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Why Compare Car Insurance Rates in Missouri:

  • On average, people who compare rates save about $970 a year on car insurance
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Car insurance is relatively cheap in Missouri. It's normal to know that car owners in Missouri are perplexed as to how they can get best car insurance in the state without sacrificing adequate coverage. If you just got your driver's license or recently moved to Missouri, you might be curious about the state's auto insurance laws and how to get the affordable car insurance in Missouri.

Minimum Required Auto Insurance Coverage in Missouri

All states require you to buy such insurance coverage before you can register your car. According to the Missouri Insurance Department, all car owners must have at least the following:

Coverage Type Minimum Coverage Limit
Bodily injury liability coverage $25,000 per person
$50,000 per accident
Property damage liability coverage $25,000
Uninsured motorist bodily injury $25,000 per person
$50,000 per accident

Cheapest Car Insurance in Missouri for Minimum Required Coverage

The average cost of a full coverage policy in Missouri is $1,860 per year. State Farm has a rate that is almost 40% cheaper: $1,135 per year. As for American Family, its annual rate is $1,590, which is less than the state average. These are your best bet if you are looking for a . However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.

Types Of Car Insurance Coverage Available In Missouri

There are a multitude of car insurance coverage options in Missouri. Some of them are collision coverage, comprehensive coverage, liability insurance, and more. It's advised to have at least one of them. See types of car insurance coverages if you want to learn more about these types of coverage in detail.

See what you could save on auto insurance

Missouri Car Insurance Laws

All drivers and owners of motor vehicles in the state of Missouri are required by law to carry some kind of liability insurance. It is possible to meet the insurance law's criteria in three ways. You will be given an insurance identification card for each level of coverage, and this card needs to be kept in the vehicle at all times. If you own or operate a vehicle, you must have at least one of the following in place:

  • A liability insurance coverage for motor vehicles that meets the "25/50/25" legal minimum.
  • The Department of Revenue has received proof of financial responsibility.
  • The Missouri Department of Revenue issued certificate of self-insurance (for a company or religious organization).

With the help of Way.com, you can obtain quotes from a wide range of top insurance providers and compare coverage options and prices to find the vehicle insurance policy that best suits your needs.

Missouri Car Insurance PIP Requirements

Missouri does not require personal injury protection (PIP). Infact in Missouri, PIP is completely unavailable. If you've been injured in a car accident in Missouri, you may be eligible for medical payments insurance (sometimes referred to as Med Pay).

Proof of Auto Insurance in Missouri

A copy of your insurance card should always be accessible in your car. If an officer requests evidence of insurance and you are unable to produce it, the officer has the authority to issue you a ticket for driving without insurance. If you are in an accident or a police officer requests evidence of insurance, they will notify the Department of Revenue that you do not have insurance on your car or the vehicle you operate. The Department of Revenue may also request proof of insurance at any time.

Average Cost of Auto Insurance Companies in Missouri

Full coverage policies in Missouri include the state-mandated liability and uninsured motorist coverages, as well as comprehensive and collision coverage. Refer the following table to get the numbers of the different insurance quotes.

Company Average Annual Rate
USAA $633
Allied $1,077
Travelers $1,100
State Farm $1,206
Nationwide $1,216
Allstate $1,301
Esurance $1,304
Statewide Average $1,329
American Family $1,411
Farmers $1,508
Progressive $1,510
MetLife $1,591
Shelter Insurance Group $1,680
The General $1,906

Cheapest Car Insurance Quotes for Missouri Drivers

It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Missouri from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Missouri. According to our in-house market research, these companies offer the best auto insurance in Missouri.

Cheap car insurance in Missouri for young Missouri drivers

Teen drivers in Missouri can save money on both full and minimal coverage with USAA.

Company 18-YEAR-OLD FEMALE 18-YEAR-OLD MALE
Allstate $2,915 $3,136
American Family $4,389 $4,846
Farmers $8,196 $8,523
The General $4,733 $4,882
Nationwide $4,283 $4,989
Progressive $7,291 $8,214
Shelter Insurance Group $3,933 $5,191
State Farm $2,996 $3,798
Travelers $2,659 $3,214
USAA $1,608 $1,688
Statewide Average $4,300 $4,848

Cheap car insurance for Missouri drivers with a speeding ticket

If you've been ticketed for speeding in Missouri, USAA has the best rates for you.

Company Average Annual Rate
USAA $757
State Farm $1,304
Travelers $1,365
Allstate $1,443
Nationwide $1,468
Average $1,601
Allied $1,685
American Family Insurance $1,622
Esurance $1,863
Progressive $1,896
Farmers $1,903
Shelter Insurance Group $2,040
The General $2,215
AAA $2,401
MetLife $2,716

Cheap auto insurance for Missouri drivers after a car accident

For Missourians with a single at-fault accident on their record, USAA has the best prices. Their full coverage premium is 44% less expensive than the state average.

