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Icon CheckLast updated: June 5, 2023

The Best Auto Insurance in Missouri

We’re showing Missourians the best car insurance in the Show Me State.

Best Overall
State Farm Logo

State Farm, America’s largest auto insurance provider, offers especially great insurance options for young drivers, rideshare drivers, and Missourians who want to work with agents in local offices.

Best Discounts
AAA Logo

The Automobile Club of Missouri, Missouri’s local AAA affiliate, offers its members a wide variety of perks and opportunities to save on gas, car maintenance, and more.

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Missouri, the 19th most populous state in the nation, is home to more than 4.2 million licensed drivers, all of whom the state legally requires to buy a minimum level of car insurance. Whether you’re on a budget or looking for premium perks to go along with your car insurance, AutoInsurance.com has conducted extensive and proprietary data analysis to find the best car insurance in Missouri. Keep reading to see which insurance provider might be right for you!

Summary of the Best Auto Insurance Companies in Missouri

  1. 1.

    Best Car Insurance in Missouri Overall: State Farm

  2. 2.

    Best Car Insurance in Missouri for Military and Veterans: USAA

  3. 3.

    Best Car Insurance in Missouri for Discounts: AAA

  4. 4.

    Best Usage-Based Insurance in Missouri: Nationwide

Comparison of the Best Auto Insurance in Missouri

Company Coverages Discounts Read our review
State Farm Bodily injury liability

Collision

Commercial auto

Comprehensive

Medical payments coverage

Property damage liability

Rental reimbursement

Rideshare

Roadside assistance

Travel expenses reimbursement

Uninsured and underinsured motorist

Accident-free

Anti-theft device

Bundling

Defensive driving

program enrollment

Good student

Multiple vehicles

Passive restraint

Safe vehicle

Steer Clear young driver telematics program enrollment

Student away at school

State Farm review
USAA Car replacement assistance

Classic and collector car

Collision

Commercial auto

Comprehensive

Guaranteed asset protection (GAP)

Medical payments

Property damage liability

Rental reimbursement

Rideshare

Roadside assistance

Uninsured and underinsured motorist

Windshield repair and replacement

Anti-theft device

Bundling

Clean driving record

Garaging your car on a military installation

Good student

Legacy

Multiple vehicles

New car

SafePilot telematics program enrollment

USAA review
AAA Accidental death and dismemberment

Bodily injury liability

Classic and collector car

Collision

Commercial auto

Comprehensive

Custom equipment

Excess medical payments

Gap

Loan and lease

Medical payments

Property damage liability

Rental reimbursement

Replacement cost

Roadside assistance

Uninsured and underinsured motorist

Anti-theft device

Bundling

Car club membership

Good student

Low mileage

Multiple vehicles

New car

OnBoard telematics program

Paid in full

Paperless

Passive restraint

Professional

Safe driver

Safety inspection

Student away at school

Teen driver training

AAA review
Nationwide Accident forgiveness

Bodily injury liability

Classic and collector car

Collision

Commercial auto

Comprehensive

Gap

Medical payments

Property damage liability

Rental car reimbursement

Roadside assistance

Towing and labor

Trucking and specialty auto

Uninsured and underinsured motorist

Accident-free

Anti-theft device

Automatic payments

Bundling

Defensive driving course

Good student

Paperless

SmartRide telematics program enrollment

Total loss deductible waiver

Vanishing deductible

Nationwide review

THE MORE YOU KNOW:

The term “passive restraint” refers to devices such as seat belts and airbags that keep riders from being thrown from vehicles in the event of crashes. Missouri has a slightly lower than average rate of seat belt usage. According to the National Highway Traffic Safety Administration,1 88 percent of Missourians used seat belts in 2021, compared to the nationwide average of 90 percent.

