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Get Cheap Car Insurance in Missouri
We monitor insurance prices, helping the average driver in Missouri save up to 28.5% on car insurance.
The Cheapest Minimum Coverage in Missouri
The chart below shows the cheapest car insurance company in Missouri for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Travelers, Safeco Insurance, and Clearcover.
| Missouri Insurer | Monthly Cost |
|---|---|
| State Farm | $82 |
| Travelers | $82 |
| Safeco Insurance | $84 |
| Clearcover | $90 |
Savings for Every Kind of Missouri Driver
Based on our extensive insurance data, we know the average Missouri driver will save about 27% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $584 per year by choosing the right vehicle insurance company. Some Missouri residents are paying out over $2,165 extra every year for auto insurance in Missouri. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Missouri Savings / Yr. |
|---|---|
$584 |
|
$815 |
|
$745 |
|
$834 |
|
$1,760 |
|
$454 |
|
$697 |
Missouri Car Insurance vs. the United States
People living in Missouri pay an average of 20.19% more than the typical driver in the nation. The average driver in Missouri can expect to pay about $1,333 per year, or $2,165 for full coverage.
Based on our analysis, Clearcover will be the cheapest provider in Missouri for most people.
Car Insurance Prices by Missouri Neighborhood
Insurance Prices
Where is insurance cheapest within Missouri?
The map shows insurance prices in and around Missouri, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $942 per year within the state boundaries, with insurance premiums ranging from a high of $2,594 to a low of $1,652. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southwest parts of Missouri.Pick the Best Car Insurance Company for You in Missouri
The best car insurance provider for most drivers in Missouri
For drivers with clean driving records and no major strikes, Clearcover is the best option, with annual savings of $584 over the average Missouri car insurance company.
The best car insurance provider for Missouri drivers with accidents on their records
In our analysis, Travelers saved the average person who had been in an accident the most, with annual savings averaging $815 over the competition.
The best car insurance company for Missouri drivers with speeding tickets
>Clearcover gave the average person with a speeding ticket the most savings, averaging $745 better than other car insurance companies.
The best auto insurance for Missouri drivers with a DUI conviction
Getting a quote from Clearcover may cost the average person with a DUI about $834 less each year.
The least expensive car insurance company for new and young drivers in Missouri
In Missouri, Travelers costs young drivers $1,760 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Missouri
State Farm gave the largest car insurance discounts to married couples, averaging $454 saved each year compared to an average Missouri couple's premiums.
The cheapest car insurance in Missouri for drivers with bad credit
The best Missouri car insurance company for customer service
Recent price drops
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The cheapest large national provider in Missouri
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Missouri driver can expect to pay about $114 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Missouri, USAA has the best prices for drivers with speeding tickets, drivers with bad credit, drivers with a DUI conviction, married couples, good drivers, drivers with accidents, and young drivers.Auto Insurance Prices in and Around Missouri
What Influences the Cost of Car Insurance in Missouri?
On average, car insurance in Missouri is more expensive than the rest of the nation. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the state are influenced by the following factors:
- Missouri state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Missouri are about average in the nation, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Missouri is a fairly densely populated area in the nation. The state’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Missouri is $111 per month for minimum coverage and $180 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby States
- Arkansas: Insurance costs 12.70% less
- Illinois: Insurance costs 29.61% less
- Iowa: Insurance costs 51.92% less
- Kansas: Insurance costs 24.48% less
- Oklahoma: Insurance costs 6.24% less
- Indiana: Insurance costs 53.95% less
- Nebraska: Insurance costs 37.32% less
- Tennessee: Insurance costs 41.39% less
- Kentucky: Insurance costs 40.37% more
- Ohio: Insurance costs 61.06% less
States with Similar Populations
- Arkansas: Insurance costs 12.70% less
- Alabama: Insurance costs 20.79% less
- Mississippi: Insurance costs 10.07% less
- Michigan: Insurance costs 159.08% more
- Massachusetts: Insurance costs 25.64% less
- Maine: Insurance costs 72.42% less
- Louisiana: Insurance costs 179.82% more
- Iowa: Insurance costs 51.92% less
- Indiana: Insurance costs 53.95% less
- Idaho: Insurance costs 60.55% less