Company Average Annual Rate
USAA $852
State Farm $1,391
Travelers $1,405
Allstate $1,517
Allied $1,566
American Family Insurance $1,694
Statewide Average $1,806
Nationwide $1,886
Farmers $2,109
MetLife $2,112
Shelter Insurance Group $2,279
Progressive $2,399
AAA $2,445
Esurance $2,474
The General $2,528

Cheap car insurance quotes for Missouri drivers with a DUI

USAA offers the best deals for Missouri DUI drivers. Full coverage after a DUI costs an average of $1,082 from this company, which is 30 percent cheaper than the national average.

Company Average Annual Rate
USAA $1,082
State Farm $1,304
Travelers $1,515
Allstate $1,605
American Family Insurace $1,622
Allied $1,685
Progressive $1,743
Esurance $1,863
Statewide Average $1,873
Farmers $2,043
Shelter Insurance Group $2,279
Nationwide $2,322
AAA $2,401
MetLife $2,716
The General $3,218

Cheap car insurance for married Missouri drivers

On average, State Farm charges $1,133 per year for full coverage, the lowest price for married drivers.

Company Annual rate
State Farm $1,133
Progressive $1,505
American Family $1,589
Shelter $1,817
Allstate $1,877
The General $2,141
AAA $2,417
USAA $701

Cheap full coverage car insurance quotes for young drivers with an accident history

If a Missouri teen has been involved in an at-fault accident, State Farm is your best choice.

Company Annual rate
State Farm $1,655
Allstate $2,335
Shelter $2,475
Progressive $2,915
The General $3,395
American Family $3,655
AAA $4,775

Compare Car Insurance Rates In Top Cities

The average full coverage policy in Missouri costs $1600 a year, making it relatively affordable state in the country for car insurance. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.

