Cheapest Car Insurance in Missouri, 2025: A Comparison of Affordable Rates
Discover affordable car insurance options in Missouri with our 2025 guide. Compare rates, understand factors affecting premiums, and explore tips to secure the best coverage for your budget.
Discover affordable car insurance options in Missouri with our 2025 guide. Compare rates and understand the factors that affect premiums to secure the best coverage for your budget. Make sure to explore various providers to find cheap auto insurance in Missouri without breaking the bank.
This guide breaks down the best options for drivers who need affordable insurance in Missouri. You may be a good driver, or you may have a few tickets or accidents on your record. Either way, we’ve got you covered with tips and average rates to help you get the best deals.
Why Auto Insurance Rates Vary in Missouri
Car insurance premiums in Missouri vary based on several factors, including your age, driving history, location, and vehicle type. For example, drivers in urban areas like Kansas City and St. Louis often face higher rates due to increased traffic and accident likelihood. On the other hand, rural areas like Branson have lower premiums.
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The Average Cost of Car Insurance in Missouri
In 2025, the average annual cost of car insurance in Missouri is approximately $2,974 for full coverage and $849 for minimum coverage. These rates are slightly lower than the national average, making Missouri a relatively affordable state for car insurance.
| Coverage Type | Average Annual Cost |
|---|---|
| Full Coverage | $2,974 |
| Minimum Coverage | $849 |
Source: Cheapest Car Insurance in Missouri for 2025 (US News)
Cheapest Car Insurance Providers in Missouri
To find the most affordable options, we analyzed quotes from major insurance providers based on different driver profiles. Here’s a breakdown of some of the best options for affordable car insurance in Missouri:
| Provider | Average Annual Rate | Average Monthly Rate (Minimum Coverage) | Best For |
|---|---|---|---|
| USAA | $1,064 | $89 | Cheapest Overall |
| Travelers | $1,366 | $144 | After DUI |
| Geico | $1,521 | $127 | Young Adults |
| Missouri Farm Bureau Group | $1,766 | $147 | Teens |
| Auto Owners | $1,904 | $159 | Average Option |
Source: Cheapest Car Insurance in Missouri for 2025 (US News)
Cheapest Car Insurance, Missouri: Costs by City
The average car insurance cost in Missouri varies between cities due to differing claim statistics and cost of living.
In more urban areas, like Kansas City and St. Louis, for example, it’s likely that there are more vehicles on the road, which increases the risk of an accident and, thus, insurance rates.
On the other hand, areas with fewer vehicles or a lower cost of living (which translates to cheaper claims) will generally see lower average rates.
The following are the most expensive cities in Missouri for car insurance:
| City | Average Annual Cost (Full Coverage) |
|---|---|
| Saint Louis | $3,031 |
| Florissant | $2,926 |
| Kansas City | $2,722 |
| Richwoods | $2,712 |
| Pacific | $2,666 |
Source: Average cost of car insurance in Missouri in 2025 (Bankrate)
Cheapest Car Insurance in Missouri by Driver Profile
Different driver profiles will get varying insurance rates. Here are the statewide average rates based on different profiles:
| Driver Profile | Average Annual Cost | Average Monthly Cost |
|---|---|---|
| Teens (Age 17) | $6,567 | $547 |
| Young Adults (Age 25) | $2,641 | $220 |
| Adults (Age 40) | $1,990 | $166 |
| Seniors (Age 60) | $1,813 | $151 |
| Drivers with a Clean Record | $2,481 | $207 |
| Drivers with a Speeding Ticket | $3,067 | $256 |
| Drivers with an Accident Record | $3,469 | $289 |
| Drivers with a DUI | $3,766 | $314 |
| Drivers with Good Credit | $2,481 | $207 |
| Drivers with Poor Credit | $5,154 | $430 |
Source: Cheapest Car Insurance in Missouri for 2025 (US News)
Companies With the Cheapest Auto Insurance, Missouri: Based on Driver’s Age
The following car insurance companies offer the cheapest rates for different driver profiles:
1. Teen Drivers
USAA offers the cheapest average premiums for teen drivers in the state. They offer $2,823 for females and $2,972 for males. Teens who do not qualify for USAA can find the next cheapest rates with Missouri Farm Bureau at $2,749 for females and $3,991 for males.
