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Best Cheap Car Insurance in Missouri for 2020

Jan. 2, 2020
Auto Insurance, Insurance
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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 the 12 largest insurers in the state and found the five cheapest options for several driver types.

Cheapest for good drivers in Missouri

For Missouri drivers with good credit and a clean driving history, the cheapest insurance companies and their average rates for full coverage are:

  1. Safeco: $1,011 per year.
  2. Missouri Farm Bureau: $1,090 per year.
  3. Nationwide: $1,127 per year.
  4. Allstate: $1,343 per year.
  5. American Family: $1,427 per year.
Drivers with no recent accidents or violations can get cheaper car insurance rates for having good credit. For this calculation, NerdWallet averaged rates for 40-year-old men and women with a clean driving record and good credit. In terms of driving and credit history, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including comprehensive and collision, along with state-required coverage. Prices shown include a good driver discount, when available from the insurer.

Cheapest for minimum coverage in Missouri

For bare-bones coverage, these are the cheapest options we found for Missouri drivers with clean credit and driving records, ranked by their average rates for minimum required auto insurance:

  1. Missouri Farm Bureau: $315 per year.
  2. Safeco: $360 per year.
  3. State Farm: $460 per year.
  4. Progressive: $525 per year.
  5. Shelter: $578 per year.
We calculated these numbers by averaging rates for 40-year-old good drivers (earning them a discount if the insurer offers one) who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more. If you're looking for the cheapest possible insurance you can get, though, you'll still want to get car insurance quotes from at least three auto insurers.

Cheapest for good drivers with poor credit

A good driver with blemished credit in Missouri may want to check out these insurance companies, which returned the cheapest average rates for full coverage:

  1. Nationwide: $1,566 per year.
  2. Missouri Farm Bureau: $1,830 per year.
  3. Safeco: $2,010 per year.
  4. Allstate: $2,256 per year.
  5. American Family: $2,461 per year.
If you have a spotty credit history, it's important to shop around to find the cheapest auto insurance rates you can. Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent at-fault crash, but prices vary by insurer. To calculate these figures, NerdWallet averaged rates for 40-year-olds with a clean driving record and associated good driver discount, if the insurer offered one. They had poor credit as reported to their insurer, and standard "full coverage" car insurance.

Cheapest for drivers with one at-fault crash

For Missouri drivers who’ve recently caused a wreck, these are the cheapest insurers and their average rates for full coverage auto policies:

  1. Missouri Farm Bureau: $1,180 per year.
  2. Safeco: $1,409 per year.
  3. American Family: $1,435 per year.
  4. State Farm: $1,748 per year.
  5. Allstate: $1,808 per year.
After a relatively minor crash, some auto insurers will charge a lot more than others for coverage. To get these figures, we averaged rates for 40-year-olds with typical "full coverage" insurance and one recent at-fault crash costing $10,000 in property damage. Your rates will remain high for three to five years after you cause an accident or have a moving violation — and you still may be rejected for coverage from certain companies, including those above. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest insurance after a DUI in Missouri

For a Missourian whose driving record includes a recent DUI, here are the cheapest car insurance companies we found, along with their average rates for full coverage:

  1. Missouri Farm Bureau: $1,360 per year.
  2. American Family: $1,435 per year.
  3. Safeco: $1,455 per year.
  4. Allstate: $1,770 per year.
  5. Progressive: $1,928 per year.
A conviction for driving under the influence, or DUI, generally results in higher auto insurance premiums than before. NerdWallet analyzed rates for 40-year-old drivers and standard “full coverage” car insurance with a recent DUI conviction to see which companies were cheapest. Be warned that you may be rejected for coverage, including from the companies listed above. Rates can vary by hundreds between carriers after a DUI, and some penalize for longer than others, so it’s important to shop around for the best available price right after you see a price hike and each year after that.

Cheapest insurance after a ticket in Missouri

After a speeding ticket, the cheapest insurers and average rates in Missouri for full coverage are:

  1. Missouri Farm Bureau: $1,135 per year.
  2. Safeco: $1,258 per year.
  3. Nationwide: $1,323 per year.
  4. American Family: $1,435 per year.
  5. Allstate: $1,534 per year.
Getting a speeding ticket will result in higher car insurance rates from most companies for three to five years. To see who has the cheapest rates, we calculated average car insurance rates for 40-year-old drivers with “full coverage” insurance and a recent ticket for speeding 16 mph over the limit. Though these larger companies were the cheapest we found on average, others may be cheaper for you, so be sure to get at least three quotes before deciding on a carrier.