CityAnnual Rate
Adrian$1,709
Advance$1,709
Affton$2,033
Agency$1,793
Airport Drive$1,757
Alba$1,757
Albany$1,817
Aldrich$1,745
Alexandria$1,757
Allendale$1,793
Alma$1,685
Altamont$1,781
Altenburg$1,757
Alton$1,949
Amazonia$1,781
Amity$1,793
Amoret$1,757
Amsterdam$1,757
Anabel$1,757
Anderson$1,793
Annada$1,769
Annapolis$1,925
Anniston$1,733
Appleton City$1,757
Arbela$1,781
Arbyrd$1,721
Arcadia$1,853
Archie$1,745
Arcola$1,805
Argyle$1,697
Armstrong$1,781
Arnold$2,057
Arrow Rock$1,757
Asbury$1,769
Ash Grove$1,829
Ashburn$1,769
Ashland$1,685
Atlanta$1,745
Augusta$1,925
Aurora$1,793
Auxvasse$1,781
Ava$1,829
Avilla$1,745
Bakersfield$1,889
Ballwin$1,985
Baring$1,793
Barnard$1,781
Barnett$1,805
Barnhart$2,033
Bates City$1,793
Battlefield$1,769
Beaufort$1,877
Bel-Nor$2,621
Bel-Ridge$2,477
Belgrade$1,913
Bell City$1,709
Bella Villa$2,117
Belle$1,781
Bellefontaine Neighbors$2,825
Bellerive$2,645
Belleview$1,913
Bellflower$1,805
Belton$1,829
Benton$1,697
Benton City$1,745
Berger$1,865
Berkeley$2,429
Bernie$1,697
Bertrand$1,697
Bethany$1,817
Bethel$1,793
Beulah$1,769
Beverly Hills$2,645
Bevier$1,733
Billings$1,745
Birch Tree$1,889
Bismarck$1,853
Bixby$1,913
Black$1,949
Black Jack$2,441
Blackburn$1,721
Blackwater$1,733
Blackwell$1,925
Blairstown$1,745
Bland$1,829
Blodgett$1,697
Bloomfield$1,709
Bloomsdale$1,829
Blue Eye$1,781
Blue Springs$1,841
Blythedale$1,817
Bogard$1,781
Bois D Arc$1,793
Bolckow$1,781
Bolivar$1,709
Bonne Terre$1,853
Bonnots Mill$1,709
Boonville$1,721
Boss$1,757
Bosworth$1,793
Bourbon$1,733
Bowling Green$1,745
Bradleyville$1,829
Bragg City$1,709
Brandsville$1,829
Branson$1,817
Branson West$1,793
Brashear$1,769
Braymer$1,781
Brazeau$1,733
Breckenridge$1,769
Breckenridge Hills$2,141
Brentwood$1,997
Briar$1,913
Bridgeton$2,105
Brighton$1,745
Brinktown$1,745
Brixey$1,853
Bronaugh$1,781
Brookfield$1,721
Brookline$1,769
Broseley$1,805
Browning$1,781
Brownwood$1,721
Brumley$1,781
Bruner$1,793
Brunswick$1,745
Bucklin$1,733
Buckner$1,949
Bucyrus$1,769
Buffalo$1,781
Bunceton$1,745
Bunker$1,913
Burfordville$1,721
Burlington Junction$1,781
Butler$1,709
Byrnes Mill$2,057
Cabool$1,781
Cadet$1,949
Cainsville$1,805
Cairo$1,721
Caledonia$1,925
Calhoun$1,733
California$1,697
Callao$1,745
Calverton Park$2,465
Camden$1,757
Camden Point$1,805
Camdenton$1,757
Cameron$1,781
Campbell$1,709
Canalou$1,709
Canton$1,745
Cape Fair$1,805
Cape Girardeau$1,745
Caplinger Mills$1,793
Cardwell$1,733
Carl Junction$1,769
Carrollton$1,757
Carterville$1,757
Carthage$1,745
Caruthersville$1,721
Carytown$1,733
Cascade$1,865
Cassville$1,805
Castle Point$2,741
Catawissa$2,033
Catron$1,697
Caulfield$1,829
Cedar Hill$2,105
Cedar Hill Lakes$2,105
Cedarcreek$1,829
Center$1,733
Centertown$1,625
Centerview$1,733
Centerville$1,961
Centralia$1,733
Chadwick$1,793
Chaffee$1,697
Chamois$1,745
Charlack$2,153
Charleston$1,721
Cherryville$1,745
Chesterfield$2,021
Chestnutridge$1,793
Chilhowee$1,769
Chillicothe$1,721
Chula$1,781
Clarence$1,745
Clark$1,793
Clarksburg$1,709
Clarksdale$1,781
Clarkson Valley$2,021
Clarksville$1,793
Clarkton$1,709
Claycomo$1,853
Clayton$2,153
Clearmont$1,805
Cleveland$1,769
Clever$1,757
Clifton Hill$1,757
Climax Springs$1,805
Clinton$1,721
Clubb$1,841
Clyde$1,793
Coatsville$1,781
Coffey$1,805
Cole Camp$1,769
Collins$1,805
Columbia$1,757
Commerce$1,709
Conception$1,793
Conception Junction$1,793
Concord$2,021
Concordia$1,709
Conway$1,709
Cook Sta$1,769
Cool Valley$2,633
Cooter$1,709
Corder$1,721
Cosby$1,781
Cottleville$1,793
Couch$1,937
Country Club$1,829
Country Club Hills$2,717
Cowgill$1,793
Craig$1,793
Crane$1,781
Creighton$1,745
Crestwood$1,997
Creve Coeur$2,057
Crocker$1,733
Cross Timbers$1,829
Crystal City$1,985
Crystal Lakes$1,793
Cuba$1,745
Curryville$1,733
Dadeville$1,817
Daisy$1,769
Dalton$1,757
Dardenne Prairie$1,829
Darlington$1,817
Davisville$1,769
Dawn$1,769
De Kalb$1,829
De Soto$2,033
De Witt$1,757
Dearborn$1,817
Deepwater$1,757
Deerfield$1,769
Deering$1,709
Defiance$1,901
Dellwood$2,753
Delta$1,709
Denver$1,817
Des Arc$1,877
Des Peres$1,985
Desloge$1,805
Devils Elbow$1,769
Dexter$1,673
Diamond$1,757
Dittmer$2,081