2. Young Adults
If you’re 25 years old, you will find the cheapest rates with USAA, with average annual rates of $1,259 (females) and $1,317 (males). But if you are not eligible, the next best option is Geico at $1,518 (females) and $1,523 (males).
3. Adult Drivers
Adults who are 40 may find the lowest car insurance premiums from USAA at $979 per year. Travelers is the next-cheapest option with annual premiums of $1,309 for female adults and $1,377 for male adults.
4. Senior Drivers
Married 60-year-olds tend to pay the lowest premiums among all the age groups. USAA offers the lowest rates for male and female senior drivers, at $912 per year and $938 per year, respectively. If you don’t qualify for USAA, Travelers is the next best option.
Cheapest Auto Insurance, Missouri: Based on Driver’s Record
1. Good Drivers
Good drivers in Missouri will find the most affordable rates with USAA. They offer an average annual premium of $1,064. Travelers is the second cheapest option at $1,366 per year, making it ideal for most drivers.
2. Drivers With One Speeding Violation
Travelers is the cheapest option for non-military drivers with one speeding violation. But, USAA has the overall lowest average rate at $1,272.
3. Drivers With A Car Accident
If you get into an accident as the at-fault driver, you will face higher premiums. However, drivers in this category can find the cheapest coverage with USAA, with an annual average premium of $1,471. Travelers have the second-lowest average annual rate at $1,734.
After a collision, premiums often rise—especially if you’re deemed at fault—and insurers may push quick settlement offers. If your crash occurred in the St. Louis area, consider consulting a local car accident lawyer; Missouri’s at-fault and comparative negligence rules, MedPay, and UM/UIM coverage can affect liability and your recovery. For practical guidance on evaluating offers, documenting injuries, and timelines specific to the city, see this resource on St. Louis car accidents.
4. Drivers With A DUI
DUI violations can result in higher premiums. Missouri drivers in this category looking for the best rate will find it with Travelers' annual premium of $1,840.
Cheap Auto Insurance, Missouri: Based on Credit History
Good Credit
Drivers with a good credit score will often pay cheaper premiums. USAA offers competitive rates at $1,064. Travelers has the next best option at $1,366.
Bad Credit
USAA is the cheapest insurer in this category, offering an average annual rate of $2,001. Travelers is the second cheapest and thus the best option for many drivers.
| Company | Poor Credit | Good Credit |
|---|---|---|
| USAA | $2,001 | $1,064 |
| Travelers | $2,218 | $1,366 |
| Geico | $2,377 | $1,521 |
| Missouri Farm Bureau | $2,990 | $1,766 |
Source: Cheapest Car Insurance in Missouri for 2025 (US News)
Cheapest Car Insurance in Missouri by Annual Mileage
Insurers may consider your annual mileage when determining your car insurance rates. In such a case, low-mileage drivers present a lower risk to insure because they’re less likely to get into a collision and file a claim. On the other hand, high-mileage drivers may face higher rates for the opposite reason.
USAA, with an average annual premium of $972, is the cheapest for low-mileage drivers (those who drive under 7,000 annual miles). But, if you don't qualify for USAA, Travelers is a good option with an average annual rate of $1,229.
High-mileage drivers with an annual mileage of 14,000 can find the cheapest auto insurance in Missouri with USAA at $1,064 per year. Travelers is also a good option at $1,366.
| Company | Low Mileage | High Mileage |
|---|---|---|
| USAA | $972 | $1,064 |
| Travelers | $1,229 | $1,366 |
| Geico | $1,457 | $1,521 |
| Missouri Farm Bureau | $1,766 | $1,766 |
| Auto-Owners | $1,904 | $1,904 |
| Statewide Average | $2,377 | $2,481 |
Source: Cheapest Car Insurance in Missouri for 2025 (US News)
Minimum Car Insurance Requirements in Missouri
Missouri requires all drivers to carry liability insurance with minimums of:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury per accident
- $25,000 for property damage liability per accident
- $25,000 for uninsured motorist coverage for bodily injury per person
- $50,000 for uninsured motorist coverage for bodily injury per accident
While these are the minimum amounts the state requires, consider purchasing higher limits or adding optional coverage for more protection.
Additional Coverage in Missouri
Drivers in Missouri often opt for higher limits and additional coverage due to the risks associated with minimum coverage.
