The Cheapest Car Insurance in Missouri for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Missouri for a variety of ages and driving histories.
Dec 8, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Missouri isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Missouri is $1,760 per year, or about $147 per month, according to NerdWallet’s analysis. Minimum coverage in Missouri is $537 per year on average, but we found you can likely get a cheaper policy. For example, Columbia offers the cheapest rates in Missouri at $296 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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Cheapest car insurance company overall in Missouri

Missouri Farm Bureau

$105/month

Not yet rated.

Cheapest for minimum coverage

Columbia

$25/month

Not yet rated.

Cheapest for young drivers

$197/month

5.0

NerdWallet rating 

Cheapest for drivers with poor credit

Columbia

$105/month

Not yet rated.

How we chose the cheapest companies in Missouri

NerdWallet’s editorial team analyzed car insurance rates from 16 auto insurers in Missouri and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. 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.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find 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:

  1. American Family: $2,365 per year, or about $197 per month.

  2. Geico: $2,466 per year, or about $206 per month.

  3. State Farm: $2,777 per year, or about $231 per month.

  4. Missouri Farm Bureau: $2,821 per year, or about $235 per month.

  5. Encompass: $2,833 per year, or about $236 per month.

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:

  1. Geico: $712 per year, or about $59 per month.

  2. Columbia: $753 per year, or about $63 per month.

  3. Missouri Farm Bureau: $761 per year, or about $63 per month.

  4. Electric Insurance: $791 per year, or about $66 per month.

  5. State Farm: $835 per year, or about $70 per month.

Cheapest auto 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:

  1. Columbia: $921 per year, or about $77 per month.

  2. Geico: $1,002 per year, or about $84 per month.

  3. Allstate: $1,254 per year, or about $104 per month.

  4. Missouri Farm Bureau: $1,302 per year, or about $108 per month.

  5. Encompass: $1,529 per year, or about $127 per month.

Cheapest auto 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:

  1. Missouri Farm Bureau: $848 per year, or about $71 per month.

  2. Electric Insurance: $859 per year, or about $72 per month.

  3. Columbia: $968 per year, or about $81 per month.

  4. State Farm: $1,083 per year, or about $90 per month.

  5. Geico: $1,118 per year, or about $93 per month.

Cheapest auto 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.

  1. Electric Insurance: $846 per year, or about $70 per month.

  2. Missouri Farm Bureau: $1,023 per year, or about $85 per month.

  3. Allstate: $1,161 per year, or about $97 per month.

  4. Progressive: $1,207 per year, or about $101 per month.

  5. State Farm: $1,290 per year, or about $108 per month.

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Cheapest 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 with clean driving records may get the lowest rates from these companies:

  1. Missouri Farm Bureau: $1,265 per year, or about $105 per month.

  2. Electric Insurance: $1,416 per year, or about $118 per month.

  3. Geico: $1,422 per year, or about $118 per month.

  4. Encompass: $1,441 per year, or about $120 per month.

  5. State Farm: $1,503 per year, or about $125 per month.

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:

  1. Columbia: $296 per year, or about $25 per month.

  2. Missouri Farm Bureau: $327 per year, or about $27 per month.

  3. Electric Insurance: $374 per year, or about $31 per month.

  4. Geico: $400 per year, or about $33 per month.

  5. State Farm: $405 per year, or about $34 per month.

Cheapest auto 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 full coverage:

  1. Columbia: $1,798 per year, or about $150 per month.

  2. Encompass: $1,933 per year, or about $161 per month.

  3. Geico: $1,993 per year, or about $166 per month.

  4. Missouri Farm Bureau: $2,128 per year, or about $177 per month.

  5. Electric Insurance: $2,247 per year, or about $187 per month.

Cheapest auto 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 full coverage:

  1. Missouri Farm Bureau: $1,365 per year, or about $114 per month.

  2. Electric Insurance: $1,528 per year, or about $127 per month.

  3. American Family: $1,657 per year, or about $138 per month.

  4. State Farm: $1,746 per year, or about $146 per month.

  5. Columbia: $1,940 per year, or about $162 per month.

Cheapest auto 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 full coverage.

  1. Electric Insurance: $1,524 per year, or about $127 per month.

  2. Missouri Farm Bureau: $1,564 per year, or about $130 per month.

  3. State Farm: $1,970 per year, or about $164 per month.

  4. American Family: $1,982 per year, or about $165 per month.

  5. Progressive: $2,025 per year, or about $169 per month.

Cheapest 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:

  1. Missouri Farm Bureau: $1,265 per year, or about $105 per month.

  2. Electric Insurance: $1,338 per year, or about $112 per month.

  3. Columbia: $1,389 per year, or about $116 per month.

  4. Geico: $1,403 per year, or about $117 per month.

  5. Encompass: $1,441 per year, or about $120 per month.

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:

  1. Columbia: $289 per year, or about $24 per month.

  2. Missouri Farm Bureau: $327 per year, or about $27 per month.

  3. Electric Insurance: $332 per year, or about $28 per month.

  4. Geico: $402 per year, or about $34 per month.

  5. State Farm: $407 per year, or about $34 per month.

Cheapest auto 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 full coverage:

  1. Columbia: $1,662 per year, or about $138 per month.

  2. Encompass: $1,933 per year, or about $161 per month.

  3. Geico: $1,962 per year, or about $164 per month.

  4. Missouri Farm Bureau: $2,128 per year, or about $177 per month.

  5. Electric Insurance: $2,224 per year, or about $185 per month.

Cheapest auto 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 full coverage:

  1. Missouri Farm Bureau: $1,365 per year, or about $114 per month.

  2. Electric Insurance: $1,441 per year, or about $120 per month.

  3. American Family: $1,511 per year, or about $126 per month.

  4. State Farm: $1,707 per year, or about $142 per month.

  5. Columbia: $1,813 per year, or about $151 per month.

Cheapest auto insurance in Missouri for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Electric Insurance: $1,450 per year, or about $121 per month.

  2. Missouri Farm Bureau: $1,564 per year, or about $130 per month.

  3. American Family: $1,799 per year, or about $150 per month.

  4. Progressive: $1,866 per year, or about $156 per month.

  5. State Farm: $1,925 per year, or about $160 per month.

Cheapest 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 the best cheap car 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:

  1. Missouri Farm Bureau: $1,186 per year, or about $99 per month.

  2. Electric Insurance: $1,203 per year, or about $100 per month.

  3. Columbia: $1,275 per year, or about $106 per month.

  4. Geico: $1,287 per year, or about $107 per month.

  5. Encompass: $1,293 per year, or about $108 per month.

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:

  1. Columbia: $266 per year, or about $22 per month.

  2. Missouri Farm Bureau: $296 per year, or about $25 per month.

  3. Electric Insurance: $309 per year, or about $26 per month.

  4. Geico: $380 per year, or about $32 per month.

  5. State Farm: $404 per year, or about $34 per month.

Cheapest auto 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 full coverage:

  1. Columbia: $1,523 per year, or about $127 per month.

  2. Encompass: $1,731 per year, or about $144 per month.

  3. Geico: $1,805 per year, or about $150 per month.

  4. Electric Insurance: $1,989 per year, or about $166 per month.

  5. Missouri Farm Bureau: $1,993 per year, or about $166 per month.

Cheapest auto 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 full coverage rates:

  1. Missouri Farm Bureau: $1,279 per year, or about $107 per month.

  2. Electric Insurance: $1,290 per year, or about $108 per month.

  3. American Family: $1,387 per year, or about $116 per month.

  4. State Farm: $1,651 per year, or about $138 per month.

  5. Columbia: $1,701 per year, or about $142 per month.

Cheapest auto 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 full coverage.

  1. Electric Insurance: $1,302 per year, or about $108 per month.

  2. Missouri Farm Bureau: $1,464 per year, or about $122 per month.

  3. American Family: $1,649 per year, or about $137 per month.

  4. Progressive: $1,710 per year, or about $142 per month.

  5. State Farm: $1,867 per year, or about $156 per month.

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Cheapest 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 auto 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:

  1. Electric Insurance: $1,152 per year, or about $96 per month.

  2. Missouri Farm Bureau: $1,186 per year, or about $99 per month.

  3. Geico: $1,246 per year, or about $104 per month.

  4. Encompass: $1,257 per year, or about $105 per month.

  5. Columbia: $1,304 per year, or about $109 per month.

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:

  1. Columbia: $274 per year, or about $23 per month.

  2. Missouri Farm Bureau: $296 per year, or about $25 per month.

  3. Electric Insurance: $301 per year, or about $25 per month.

  4. Geico: $379 per year, or about $32 per month.

  5. State Farm: $386 per year, or about $32 per month.

Cheapest auto 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 full coverage:

  1. Columbia: $1,561 per year, or about $130 per month.

  2. Encompass: $1,683 per year, or about $140 per month.

  3. Geico: $1,740 per year, or about $145 per month.

  4. Electric Insurance: $1,902 per year, or about $158 per month.

  5. Missouri Farm Bureau: $1,993 per year, or about $166 per month.

Cheapest auto 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 full coverage:

  1. Electric Insurance: $1,236 per year, or about $103 per month.

  2. Missouri Farm Bureau: $1,279 per year, or about $107 per month.

  3. American Family: $1,335 per year, or about $111 per month.

  4. State Farm: $1,538 per year, or about $128 per month.

  5. Columbia: $1,816 per year, or about $151 per month.

Cheapest auto 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 full coverage.

  1. Electric Insurance: $1,252 per year, or about $104 per month.

  2. Missouri Farm Bureau: $1,464 per year, or about $122 per month.

  3. American Family: $1,594 per year, or about $133 per month.

  4. Progressive: $1,637 per year, or about $136 per month.

  5. State Farm: $1,757 per year, or about $146 per month.

Cheapest car insurance for military families

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 43 of the 48 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 bodily injury coverage per person.

  • $50,000 uninsured motorist bodily injury 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 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

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.

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