Detailed List of the Best Auto Insurance in Missouri

1. Best Car Insurance in Missouri Overall - State Farm

What We Like Most:

  • Multiple discounts for safe driving, including one specifically for young drivers
  • Local agents
  • Discounts for multiple cars

State Farm, our top pick for car insurance in Missouri, is the largest auto insurance provider in the U.S. by market share. In 2022, the most recent year for which data is available, the company accounted for 17 percent of private passenger auto insurance policies, according to the National Association of Insurance Commissioners (NAIC), the insurance industry’s regulatory body.2

ProsWho It's Best For
  • pro
    Young drivers
  • pro
    Rideshare drivers
  • pro
    Drivers who want to work with local agents
ConsWho It's Not Best For
  • con
    High-risk drivers
  • con
    Drivers who want gap insurance and whose car loans are not from State Farm Bank

Multiple Discounts for Young Drivers

There’s a reason we’ve named State Farm one of our top picks for the best auto insurance for college students. Young Missouri drivers can potentially earn each of three separate discounts on their State Farm car insurance.

  • Good student discount. To qualify, drivers under the age of 25 who are full-time students at high schools or universities can submit school records demonstrating that they have achieved at least one of the following:
    • Grade point average of B or higher, or 3.0 (out of 4.0) or higher
    • Ranked scholastically in the upper 20 percent of their class
    • Made the dean’s list or honor roll

    Homeschooled students can qualify by submitting evidence they have taken a national standardized test, such as the SAT or ACT, within the last 12 months and scored in the top 20 percent.

  • Student away at school discount. This discount is applicable for young drivers who are on their parents’ car insurance. To qualify, a driver under the age of 25 must meet the criteria below:
    • Be a student who resides at a school more than 100 miles from home
    • Drive the covered vehicle only while home during the school vacation or holiday periods
    • Leave the vehicle at home while they are away at school
  • Steer Clear young driver education and telematics program. State Farm offers a special driver training telematics program for drivers under 25. Participants must meet the following qualifications:
    • Maintain a valid driver’s license
    • Have no at-fault accidents or moving violations for the past three years
    • Download the Steer Clear smartphone app and use it to watch safe driving videos, take quizzes, and record their driving data
    • Complete five training modules
    • Complete five hours of driving in at least 10 trips
    • Complete the Steer Clear course within six months of starting the program

Rideshare Driver Insurance

If you’re a rideshare driver or want to become one, keep in mind that your personal auto insurance policy does not apply while you’re using your car for commercial purposes. In other words, your personal coverage turns off the moment you turn on the rideshare app. Most rideshare companies have their own insurance policies to cover you while you have passengers in the vehicle, but that coverage turns off when you don’t have passengers in your vehicle.

That’s why specialized rideshare auto insurance, like State Farm’s coverage, is crucial. It protects you during the periods when you’re working but don’t have riders in the car, such as when you’re waiting to be assigned a ride or driving to pick up a passenger.

Payoff Protection

State Farm doesn’t offer traditional gap insurance, an optional form of insurance that drivers can buy to pay the difference between a claim payout for a totaled vehicle and what they still owe on their loan or lease. Instead, the company offers a free service called Payoff Protector from its in-house financial services institution, State Farm Bank. For drivers who buy their cars with loans from State Farm Bank and then insure the vehicles with State Farm, Payoff Protector effectively acts as gap insurance.

If the insurance branch of State Farm declares your covered vehicle to be a total loss, State Farm Bank will then cancel the difference between the amount the claim pays out and the outstanding principal balance due on your loan. If you want the protection that gap insurance provides but don’t want to pay extra for the coverage, consider financing and insuring your car with State Farm.

FYI:

Prefer to work with a local agent in person? State Farm has offices in 82 different cities and towns throughout Missouri.

2. Best Car Insurance in Missouri for Military and Veterans - USAA

What We Like Most:

  • Cheapest rates for teens on a family policy or on their own
  • Special discount for teens transitioning off their parents’ policy
  • Strong customer service and claims process

USAA is an acronym that stands for United Services Automobile Association. The company offers banking, investment services, and a variety of insurance options for members and veterans of the United States Armed Forces and their immediate families exclusively.