Dixon$1,757
Doe Run$1,853
Doniphan$1,937
Dora$1,853
Dover$1,745
Downing$1,781
Drexel$1,769
Drury$1,817
Dudley$1,709
Duenweg$1,769
Duke$1,745
Dunnegan$1,745
Duquesne$1,757
Durham$1,745
Dutchtown$1,709
Dutzow$1,901
Eagle Rock$1,793
Eagleville$1,829
Earth City$2,081
East Lynne$1,745
East Prairie$1,733
Easton$1,817
Edgar Springs$1,745
Edgerton$1,829
Edina$1,817
Edmundson$2,393
Edwards$1,805
El Dorado Springs$1,781
Eldon$1,757
Eldridge$1,733
Elk Creek$1,793
Elkland$1,757
Ellington$1,949
Ellisville$1,985
Ellsinore$1,925
Elmer$1,757
Elmo$1,805
Elsberry$1,877
Emden$1,757
Eminence$1,937
Emma$1,769
Eolia$1,769
Essex$1,697
Ethel$1,769
Eugene$1,661
Eunice$1,781
Eureka$1,961
Everton$1,817
Ewing$1,745
Excello$1,757
Excelsior Springs$1,793
Exeter$1,793
Fagus$1,841
Fair Grove$1,805
Fair Play$1,781
Fairdealing$1,913
Fairfax$1,781
Fairview$1,805
Falcon$1,721
Farber$1,721
Farley$1,829
Farmington$1,805
Farrar$1,721
Faucett$1,829
Fayette$1,757
Fenton$1,973
Ferguson$2,573
Ferrelview$1,829
Festus$1,973
Fillmore$1,793
Fisk$1,805
Flemington$1,805
Fletcher$2,021
Flinthill$1,853
Flordell Hills$2,753
Florence$1,793
Florissant$2,357
Foley$1,841
Fordland$1,769
Forest City$1,793
Foristell$1,865
Forsyth$1,817
Fort Leonard Wood$1,661
Fortuna$1,769
Foster$1,745
Frankford$1,733
Franklin$1,745
Fredericktown$1,829
Freeburg$1,709
Freeman$1,757
Freistatt$1,793
Fremont$1,901
Fremont Hills$1,733
French Village$1,901
Friedheim$1,757
Frohna$1,721
Frontenac$1,973
Fulton$1,757
Gainesville$1,877
Galena$1,805
Gallatin$1,817
Galt$1,793
Garden City$1,745
Garrison$1,793
Gatewood$1,949
Gentry$1,817
Gerald$1,877
Gibbs$1,769
Gibson$1,721
Gideon$1,697
Gilliam$1,769
Gilman City$1,805
Gipsy$1,805
Gladstone$1,877
Glasgow$1,769
Glasgow Village$2,813
Glen Echo Park$2,645
Glenallen$1,805
Glencoe$1,997
Glendale$1,973
Glenwood$1,793
Gobler$1,733
Golden$1,805
Golden City$1,817
Goodman$1,769
Gordonville$1,709
Gorin$1,781
Gower$1,805
Graff$1,733
Graham$1,769
Grain Valley$1,841
Granby$1,781
Grandin$1,925
Grandview$2,021
Granger$1,781
Grant City$1,817
Grantwood Village$2,033
Gravois Mills$1,805
Gray Summit$1,973
Grayridge$1,709
Green Castle$1,769
Green City$1,793
Green Park$2,021
Green Ridge$1,733
Greenfield$1,793
Greentop$1,781
Greenville$1,865
Greenwood$1,817
Grovespring$1,721
Grubville$1,997
Guilford$1,805
Hale$1,769
Half Way$1,745
Hallsville$1,733
Halltown$1,757
Hamilton$1,769
Hanley Hills$2,357
Hannibal$1,709
Hardenville$1,853
Hardin$1,769
Harris$1,805
Harrisburg$1,733
Harrisonville$1,781
Hartsburg$1,697
Hartshorn$1,781
Hartville$1,745
Harviell$1,853
Harwood$1,769
Hatfield$1,817
Hawk Point$1,841
Hayti$1,709
Hazelwood$2,273
Helena$1,805
Hematite$1,997
Henley$1,637
Henrietta$1,757
Herculaneum$2,021
Hermann$1,829
Hermitage$1,817
Higbee$1,757
Higginsville$1,721
High Hill$1,781
High Point$1,721
High Ridge$2,069
Highlandville$1,745
Hillsboro$2,069
Hillsdale$2,645
Holcomb$1,709
Holden$1,745
Holliday$1,745
Hollister$1,793
Holt$1,829
Holts Summit$1,637
Hopkins$1,781
Hornersville$1,721
House Springs$2,057
Houston$1,769
Houstonia$1,733
Huggins$1,733
Hughesville$1,745
Humansville$1,805
Hume$1,745
Humphreys$1,793
Hunnewell$1,781
Huntleigh$1,973
Huntsville$1,745
Hurdland$1,805
Iberia$1,757
Imperial$2,045
Independence$1,985
Innsbrook$1,817
Ionia$1,757
Iron Mountain Lake$1,853
Irondale$1,913
Ironton$1,889
Isabella$1,889
Jackson$1,697
Jacksonville$1,745
Jadwin$1,757
Jameson$1,805
Jamesport$1,769
Jamestown$1,733
Jasper$1,733
Jefferson City$1,613
Jennings$2,753
Jerico Springs$1,781
Jerome$1,745
Jonesburg$1,781
Joplin$1,757
Josephville$1,805
Kahoka$1,757
Kaiser$1,793
Kansas City$2,093
Kearney$1,805
Kennett$1,733
Kewanee$1,709
Keytesville$1,757
Kidder$1,793
Kimberling City$1,781
Kimmswick$2,045
King City$1,817
Kingdom City$1,757
Kingston$1,757
Kingsville$1,745
Kirbyville$1,841
Kirksville$1,709
Kirkwood$1,985
Kissee Mills$1,841
Knob Lick$1,853
Knob Noster$1,733
Knox City$1,817
Koeltztown$1,697
Koshkonong$1,865
La Belle$1,745
La Grange$1,733
La Monte$1,709
La Plata$1,757
La Russell$1,793
Labadie$1,961
LaBarque Creek$2,033
Laclede$1,733
Laddonia$1,697
Ladue$2,033
Lake Lotawana$1,817
