454 | $38 |
| GEICO | $472 | $39 |
| Safeco | $486 | $41 |
| Shelter | $505 | $42 |
Cheapest car insurance in Missouri for 40-year-olds with poor credit
Drivers with poor credit in Missouri can check out the following insurers with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $603 | $50 |
| Safeco | $648 | $54 |
| GEICO | $665 | $55 |
| Travelers | $695 | $58 |
| Progressive | $862 | $72 |
Cheapest car insurance in Missouri for 40-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Missouri, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $378 | $31 |
| Safeco | $550 | $46 |
| Travelers | $555 | $46 |
| Shelter | $591 | $49 |
| GEICO | $603 | $50 |
Cheapest car insurance in Missouri for 40-year-old drivers with one at-fault crash
For drivers with a recent accident living in Missouri, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $516 | $43 |
| Travelers | $591 | $49 |
| Safeco | $630 | $53 |
| Progressive | $692 | $58 |
| Shelter | $736 | $61 |
Cheapest car insurance in Missouri for 40-year-old drivers after a DUI
The cheapest minimum coverage auto insurance we found for drivers with a DUI came from the following companies.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $476 | $40 |
| Progressive | $592 | $49 |
| Travelers | $624 | $52 |
| American Family | $819 | $68 |
| Shelter | $862 | $72 |
Cheap auto insurance in Missouri for 50-year-old drivers
Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.
Cheapest full coverage car insurance in Missouri for 50-year-olds
Drivers in Missouri with clean driving records may want to get quotes from these insurers, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Shelter | $1,394 | $116 |
| Travelers | $1,585 | $132 |
| Missouri Farm Bureau | $1,797 | $150 |
| GEICO | $2,040 | $170 |
| American Family | $2,256 | $188 |
Cheapest minimum coverage car insurance in Missouri for 50-year-olds
Drivers in Missouri who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $324 | $27 |
| Shelter | $429 | $36 |
| Travelers | $454 | $38 |
| Safeco | $454 | $38 |
| Progressive | $479 | $40 |
Cheapest car insurance in Missouri for 50-year-olds with poor credit
Drivers with poor credit in Missouri can check with the following companies, which showed the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $545 | $45 |
| Safeco | $602 | $50 |
| Travelers | $695 | $58 |
| GEICO | $722 | $60 |
| Progressive | $820 | $68 |
Cheapest car insurance in Missouri for 50-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Missouri, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $342 | $29 |
| Shelter | $501 | $42 |
| Safeco | $516 | $43 |
| Travelers | $554 | $46 |
| Progressive | $578 | $48 |
Cheapest car insurance in Missouri for 50-year-old drivers with one at-fault crash
For drivers living in Missouri with a recent accident, here are the insurers with the lowest average minimum coverage rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $466 | $39 |
| Travelers | $591 | $49 |
| Safeco | $608 | $51 |
| Shelter | $643 | $54 |
| Progressive | $662 | $55 |
Cheapest car insurance in Missouri for 50-year-old drivers after a DUI
The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $431 | $36 |
| Progressive | $559 | $47 |
| Travelers | $624 | $52 |
| Shelter | $752 | $63 |
| American Family | $803 | $67 |
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Cheap auto insurance in Missouri for 60-year-old drivers
Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.
Cheapest full coverage car insurance in Missouri for 60-year-olds
Drivers in Missouri with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Shelter | $1,347 | $112 |
| Travelers | $1,438 | $120 |
| Missouri Farm Bureau | $1,797 | $150 |
| GEICO | $2,050 | $171 |
| Progressive | $2,134 | $178 |
Cheapest minimum coverage car insurance in Missouri for 60-year-olds
Drivers in Missouri who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $324 | $27 |
| Shelter | $415 | $35 |
| Travelers | $440 | $37 |
| Progressive | $460 | $38 |
| Safeco | $474 | $40 |
Cheapest car insurance in Missouri for 60-year-olds with poor credit
Drivers with poor credit in Missouri can look at the following companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $545 | $45 |
| Safeco | $628 | $52 |
| Travelers | $667 | $56 |
| GEICO | $722 | $60 |
| Progressive | $788 | $66 |
Cheapest car insurance in Missouri for 60-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Missouri, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $342 | $29 |
| Shelter | $485 | $40 |
| Safeco | $540 | $45 |
| Travelers | $555 | $46 |
| Progressive | $557 | $46 |
Cheapest car insurance in Missouri for 60-year-old drivers with one at-fault crash
For drivers with a recent accident living in Missouri, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $466 | $39 |
| Travelers | $591 | $49 |
| Shelter | $622 | $52 |
| Progressive | $637 | $53 |
| Safeco | $680 | $57 |
Cheapest car insurance in Missouri for 60-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $431 | $36 |
| Progressive | $537 | $45 |
| Travelers | $626 | $52 |
| Shelter | $727 | $61 |
| American Family | $803 | $67 |
Cheap auto insurance in Missouri for 70-year-old drivers
Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.