ProsWho It's Best For
  • pro
  • pro
    U.S. military veterans and their families
  • pro
    Military personnel who are stationed overseas but keep their cars in the U.S.
  • pro
    Rideshare drivers
ConsWho It's Not Best For
  • con
    Drivers not currently affiliated with the U.S. military
  • con
    Nonveterans
  • con
    People who don’t want to join USAA

Specialized Coverage and Discounts for Active Military Service Members

Missouri is home to three military bases belonging to the U.S. Army, Air Force, and Marine Corps, respectively. USAA membership is only available to current and former members of the U.S. military (including members of ROTC programs), as well as their immediate families.

USAA offers specialized coverage options and discounts for its members who are on active duty. These include savings of up to 15 percent off of your comprehensive coverage premium when you garage your car on a military base. You can also earn up to a discount of up to 60 percent off for storing your covered vehicle on base or at another USAA-approved facility while deployed.

If you decide to bring your vehicle along on your deployment, USAA will keep you covered. The company’s international insurance policies allow you to bring your liability coverage and medical payments coverage with you while you’re abroad.

High Customer Satisfaction

USAA ranks highly in car insurance customer satisfaction surveys consistently. Data analytics firm J.D. Power conducts an annual survey on customer satisfaction in the auto insurance industry. In 2022, the most recent year for which data is available, USAA received an overall customer satisfaction score of 881 out of a possible 1,000 points, the highest of any car insurance company included in the study.3

Low-Interest Rates on Car Loans

USAA offers its members several benefits when it comes to buying new cars. In addition to providing insurance, USAA offers its members banking and financial services. You can think of it as a one-stop shop for financing and insuring a car — one that can save you a lot of money.

According to car-shopping authority Edmunds, the average auto loan interest rate in Missouri in April 2023 was just under 7 percent for new cars and 11 percent for used cars.4 Compare that to USAA’s car loans, which start at interest rates of 5 percent for 2022 or newer models or 6 percent for 2016 to 2021 models. In addition, customers who enroll in autopay can get a 0.25 percent discount off their APRs for both new and used car loans.

QUICK TIP:

Focused on car maintenance rather than car shopping? USAA offers member perks that include 25 percent off new Goodyear tires and up to 40 off maintenance services booked through CarAdvise.5

3. Best Car Insurance in Missouri for Discounts - AAA

What We Like Most:

  • Roadside assistance available
  • Bundling can save you money
  • Low rates for good driving records

The American Automobile Association, which goes by the acronym AAA, is a membership-based federation of car clubs best known for its roadside assistance services. The company offers car insurance as well as other forms of property insurance, life insurance, and more. Missourians are eligible for membership in the organization’s Automobile Club of Missouri affiliate.

ProsWho It's Best For
  • pro
    Drivers who prioritize the additional support and services of AAA Auto Club membership
  • pro
    Drivers looking to bundle car insurance with home and/or life insurance
ConsWho It's Not Best For
  • con
    Drivers looking for cheap car insurance

Discounts and Rewards

See below for a list of AAA’s automotive discounts and rewards:

  • Free access to AAA’s car-buying service
  • Savings of at least 5 cents per gallon of gas with AAA Shell Fuel Rewards
  • 10 percent off and rewards points at NAPA Auto Parts
  • 10 percent off parts and labor (up to $50) per day for vehicle repairs and maintenance services at AAA-approved auto repair facilities
  • Up to 20 percent off Hertz car rental, plus a free child seat, no charge for additional drivers, and no young renter fee
  • 8 percent off Thrifty car rentals
  • 10 percent off Dollar car rentals
  • 12 percent or more off Penske truck rentals
  • 45 percent off Zymol car care products
  • 10 percent off Hail Protector weather protection products

Roadside Assistance

AAA car insurance doesn’t just help you out financially in the event of an accident; AAA membership comes with roadside assistance benefits to help you with breakdowns, lockouts, and more. Members are entitled to 24/7 roadside assistance throughout the U.S. Depending on the membership level you select, AAA roadside assistance can include the following services:

Feature Classic membership Plus membership Premier membership
Annual cost $66 $96 $124
Towing Three miles or unlimited back to a service provider

Members get up to four service calls each membership year

Up to 100 miles

Members get up to four service calls each membership year

One tow per household up to 200 miles; remaining tows up to 100 miles

Members get up to four service calls each membership year

Emergency fuel delivery Free delivery, member pays for fuel Free delivery and fuel Free delivery and fuel
Lockout and locksmith (includes parts and labor) $60 $100 $150
Battery and jump starts Yes Yes Yes
Flat tire Yes Yes Yes
Minor mechanical first aid Yes Yes Yes
Extrication and winching One service vehicle, one driver Up to two service vehicles, two drivers Up to two service vehicles, two drivers
RV and motorcycle roadside assistance No Optional benefit for an additional annual fee per household

Any of your four allowable service calls per membership year may be used for RV/motorcycle tows, extrication and winching, and RV tire changes. Up to $500 per service call; $1,000 annual household maximum

Optional benefit for an additional annual fee per household

Any of your four allowable service calls per membership year may be used for RV/motorcycle tows, extrication and winching, and RV tire changes. Up to $500 per service call; $1,000 annual household maximum

Rental car benefits after tow Discounted rates Discounted rates, plus one free class upgrade One-day complimentary standard rental car

Loyalty Perks

AAA offers several loyalty incentives for members who renew their memberships and continue their AAA auto insurance coverage. These include:

  • 6 percent discount on auto insurance premiums: If you stay with AAA for a second year, the company will knock 6 percent off your car insurance premium.
  • Renewal bonuses: At the end of each term, AAA gives you a $50 credit for renewing your policy, and lowers your deductible by $50 as well.
  • Small accident claim forgiveness: AAA defines a small accident as a claim that costs $250 or less if you were at fault in a car accident or $750 or less if you weren’t at fault. After your first year with AAA, the company will not raise your premiums if you’re in a small accident.
  • Full claim forgiveness: If you are accident-free for at least five years, AAA will allow you to completely remove your first claim from your insurance record, no matter what size it is.
4. Best Usage-Based Insurance in Missouri - Nationwide

What We Like Most:

  • Discounts for taking a defensive driver course
  • Network of local agents
  • Usage-based insurance program for low-mileage drivers

Nationwide Mutual Insurance Company is the 10th-largest American private auto insurance provider by market share, according to NAIC. The company has hundreds of insurance agents located in more than 140 cities and towns throughout Missouri.

ProsWho It's Best For
  • pro
    Drivers who mainly use their cars for short, local trips
  • pro
    Drivers who want to work with local agents in person
ConsWho It's Not Best For
  • con
    Rideshare drivers

SmartMiles Pay-Per-Mile Program

Nationwide’s SmartMiles program is a form of usage-based car insurance aimed at low-mileage drivers or those who drive less than average. The cost consists of two parts: a base rate and a variable per-mile cost that adds up the miles you drive per month. The less you drive, the lower your monthly bill will be.

SmartMiles offers the same coverage options as traditional Nationwide insurance policies. To join, participants must install telematics devices in their vehicles. 2018 and newer Ford and Lincoln connected cars can track miles without telematics devices by sending driving data to Nationwide directly.

Nationwide offers a 10 percent discount after your first SmartMiles renewal, as well as a road trip exception, which doesn’t count the first 250 miles on a single day towards your monthly total. You can keep tabs on your mileage and monthly payment via Nationwide’s mobile app and online portal.

You may be a good candidate for SmartMiles pay-per-mile insurance if any of the following apply to you:

  • It takes you less than 25 minutes each way to drive to work.
  • You work from home and don’t commute.
  • You walk, bike, carpool, take public transit, or use another form of transportation instead of driving your car regularly.
  • You have an extra car that you drive rarely.

SmartRide Safe Driving Program

While SmartMiles only tracks your mileage, Nationwide’s SmartRide program tracks both mileage and driving behaviors, making it a better choice for safe drivers. Nationwide offers an instant 10 percent discount upon signup and discounts of up to 25 percent in total, based on how little and how safely you drive.