Lake Ozark$1,781
Lake Spring$1,721
Lake St. Louis$1,805
Lake Tapawingo$1,865
Lake Waukomis$1,877
Lake Winnebago$1,817
Lakeshire$2,033
Lamar$1,745
Lampe$1,793
Lanagan$1,793
Lancaster$1,793
Laquey$1,721
Laredo$1,781
Latham$1,697
Lathrop$1,805
Laurie$1,793
Lawson$1,817
Leadwood$1,817
Leasburg$1,733
Leawood$1,745
Lebanon$1,661
Lee's Summit$1,865
Leeton$1,769
Lemay$2,081
Lenox$1,745
Lentner$1,793
Leonard$1,769
Leopold$1,829
Leslie$1,889
Lesterville$1,949
Levasy$1,877
Lewistown$1,757
Lexington$1,757
Liberal$1,769
Liberty$1,853
Licking$1,733
Liguori$2,069
Lilbourn$1,697
Lincoln$1,769
Linn$1,709
Linn Creek$1,769
Linneus$1,733
Livonia$1,805
Loch Lloyd$1,829
Lock Springs$1,769
Lockwood$1,781
Lodi$1,829
Lohman$1,613
Lone Jack$1,817
Lonedell$2,009
Long Lane$1,769
Loose Creek$1,685
Louisburg$1,781
Louisiana$1,757
Lowndes$1,877
Lowry City$1,757
Lucerne$1,805
Ludlow$1,769
Luebbering$2,033
Luray$1,757
Lynchburg$1,757
Macks Creek$1,793
Macomb$1,781
Macon$1,721
Madison$1,745
Maitland$1,769
Malden$1,709
Malta Bend$1,721
Manchester$1,973
Mansfield$1,769
Mapaville$2,021
Maplewood$2,129
Marble Hill$1,829
Marceline$1,709
Marionville$1,757
Marlborough$2,033
Marquand$1,841
Marshall$1,697
Marshfield$1,781
Marston$1,697
Marthasville$1,913
Martinsburg$1,757
Martinsville$1,817
Maryland Heights$2,057
Maryville$1,733
Matthews$1,697
Maysville$1,781
Mayview$1,733
Maywood$1,733
Mc Bride$1,721
Mc Fall$1,817
Mc Gee$1,853
Mc Girk$1,721
Meadville$1,745
Mehlville$2,129
Memphis$1,793
Mendon$1,745
Mercer$1,817
Merriam Woods$1,817
Meta$1,745
Mexico$1,733
Miami$1,757
Middle Brook$1,925
Middletown$1,805
Milan$1,781
Milford$1,745
Mill Spring$1,853
Miller$1,793
Millersville$1,769
Milo$1,781
Mindenmines$1,781
Miner$1,697
Mineral Point$1,925
Missouri City$1,889
Moberly$1,733
Mokane$1,781
Moline Acres$2,753
Monett$1,745
Monroe City$1,721
Montgomery City$1,805
Monticello$1,745
Montier$1,889
Montreal$1,769
Montrose$1,757
Moody$1,829
Mooresville$1,769
Mora$1,745
Morehouse$1,709
Morrison$1,829
Morrisville$1,745
Morse Mill$2,057
Mosby$1,841
Moscow Mills$1,865
Mound City$1,769
Moundville$1,781
Mount Sterling$1,829
Mount Vernon$1,769
Mountain Grove$1,745
Mountain View$1,781
Murphy$2,033
Myrtle$1,901
Napoleon$1,781
Naylor$1,925
Neck City$1,733
Neelyville$1,805
Nelson$1,745
Neosho$1,745
Nevada$1,757
New Bloomfield$1,745
New Boston$1,757
New Cambria$1,757
New Florence$1,793
New Franklin$1,757
New Hampton$1,817
New Haven$1,841
New London$1,733
New Madrid$1,721
New Melle$1,865
Newark$1,781
Newburg$1,745
Newtown$1,781
Niangua$1,757
Nixa$1,733
Noble$1,865
Noel$1,781
Norborne$1,793
Normandy$2,645
North Kansas City$1,925
Northwoods$2,645
Norwood$1,781
Norwood Court$2,645
Novelty$1,817
Novinger$1,769
O Fallon$1,817
O'Fallon$1,817
Oak Grove$1,853
Oak Grove Village$1,841
Oak Ridge$1,757
Oakland$1,973
Oakville$2,141
Odessa$1,793
Old Appleton$1,757
Old Jamestown$2,417
Old Monroe$1,853
Oldfield$1,781
Olean$1,781
Olivette$2,117
Olney$1,841
Oran$1,685
Oregon$1,793
Oronogo$1,781
Orrick$1,793
Osage Beach$1,769
Osborn$1,805
Osceola$1,769
Otterville$1,721
Overland$2,153
Owensville$1,829
Oxly$1,901
Ozark$1,721
Pacific$2,009
Pagedale$2,573
Palmyra$1,709
Paris$1,757
Park Hills$1,793
Parkville$1,889
Parkway$1,937
Parma$1,709
Parnell$1,793
Pasadena Park$2,645
Patterson$1,865
Patton$1,829
Pattonsburg$1,805
Peace Valley$1,805
Peculiar$1,805
Perkins$1,697
Perry$1,733
Perryville$1,697
Pevely$2,009
Philadelphia$1,745
Phillipsburg$1,733
Pickering$1,769
Piedmont$1,865
Pierce City$1,769
Pilot Grove$1,745
Pilot Knob$1,889
Pine Lawn$2,777
Pineville$1,793
Pittsburg$1,805
Plato$1,757
Platte City$1,817
Plattsburg$1,817
Pleasant Hill$1,793
Pleasant Hope$1,745
Pleasant Valley$1,865
Plevna$1,805
Pocahontas$1,769
Point Lookout$1,805
Polk$1,769
Pollock$1,781
Polo$1,793
Pomona$1,781
Ponce De Leon$1,805
Pontiac$1,865
Poplar Bluff$1,793
Portage Des Sioux$1,853
Portageville$1,697
Portland$1,805
Potosi$1,913
Pottersville$1,793
Powell$1,805
Powersite$1,829
Powersville$1,793
Prairie Home$1,733
Preston$1,817
Princeton$1,829
Protem$1,841
Purcell$1,757
Purdin$1,745
Purdy$1,781
Puxico$1,745
Queen City$1,805
