Advertiser Disclosure

Best Cheap Car Insurance in Missouri for 2021

Dec. 11, 2020
Auto Insurance, Insurance
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own.

If you’re looking for cheap car insurance in Missouri, it pays to really look. Insurance costs can rise and fall from one company to the next for seemingly no reason, so you could be overspending by settling for the initial quote you find.


 

To help Missouri drivers nab the best deal, NerdWallet researched rates from 24 insurers in the state and found the five cheapest options for several driver types.

Cheapest for 20-year-old drivers in Missouri

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 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. Esurance: $2,137 per year.
  2. American Family: $2,307 per year.
  3. Missouri Farm Bureau: $2,643 per year.
  4. Geico: $2,711 per year.
  5. Encompass: $2,785 per year.

Cheapest minimum coverage 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. Columbia: $629 per year.
  2. Missouri Farm Bureau: $669 per year.
  3. Geico: $769 per year.
  4. Allstate: $841 per year.
  5. Esurance: $948 per year.

Cheapest coverage for 20-year-olds with poor credit in Missouri

Drivers with poor credit in Missouri should look at the following insurers with the lowest average rates for minimum coverage:

  1. Columbia: $783 per year.
  2. Geico: $1,091 per year.
  3. Missouri Farm Bureau: $1,141 per year.
  4. Allstate: $1,227 per year.
  5. Encompass: $1,419 per year.

Cheapest for 20-year-old drivers with one at-fault crash in Missouri

For drivers with a recent accident in Missouri, here are the companies with the lowest average rates for minimum coverage:

  1. Missouri Farm Bureau: $745 per year.
  2. Columbia: $813 per year.
  3. Esurance: $1,099 per year.
  4. Allstate: $1,145 per year.
  5. American Family: $1,157 per year.

Cheapest insurance for 20-year-old drivers after a DUI in Missouri

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers’ average rates for minimum coverage.

  1. Missouri Farm Bureau: $897 per year.
  2. Esurance: $995 per year.
  3. Allstate: $1,143 per year.
  4. Progressive: $1,222 per year.
  5. American Family: $1,345 per year.

Cheapest for 30-year-old drivers in Missouri

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 in Missouri for 30-year-olds

Drivers in Missouri with clean driving records may get the lowest rates from these companies:

  1. Esurance: $876 per year.
  2. Missouri Farm Bureau: $1,186 per year.
  3. Encompass: $1,439 per year.
  4. Geico: $1,538 per year.
  5. Columbia: $1,580 per year.

Cheapest minimum coverage 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: $252 per year.
  2. Missouri Farm Bureau: $289 per year.
  3. Electric Insurance: $378 per year.
  4. Geico: $423 per year.
  5. Encompass: $460 per year.

Cheapest coverage for 30-year-olds with poor credit in Missouri

Drivers with poor credit in Missouri should consider the following companies with the lowest average rates for full coverage:

  1. Esurance: $1,646 per year.
  2. Columbia: $1,853 per year.
  3. Encompass: $1,929 per year.
  4. Missouri Farm Bureau: $1,990 per year.
  5. Geico: $2,145 per year.

Cheapest for 30-year-old drivers with one at-fault crash in Missouri

For drivers in Missouri with a recent accident, here are the lowest average rate options for full coverage:

  1. Missouri Farm Bureau: $1,279 per year.
  2. Esurance: $1,463 per year.
  3. American Family: $1,615 per year.
  4. State Farm: $1,879 per year.
  5. Columbia: $2,039 per year.

Cheapest insurance for 30-year-old drivers after a DUI in Missouri

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Esurance: $1,157 per year.
  2. Missouri Farm Bureau: $1,465 per year.
  3. American Family: $1,931 per year.
  4. Progressive: $2,036 per year.
  5. State Farm: $2,142 per year.

Cheapest for 40-year-old drivers in Missouri

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 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. Esurance: $834 per year.
  2. Missouri Farm Bureau: $1,186 per year.
  3. Encompass: $1,439 per year.
  4. Columbia: $1,449 per year.
  5. American Family: $1,473 per year.