To participate, contact your insurance agent or Nationwide’s customer service at 1-877-669-6877. Nationwide will send you a small device that plugs into your car and measures the number of miles you drive; your braking, acceleration, and idling time; and how often you drive between midnight and 5 a.m. Log on to your Nationwide account to track your discount and get personalized feedback about your driving behaviors.

Get Help Assessing Your Insurance Needs

Choosing between insurance coverages can be confusing. Not sure if you’re a good candidate for SmartMiles or SmartRide, or if you should explore different types of coverage?

After you sign up for a policy, Nationwide gives you the opportunity to talk with one of its insurance professionals to review your insurance and answer questions at regular intervals. Nationwide calls these free insurance assessments their On Your Side Review and offers them annually or whenever there’s a change in your life, such as a marriage, the birth of a child, or a new home. This assessment is intended to help you with the following subjects:

  • Understanding your insurance policy and benefits
  • Ensuring you have the right amount and types of coverage
  • Determining if recent or upcoming life events mean you need to update your coverage
  • Determining which discounts you qualify for

Methodology

We chose the best auto insurance providers using a three-pronged approach:

  • A wealth of proprietary data: AutoInsurance.com is proud to have been connecting people to their perfect car insurance policies for more than 20 years. By analyzing the millions of data points we’ve collected over the years, we determine which types of customers had the most success with which insurance companies. Not every insurance provider caters to every customer’s needs. By offering information on each company’s strengths and weaknesses, we save customers from wasting time considering providers that won’t be right for them.
  • Institutional knowledge at the highest levels: In the decades that we’ve covered the auto insurance industry, we’ve amassed a deep wealth of institutional knowledge regarding each insurance provider. We consult with Paul Ford, the President of Insurance at AutoInsurance.com’s parent company Centerfield. Ford has spent almost 30 years working in the insurance industry, including tenures at firms such as Bankrate, Datalot, Canadian Access, Capital One Insurance Services, Inslogic, and NetQuote. We leverage Paul’s deep institutional knowledge of the car insurance industry to help our customers find the right coverage.
  • In-depth research: We analyze data about each insurance provider and the auto insurance policies it offers. We integrate third-party customer satisfaction and financial strength ratings from trusted industry authorities, including AM Best, the Better Business Bureau, J.D. Powder, Moody’s, the National Association of Insurance Commissioners, and Standard and Poors.

Frequently Asked Questions

What is the minimum coverage car insurance in Missouri?

The minimum required level of auto insurance coverage for Missouri is as follows:

  • Bodily injury liability coverage: $25,000 per person and $50,000 per accident
  • Property damage liability coverage: $25,000 per accident
  • Uninsured motorist coverages for bodily injury: $25,000 per person and $50,000 per accident

Who pays for medical bills from a car accident in Missouri?

The driver at fault and their insurance company are responsible for paying the medical bills related to a car accident in Missouri, which is an at-fault state.

How many points does it take to lose your license in Missouri?

It takes a total of eight or more points in 18 months to lose your driver’s license in Missouri, according to the Missouri Department of Revenue.

Citations

  1. Seat Belt Use in 2021 — Use Rates in the States and Territories. National Highway Traffic Safety Administration. (2022, May).
    https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/813307

  2. PROPERTY AND CASUALTY INSURANCE INDUSTRY 2022 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM. National Association of Insurance Commissioners. (2023).
    https://content.naic.org/sites/default/files/research-actuarial-property-casualty-market-share.pdf

  3. Auto Insurance Study. J.D. Power. (2023).
    https://www.jdpower.com/business/insurance/auto-insurance-study

  4. May Car Loan Rates (APR) in the U.S. for Used and New Cars. Edmunds. (2023).
    https://www.edmunds.com/car-loan-apr-interest-rate/

  5. Car Maintenance and Repair. USAA. (2023).
    https://www.usaa.com/inet/wc/car-maintenance-repair?akredirect=true