Low-cost car insurance in Missouri

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Travelers provides the lowest car insurance rates in Missouri at $1,687 a year. The average premium is $201 per month in Missouri, though your actual rate may vary.

Car insurance requirements differ by state. In Missouri, drivers are required to carry at least the minimum liability coverage: $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage per accident.

Full coverage car insurance can be a smart choice for drivers who want more than the bare minimum. It combines liability with collision and comprehensive coverage, protecting not only other drivers and their property but also your own vehicle in cases of accidents, theft, or weather damage.

Below, you’ll find which insurance companies are the most affordable for different categories.

Key Takeaways

Travelers has the lowest average car insurance premium in Missouri, costing $1,687 per year. That’s $723 the state average.
For drivers with an at-fault accident on record, Travelers offers the most affordable coverage at around $2,219 annually.
The 65053 ZIP code stands out as the cheapest area for auto insurance in Missouri, with an average yearly cost of $1,913.

Low-cost car insurance businesses in Missouri

When comparing insurers in Missouri, Travelers leads the pack with an annual average of $1,687. That’s $723 less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Missouri.

Company	Average annual rates
Travelers	$1,687
GEICO	$1,861
Shelter Insurance	$2,149
Missouri Farm Bureau	$2,801
Auto Club Enterprises (AAA)	$2,969
Nationwide	$3,067
Progressive	$3,934
USAA*	$1,269

*USAA is only available to military community members and their families.

How we choose low-cost car insurance companies in Missouri

170+

Carriers reviewed

78M+

Quotes analysed

34K+

ZIP codes examined

ZIP codes with the cheapest car insurance in Missouri

Drivers in 65053 benefit from the lowest average premium in the state, at $1,913 per year. See the table below to find other ZIP codes in Missouri where insurance tends to be cheaper.

ZIP code	City	Average annual rates
65053	Lohman	$1,913
65023	Centertown	$1,913
65040	Henley	$1,961
65076	St. Thomas	$1,961
65032	Eugene	$1,987
72643	Lead Hill	$2,070
65470	Falcon	$2,073
65109	Jefferson City	$2,087
65101	Jefferson City	$2,091
63783	Uniontown	$2,093

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Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Missouri by city

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Low-cost car insurance in Missouri by age

Teen drivers in Missouri pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $6,841 more than a 40-year-old driver in Missouri.

The table below shows low-cost car insurance rates for drivers of different ages.

Age group	Full coverage annual premiums
Teens (16-19)	$7,442
Young Adults (20-24)	$3,986
Adults (25-60)	$2,405
Seniors (65-75)	$2,243

Low-cost car insurance in Missouri by driver history

Your driving record is one of the biggest factors in your insurance price. Tickets or accidents will raise your premium, while drivers with clean records are considered lower risk and typically receive more affordable coverage.

Low-cost car insurance after a speeding ticket in Missouri

A single speeding ticket in Missouri can push your rates up by 24%, or about $583. Along with the fine, that makes speeding a costly mistake. Here are a few insurers that still provide lower-priced coverage after a ticket.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
GEICO	$1,861	$2,193	18%	$332
Travelers	$1,687	$2,279	35%	$592
Auto Club Enterprises (AAA)	$2,969	$4,400	48%	$1,431
Progressive	$3,934	$4,589	17%	$655
Nationwide	$3,067	$4,677	53%	$1,611
USAA*	$1,269	$1,524	20%	$255

*USAA is only available to military community members and their families.

Low-cost car insurance after an accident in Missouri

Travelers offers the lowest car insurance rates to drivers after an at-fault accident at $2,219 a year.

If you’re in an accident and are at fault, you will see your car insurance premiums increase. However, this doesn’t mean you can’t shop around to find better rates.

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Company	Average annual premium	New rate after accident	% Increase	$ Increase
Travelers	$1,687	$2,219	32%	$532
GEICO	$1,861	$3,745	101%	$1,884
Auto Club Enterprises (AAA)	$2,969	$4,651	57%	$1,682
Nationwide	$3,067	$4,933	61%	$1,866
Progressive	$3,934	$5,307	35%	$1,373
USAA*	$1,269	$1,775	40%	$506

*USAA is only available to military community members and their families.

Low-cost car insurance after a DUI in Missouri

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Missouri offer the most affordable rates after a DUI conviction.

Company	Average annual premium	New rate after accident	$ Increase	% Increase
Travelers	$1,687	$2,377	$691	41%
GEICO	$1,861	$3,393	$1,532	82%
Progressive	$3,934	$4,338	$404	10%
Auto Club Enterprises (AAA)	$2,969	$4,574	$1,604	54%
Nationwide	$3,067	$6,347	$3,280	107%
USAA*	$1,269	$2,260	$992	78%

*USAA is only available to military community members and their families.

Average cost of car insurance Missouri

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Missouri, the average cost of full coverage is $103 less compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage refers to liability insurance plus both collision and comprehensive. Collision pays for damage to your vehicle after an accident, while comprehensive covers non-collision events like theft, fire, or hail damage.

If you lease or finance your vehicle in Missouri, your lender may require collision and comprehensive insurance on top of the state’s liability minimums.

The bottom line on saving and staying protected

Everyone wants to save on car insurance, but skimping on coverage can leave you with big bills after an accident.

The best approach is to balance affordability with protection. Always compare quotes from at least three companies to find the cheapest car insurance in Missouri.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Missouri. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1 At-fault property damage accident over $2K
1 At-fault property damage accident under $2K
At-fault bodily injury accident
Poor credit
DUI/DWI first offense
Speeding 30+ over limit
Speeding ticket 1-10 MPH over limit
Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.