Compare Cheap Auto Insurance in Missouri

USAA has the cheapest average full coverage car insurance in Missouri at $1,231 annually, which is almost 50 percent less than the statewide average of $2,458. However, USAA is only available to military members, veterans, and their families. For those who don’t qualify, Travelers ($1,405 annually) and State Farm ($1,854 annually) are next-cheapest.

USAA’s rates are consistently low across all driver profiles  in Missouri. It also has the highest regional J.D Power third-party customer and claims satisfaction ratings. This is why we named it our top auto insurance pick in Missouri for military members and their families.

USAA has the cheapest average minimum coverage in Missouri at $331 per year ($28 monthly), which is less than half the statewide average. Missouri Farm Bureau is close behind at $402 annually ($33 monthly).

On average, auto insurance for households with teens in Missouri costs $7,152 annually. Military families may find the cheapest rates with USAA, whose average rate of $3,338 is about 53 percent cheaper than the statewide average. Shelter ($5,074 annually) and Travelers ($5,388 annually) also have cheaper-than-average rates for policies with teen drivers.

On average, the cheapest auto insurance for drivers with a speeding ticket in Missouri is USAA. Its average annual rate is $1,336, which is 52 percent less than the statewide average of $2,802. Travelers ($1,782 annually) and State Farm ($1,978 annually) are next-cheapest.

An at-fault accident will increase your rates — the exact increase will depend on the severity of the accident and will vary by provider. On average, USAA has the cheapest at-fault accident rates in Missouri at $1,585 annually ($132 monthly). Travelers is next-cheapest at $1,748 annually ($146 monthly).

A DUI is one of the most serious driving violations. In addition to fines, penalties, and legal fees, a DUI will increase your insurance rates significantly. Travelers has the cheapest DUI auto insurance in Missouri, with an average annual rate of $1,946. USAA and Progressive are next-cheapest, and the latter is known nationally for offering affordable DUI coverage.

In Missouri, a poor credit score will raise your auto insurance rates even more than a DUI on average. USAA has the cheapest average rates for drivers with low credit at $2,063 annually ($172 monthly). Travelers is next-cheapest at an average of $2,477 annually ($206 monthly).

USAA earns high scores in both J.D. Power’s Customer and Claims Satisfaction studies, with scores of 719 and 741, respectively.

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. State Farm also fares 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 $3,562 — about 45% higher than the statewide average. Rates in Columbia ($2,440 annually) and Springfield  ($2,577 annually) are more modest.

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.

We analyze average auto insurance premiums in Missouri for full and minimum coverage for good drivers with good credit as well as other driver profiles, including teens and those with DUIs, accidents, and low credit. Full coverage averages use the following limits:

• Bodily injury liability: $100,000 per person/$300,000 per accident
• Property damage liability: $100,000 per accident
• Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
• Comprehensive and collision: $500 deductible