Quincy$1,817
Qulin$1,817
Racine$1,817
Ravenwood$1,805
Raymondville$1,757
Raymore$1,829
Raytown$2,093
Rayville$1,769
Rea$1,793
Redford$1,949
Redings Mill$1,757
Reeds$1,757
Reeds Spring$1,793
Renick$1,781
Republic$1,769
Revere$1,745
Reynolds$1,949
Rhineland$1,805
Rich Hill$1,745
Richards$1,757
Richland$1,721
Richmond$1,757
Richmond Heights$2,141
Richwoods$1,973
Ridgedale$1,793
Ridgeway$1,817
Risco$1,721
Riverside$1,889
Riverview$2,813
Rives$1,721
Roach$1,829
Robertsville$2,033
Roby$1,745
Rocheport$1,745
Rock Hill$1,985
Rock Port$1,781
Rockaway Beach$1,817
Rockbridge$1,841
Rockville$1,745
Rocky Comfort$1,793
Rocky Mount$1,793
Rogersville$1,793
Rolla$1,697
Rombauer$1,817
Rosebud$1,841
Rosendale$1,769
Rothville$1,757
Rueter$1,841
Rush Hill$1,721
Rushville$1,841
Russellville$1,649
Rutledge$1,817
Saginaw$1,793
Saint Albans$1,973
Saint Elizabeth$1,769
Saint Louis$2,141
Saint Mary$1,733
Saint Patrick$1,769
Saint Thomas$1,637
Salem$1,757
Salisbury$1,745
Santa Fe$1,721
Sappington$1,985
Sarcoxie$1,733
Savannah$1,781
Schell City$1,757
Scott City$1,733
Sedalia$1,673
Sedgewickville$1,841
Seligman$1,805
Senath$1,709
Seneca$1,817
Seymour$1,781
Shelbina$1,769
Shelbyville$1,781
Sheldon$1,781
Shell Knob$1,781
Sheridan$1,841
Shrewsbury$1,985
Sibley$1,901
Sikeston$1,697
Silex$1,865
Silva$1,853
Silver Creek$1,745
Skidmore$1,781
Slater$1,757
Smithton$1,733
Smithville$1,829
Solo$1,757
South Greenfield$1,793
South West City$1,781
Spanish Lake$2,645
Sparta$1,793
Spickard$1,817
Spokane$1,769
Springfield$1,781
Squires$1,853
St. Ann$2,129
St. Charles$1,817
St. Clair$1,937
St. George$2,033
St. James$1,721
St. John$2,165
St. Joseph$1,829
St. Louis$2,537
St. Martins$1,613
St. Peters$1,805
St. Robert$1,709
Stanberry$1,817
Stanton$1,865
Stark City$1,793
Ste. Genevieve$1,733
Steedman$1,769
Steele$1,709
Steelville$1,733
Stella$1,793
Stet$1,781
Stewartsville$1,781
Stockton$1,805
Stotts City$1,769
Stoutland$1,745
Stoutsville$1,745
Stover$1,805
Strafford$1,745
Strasburg$1,793
Sturdivant$1,817
Sturgeon$1,757
Success$1,733
Sugar Creek$2,057
Sullivan$1,841
Summersville$1,829
Sumner$1,745
Sunrise Beach$1,781
Sunset Hills$2,009
Sweet Springs$1,733
Sycamore Hills$2,153
Syracuse$1,805
Tallapoosa$1,709
Taneyville$1,829
Taos$1,613
Tarkio$1,757
Taylor$1,709
Tebbetts$1,745
Tecumseh$1,877
Terre du Lac$1,853
Thayer$1,889
Theodosia$1,865
Thompson$1,745
Thornfield$1,877
Tiff$1,949
Tiff City$1,781
Tina$1,769
Tipton$1,709
Town and Country$2,009
Treloar$1,913
Trenton$1,781
Trimble$1,817
Triplett$1,745
Troy$1,817
Truesdale$1,913
Truxton$1,901
Tunas$1,757
Turners$1,793
Turney$1,793
Tuscumbia$1,769
Udall$1,889
Ulman$1,805
Union$1,901
Union Star$1,793
Uniontown$1,769
Unionville$1,805
University City$2,189
Urbana$1,793
Urich$1,721
Utica$1,757
Valles Mines$1,865
Valley Park$1,973
Van Buren$1,913
Vandalia$1,697
Vanduser$1,697
Vanzant$1,817
Velda City$2,645
Velda Village Hills$2,645
Verona$1,757
Versailles$1,793
Viburnum$1,877
Vichy$1,733
Vienna$1,769
Villa Ridge$1,937
Village of Four Seasons$1,781
Vinita Park$2,165
Vulcan$1,865
Waldron$1,865
Walker$1,769
Walnut Grove$1,829
Walnut Shade$1,817
Wappapello$1,853
Wardell$1,709
Warrensburg$1,721
Warrenton$1,841
Warsaw$1,769
Warson Woods$1,973
Washburn$1,793
Washington$1,877
Wasola$1,877
Watson$1,757
Waverly$1,757
Wayland$1,757
Waynesville$1,697
Weatherby$1,781
Weatherby Lake$1,901
Weaubleau$1,805
Webb City$1,757
Webster Groves$1,985
Weldon Spring$1,829
Wellington$1,757
Wellston$2,573
Wellsville$1,793
Wentworth$1,781
Wentzville$1,805
Wesco$1,757
West Alton$1,865
West Plains$1,781
Westboro$1,769
Weston$1,817
Westphalia$1,685
Westwood$1,973
Wheatland$1,805
Wheaton$1,781
Wheeling$1,781
Whiteman AFB$1,685
Whiteoak$1,721
Whiteside$1,841
Whitewater$1,721
Wildwood$1,997
Willard$1,841
Williamsburg$1,793
Williamstown$1,745
Williamsville$1,853
Willow Springs$1,781
Winchester$1,985
Windsor$1,745
Windyville$1,769
Winfield$1,853
Winigan$1,769
Winona$1,913
Winston$1,781
Wolf Island$1,721
Woodson Terrace$2,285
Wooldridge$1,745
Worth$1,829
Worthington$1,805
Wright City$1,829
Wyaconda$1,769
Wyatt$1,733
Yukon$1,769
Zalma$1,829
Zanoni$1,853

