Cheapest Car Insurance Quotes in Missouri City

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Missouri City Car Insurance

^$ 50

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in Missouri City

The car insurance rate in Missouri City is $1215 for a six-month policy, which is $168 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $771, making it a popular choice for budget-conscious drivers. Rates in Missouri City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Missouri City

$1215

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Missouri City

1st place: Texas Farm Bureau

At $771 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $916 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $944 for six months, making it the third cheapest auto insurance company in Missouri City.

Missouri City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Missouri City, TX is Texas Farm Bureau, offering policies at just $771 for a six-month term. This is followed by Mercury, which has an average six-month premium of $916.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1317 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Missouri City drivers find the best deals.

Cheap Car Insurance Companies in Missouri City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$771	$130
Mercury	$916	$155
State Farm	$944	$159
AAA Texas	$958	$162
USAA	$1054	$177
Redpoint Insurance	$1130	$193
Progressive	$1303	$219
Southern County Mutual	$1495	$254
Allstate	$1778	$299
Farmers	$2845	$484
Redpoint County Mutual	$1109	$189
Geico County Mutual	$1240	$211
Germania	$496	$82
AAA	$868	$145
National General	$1317	$219

Key Takeaways

Way's key takeaways about car insurance in Missouri City

The auto insurance costs in Missouri City fall around $771 for six months.
The cheapest auto insurance company in Missouri City is Texas Farm Bureau.
Teen drivers pay the highest rate in Missouri City at $85 per month.

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Cheapest Minimum Liability Car Insurance in Missouri City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Missouri City are given below.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Missouri City. Their Average 6 Month Premium is $296. Germania is the most expensive at $496 for the same period.

Cheapest Liability Coverage in Missouri City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$296	$50
USAA	$331	$56
Progressive	$345	$58
State Farm	$351	$59
Redpoint Insurance	$386	$64
Mercury	$448	$75
AAA Texas	$496	$82
Allstate	$682	$115
Farmers	$1123	$187
Redpoint County Mutual	$372	$61
Geico County Mutual	$386	$66
National General	$427	$71
Germania	$496	$85

Cheapest Full Coverage Car Insurance in Missouri City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Missouri City is Texas Farm Bureau at $130 per month and $771 for six months.

Cheapest Full Coverage Car Insurance Quotes in Missouri City, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$771	$130
Mercury	$916	$155
State Farm	$944	$159
AAA Texas	$958	$162
USAA	$1054	$177
Redpoint Insurance	$1130	$193
Progressive	$1303	$219
Southern County Mutual	$1495	$254
Allstate	$1778	$299
Farmers	$2845	$484
Redpoint County Mutual	$1109	$189
Geico County Mutual	$1240	$211
Germania	$496	$82
AAA	$868	$145
National General	$1317	$219

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Average Car Insurance in Missouri City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Missouri City, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Missouri City, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Missouri City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Missouri City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	Texas Farm Bureau	$811
40s	Nationwide	$805
50s	Texas Farm Bureau	$718
60s	Texas Farm Bureau	$664
70s	Texas Farm Bureau	$712

Cheapest Car Insurance Rates for Teen Drivers in Missouri City,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Missouri City at $65 per month. At $510 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$393	$65
Southern County Mutual	$510	$87
Mercury	$551	$92
AAA Texas	$628	$107
Texas Farm Bureau	$1371	$231
USAA	$1495	$252
State Farm	$1551	$261
Allstate	$3893	$655
Progressive	$6642	$1118
Farmers	$9288	$1579
Redpoint County Mutual	$379	$65
Geico County Mutual	$510	$85

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Missouri City.

As young drivers face the highest rates in Missouri City, Texas Farm Bureau offers the cheapest auto insurance rates at $811 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Missouri City, Mercury is the cheapest car insurance provider. At $600 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Missouri City is State Farm, offering rates of around $5203 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$600	$102
Foremost	$717	$119
AAA Texas	$764	$130
Dairyland	$889	$148
Allstate	$1165	$198
USAA	$1192	$198
Texas Farm Bureau	$1343	$229
Progressive	$1861	$313
Farmers	$4713	$802
State Farm	$5203	$867

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Save up to $971/yr on car insurance rates in Missouri City.

Car Insurance Rates with An Accident in Missouri City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Missouri City, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Missouri City

The cheapest car insurance companies after an at-fault accident in Missouri City include Redpoint Insurance and Southern County Mutual, offering $393 and $476, respectively. National General is an expensive provider with an average six-month premium of $668.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$393	$65
Southern County Mutual	$476	$81
State Farm	$731	$123
AAA Texas	$738	$125
Mercury	$896	$150
USAA	$1095	$184
Texas Farm Bureau	$1212	$204
Progressive	$2253	$379
Allstate	$2536	$427
Farmers	$7821	$1329
Redpoint County Mutual	$379	$63
Geico County Mutual	$476	$81
National General	$668	$114

Missouri City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Missouri City TX. For example, the car insurance in Missouri City after a DUI increases to $910 for a six month policy. While the rate increases by $214 for a six-month policy in the case of a speeding ticket.

