Cheap Car Insurance in Missouri – September 2023

Missouri Farm Bureau offers the cheapest car insurance in Missouri, with an average monthly rate of $98 for full coverage.
Ben Moore
By Ben Moore  
Updated
Edited by Lacie Glover  

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Table of Contents

Table of Contents

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.

The cheapest car insurance company in Missouri is Missouri Farm Bureau at $1,175 per year on average, or $98 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 $2,705 per year, or about $225 per month.

Minimum coverage in Missouri is $738 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 $268 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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 19 auto insurers in Missouri and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2020 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.

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.

Cheapest 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:

  1. Missouri Farm Bureau: $2,702 per year, or about $225 per month.
  2. State Farm: $3,019 per year, or about $252 per month.
  3. American Family: $3,034 per year, or about $253 per month.
  4. Travelers: $3,181 per year, or about $265 per month.
  5. Progressive: $3,848 per year, or about $321 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. Missouri Farm Bureau: $650 per year, or about $54 per month.
  2. Columbia: $889 per year, or about $74 per month.
  3. Travelers: $889 per year, or about $74 per month.
  4. State Farm: $916 per year, or about $76 per month.
  5. Progressive: $1,002 per year, or about $83 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: $1,106 per year, or about $92 per month.
  2. Missouri Farm Bureau: $1,110 per year, or about $92 per month.
  3. Travelers: $1,366 per year, or about $114 per month.
  4. Progressive: $1,592 per year, or about $133 per month.
  5. Geico: $1,625 per year, or about $135 per month.

Cheapest auto 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:

  1. Missouri Farm Bureau: $687 per year, or about $57 per month.
  2. Columbia: $1,018 per year, or about $85 per month.
  3. State Farm: $1,055 per year, or about $88 per month.
  4. Travelers: $1,079 per year, or about $90 per month.
  5. Progressive: $1,147 per year, or about $96 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: $724 per year, or about $60 per month.
  2. Travelers: $1,134 per year, or about $94 per month.
  3. Columbia: $1,144 per year, or about $95 per month.
  4. State Farm: $1,181 per year, or about $98 per month.
  5. Progressive: $1,247 per year, or about $104 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. Missouri Farm Bureau: $872 per year, or about $73 per month.
  2. Progressive: $1,090 per year, or about $91 per month.
  3. Travelers: $1,287 per year, or about $107 per month.
  4. State Farm: $1,391 per year, or about $116 per month.
  5. Electric Insurance: $1,618 per year, or about $135 per month.

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 who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Missouri Farm Bureau: $1,175 per year, or about $98 per month.
  2. State Farm: $1,468 per year, or about $122 per month.
  3. Columbia: $1,839 per year, or about $153 per month.
  4. American Family: $1,860 per year, or about $155 per month.
  5. Travelers: $1,976 per year, or about $165 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. Missouri Farm Bureau: $268 per year, or about $22 per month.
  2. Columbia: $342 per year, or about $28 per month.
  3. State Farm: $380 per year, or about $32 per month.
  4. Progressive: $515 per year, or about $43 per month.
  5. Travelers: $562 per year, or about $47 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. Missouri Farm Bureau: $1,972 per year, or about $164 per month.
  2. Columbia: $2,371 per year, or about $198 per month.
  3. State Farm: $2,513 per year, or about $209 per month.
  4. Encompass: $2,685 per year, or about $224 per month.
  5. Geico: $2,884 per year, or about $240 per month.

Cheapest auto 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:

  1. Missouri Farm Bureau: $283 per year, or about $24 per month.
  2. Columbia: $389 per year, or about $32 per month.
  3. State Farm: $433 per year, or about $36 per month.
  4. Progressive: $635 per year, or about $53 per month.
  5. Travelers: $662 per year, or about $55 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: $1,265 per year, or about $105 per month.
  2. State Farm: $1,715 per year, or about $143 per month.
  3. American Family: $2,324 per year, or about $194 per month.
  4. Travelers: $2,367 per year, or about $197 per month.
  5. Columbia: $2,376 per year, or about $198 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. Missouri Farm Bureau: $1,444 per year, or about $120 per month.
  2. State Farm: $1,922 per year, or about $160 per month.
  3. American Family: $2,204 per year, or about $184 per month.
  4. Progressive: $2,267 per year, or about $189 per month.
  5. Travelers: $2,553 per year, or about $213 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: $1,175 per year, or about $98 per month.
  2. State Farm: $1,419 per year, or about $118 per month.
  3. American Family: $1,672 per year, or about $139 per month.
  4. Columbia: $1,696 per year, or about $141 per month.
  5. Shelter: $1,713 per year, or about $143 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. Missouri Farm Bureau: $268 per year, or about $22 per month.
  2. Columbia: $334 per year, or about $28 per month.
  3. State Farm: $384 per year, or about $32 per month.
  4. Progressive: $489 per year, or about $41 per month.
  5. Travelers: $523 per year, or about $44 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. Missouri Farm Bureau: $1,972 per year, or about $164 per month.
  2. Columbia: $2,187 per year, or about $182 per month.
  3. State Farm: $2,440 per year, or about $203 per month.
  4. Shelter: $2,669 per year, or about $222 per month.
  5. Encompass: $2,685 per year, or about $224 per month.

Cheapest auto 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:

  1. Missouri Farm Bureau: $283 per year, or about $24 per month.
  2. Columbia: $379 per year, or about $32 per month.
  3. State Farm: $437 per year, or about $36 per month.
  4. Progressive: $607 per year, or about $51 per month.
  5. Travelers: $651 per year, or about $54 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: $1,265 per year, or about $105 per month.
  2. State Farm: $1,658 per year, or about $138 per month.
  3. American Family: $2,083 per year, or about $174 per month.
  4. Columbia: $2,217 per year, or about $185 per month.
  5. Travelers: $2,224 per year, or about $185 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. Missouri Farm Bureau: $1,444 per year, or about $120 per month.
  2. State Farm: $1,862 per year, or about $155 per month.
  3. American Family: $1,977 per year, or about $165 per month.
  4. Progressive: $2,062 per year, or about $172 per month.
  5. Electric Insurance: $2,278 per year, or about $190 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 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:

  1. Missouri Farm Bureau: $1,104 per year, or about $92 per month.
  2. State Farm: $1,362 per year, or about $113 per month.
  3. Shelter: $1,387 per year, or about $116 per month.
  4. American Family: $1,515 per year, or about $126 per month.
  5. Columbia: $1,556 per year, or about $130 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. Missouri Farm Bureau: $243 per year, or about $20 per month.
  2. Columbia: $307 per year, or about $26 per month.
  3. State Farm: $380 per year, or about $32 per month.
  4. Progressive: $458 per year, or about $38 per month.
  5. Shelter: $465 per year, or about $39 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. Missouri Farm Bureau: $1,851 per year, or about $154 per month.
  2. Columbia: $2,001 per year, or about $167 per month.
  3. Shelter: $2,163 per year, or about $180 per month.
  4. State Farm: $2,358 per year, or about $197 per month.
  5. Encompass: $2,405 per year, or about $200 per month.

Cheapest auto 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:

  1. Missouri Farm Bureau: $256 per year, or about $21 per month.
  2. Columbia: $350 per year, or about $29 per month.
  3. State Farm: $432 per year, or about $36 per month.
  4. Progressive: $580 per year, or about $48 per month.
  5. Shelter: $617 per year, or about $51 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: $1,188 per year, or about $99 per month.
  2. State Farm: $1,596 per year, or about $133 per month.
  3. American Family: $1,887 per year, or about $157 per month.
  4. Shelter: $1,968 per year, or about $164 per month.
  5. Electric Insurance: $2,024 per year, or about $169 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. Missouri Farm Bureau: $1,355 per year, or about $113 per month.
  2. American Family: $1,792 per year, or about $149 per month.
  3. State Farm: $1,794 per year, or about $149 per month.
  4. Progressive: $1,881 per year, or about $157 per month.
  5. Electric Insurance: $2,044 per year, or about $170 per month.