Cheapest for couples and families in Missouri

In addition to singles, NerdWallet also analyzed rates for couples and families in Missouri, and the cheapest insurance companies weren’t the same. Each insurer applies rates and discounts in different ways, so the company with the best price for one person isn’t always cheapest for a family, with multiple drivers and more than one car. If you get married, add a driver to your policy or have any other big change in your life, it’s smart to shop for car insurance quotes to make sure you’re getting the best possible rate for your new circumstances.

Cheapest for a married couple in Missouri

For a husband and wife, both 50 years old, who are insuring two vehicles with full coverage in Missouri, these are the cheapest companies we found and their average rates, assuming clean credit and driving records:

  1. Geico: $1,028 per year.
  2. Safeco: $1,368 per year.
  3. Allstate: $1,617 per year.
  4. Nationwide: $1,771 per year.
  5. Missouri Farm Bureau: $1,810 per year.
Couples who live together can save on auto insurance by combining policies, whether they are married or not, because they can earn multi-car and multi-driver discounts. Once they tie the knot, rates can dip further, but not because of discounts — insurers see married people as less risky and so charge them lower rates. Our hypothetical 50-year-old couple’s clean driving record also earns them both a good driver discount.

Cheapest for families with a teen in Missouri

For a 50-year-old Missouri couple plus an 18-year-old driver, the cheapest insurers and average rates for full coverage are:

  1. Geico: $1,485 per year.
  2. Allstate: $2,519 per year.
  3. Safeco: $2,614 per year.
  4. Nationwide: $3,092 per year.
  5. Shelter: $3,346 per year.
Adding a teen with two years’ driving experience to a married couple's policy is sure to cause a big jump in rates. Since different insurers tend to see a teen’s inexperience in different ways, we analyzed rates to see which companies had the cheapest car insurance for teens. These rates are averaged for 50-year-old couples with male and female 18-year-old drivers.

Cheapest for young drivers in Missouri

Drivers in their 20s may think cheap auto insurance is an impossibility. Compared with people with more experience behind the wheel, young drivers are likely to pay higher rates — but some companies will be cheaper for them than others. That’s because each insurer considers factors like age and experience differently when setting rates. To see which ones are cheapest for young drivers, we checked rates for 25-year-olds in Missouri.

Cheapest full coverage for young good drivers

For a 25-year-old in Missouri with a clean driving history and good credit, the cheapest auto insurers and average rates for full coverage are:

  1. Safeco: $1,224 per year.
  2. Missouri Farm Bureau: $1,267 per year.
  3. Nationwide: $1,323 per year.
  4. Allstate: $1,463 per year.
  5. American Family: $1,630 per year.
Drivers in their 20s can have a hard time finding cheap car insurance, and that's even truer when they need full coverage. The rates above are averages for 25-year-old male and female drivers with comprehensive and collision coverages, which are often required for drivers with active auto loans or leases. These rates reflect a good driver discount. Young drivers, like all drivers, should check several quotes to find the cheapest for the coverage levels they need.

Cheapest minimum coverage for young good drivers

For a young driver who wants Missouri’s minimum required auto insurance, the cheapest companies and average rates are:

  1. Missouri Farm Bureau: $366 per year.
  2. Safeco: $444 per year.
  3. State Farm: $526 per year.
  4. Progressive: $560 per year.
  5. Allstate: $641 per year.
Since young people often have fewer assets to protect with liability insurance, they can usually get away with lower coverage limits. For an age group with relatively high insurance rates on average, that's good news, keeping rates as low as possible. For this price set, we averaged rates for 25-year-old male and female drivers who have clean driving records, good credit and bare-bones insurance coverage.

Poor credit and minimum coverage

For a 25-year-old in Missouri with a good driving history and poor credit, these are the cheapest insurers and their average rates for minimum coverage:

  1. Missouri Farm Bureau: $617 per year.
  2. Safeco: $822 per year.
  3. Allstate: $972 per year.
  4. Geico: $979 per year.
  5. Nationwide: $1,061 per year.
Poor credit is common for younger folks just starting out, who may still be building their credit files. That can increase rates further, so it's extra important to shop around and compare as many insurance quotes as possible to find the cheapest you can get. For these prices, we averaged rates for 25-year-old male and female drivers with no recent accidents or violations (earning them a good driver discount), minimum coverage car insurance, and credit in the "poor" tier as reported to an insurer.