For example, if you cause an accident that exceeds the $25,000 minimum for property damage, the rest will come from your pocket. This can happen if you hit a luxury model vehicle such as a Mercedes-Benz.
Therefore, before you get minimum coverage, consider higher limits and optional coverage, such as:
1. Comprehensive Coverage
Comprehensive insurance pays to repair or replace your vehicle if it’s stolen or damaged by something other than a collision. It covers events that are generally outside of your control, such as vandalism and severe weather.
2. Roadside Assistance
This coverage provides services if your car breaks down. Insurers offer it as an optional add-on that covers things like towing (up to a certain distance), jump-starts for a dead battery, flat tire changes, fuel delivery (you pay for the fuel), and lockout service.
3. Collision Coverage
Collision insurance pays to repair or replace your vehicle if it’s damaged in an accident involving a collision with another vehicle or object (like a fence), or if it rolls over. This coverage applies regardless of who is at fault. It’s not compulsory in Missouri, but insurers often require it if you have a car loan or lease.
4. Medical Payments (MedPay)
MedPay pays for medical and funeral expenses for you and your passengers when injured in an auto accident, regardless of who is at fault. It can also provide coverage for you as a pedestrian if you’re struck by a vehicle.
Drivers use MedPay to cover out-of-pocket expenses, including health insurance deductibles and copayments.
5. Uninsured Motorist Property Damage
Uninsured Motorist Property Damage pays for the damage to your vehicle if you’re in an accident caused by a driver who is uninsured (or sometimes a hit-and-run driver).
Is Full Coverage Worth It in Missouri?
Full coverage provides better financial protection, covering both liability and damage to your vehicle. While it costs more than minimum coverage requirements, full coverage can be worth it for newer or higher-value vehicles. It’s especially beneficial if you’re financing your vehicle, as lenders often require full coverage.
Factors Affecting Car Insurance Rates in Missouri
Several factors affect how much you'll pay for car insurance in Missouri. Here’s a breakdown of the most significant factors:
- Driving Record: A clean driving record is key to securing the lowest rates. Violations, such as speeding tickets, accidents, and DUIs, will increase your premium.
- Credit Score: Insurers in Missouri consider credit history when determining rates. Therefore, improving your credit score can reduce your insurance costs and help you find cheap car insurance in Missouri.
- Age and Experience: Younger, less experienced drivers normally pay higher rates. However, rates tend to decrease as you gain more driving experience.
- Vehicle Type: The make and model of your car can affect your insurance rate. Vehicles with advanced safety features and lower repair costs often receive lower premiums. In contrast, luxury sports cars that require imported parts normally face higher premiums.
- Location: Urban areas with increasing traffic density and high accident rates often have higher premiums compared to rural areas.
Tips for Finding Cheap Car Insurance in Missouri
Here are a few tips to help you secure the best rates:
- Compare Quotes: Comparing quotes from multiple insurers is one of the best ways to find an affordable policy.
- Look for Discounts: Many insurers offer discounts for bundling policies, safe driving, being a student, or installing safety features in your vehicle.
- Consider Higher Deductibles: Opting for a higher deductible can reduce your premium. However, make sure you can afford the deductible in the event of a claim.
- Improve Your Credit Score: Working to improve your credit score can result in lower insurance premiums.
- Review Your Coverage: Regularly review your policy to ensure you have the right amount of coverage for your current situation. Dropping unnecessary coverage can save you money.
FAQs
What Is the Average Cost of Car Insurance in Missouri?
The average cost of car insurance in Missouri is about $2,974 for full coverage and $849 for minimum coverage.
What Is the Cheapest Car Insurance in Missouri for Young Drivers?
USAA and Missouri Farm Bureau offer competitive rates for young drivers, specifically teens, with average annual costs of around $2,898 and $3,370, respectively.
How Can I Get the Best Car Insurance Rates in Missouri?
Compare quotes, maintain a clean driving record, look for discounts, and consider a higher deductible to find the best rates.
Is Missouri a No-Fault State?
Missouri is not a no-fault state. In this at-fault state, you must file a claim with the at-fault driver’s insurance company for your medical expenses.
Is there Alternative Car Insurance in Missouri?
Yes, there is. High-risk drivers who cannot find auto insurance on the open market can get coverage through the Missouri Automobile Insurance Plan (MOAIP). MOAIP assists drivers who meet specific eligibility requirements, including possessing a valid driver's license and residing in the state.
