Best Car Insurance in Missouri
Last Updated on December 29, 2020
Missouri is in the middle of the country when it comes to state-by-state car insurance rates. Missouri is nowhere close to being the cheapest state for car insurance – but it’s also far from the most expensive state. On most lists, Missouri ranks as around the 25th cheapest state for car insurance – or the 25th most expensive state, depending on how you look at things.
The average Missouri driver pays around $1,423 per year for car insurance, which is close to the nationwide average. However, by choosing the right car insurance provider and shopping around, Missouri drivers can pay even less for car insurance.
Table of Contents
- Best Auto Insurance Companies in Missouri
- Missouri Auto Insurance Requirements
- Driving Without Insurance in Missouri
- Car Insurance in Missouri with a DUI
- Car Insurance in Missouri with At-Fault Accidents
- Car Insurance in Missouri with Speeding Tickets
- Car Insurance in Missouri for Young Drivers
- Car Insurance in Missouri with Poor Credit
- SR-22 Insurance in Missouri
Top 10 Auto Insurance Companies in Missouri
Certain car insurance companies consistently rank among the best insurers in Missouri. Using our model driver profiles to calculate average premiums, we identified all of the following insurers as some of the best auto insurance companies in Missouri:
1. Missouri Farm Bureau
Available only in Missouri, Missouri Farm Bureau is popular throughout the state for its homegrown approach to car insurance. But Missouri drivers like Farm Bureau for more than just the local attitude: Missouri Farm Bureau also offers some of the cheapest insurance premiums in the state, with drivers paying just $1,111 per year for car insurance, on average.
|Missouri Farm Bureau|
|Company Address||701 S. Country Club Drive
P.O. Box 658
Jefferson City, Missouri 65102
USAA is available to members of the military and their families. If you qualify for membership in USAA, then you get a well-rated car insurance company with proven customer service and customer satisfaction rankings across the state of Missouri. Expect to pay just $1,123 per year for full coverage car insurance in Missouri with USAA.
|Company Address||9800 Fredericksburg Road
San Antonio, TX 78288
Safeco is frequently well-rated for customer service and claims satisfaction, but it’s rarely among the cheapest providers in a state. That’s not the case in Missouri, as Safeco is one of the best-rated options in terms of both price and claims satisfaction. Safeco charges drivers in Missouri approximately $1,045 per year for full coverage car insurance, according to our model driver portfolios.
|Company Address||175 Berkeley Street,
Boston, MA 02116
4. State Farm
State Farm once exclusively insured farmers, although the company now insures millions of drivers across the United States. In fact, State Farm is America’s largest property and casualty insurance company. State Farm continues to offer some of the best and lowest prices on car insurance in Missouri, with drivers paying roughly $1,052 per year for full coverage insurance.
|Company Address||1 State Farm Plaza
Bloomington, IL 61701
5. American Family Insurance
American Family Insurance, also known as AFI or AmFam, is a popular car insurance company for drivers in Missouri. Expect to pay as little as $1,102 per year for full coverage car insurance with American Family, with rates varying across the state depending on your location and demographic data, among other factors.
|Company Address||6000 American Parkway
Madison, WI 53783
Progressive, like State Farm, insures millions of drivers across the United States and thousands of drivers in Missouri. Progressive offers cheap prices and a big box insurance experience, similar to most other companies on this list. The average Progressive policyholder in Missouri pays around $1,212 per year.
|Company Address||6300 Wilson Mills Road
Mayfield Village, OH 44143
Shelter isn’t available in all states, although it’s a very well-rated option in most of its covered states. Shelter is popular throughout Missouri and neighboring states for its strong claims satisfaction and customer service record. Generally, customers are happy with their Shelter car insurance. Shelter customers in Missouri pay around $1,232 per year for full coverage car insurance, although the company is particularly affordable for drivers looking for bare minimum liability insurance coverage.
|Company Address||1817 W. Broadway
Columbia, MO 65218
Allstate is a large and well-known insurance company with a long reputation of providing affordable insurance across the country. In Missouri, the company offers competitive pricing compared to other nationwide insurers, with drivers paying around $1,233 per year for car insurance.
|Company Address||2775 Sanders Road
Northbrook, IL 60062
Nationwide isn’t the cheapest auto insurance company in Missouri, nor are they the best-rated for customer service or claims satisfaction. Missouri drivers who already have home insurance and other insurance products with Nationwide, however, might enjoy bundling policies with Nationwide in Missouri. Expect to pay around $1,299 per year according to our driver profiles.
|Company Address||One Nationwide Plaza
Columbus, OH 43215
10. Liberty Mutual
Liberty Mutual, unlike GEICO, doesn’t cater to budget-minded customers. Instead, the large insurance company caters to drivers willing to spend a little more for better service. Although Liberty Mutual doesn’t always live up to that advertised reputation, the company is popular and well-rated throughout Missouri at an average cost of around $1,313 per year.
|Company Address||75 Berkeley Street
Boston, MA 02116
Missouri Insurance Requirements
Overall, Missouri’s car insurance requirements are similar to other states. The company requires drivers to have a certain minimum amount of bodily injury liability coverage and property damage liability coverage, along with uninsured motorist coverage.
