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Who Has the Cheapest Missouri Auto Insurance Quotes?

Enter your Missouri zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2019

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For drivers in Missouri, one of the big things that aid in calculating the amount you pay for auto insurance is where you normally keep your vehicle. Cities with larger populations like Saint Louis, University City, and Kansas City are more likely to pay higher prices, whereas areas with less congestion have the benefit of the cheapest Missouri auto insurance quotes.

The following table rates the most expensive areas in Missouri to purchase a policy in.

Missouri cities ranked by car insurance cost
Rank City Average Per Year
1 Saint Louis $1,444
2 Florissant $1,416
3 University City $1,408
4 Raytown $1,303
5 Kansas City $1,257
6 Independence $1,251
7 Wildwood $1,238
8 Ballwin $1,232
9 Mehlville $1,222
10 Chesterfield $1,220
11 Kirkwood $1,199
12 Lee’s Summit $1,181
13 Blue Springs $1,172
14 Liberty $1,153
15 Saint Charles $1,140
16 Joplin $1,138
17 Wentzville $1,134
18 Saint Joseph $1,134
19 Saint Peters $1,117
20 Cape Girardeau $1,105
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Premium costs are approximated as the specific area where the vehicle is garaged can influence premiums greatly.

Establishing which companies have the cheapest car insurance rates in Missouri requires more time in order to find the most economical policy. Each auto insurance company has a different process to set policy rates, so to begin we’ll rank the most budget-friendly car insurance companies in Missouri.

Enter your zip code below to view companies that have cheap auto insurance rates.

Missouri car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $668
2 The Hartford $785
3 Allied $867
4 Electric $875
5 Travelers $1,028
6 Auto-Owners $1,037
7 MO Farm Bureau $1,063
8 Farmers $1,139
9 Nationwide $1,142
10 Cameron Mutual $1,190
11 State Farm $1,234
12 American Family $1,241
13 Progressive $1,368
14 Safe Auto $1,377
15 Safeco $1,384
16 GEICO $1,406
17 MetLife $1,430
18 Shelter $1,447
19 Auto Club $1,473
20 California Casualty $1,483
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USAA normally has some of the lowest car insurance rates in Missouri at around $668 a year. The Hartford, Allied, Electric, and Travelers would also make the list of some of the most economical Missouri car insurance companies.

In the above rates, if you currently have coverage with Travelers and switched to The Hartford, you might realize an annual premium reduction of about $243. Policyholders with Auto-Owners might save as much as $252 a year, and MO Farm Bureau customers might lower prices by up to $278 a year.

To find out how your current rates compare, click here to begin a quote or visit several of the following companies.

Enter your zip code below to view companies that have cheap auto insurance rates.

Understand that those premium estimates are averaged across all drivers and vehicles and do not factor in a price decrease in Missouri. So the auto insurance company that has the lowest price for you may not even be in the list above. That illustrates why you need to compare as many prices as possible using your own driver data and vehicle information.

We all have different tastes in cars, and the vehicle you are buying coverage for is one of the largest factors in finding the best insurance in Missouri. Vehicles with lots of horsepower, a lack of modern safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer models. The data below illustrates auto insurance premiums for a handful of the cheapest vehicles to insure in Missouri.

Auto Insurance Rates for Popular Cars in Missouri
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $634 $317 $53
Ford Focus SE 2-Dr Coupe $710 $355 $59
Ford Fusion Sport 4-Dr Sedan $678 $339 $57
Honda Accord EX 2-Dr Coupe $710 $355 $59
Honda Civic LX-S 4-Dr Sedan $652 $326 $54
Hyundai Sonata GLS 4-Dr Sedan $678 $339 $57
Nissan Altima 3.5 SR 4-Dr Sedan $678 $339 $57
Toyota Camry Hybrid $722 $361 $60
Volkswagen Jetta SE 4-Dr Sedan $678 $339 $57
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Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rates do not factor in vehicle location which can affect coverage rates greatly.

Auto Insurance Rates for Popular SUVs and Crossovers in Missouri
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX Advance/Entertainment 4WD $690 $345 $58
Acura RDX Technology Package 2WD $626 $313 $52
BMW X5 M AWD $830 $415 $69
Chevrolet Traverse LT AWD $594 $297 $50
Ford Escape XLS 2WD $534 $267 $45
Ford Expedition Limited 4WD $638 $319 $53
Ford Explorer XLT AWD $600 $300 $50
GMC Acadia SLE 2WD $600 $300 $50
Honda CR-V EX-L 4WD $548 $274 $46
Honda Pilot EX 2WD $612 $306 $51
Jeep Grand Cherokee Limited 2WD $678 $339 $57
Lexus RX 350 4WD $768 $384 $64
Subaru Forester XT AWD $638 $319 $53
Toyota Highlander 4WD $646 $323 $54
Toyota RAV4 Sport 4WD $634 $317 $53
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Information does not factor in specific Missouri garaging location which can increase or decrease auto insurance rates substantially.