Cheap auto insurance in Missouri with bad credit

Company Avg. Annual Premium
USAA $1,949
Nationwide $2,244
The General $2,254
Travelers $2,327
State Farm $2,790
Progressive $3,336
Allstate $3,763

Missouri auto insurance rate by violation

Accident/Violation Avg. Annual Premium % Rate Increase $ Rate Increase
None $1,927 1% $10
One Med/PIP claim $1,928 1% $21
Not-at-fault accident $1,971 3% $54
Two Med/PIP claims $2,010 5% $93
One comp claim $2,047 7% $129
Two comp claims $2,134 12% $217
Failure to wear a seat belt $2,194 15% $277
Failure to show documents $2,215 16% $298
Driving without lights $2,217 16% $300
Child safety restraint $2,217 16% $300
Cell phone violation $2,253 18% $335
Driving with expired registration $2,256 18% $339
Texting while driving $2,259 18% $342
Following too closely $2,262 18% $345
Driving too slowly $2,276 19% $359
Speeding in school zone $2,276 19% $359
Failure to stop at a red light $2,278 19% $361
Failure to yield $2,278 19% $361
Improper passing $2,284 20% $367
Speeding 6 - 10 MPH over limit $2,285 20% $368
Wrong way/wrong lane $2,287 20% $370
Illegal turn $2,289 20% $372
Speeding 11 - 15 MPH over limit $2,292 20% $375
Speeding 16 - 20 MPH over limit $2,302 21% $385
Speeding 21 - 25 MPH over limit $2,325 22% $408
In 65 MPH zone $2,329 22% $412
Passing school bus $2,374 24% $457
Open container $2,394 25% $467
Operating a vehicle without permission $2,424 27% $507
At-fault accident - less than $1000 $2,535 33% $618
At-fault accident - $1000-$2000 $2,770 45% $853
At-fault accident - greater than $2000 $2,770 45% $853
Refusal to submit to a chemical test $2,987 56% $1,070
Driving with a suspended license $3,033 59% $1,116
DUI $3,054 60% $1,137
Racing $3,204 62% $1,187
Leaving scene of an accident/hit and run $3,193 67% $1,286
Reckless driving $3,240 69% $1,323