Like all states, Missouri does not require drivers to have comprehensive or collision coverage. However, many drivers buy this coverage to protect their own vehicle and cover other costs after an accident.
Here are Missouri’s minimum car insurance requirements according to the Department of Revenue, which oversees licenses and registration for drivers in Missouri:
- $25,000 of bodily injury liability coverage per person, $50,000 per accident
- $25,000 of property damage liability coverage
- $25,000 of uninsured motorist liability coverage per person, $50,000 per accident
Any car insurance policy you buy from a licensed insurer in the state of Missouri will meet these minimums (at least). Many drivers choose to exceed these minimums for added protection.
Driving Without Insurance in Missouri
According to Missouri state law, it’s illegal to drive without insurance. Drivers caught without insurance could face license suspension, license points, and even jail time, among other penalties.
If caught driving without insurance once in Missouri, a judge can issue a fine of up to $300. Your conviction could also be accompanied with 15 days of jail time, a license suspension, and a supervision order, among other penalties.
All convictions for driving without insurance will also lead to 4 driver’s license points. If you accumulate 8 points within an 18 month period (regardless of the cause of those points), then your license is suspended for 30 days (assuming this is the first time your license has been suspended).
If you accumulate 12 points within 12 months, or if you have previously had your license suspended for any cause, then you could have your license suspended for 1 year or face other penalties.
Missouri has no maximum lookback period for driving without insurance. That means your conviction remains on your driving record for life.
Car Insurance in Missouri with DUI’s
Some car insurance companies treat DUI convictions more seriously than at-fault accidents. Others treat them less seriously or apply other penalties. If you were convicted of driving under the influence (DUI), driving while intoxicated (DWI), or operating under the influence OUI) in Missouri, then consider requesting a quote from the following insurers:
- Missouri Farm Bureau: $1,716 per year
- GEICO: $1,822 per year
- State Farm: $1,832 per year
- Nationwide: $1,836 per year
- American Family: $2,002 per year
Car Insurance in Missouri with At-Fault Accidents
An at-fault accident raises insurance premiums. However, some insurance companies have accident forgiveness, while others ignore a single, minor accident if you have an otherwise clean driving record. If your driving record is less than perfect, then consider requesting a quote from the following insurance companies:
- Missouri Farm Bureau: $1,383 per year
- USAA: $1,402 per year
- GEICO: $1,432 per year
- Allstate: $1,435 per year
- Nationwide: $1,463 per year
Car Insurance in Missouri with Speeding Tickets
Just like DUIs, speeding tickets vary in severity between insurers. Some insurers punish drivers severely after a single speeding ticket, while other insurers ignore one or more speeding tickets – especially if the violation was relatively minor.
The best car insurance companies in Missouri for drivers with speeding tickets include:
- Missouri Farm Bureau: $1,202 per year
- GEICO: $1,301 per year
- Progressive: $1,323 per year
- USAA: $1,345 per year
- Allstate: $1,402 per year
Car Insurance in Missouri for Young Drivers
Unfortunately, you can’t change your age when applying for car insurance. Young drivers in Missouri pay some of the highest rates for car insurance. However, there are steps you can take to reduce car insurance premiums at any age. You can compare car insurance companies and shop for discounts, for example, allowing you to obtain the cheapest car insurance in Missouri even as a young driver.
The best insurers in Missouri for young drivers include:
- GEICO: $1,702 per year
- Missouri Farm Bureau: $1,989 per year
- State Farm: $2,002 per year
- American Family Insurance: $2,112 per year
- Progressive: $2,320 per year
Car Insurance in Missouri with Poor Credit
Having bad credit makes many things more expensive – including car insurance. Missouri allows insurance companies to use credit score to calculate insurance premiums. Drivers with bad credit will pay significantly more for car insurance than drivers with average or good credit scores.
Fortunately, not all insurance companies calculate credit the same way, charging relatively low rates compared to competing providers, especially if you have an otherwise clean record:
- USAA: $1,702 per year
- GEICO: $1,980 per year
- State Farm: $2,021 per year
- American Family Insurance: $2,121 per year
- Shelter: $2,302 per year
SR-22 Insurance in Missouri
The Missouri Department of Revenue (DOR) may request proof of financial liability coverage in the form of an SR-22 certificate. An SR-22 form is not insurance: it’s a certificate verifying you have insurance.
Most major insurance companies can provide an SR-22 certificate and basic liability insurance. You’ll pay a higher price for SR-22 insurance because you’re a higher risk driver. However, you need to provide the SR-22 certificate to the DOR before you can legally drive again.
Generally, you must obtain an SR-22 form after one or more serious driving convictions – like DUIs or at-fault accidents. You may also need to obtain an SR-22 form if you let car insurance lapse.
Depending on your circumstances, you are required to maintain an SR-22 form with the DOR for 2 to 3 years before reverting to ordinary car insurance. Expect to pay significantly higher car insurance prices with all car insurance companies in Missouri if you are required to obtain SR-22 insurance.
Conclusion: How to Find the Best Auto Insurance in Missouri
Missouri has average car insurance premiums compared to other states. It’s not the cheapest state for car insurance, nor is it the most expensive.
However, by shopping around with different providers, drivers can pay the lowest possible rates for car insurance in Missouri – regardless of your demographics or driving history.