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The Best Cheap Missouri Car Insurance for 2023

Updated April 24, 2022
Dana George
By: Dana George

Our Insurance Expert

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Missouri is serious about its auto laws. The last thing a driver wants to do is get pulled over without proper auto insurance, particularly if they're involved in an accident. For anyone who wants to drive legally but is on a budget, the best bet is to search through the cheapest car insurance policies. Here, we've combed through auto insurance carriers to find the best car insurance in Missouri with low-cost options.

  • Cheapest for typical drivers: USAA
  • Cheapest for military members: USAA
  • Cheapest for teen drivers: USAA
  • Cheapest for senior drivers: USAA
  • Cheapest for drivers looking for minimum coverage: USAA

Cheapest for typical drivers

When it comes to cheap Missouri auto insurance, USAA is the clear winner -- across the board, actually. With an average annual rate of $933, USAA leaves most insurers in the dust.

USAA

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Best for Missouri drivers with a clean driving recordUSAA
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Because USAA is only available to military members and their families, the next best options are:

  • Progressive, coming in with an average annual rate of $1,405
  • State Farm, with an average rate of $1,433
  • Nationwide, with a relatively competitive rate of $1,589

Cheapest for military members

One small way Missouri auto insurance carriers can thank military members and their families for their sacrifice is by offering them a break on their auto insurance. Once again, USAA offers up the cheapest car insurance in Missouri, with an annual rate of $980 for military members and their families.

Again, because not everyone qualifies for a USAA policy, here are a few other insurance companies with affordable rates:

  • Progressive, with a rate of $1,256
  • State Farm, offering an average annual rate of $1,433
  • Nationwide, coming in with an average rate of $1,600

Cheapest for teen drivers

There's no denying that insurers charge more to insure teens and young drivers. As high as the following premiums may seem, they are far and away lower than many insurance companies. One of the best car insurance companies in Missouri for young, inexperienced drivers is once again USAA. USAA offers teens an average annual rate of $2,016.

Even though they're more expensive than USAA, these three carriers still beat the rest of the pack:

  • State Farm, with an annual rate of $3,483
  • Nationwide, coming in with a rate of $4,355
  • American Family, offering an average annual rate of $4,367

Cheapest for senior drivers

One advantage of getting older is that you have years of driving experience under your belt. Because of that, some of the most affordable car insurance rates in Missouri are offered to seniors. Once again, one of the best insurance companies in Missouri is USAA. Current and former members of the military (of a certain age) can score a rate in the vicinity of $980 annually.

Other contenders for low-cost car insurance include:

  • Progressive, with an average annual rate of $1,189
  • State Farm, offering a competitive annual rate of $1,274
  • Nationwide, rounding out the top four with an average annual rate of $1,333

Cheapest for drivers looking for minimum coverage

At the very least, drivers should carry state-mandated minimum coverage. It won't make repairs to their car if they're involved in an accident, but it can prevent them from being sued if they're involved in an accident. Drivers looking for cheap liability car insurance in Missouri have four competitive options. The first is USAA, with an average annual rate of $267.

Those who do not qualify for USAA coverage still have three worthy options. They are:

  • Farm Bureau Town & Country, with an average annual rate of $411
  • Progressive, offering a low rate of $425
  • State Farm, also in the game with an average rate of $450

Average car insurance cost in Missouri compared to the national average

The average rate for Missouri auto insurance is precisely the same as the national average auto rate: $2,646.

Average Rate Category Missouri National Average
Overall $2,646 $2,646
Young drivers $6,272 $5,988
1 accident on driving record $2,938 $3,092
1 speeding ticket on driving record $2,678 $2,766
What drivers in Missouri can expect to pay for car insurance compared to the national average

Missouri auto insurance laws

Missouri car insurance laws are serious business. If a driver is pulled over and cannot provide proof of insurance, they can expect one of the following penalties, depending on why they were pulled over:

  • Four points assessed against their driving record
  • Order of supervision entered against the driver to ensure liability insurance is purchased and remains current. The court will likely order an SR-22, a form provided by an insurance company that serves as proof that the driver is insured. The driver is responsible for paying the extra fee associated with the SR-22.
  • The court may suspend their driving privileges, and the driver may be ordered to pay fees ranging from $20 to $400.

Missouri minimum coverage requirements

Drivers seeking Missouri minimum car insurance must carry the following:

  • $25,000 bodily injury or death of one person
  • $50,000 total bodily injury or death liability
  • $10,000 property damage
  • $25,000 per person and $50,000 per accident, uninsured motorist coverage

How to get cheap auto insurance in Missouri

The goal is to land an insurance policy with the highest level of coverage at the lowest price. Drivers can help themselves by looking out for the following:

Driving record

Insurance companies appear to believe that looking into the past is the best way to predict the future. That's why they consider driving records when quoting a premium price. The cleaner the record, the lower the premium. One of the easiest ways a driver can receive a low car insurance quote is to keep their driving record clean.

Credit score

Studies show that drivers with high credit scores tend to make fewer insurance claims. And that's the reason an insurance carrier will run a driver's credit score before quoting a premium. Simply put, the higher the credit score, the lower the premium. Any driver whose credit score is making it tough to snag a low annual insurance premium may want to focus on boosting their score so they can take advantage of lower rates.

Discounts

As drivers consider, "How much is car insurance in Missouri?" they will likely wonder if there are ways to keep the annual premium down. There are. Insurance companies offer a wide range of discounts on car insurance. Here are some of the most popular:

  • Good student discount
  • Defensive driver discount
  • Pay-in-full discount
  • Away-at-school discount
  • Occupational discount
  • Alumni discount
  • Professional organization discount
  • Safety feature discount
  • Usage-based discount
  • Multi-car discount
  • Multi-policy discount
  • New car discount

Other things to consider when looking for car insurance in Missouri

The Insurance Information Institute estimates that 1 in 6 Missouri drivers are on the road without insurance. As they compare car insurance rates in Missouri, drivers should carefully consider which company offers the greatest level of coverage for the lowest price. And because 1 in 6 drives without coverage, they should pay careful attention to the levels of uninsured motorist coverage available to them.

You May Be Able To Bundle: Did you know you can bundle your car insurance with some of the best Missouri homeowners insurance policies?

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