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 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:

  1. Missouri Farm Bureau: $1,104 per year, or about $92 per month.
  2. State Farm: $1,258 per year, or about $105 per month.
  3. Shelter: $1,387 per year, or about $116 per month.
  4. American Family: $1,469 per year, or about $122 per month.
  5. Travelers: $1,552 per year, or about $129 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. Missouri Farm Bureau: $243 per year, or about $20 per month.
  2. Columbia: $321 per year, or about $27 per month.
  3. State Farm: $356 per year, or about $30 per month.
  4. Progressive: $447 per year, or about $37 per month.
  5. Shelter: $465 per year, or about $39 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. Missouri Farm Bureau: $1,851 per year, or about $154 per month.
  2. Columbia: $2,045 per year, or about $170 per month.
  3. Shelter: $2,163 per year, or about $180 per month.
  4. State Farm: $2,183 per year, or about $182 per month.
  5. Encompass: $2,333 per year, or about $194 per month.

Cheapest auto 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:

  1. Missouri Farm Bureau: $256 per year, or about $21 per month.
  2. Columbia: $366 per year, or about $30 per month.
  3. State Farm: $404 per year, or about $34 per month.
  4. Progressive: $568 per year, or about $47 per month.
  5. Shelter: $617 per year, or about $51 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. Missouri Farm Bureau: $1,188 per year, or about $99 per month.
  2. State Farm: $1,474 per year, or about $123 per month.
  3. American Family: $1,836 per year, or about $153 per month.
  4. Electric Insurance: $1,936 per year, or about $161 per month.
  5. Shelter: $1,968 per year, or about $164 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. Missouri Farm Bureau: $1,355 per year, or about $113 per month.
  2. State Farm: $1,658 per year, or about $138 per month.
  3. American Family: $1,743 per year, or about $145 per month.
  4. Progressive: $1,803 per year, or about $150 per month.
  5. Electric Insurance: $1,962 per year, or about $163 per month.

Cheapest 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:

  1. Missouri Farm Bureau: $1,102 per year, or about $92 per month.
  2. State Farm: $1,287 per year, or about $107 per month.
  3. Shelter: $1,483 per year, or about $124 per month.
  4. Columbia: $1,544 per year, or about $129 per month.
  5. American Family: $1,592 per year, or about $133 per month.

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:

  1. Missouri Farm Bureau: $255 per year, or about $21 per month.
  2. Columbia: $321 per year, or about $27 per month.
  3. State Farm: $380 per year, or about $32 per month.
  4. Shelter: $498 per year, or about $41 per month.
  5. Progressive: $510 per year, or about $43 per month.

Cheapest auto 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 full coverage:

  1. Missouri Farm Bureau: $1,848 per year, or about $154 per month.
  2. Columbia: $1,973 per year, or about $164 per month.
  3. State Farm: $2,290 per year, or about $191 per month.
  4. Shelter: $2,312 per year, or about $193 per month.
  5. Encompass: $2,335 per year, or about $195 per month.

Cheapest auto 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:

  1. Missouri Farm Bureau: $269 per year, or about $22 per month.
  2. Columbia: $366 per year, or about $30 per month.
  3. State Farm: $432 per year, or about $36 per month.
  4. Shelter: $660 per year, or about $55 per month.
  5. Progressive: $683 per year, or about $57 per month.

Cheapest auto 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 full coverage:

  1. Missouri Farm Bureau: $1,187 per year, or about $99 per month.
  2. State Farm: $1,522 per year, or about $127 per month.
  3. American Family: $2,039 per year, or about $170 per month.
  4. Shelter: $2,106 per year, or about $176 per month.
  5. Electric Insurance: $2,114 per year, or about $176 per month.

Cheapest auto 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 full coverage.

  1. Missouri Farm Bureau: $1,357 per year, or about $113 per month.
  2. State Farm: $1,722 per year, or about $143 per month.
  3. American Family: $1,928 per year, or about $161 per month.
  4. Progressive: $2,096 per year, or about $175 per month.
  5. Electric Insurance: $2,153 per year, or about $179 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 70 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

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 2020 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-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.

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