The Cheapest Car Insurance in Missouri for April 2024

Missouri Farm Bureau offers the cheapest car insurance in Missouri, with an average annual rate of $1,375 for full coverage.
Ben Moore
By Ben Moore 
Updated
Edited by Lacie Glover

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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 $1,375 per year on average, or $115 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 $2,325 per year, or about $194 per month.

Minimum coverage in Missouri is $597 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 $323 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Are you wondering why insurance rates are higher? Ask a Nerd directly
Simply send us your questions, and our dedicated in-house Nerds will provide you with thoughtful responses within 2 business days.

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 16 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: $3,382 per year, or about $282 per month.
  2. Travelers: $3,383 per year, or about $282 per month.
  3. Shelter: $3,759 per year, or about $313 per month.
  4. Progressive: $3,760 per year, or about $313 per month.
  5. Geico: $3,859 per year, or about $322 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: $809 per year, or about $67 per month.
  2. Travelers: $822 per year, or about $69 per month.
  3. Progressive: $836 per year, or about $70 per month.
  4. Allstate: $963 per year, or about $80 per month.
  5. Shelter: $1,078 per year, or about $90 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. Progressive: $1,238 per year, or about $103 per month.
  2. Travelers: $1,240 per year, or about $103 per month.
  3. Columbia: $1,358 per year, or about $113 per month.
  4. Missouri Farm Bureau: $1,385 per year, or about $115 per month.
  5. Geico: $1,422 per year, or about $119 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: $855 per year, or about $71 per month.
  2. Progressive: $927 per year, or about $77 per month.
  3. Travelers: $985 per year, or about $82 per month.
  4. Columbia: $1,240 per year, or about $103 per month.
  5. Shelter: $1,267 per year, or about $106 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: $901 per year, or about $75 per month.
  2. Progressive: $953 per year, or about $79 per month.
  3. Travelers: $1,038 per year, or about $87 per month.
  4. Columbia: $1,398 per year, or about $117 per month.
  5. Shelter: $1,447 per year, or about $121 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. Progressive: $901 per year, or about $75 per month.
  2. Missouri Farm Bureau: $1,087 per year, or about $91 per month.
  3. Travelers: $1,159 per year, or about $97 per month.
  4. Shelter: $1,699 per year, or about $142 per month.
  5. Allstate: $1,759 per year, or about $147 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: $1,375 per year, or about $115 per month.
  2. Shelter: $1,916 per year, or about $160 per month.
  3. Geico: $1,982 per year, or about $165 per month.
  4. Progressive: $2,088 per year, or about $174 per month.
  5. Travelers: $2,133 per year, or about $178 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: $323 per year, or about $27 per month.
  2. Progressive: $404 per year, or about $34 per month.
  3. Columbia: $418 per year, or about $35 per month.
  4. Allstate: $442 per year, or about $37 per month.
  5. Geico: $461 per year, or about $38 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: $2,312 per year, or about $193 per month.
  2. Geico: $2,613 per year, or about $218 per month.
  3. Columbia: $3,038 per year, or about $253 per month.
  4. Progressive: $3,371 per year, or about $281 per month.
  5. Travelers: $3,479 per year, or about $290 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: $341 per year, or about $28 per month.
  2. Columbia: $472 per year, or about $39 per month.
  3. Progressive: $493 per year, or about $41 per month.
  4. Allstate: $575 per year, or about $48 per month.
  5. Geico: $589 per year, or about $49 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: $1,480 per year, or about $123 per month.
  2. Shelter: $2,402 per year, or about $200 per month.
  3. Travelers: $2,531 per year, or about $211 per month.
  4. Progressive: $2,746 per year, or about $229 per month.
  5. State Farm: $2,798 per year, or about $233 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: $1,695 per year, or about $141 per month.
  2. Progressive: $2,318 per year, or about $193 per month.
  3. American Family: $2,585 per year, or about $215 per month.
  4. Travelers: $2,699 per year, or about $225 per month.
  5. Shelter: $2,735 per year, or about $228 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: $1,375 per year, or about $115 per month.
  2. Shelter: $1,531 per year, or about $128 per month.
  3. Progressive: $1,861 per year, or about $155 per month.
  4. Travelers: $1,897 per year, or about $158 per month.
  5. Geico: $1,937 per year, or about $161 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: $323 per year, or about $27 per month.
  2. Progressive: $372 per year, or about $31 per month.
  3. Columbia: $404 per year, or about $34 per month.
  4. Allstate: $442 per year, or about $37 per month.
  5. Geico: $461 per year, or about $38 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: $2,312 per year, or about $193 per month.
  2. Geico: $2,552 per year, or about $213 per month.
  3. Columbia: $2,782 per year, or about $232 per month.
  4. Progressive: $3,020 per year, or about $252 per month.
  5. Travelers: $3,088 per year, or about $257 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: $341 per year, or about $28 per month.
  2. Columbia: $458 per year, or about $38 per month.
  3. Progressive: $458 per year, or about $38 per month.
  4. Allstate: $575 per year, or about $48 per month.
  5. Shelter: $576 per year, or about $48 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: $1,480 per year, or about $123 per month.
  2. Shelter: $2,031 per year, or about $169 per month.
  3. Travelers: $2,366 per year, or about $197 per month.
  4. Progressive: $2,497 per year, or about $208 per month.