Cheapest full coverage car insurance in Missouri for 70-year-olds
Drivers in Missouri with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Shelter | $1,495 | $125 |
| Travelers | $1,546 | $129 |
| Missouri Farm Bureau | $1,718 | $143 |
| Progressive | $2,115 | $176 |
| GEICO | $2,250 | $187 |
Cheapest minimum coverage car insurance in Missouri for 70-year-olds
Drivers in Missouri who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $341 | $28 |
| Shelter | $459 | $38 |
| Safeco | $474 | $40 |
| Progressive | $487 | $41 |
| Travelers | $498 | $42 |
Cheapest car insurance in Missouri for 70-year-olds with poor credit
Drivers with poor credit in Missouri can look at the following companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $574 | $48 |
| Safeco | $628 | $52 |
| Travelers | $763 | $64 |
| Progressive | $828 | $69 |
| GEICO | $872 | $73 |
Cheapest car insurance in Missouri for 70-year-old drivers with one speeding ticket
For drivers with a recent speeding ticket in Missouri, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $360 | $30 |
| Shelter | $536 | $45 |
| Safeco | $540 | $45 |
| Progressive | $606 | $50 |
| Travelers | $654 | $55 |
Cheapest car insurance in Missouri for 70-year-old drivers with one at-fault crash
For drivers with a recent accident living in Missouri, here are the companies with the lowest average rates for minimum coverage:
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $490 | $41 |
| Shelter | $689 | $57 |
| Travelers | $703 | $59 |
| Progressive | $708 | $59 |
| Safeco | $748 | $62 |
Cheapest car insurance in Missouri for 70-year-old drivers after a DUI
The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.
| Company | Median annual rate | Median monthly rate |
|---|---|---|
| Missouri Farm Bureau | $454 | $38 |
| Progressive | $568 | $47 |
| Travelers | $745 | $62 |
| Shelter | $806 | $67 |
| State Farm | $906 | $76 |
Cheapest car insurance for military families in Missouri
If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.
Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 64 of the 70 driver profiles we examined.
Minimum required auto insurance in Missouri
Missouri law requires drivers to carry liability insurance and uninsured motorist bodily injury coverage in the following amounts:
$25,000 bodily injury liability per person.
$50,000 bodily injury liability per crash.
$25,000 property damage liability per crash.
$25,000 uninsured motorist coverage per person.
$50,000 uninsured motorist coverage per accident.
While these limits will satisfy legal requirements, it’s wise for most drivers to get more than the bare essentials. The minimum car insurance might not be enough to fully cover accident costs, and the remaining balance would have to come out of your own pocket.
Visit NerdWallet’s guide to car insurance requirements by state for more detail on how your coverages work.
Alternative car insurance in Missouri
High-risk drivers who are denied car insurance on the open market can apply for coverage through the Missouri Automobile Insurance Plan.
And for more help searching for cheap car insurance in Missouri, try out NerdWallet’s car insurance comparison tool to easily peruse estimates from around the state.
METHODOLOGY
For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.
For full coverage policies, we used the following coverage limits:
$100,000 bodily injury liability per person.
$300,000 bodily injury liability per accident.
$50,000 property damage liability per accident.
$100,000 uninsured motorist coverage per person.
$300,000 uninsured motorist coverage per accident.
Collision coverage with a $1,000 deductible.
Comprehensive coverage with a $1,000 deductible.
In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.
We used a 2022 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.
We analyzed rates for drivers 20 to 70 years old in 10-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.
We used the same assumptions for all other driver profiles, with the following exceptions:
For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.
We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.
For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.
For drivers with a DUI, we added a single drunken driving violation that happened six months ago.
We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.
These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