Car insurance price trends in Missouri

Year Avg. Annual Premium - Missouri Yearly Change - Missouri Avg. Annual Premium - US Yearly Change - US
2021 $1,708 $21 $1,539 $56
2020 $1,697 -$32 $1,493 -$51
2019 $1,739 $160 $1,554 $33
2018 $1,589 -$207 $1,531 $94
2017 $1,806 $244 $1,447 $79
2016 $1,572 -$313 $1,388 $98
2015 $1,895 $226 $1,290 $61
2014 $1,679 $165 $1,239 $44
2013 $1,524 -$53 $1,205 -$70
2012 $1,587 $333 $1,286 $92

See what you could save on auto insurance

How to Find The Best Car Insurance in Missouri

Car insurance shopping can be a challenge. When comparing auto insurance quotes, providers, and coverage options, numerous factors must be considered. Here, you'll learn how to get the cheapest car insurance quotes while still getting the coverage you need.

According to our review team, the best car insurance companies in the business are those that offer the best value, the best customer service, and the best financial stability. This list is an excellent place to begin when you're ready to shop for car insurance and begin comparing options.

If you're looking for a step-by-step guide on how to buy auto insurance, take a look at our simple guide.

To compare car insurance quotes, you will need to provide personal information. To get an accurate quote, you must provide as much information as possible during the quotation process:

  • To register, you'll need to provide your birth date, name, address, and driver's license number. An examination of your driving and insurance records will be required. To obtain a discount, you may be questioned about your military service, status as a student, or professional affiliations.
  • Include all family members who live in your home, including your spouses, partners, and children under 18, on your policy. Their birthdate, driver's license number, and insurance information are all required.
  • Your car's VIN and the address where you keep it are both required pieces of information. You'll also be asked about the car's security and anti-theft features to get a discount.

Things to Know About Car Insurance When Moving to Missouri

  • If you own a car in Missouri, you're likely covered by your insurance policy. Bodily injury liability, personal injury liability, uninsured motorist protection, collision, and comprehensive automobile insurance are all options in Missouri.
  • "No pay, no play" is now the law in Missouri. You may not be able to completely recover for your injuries, even if the other motorist was 100 percent at fault in an accident in the state of Missouri if you do not have car insurance.
  • Missouri is a no fault divorce state.

How to Get Discounts on Car Insurance in Missouri

If you're looking for a discount on your car insurance policy in Missouri, you'll need to look around. A transition discount may be available if you're switching insurance companies. Relocating may be an option for you to save money. To learn more about the various Missouri auto insurance discounts, check out the blog.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Missouri Car Insurance FAQ's

Who has the cheapest car insurance in Missouri?

We examined quotations for various driver characteristics and discovered that State Farm consistently offered the best rates for Missouri drivers. State Farm's minimum coverage is $432 per year, while complete coverage costs $1410.

How much is car insurance per month in Missouri?

On average, car insurance in Missouri costs $54 per month or $591 per year. Missouri's average vehicle insurance premium is 18% lower than the national average, and the state ranks 24th out of 50 for the cheapest vehicle insurance premiums in the country.

What is the average cost of auto insurance in Missouri?

Missouri's average yearly automobile insurance premium is $1341, which is 6.5 percent cheaper than the national average.

Why is car insurance so high in Missouri?

Cities with a high population density have higher premiums than rural locations since city life usually entails more accidents, property crime, and claims. The most expensive insurance areas in Missouri include St. Louis, Florissant, and Hazelwood.

What is the minimum auto insurance coverage in Missouri?

Missouri auto insurance coverage requirements are $25000/$50000/$10000. In the case of a covered accident, your physical injury limitations are $25000 per person, with a total maximum of $50000 per incident. It also covers damage to another person's property up to $10000.

Does insurance follow the car or the driver in Missouri?

In Missouri, auto insurance frequently follows the vehicle.Bodily injury liability, personal injury liability, uninsured motorist protection, collision, and comprehensive are the forms of automobile insurance that follow the car in Missouri.

What is considered full coverage auto insurance in Missouri?

In Missouri, full coverage insurance is typically characterized as a policy covering more than the state's minimum liability coverage, which is $25000 per person for bodily injury, up to $50000 per accident, and $25000 for property damage.

Is Missouri a no fault car insurance state?

Missouri is an at-fault insurance state. Injured drivers can file a claim with either the at-fault driver or their insurance provider. Furthermore, the driver who caused the collision is accountable for any financial losses, which the insurance company typically covers up to policy limitations.

What is the fine for not having car insurance in Missouri?

If you're found driving without the appropriate insurance in Missouri, you could face harsh consequences depending on the circumstances. You could lose your driver's license for a year and face a $400 reinstatement fee, as well as a $500 fine and 15 days in jail. In Missouri, "no insurance" tickets can never be expunged from your record.

How long do you have to get insurance after buying a used car in Missouri?

In most circumstances, the grace period for Missouri new-car insurance is 2 to 30 days. The new-car grace period refers to the amount of time that insured drivers are permitted to drive a newly purchased vehicle before adding it to an existing auto insurance policy.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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