Car Insurance Rates for Popular Pickup Trucks in Missouri
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LT Crew Cab Diesel 4WD $724 $362 $60
Chevrolet Silverado LTZ Extended Cab 4WD $678 $339 $57
Dodge Ram 2500 Crew Cab ST 4WD $734 $367 $61
Dodge Ram 3500 Crew Cab SLT 2WD $738 $369 $62
Dodge Ram Quad Cab TRX4 Off Road 2WD $690 $345 $58
Ford F-150 Lariat Crew Cab 2WD $646 $323 $54
Ford F-250 King Ranch Crew Cab Turbo Diesel 4WD $810 $405 $68
GMC Canyon SLE Ext Cab Z71 2WD $620 $310 $52
GMC Sierra SLT Extended Cab 4WD $678 $339 $57
Toyota Tundra SR/5 Crew Max 4WD $734 $367 $61
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Price data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific zip code location which can decrease or increase insurance rates noticeably.

Responsible drivers pay cheaper car insurance rates

One of the best ways to score the cheapest car insurance rates in Missouri for drivers in Missouri is to be a cautious driver and avoid at-fault accidents and violations. The illustration below demonstrates how traffic citations and accidents can affect yearly insurance costs for each different age category. Data assumes a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

The chart shows that the average cost of a car insurance policy per year with no accidents or violations is $1,318. Factor in two speeding tickets and the average cost increases to $1,880, an increase of $562 each year. Then add in two accidents along with the two speeding tickets and the annual cost of car insurance in Missouri increases to an average of $3,782. That’s an increase of $2,463, or $205 per month, just for not driving safely!

Ratings for Missouri car insurance companies

Buying coverage from a highly-rated auto insurance company can be difficult considering how many companies provide coverage in Missouri. The ranking information shown next can help you decide which insurers you want to consider when comparing rate quotes. The rankings below are for companies who write in the majority of U.S. states, so companies without a large exposure will not be included in this list.

Top 10 Large Auto Insurance Providers in Missouri Ranked by Value

  1. USAA
  2. GEICO
  3. AAA Insurance
  4. State Farm
  5. Liberty Mutual
  6. Safeco Insurance
  7. Allstate
  8. 21st Century
  9. Travelers
  10. The General

Top 10 Large Auto Insurance Providers in Missouri Ranked by A.M. Best Rating

  1. USAA – A++
  2. GEICO – A++
  3. Travelers – A++
  4. State Farm – A++
  5. Esurance – A+
  6. Allstate – A+
  7. The Hartford – A+
  8. Nationwide – A+
  9. Progressive – A+
  10. The General – A-

Do you need full coverage?

Finding the cheapest Missouri auto insurance quotes is probably important to the majority of drivers, and an effective way to save on the cost of insurance is to not buy comprehensive and collision coverage. The illustration below illustrates the difference between auto insurance rates with liability coverage only compared to full coverage. The premiums assume a clean driving record, no at-fault accidents, $250 deductibles, marital status is single, and no other discounts are factored in.

On average, physical damage coverage costs $1,876 per year more than insuring for liability only. At some point, almost every driver questions if buying full coverage is worth the money. There is no clear-cut rule of when to phase out physical damage coverage, but there is a guideline you can consider. If the yearly cost of full coverage is more than about 10% of replacement cost minus your deductible, then it might be time to consider dropping full coverage.

For example, let’s pretend your vehicle’s replacement value is $6,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $5,000 after you pay the deductible. If premium cost is more than $500 a year to have full coverage, then it’s probably a good time to buy liability coverage only.

Low rates can quickly become overpriced

Missouri car insurance rates are calculated based on many things that can increase the price you have to pay. Simply having a birthday, buying a different home, or getting a DUI can produce rate changes that can now make some companies more affordable than competitors. And not only may your rating factors change, but auto insurance companies modify pricing every year or even multiple times each year in order to be able to pay unexpected claims. An extended period of higher than normal claims may result in increased rates, while lower claims may result in lower-priced Missouri car insurance rates.

To illustrate this example, the data below compares the cheapest car insurance in Missouri for a 45-year-old male driver with no violations or accidents, and a high credit rating. If we estimate prices based on his current rating profile, USAA offers the lowest car insurance rates in Missouri at $662 a year. This is $600 less than the average policy premium paid by Missouri drivers of $1,262. The Hartford, Allied, Electric, and Auto-Owners are the remainder of the cheapest Missouri auto insurance companies.

In this next rate comparison, we will give the driver from the above example a chargeable accident, a lower credit rating, and a couple of points charged on his driving record. Since each auto insurer has a unique formula to set premium rates, comparing rates may now show a new list of affordable Missouri car insurance companies as shown below.

MO Farm Bureau now has the best price on car insurance in Missouri with Farmers, Nationwide, The Hartford, and Allied also being competitive. This shows why it is so important to compare lots of rates to find the most economical insurance quotes in Missouri. Auto insurance prices are influenced by many factors and can change substantially, so the best option six months ago may now not even be in the top five.

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