Low-cost car insurance in Missouri

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Drivers in Missouri can find the cheapest average premium with Travelers, at $1,687 per year. By comparison, the statewide average monthly cost is $201. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Missouri requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $25,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Missouri, depending on your situation.

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

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Carriers reviewed

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Quotes analysed

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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

Teenagers pay significantly more for car insurance than adults in Missouri. For instance, a 16-year-old driver pays $6,841 more on average than a 40-year-old.

The following table shows car insurance rates by age group in Missouri.

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

One speeding ticket in Missouri can cause your insurance rates to jump by 24%, or roughly $583 per year. Combined with the cost of the fine, a violation can get expensive fast. The table below highlights insurers with lower-priced options even 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

Being at fault in an accident will drive your premiums up, but some insurers remain more affordable than others. Travelers is the lowest-cost option for these drivers, with an average annual premium of $2,219.

If you’ve had an accident, comparing quotes can help you avoid overpaying. See the table below for the cheapest companies after one at-fault accident.

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

A DUI places you in the high-risk driver category, which usually leads to much higher premiums. Still, some insurers in Missouri are more affordable than others. The table below shows which companies offer the lowest average 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

Full coverage costs more than liability-only, but for most drivers, the additional protection is worth it. Liability-only policies cover injuries and damage you cause to others, but don’t pay for your own vehicle. Full coverage adds collision and comprehensive, protecting you against accidents, theft, weather damage, and more.

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

We recommend carrying coverage limits of 100/300/100 – $100,000 in bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These higher limits help protect you financially in severe accidents.

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

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost coverage 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 violations 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.