Cheapest for minimum coverage after a crash

When a young Missouri driver has a recent at-fault accident on record, the cheapest insurers and average rates for minimum coverage are:

  1. Missouri Farm Bureau: $406 per year.
  2. Safeco: $630 per year.
  3. State Farm: $672 per year.
  4. American Family: $816 per year.
  5. Allstate: $869 per year.
To get prices for this group, we averaged rates for 25-year-old male and female drivers with good credit and a recent at-fault crash costing $10,000 in property damage. Since car insurance is often pricier after a crash, and especially so for young drivers, we assumed minimum required insurance in the state to contain costs for our hypothetical driver. Depending on your situation, you may still be rejected for coverage, including from the companies listed above. If you've caused a crash, no matter your age, be sure to check auto insurance quotes just after the third and fifth anniversaries of your incident, when insurers often adjust rates downward.

Cheapest for minimum coverage after a DUI

After a DUI, these are the cheapest insurance companies for a 25-year-old Missouri driver, ranked by average rates for minimum coverage:

  1. Missouri Farm Bureau: $488 per year.
  2. Safeco: $630 per year.
  3. Progressive: $656 per year.
  4. State Farm: $796 per year.
  5. American Family: $816 per year.
Young drivers with a recent DUI on their records will need to be diligent to find the lowest car insurance rates they can get — it's likely that many companies' rates will be quite expensive. Depending on the circumstances, you may be rejected for coverage, including from the companies listed above. But spending the time to shop around for quotes can help you find the lowest price from a company available to you. For this analysis, we averaged rates for male and female 25-year-old drivers with a recent DUI conviction. They had good credit and minimum required car insurance, which helps keep rates down.

Cheapest for minimum coverage and a ticket

For a young Missouri driver with a recent speeding ticket, the cheapest insurers and average rates for minimum coverage are:

  1. Missouri Farm Bureau: $386 per year.
  2. Safeco: $552 per year.
  3. State Farm: $602 per year.
  4. Progressive: $690 per year.
  5. Allstate: $724 per year.
Getting a speeding ticket is never fun, and neither is the higher car insurance bill you may receive months later. At that point, it's time to shop around for better rates, and it wouldn't hurt to repeat on your third and fifth ticket anniversaries, when insurers may adjust rates downward. We analyzed rates for 25-year-old male and female drivers with a recent speeding violation for going 16 mph over the speed limit to see prices for this group.

Cheap for military families

Cheap car insurance for drivers with a military connection is often available through USAA, which offers policies exclusively for active service members, veterans and their families. Since USAA isn’t available to everyone, we didn’t rank it along with other companies, but it was among the three cheapest options in Missouri for every driver category listed above.

Recap: Cheapest car insurance in Missouri

  • Good drivers: Safeco
  • Minimum coverage: Missouri Farm Bureau
  • Poor credit: Nationwide
  • After an at-fault crash: Missouri Farm Bureau
  • After a DUI: Missouri Farm Bureau
  • After a speeding ticket: Missouri Farm Bureau
  • Married couples: Geico
  • Families with a teen: Geico
  • Young good drivers: Safeco
  • Minimum coverage for young good drivers: Missouri Farm Bureau
  • Minimum coverage for young drivers with poor credit: Missouri Farm Bureau
  • Minimum coverage for young drivers after a crash: Missouri Farm Bureau
  • Minimum coverage for young drivers after a DUI: Missouri Farm Bureau
  • Minimum coverage for young drivers after a ticket: Missouri Farm Bureau

» MORE: Compare car insurance

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 rates from the largest insurers in the state for 40-year-old men and women in all ZIP codes with 12,000 annual miles driven. The policy includes:

  • $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.
If required, minimum additional coverages were added and "good driver" discounts were automatically applied. Our “young driver” had all the same characteristics, but average rates were for 25-year-old men and women. We used a 2016 Toyota Camry LE for all single 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 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 costing $10,000 in property damage.
  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.
  • For drivers with a DUI, we added a single drunken driving violation.
Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household.

In all cases, a paperless discount, e-signature discount and electronic funds transfer discount were automatically applied. These are rates provided by Quadrant Information Services. Your own rates will be different.