Missouri City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1488	$248
One Med/PIP claim	$1502	$255
One comp claim	$1578	$263
Not-at-fault accident	$1592	$270
Two Med/PIP claims	$1598	$267
Failure to show documents	$1654	$281
Driving with expired registration	$1667	$278
Two comp claims	$1681	$285
Cell phone violation	$1695	$283
Driving without lights	$1695	$288
Texting while driving	$1695	$283
Driving too slowly	$1702	$289
Speeding 11 - 15 MPH over limit	$1702	$284
Speeding 16 - 20 MPH over limit	$1702	$289
Speeding 6 - 10 MPH over limit	$1702	$284
Speeding in school zone	$1702	$289
Child safety restraint	$1709	$285
Failure to wear a seat belt	$1709	$290
In 65 MPH zone	$1716	$287
Failure to stop at a red light	$1723	$293
Failure to yield	$1723	$288
Following too closely	$1723	$293
Illegal turn	$1723	$288
Improper passing	$1723	$293
Speeding 21 - 25 MPH over limit	$1723	$288
Passing school bus	$1730	$295
Wrong way/wrong lane	$1730	$288
Operating a vehicle without permission	$1737	$296
At-fault accident - less than $1000	$1805	$300
Open container	$2032	$346
Driving with a suspended license	$2109	$351
Racing	$2233	$379
Reckless driving	$2233	$372
Leaving scene of an accident/hit and run	$2288	$389
At-fault accident - $1000-$2000	$2294	$383
Refusal to submit to a chemical test	$2363	$401
DUI	$2398	$400
At-fault accident - greater than $2000	$2494	$425

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Missouri City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Missouri City.

The cheapest car insurance premiums in Missouri City are offered by Mercury at $593 for a six-month policy. However, it can be as expensive as $3590 with companies like Farmers.

Missouri City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$593	$99
Foremost	$668	$114
Dairyland	$731	$122
AAA Texas	$771	$131
State Farm	$965	$162
Texas Farm Bureau	$1144	$195
Progressive	$1447	$244
USAA	$1481	$249
Allstate	$1888	$318
Nationwide	$1950	$332
Farmers	$3590	$599

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Missouri City are offered by State Farm at $537. However, it can be as expensive as $3907 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Missouri City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$537	$90
Texas Farm Bureau	$593	$101
Mercury	$614	$102
AAA Texas	$654	$111
USAA	$862	$144
Allstate	$1165	$198
Progressive	$2006	$334
Farmers	$3907	$665

Car Insurance Price Trends in Missouri City, Texas

Car insurance rates in Missouri City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Missouri City remained steady at $240 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Missouri City rose to $74 in December, compared to $72 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Missouri City?

The car insurance in Missouri City is $50 per month, which is lower than the national average.

What is the cheapest car insurance in Missouri City?

The cheapest car insurance in Missouri City is $130 per month for full coverage.

How much is car insurance in Missouri City for teenagers?

Car insurance for teenagers costs $393 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Missouri City?

The average cost of car insurance is $1047 for a six-month policy. It will cost around $205 per month to insure your car in Missouri City.

Is car insurance expensive in Missouri City?

Car insurance can be expensive in Missouri City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Missouri City can be affordable.

Cheapest Car Insurance Quotes in Missouri City

Why you can trust Way?

How Much Is Car Insurance in Missouri City

Avg. Car Insurance in Missouri City

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Missouri City

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Missouri City Car Insurance Rates by Company

Cheap Car Insurance Companies in Missouri City, TX

Way's key takeaways about car insurance in Missouri City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Missouri City

Cheapest Liability Coverage in Missouri City, TX

Cheapest Full Coverage Car Insurance in Missouri City

Cheapest Full Coverage Car Insurance Quotes in Missouri City, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Missouri City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Missouri City, TX increasing?

Car Insurance Premiums by Age in Missouri City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Missouri City,TX

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Missouri City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Missouri City

Cheapest Car Insurance Companies after an At-Fault Accident in Missouri City

Missouri City Car Insurance Rates by Violation

Missouri City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Missouri City after a DUI

Missouri City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Missouri City after Speeding ticket

Car Insurance Price Trends in Missouri City, Texas

Average Car Insurance Cost in Missouri City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Missouri City, TX

Car Insurance Rates by State in the USA (2025 Update)

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