Missouri’s lowest car insurance rates in 2023

Note from the editor: Perhaps you are looking for car insurance for your first time, or to lower your monthly premium by doing some insurance shopping. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be […]

Note from the editor: Perhaps you are looking for car insurance for your first time, or to lower your monthly premium by doing some insurance shopping. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.

Missouri has many adventures, including the Gateway Arch and the Ozarks. Is your vehicle adequately protected while you are on the roads of your home state?

We compared rates from different companies to determine the average cost for basic Missouri car insurance.

We used a neutral driver profile to achieve this. The Missouri driver profile, unless otherwise noted, has not had any accidents or tickets. Rates may vary depending on many factors, including your driving record, age, vehicle type, mileage, and coverage options.

Continue reading to find out about Missouri’s average car-insurance rates. We also reveal our findings regarding the best basic coverage options in Show-Me State.

Car insurance costs in Missouri Missouri

Missouri’s average monthly premiums for basic auto insurance range from $66 to more than $130 depending on what type of coverage is selected and the driver profile.

Monthly average auto insurance premiums in Missouri

Driver and coverage	Avg. Monthly cost
State-minimum car insurance	$66.90
Drivers with bad credit	$113.09
Multiple claims drivers	$132.78
Young drivers	$108.51

5 Best Car Insurance Companies in Missouri

These are the five insurance companies that provide basic coverage for our Missouri driver at the lowest cost. To be fair, these rates were calculated using a Missouri driver profile.

This means that your rates may be different. The Missouri driver profile that we looked at was between 36-45 years old. They have a car valued between $20,000 and $30,000 and don’t have any tickets.

1. USAA

USAA is the most affordable insurer for Missouri drivers, at $29.43 per month on basic coverage. Drivers must be eligible to join USAA in order to get car insurance. USAA is available to U.S. military personnel and their families. USAA car insurance offers all the standard coverage options as well as a variety of discounts including the USAA SafePilot program which rewards safe driving behaviors.

Review USAA auto insurance

2. Missouri Farm Bureau Services

Missouri Farm Bureau Services, an affiliate of Missouri Farm Bureau Federation is the largest general farm organization in Missouri with 140 service centers throughout the state. Our Missouri driver profile can find basic auto insurance starting at $42.42 per monthly with this company. The insurer also offers comprehensive, collision, bodily injury and uninsured/underinsured motorist coverage, plus extras like roadside assistance, disability income and a reduced deductible.

3. Geico

Geico’s basic car insurance policy could cost Missouri drivers $47.08 per monthly. Geico offers a variety of coverages and discounts as well as a mobile app. Geico also has a coverage calculator that will help you decide the right deductible and recommend how much coverage you may need.

Review Geico Auto Insurance.

4. Auto-Owners insurance

For basic coverage, our Missouri driver profile could help you find car insurance rates through the Auto-Owners company for as low $48.58 per monthly. Auto-Owners is an independent insurance company that sells insurance. You can also choose from the standard coverage options and additional coverages such as road trouble service, gap coverage, diminished value insurance and the Personal Automobile Plus Package with 10 additional coverages including identity theft protection or replacement of your cellphone.

Review Auto-Owners auto coverage

5. State Farm

Missouri drivers could get basic car insurance through State Farm starting at $55.04 per monthly. State Farm offers a number of programs that will help you save money on your car insurance. Customers can save up to 30% by using the Drive Safe & Save program. This is based on how they drive. Customers under 25 who have not been involved in an accident or moved violations within the last three years can save as much as 15% State Farm can help students save up to 25% by getting excellent grades.

Review State Farm auto insurance

The cheapest state-minimum car coverage in Missouri

Missouri mandates auto insurance coverage at 25/50/25. This is Missouri’s minimum insurance coverage.

These five companies have the lowest rates available for drivers who need state-minimum coverage.

5 lowest car insurance companies Missouri to provide state-minimum coverage

1	USAA	$29.43/month
2	MO Farm Bureau Services	$42.42/month
3	Geico	$47.08/month
4	Auto-Owners Insurance	$48.58/month
5	State Farm	$55.04/month

Best car insurance for people with good credit in Missouri

Credit can impact your car insurance bill. Higher credit scores generally translate into lower monthly premiums.

These are the five insurance companies offering the lowest basic coverage rates for Missouri drivers with excellent credit.

5 Best Car Insurance Companies in Missouri For those with good credit

1	American National P&C	$14.17/month
2	Auto-Owners Insurance	$31.47/month
3	Geico	$35.95/month
4	National Grange Mutual	$39.44/month
5	State Farm	$41.89/month

Lowest car insurance for people with poor credit in Missouri

If your credit score is not perfect, you may need to pay more for car coverage. Other factors, such as a clean driving record and no accidents, can affect your premium.

These companies offer the lowest rates for basic auto insurance for drivers with poor credit.

5 Best Car Insurance Companies in Missouri For People with Poor Credit

1	American National P&C	$64.08/month
2	Geico	$70.09/month
3	State Auto	$88.48/month
4	Southern Farm Bureau	$98.88/month
5	State Farm	$100.88/month

Cheapest car Insurance for Drivers with Multiple Claims in Missouri

The claim will remain on your file if you make a claim to your insurance company. Multiple claims can lead to higher car insurance premiums.

These are the Missouri companies offering the lowest rates for basic coverage for multiple drivers.

5 best car insurance companies in Missouri to cover multiple claims

1	American National P&C	$38.00/month
2	Geico	$73.30/month
3	National Grange Mutual	$78.00/month
4	Auto-Owners Insurance	$83.29/month
5	Southern Farm Bureau	$89.50/month

Cheapest insurance for young drivers in Missouri

Your age can also impact how much car insurance you pay. Younger drivers (under 25 years old) tend to pay more for their monthly premiums.

These companies offer the best basic insurance for young drivers aged 18-21.

The cheapest Missouri car insurance companies for young drivers

1	USAA	$49.60/month
2	Geico	$65.16/month
3	Auto-Owners Insurance	$78.96/month
4	MO Farm Bureau Services	$80.92/month
5	Allstate	$80.99/month

Missouri auto insurance requirements

Missouri drivers must have $25,000 per person, $50,000 per accident for bodily injuries and $25,000 per accident to cover property damage. Missouri requires that drivers have uninsured motorist coverage for $25,000 per person and $50,000 per incident to cover bodily injury.

Is there usage-based insurance in Missouri ?

A type of vehicle insurance that is based on driving habits, usage-based insurance allows customers to pay premiums. Missouri drivers may be eligible to take advantage of UBI programs offered by their insurance companies.

FAQs regarding the lowest car insurance rates in Missouri

Methodology

Based on a profile of a Missouri driver aged 36-45, the estimated rates in this article are the lowest. The rates shown assume that there is only one driver on the policy, with no driving tickets and no claims. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and has an estimated value of $20,000 to $30,000 Rates for insurance for good credit are based on scores of 720 or higher. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those aged 18-21. Rates for multiple claims are based on two claims.

Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and are not intended to be used as a comparison or frame of reference. Rates can vary depending on many factors such as vehicle driving habits, age, and past history.

The average monthly premium for full coverage car insurance includes property damage, bodily injury, personal injury protection, collision, and comprehensive coverages. Missouri-mandated 25/50/25 policy is included in the average monthly premium for minimum car insurance.