Compare Cheap Auto Insurance in Missouri

• The average cost of full coverage car insurance in Missouri is $2,109 annually. The average cost of minimum coverage is $1,081 annually.
• USAA has the cheapest average cost in most categories, but is only available to military members, veterans, and their families. Travelers, Farm Bureau, and State Farm also have cheaper-than-average costs for non-military drivers.

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• Cheapest full coverage auto insurance in Missouri: USAA ($1,219 annually) and Travelers ($1,405 annually)
• Cheapest minimum coverage: USAA ($335 annually) and Farm Bureau ($373 annually)
• Cheapest with a teen driver: USAA ($3,149 annually) and Farm Bureau ($4,992 annually)
• Cheapest with a speeding ticket: USAA ($1,228 annually) and Travelers ($1,744 annually)
• Cheapest with an at-fault accident: USAA ($1,489 annually) and Travelers ($1,717 annually)
• Cheapest with a DUI: USAA ($1,780 annually) and Travelers ($1,915 annually)
• Cheapest with low credit: USAA ($1,681 annually) and Travelers ($2,447 annually)

USAA earns high scores in both J.D. Power’s Customer and Claims Satisfaction studies, with scores of 759 and 726, respectively. However, its D+ score from the CRASH Network Insurer Report Card is the lowest of all our cheapest providers in Missouri, suggesting repair shops have experienced some dissatisfaction with aspects of its claims process, which could affect the customer experience.

While regional insurer Shelter doesn’t have the absolute cheapest average rates in Missouri, it tends to fall around average or below average in many categories, and ranks highly on third-party measures of customer satisfaction. It’s worth a look, especially if you value customer service. Farm Bureau and State Farm also fare relatively well when it comes to claims and customer satisfaction.

1. Bundle policies: Many providers offer discounts for auto insurance customers who purchase multiple policies. Common bundles include auto insurance and home insurance, renters insurance, or motorcycle insurance.  
2. Take advantage of group discounts: Most auto insurers offer a wide range of discounts for specific groups, including military members, federal workers, and alumni associations. Work with an insurance agent to determine which group discounts you may be eligible for. 
3. Keep a clean record: One of the most effective ways to keep your auto insurance rates low is to maintain a clean driving record. In Missouri, a violation can increase your rates between 25% and 85% higher than the statewide average. Always practice safe habits to maintain a clean record.  
4. Raise your deductible: By raising your deductible, you’ll decrease your monthly premiums. However, your out-of-pocket cost will be higher if you do need to file a claim, so it’s important to make sure you have funds set aside to cover this expense if you decide to go this route. 
5. Improve your credit score: Maintaining a strong credit rating will help keep your auto insurance rates low. In fact, drivers in Missouri with low credit can expect to pay, on average, $1,853 more annually for their full coverage auto insurance. This is an 87% increase on a full coverage policy for a driver with a clean record. Keep your rates low by taking steps to improve your credit score over time. 
6. Consider usage-based discounts: Those who drive their vehicle less frequently can save money by opting for usage-based discounts. Usage-based discounts monitor the number of miles you drive, and adjust your rates accordingly, lowering your premiums the fewer miles you drive. They also monitor driving habits — such as braking, speeding, and phone usage — and reward safe driving practices with savings. Examples of such programs include State Farm Drive Safe and Save and Progressive Snapshot.

Saint Louis has the highest auto insurance rates in Missouri, with an average annual cost of $2,932 — about 39% higher than the statewide average. Rates in Curryville ($2,223 annually) and Bevier ($2,260 annually) are more modest, though still higher than the statewide average.

In Missouri, your car insurance coverage must meet certain legal requirements. This includes bodily injury and property damage liability, which pay for the other party’s costs if you cause an accident. Missouri also requires uninsured motorist coverage, which helps pay for your costs if you get into an accident with a driver who is uninsured.

In Missouri, your auto insurance must meet the following liability limits at a minimum:

• Bodily injury liability: $25,000 per person/$50,000 per accident
• Property damage liability: $25,000 per accident
• Uninsured motorist bodily liability: $25,000 per person/$50,000 per accident⁴

While these are the legal liability limits, in some cases, minimum coverage auto insurance is not enough to cover the expenses of a serious accident.