Cheapest minimum coverage 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: $245 per year.
  2. Missouri Farm Bureau: $289 per year.
  3. Electric Insurance: $343 per year.
  4. Geico: $426 per year.
  5. Encompass: $460 per year.

Cheapest coverage for 40-year-olds with poor credit in Missouri

Drivers with poor credit in Missouri can check out the following insurers with the lowest average rates for full coverage:

  1. Esurance: $1,569 per year.
  2. Columbia: $1,704 per year.
  3. Encompass: $1,929 per year.
  4. Missouri Farm Bureau: $1,990 per year.
  5. Geico: $2,108 per year.

Cheapest for 40-year-old drivers with one at-fault crash in Missouri

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: $1,279 per year.
  2. Esurance: $1,412 per year.
  3. American Family: $1,473 per year.
  4. State Farm: $1,833 per year.
  5. Columbia: $1,895 per year.

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

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

  1. Esurance: $1,108 per year.
  2. Missouri Farm Bureau: $1,465 per year.
  3. American Family: $1,754 per year.
  4. Progressive: $1,924 per year.
  5. State Farm: $2,092 per year.

Cheapest for 50-year-old drivers in Missouri

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 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. Esurance: $796 per year.
  2. Missouri Farm Bureau: $1,114 per year.
  3. Encompass: $1,292 per year.
  4. Columbia: $1,332 per year.
  5. American Family: $1,353 per year.

Cheapest minimum coverage 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: $226 per year.
  2. Missouri Farm Bureau: $263 per year.
  3. Electric Insurance: $318 per year.
  4. Geico: $404 per year.
  5. Encompass: $419 per year.

Cheapest coverage for 50-year-olds with poor credit in Missouri

Drivers with poor credit in Missouri can check with the following companies, which showed the lowest average rates for full coverage:

  1. Esurance: $1,443 per year.
  2. Columbia: $1,562 per year.
  3. Encompass: $1,728 per year.
  4. Missouri Farm Bureau: $1,866 per year.
  5. Geico: $1,936 per year.

Cheapest for 50-year-old drivers with one at-fault crash in Missouri

For drivers living in Missouri with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Missouri Farm Bureau: $1,200 per year.
  2. American Family: $1,353 per year.
  3. Esurance: $1,395 per year.
  4. State Farm: $1,778 per year.
  5. Columbia: $1,780 per year.

Cheapest insurance for 50-year-old drivers after a DUI in Missouri

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Esurance: $1,085 per year.
  2. Missouri Farm Bureau: $1,373 per year.
  3. American Family: $1,608 per year.
  4. Progressive: $1,760 per year.
  5. State Farm: $2,033 per year.

Cheapest for 65-year-old drivers in Missouri

Although 65-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 mid-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 in Missouri for 65-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. Esurance: $851 per year.
  2. Missouri Farm Bureau: $1,113 per year.
  3. Encompass: $1,202 per year.
  4. Columbia: $1,334 per year.
  5. American Family: $1,353 per year.

Cheapest minimum coverage in Missouri for 65-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: $234 per year.
  2. Missouri Farm Bureau: $276 per year.
  3. Electric Insurance: $363 per year.
  4. Geico: $421 per year.
  5. Encompass: $427 per year.

Cheapest coverage for 65-year-olds with poor credit in Missouri

Drivers with poor credit in Missouri can look at the following companies with the lowest average rates for full coverage:

  1. Esurance: $1,473 per year.
  2. Columbia: $1,561 per year.
  3. Encompass: $1,610 per year.
  4. Missouri Farm Bureau: $1,866 per year.
  5. Geico: $1,879 per year.

Cheapest for 65-year-old drivers with one at-fault crash in Missouri

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: $1,201 per year.
  2. American Family: $1,353 per year.
  3. Esurance: $1,496 per year.
  4. State Farm: $1,648 per year.
  5. Encompass: $1,788 per year.

Cheapest insurance for 65-year-old drivers after a DUI in Missouri

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Esurance: $1,170 per year.
  2. Missouri Farm Bureau: $1,378 per year.
  3. American Family: $1,627 per year.
  4. State Farm: $1,890 per year.
  5. Progressive: $1,903 per year.

Cheapest 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 40 of the 40 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 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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

These are rates generated through Quadrant Information Services. Your own rates will be different.