  5. State Farm: $2,694 per year, or about $224 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: $1,695 per year, or about $141 per month.
  2. Progressive: $2,085 per year, or about $174 per month.
  3. Shelter: $2,313 per year, or about $193 per month.
  4. Travelers: $2,526 per year, or about $211 per month.
  5. American Family: $2,585 per year, or about $215 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: $1,293 per year, or about $108 per month.
  2. Shelter: $1,365 per year, or about $114 per month.
  3. Progressive: $1,675 per year, or about $140 per month.
  4. Travelers: $1,836 per year, or about $153 per month.
  5. Geico: $1,984 per year, or about $165 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: $293 per year, or about $24 per month.
  2. Progressive: $343 per year, or about $29 per month.
  3. Columbia: $380 per year, or about $32 per month.
  4. Allstate: $422 per year, or about $35 per month.
  5. Shelter: $440 per year, or about $37 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: $2,171 per year, or about $181 per month.
  2. Columbia: $2,584 per year, or about $215 per month.
  3. Geico: $2,602 per year, or about $217 per month.
  4. Progressive: $2,717 per year, or about $226 per month.
  5. Travelers: $2,998 per year, or about $250 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: $309 per year, or about $26 per month.
  2. Progressive: $427 per year, or about $36 per month.
  3. Columbia: $430 per year, or about $36 per month.
  4. Shelter: $515 per year, or about $43 per month.
  5. Allstate: $566 per year, or about $47 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: $1,389 per year, or about $116 per month.
  2. Shelter: $1,821 per year, or about $152 per month.
  3. Travelers: $2,299 per year, or about $192 per month.
  4. Progressive: $2,308 per year, or about $192 per month.
  5. Electric Insurance: $2,565 per year, or about $214 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: $1,589 per year, or about $132 per month.
  2. Progressive: $1,900 per year, or about $158 per month.
  3. Shelter: $2,068 per year, or about $172 per month.
  4. American Family: $2,430 per year, or about $203 per month.
  5. Travelers: $2,458 per year, or about $205 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: $1,293 per year, or about $108 per month.
  2. Shelter: $1,440 per year, or about $120 per month.
  3. Progressive: $1,576 per year, or about $131 per month.
  4. Travelers: $1,656 per year, or about $138 per month.
  5. Geico: $2,000 per year, or about $167 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: $293 per year, or about $24 per month.
  2. Progressive: $335 per year, or about $28 per month.
  3. Columbia: $396 per year, or about $33 per month.
  4. Allstate: $420 per year, or about $35 per month.
  5. Travelers: $466 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: $2,171 per year, or about $181 per month.
  2. Progressive: $2,552 per year, or about $213 per month.
  3. Geico: $2,613 per year, or about $218 per month.
  4. Columbia: $2,634 per year, or about $220 per month.
  5. Travelers: $2,708 per year, or about $226 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: $309 per year, or about $26 per month.
  2. Progressive: $420 per year, or about $35 per month.
  3. Columbia: $450 per year, or about $38 per month.
  4. Shelter: $560 per year, or about $47 per month.
  5. Allstate: $564 per year, or about $47 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: $1,389 per year, or about $116 per month.
  2. Shelter: $1,920 per year, or about $160 per month.
  3. Travelers: $2,180 per year, or about $182 per month.
  4. Progressive: $2,203 per year, or about $184 per month.
  5. State Farm: $2,367 per year, or about $197 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: $1,589 per year, or about $132 per month.
  2. Progressive: $1,795 per year, or about $150 per month.
  3. Shelter: $2,189 per year, or about $182 per month.
  4. Travelers: $2,339 per year, or about $195 per month.
  5. American Family: $2,430 per year, or about $203 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: $1,253 per year, or about $104 per month.
  2. Shelter: $1,611 per year, or about $134 per month.
  3. Progressive: $1,630 per year, or about $136 per month.
  4. Travelers: $1,743 per year, or about $145 per month.
  5. Columbia: $2,014 per year, or about $168 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: $308 per year, or about $26 per month.
  2. Progressive: $370 per year, or about $31 per month.
  3. Columbia: $396 per year, or about $33 per month.
  4. Allstate: $450 per year, or about $37 per month.
  5. Travelers: $530 per year, or about $44 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: $2,109 per year, or about $176 per month.
  2. Columbia: $2,558 per year, or about $213 per month.
  3. Progressive: $2,626 per year, or about $219 per month.
  4. Geico: $2,979 per year, or about $248 per month.
  5. Travelers: $3,008 per year, or about $251 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: $325 per year, or about $27 per month.
  2. Columbia: $450 per year, or about $38 per month.
  3. Progressive: $481 per year, or about $40 per month.
  4. Allstate: $610 per year, or about $51 per month.
  5. Shelter: $630 per year, or about $53 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: $1,356 per year, or about $113 per month.
  2. Shelter: $2,129 per year, or about $177 per month.
  3. Travelers: $2,383 per year, or about $199 per month.
  4. Progressive: $2,396 per year, or about $200 per month.
  5. State Farm: $2,453 per year, or about $204 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: $1,564 per year, or about $130 per month.
  2. Progressive: $1,869 per year, or about $156 per month.
  3. Shelter: $2,424 per year, or about $202 per month.
  4. Travelers: $2,577 per year, or about $215 per month.
  5. American Family: $2,577 per year, or about $215 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 66 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 2021 Toyota Camry LE 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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