If you live in the Show Me State, you might be looking for the best car insurance in Missouri. Aside from needing to have at least the state minimum coverages and levels to drive legally, you may also need additional coverages and policy features to meet your own needs. Since 2021, auto insurance costs have risen sharply and remain elevated — recent NAIC benchmarks show higher average expenditures through 2022, and the BLS CPI shows motor vehicle insurance still posting double-digit year-over-year increases in 2025 — so shopping and comparing is critical. Reviews.com took an in-depth look at the insurance market in Missouri to help you find the right choice for you. 

The 5 Best Auto Insurance Companies in Missouri

In our search for the best Missouri car insurance companies, we reviewed current 2025 rate comparisons from reputable compilers (e.g., Bankrate). We also evaluated each company’s coverage, discounts, third-party scores, complaint ratios, and digital tools — prioritizing recent J.D. Power satisfaction trends, the NAIC complaint index, and AM Best financial strength. We determined that the following five companies are some of the best in the state:

• Geico: Best for savings opportunities
• Farmers: Best for bundling insurance discounts
• State Farm: Best for local agents
• Progressive: Best for digital perks
• Allstate: Best for coverage options

Compare the Best Car Insurance Companies in Missouri

We chose these five companies based on our current research method and the latest available data. However, your unique needs and situation will dictate what company is best for you.

Information reflects the latest sources cited (NAIC data through 2022; J.D. Power 2024; industry rate data updated for 2025).

*Rate comparisons reference current Bankrate.com methodology and rate data.

**J.D. Power 2024 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.

*Rate comparisons reference current Bankrate.com methodology and rate data.

**J.D. Power’s 2024 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.

The Average Cost of Car Insurance in Missouri

Auto insurance prices have climbed since 2021 and remain elevated in 2025. Recent statewide studies place Missouri’s averages for a good driver roughly around $1,850–$2,200 per year for a full coverage policy and about $460–$600 for minimum-liability coverage, depending on driver profile and company (Bankrate). The BLS Consumer Price Index shows the motor vehicle insurance category still registering double-digit year-over-year increases in 2025, underscoring ongoing price pressure. Missouri has an above-average rate of uninsured drivers, with 16.7% of drivers estimated to be driving without coverage (2022 estimate). Because rates differ by company and change frequently — and metro areas like St. Louis and Kansas City often price 15–35% above state averages — it’s best to shop around for the best auto insurance in Missouri to compare prices.

Top 3 Cheapest Car Insurance Companies in Missouri

* Data and methodology: See current Bankrate rate tables.

Top 3 Most Expensive Car Insurance Companies in Missouri

* Data and methodology: See current Bankrate rate tables.

Top 3 Cheapest Cities for Car Insurance in Missouri

* Data and methodology: See current Bankrate rate tables.

Top 3 Most Expensive Cities for Car Insurance in Missouri

* Data and methodology: See current Bankrate rate tables.

Key Things You Need to Know About Car Insurance in Missouri

Missouri drivers may want to be aware of the state’s minimum car insurance limits before shopping for coverage and that uninsured motorist bodily injury is also required. UM property damage and underinsured motorist are not mandated, and electronic proof of insurance is permitted. Operating or allowing operation of an uninsured vehicle can lead to suspension and reinstatement fees (penalties). You might also want to know what optional coverages you should consider to round out your policy. 

Missouri Car Insurance Requirements

All drivers in the state of Missouri must purchase at least minimum limits of liability and uninsured motorist coverage to drive legally (UM property damage is not mandated by statute):

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability per accident
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

Minimum coverage might be one of the cheapest options you can buy, but you’ll also potentially  be putting yourself at risk for high out-of-pocket bills if you cause an accident. Most insurance agents recommend you buy higher limits.

Car Insurance Coverage Options 

Minimum coverage might be all you need to drive legally, but there are plenty of optional coverages that could help you build a personalized policy: 

• Comprehensive: This coverage steps in to reimburse you for damages to your vehicle from theft, fires, storms, vandalism, and natural disasters. If you have a loan or lease, this is likely mandatory coverage.
• Collision: This coverage pays for damages to your own vehicle, regardless of fault in an accident. Just like comprehensive, if you have a loan or lease, you’ll probably have to carry collision coverage. 
• Rideshare: If you drive for Uber, Lyft, or any other ridesharing or delivery app service, your personal insurance probably doesn’t cover you. Rideshare coverage could help you bridge that coverage gap. 
• Roadside assistance: If you travel often, this coverage could be a good idea. Usually, companies will pay up to your selected limit for towing, lockout calls, and other types of roadside assistance if you have this endorsement.

Frequently Asked Questions

Methodology

Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, complaint indices, financial strength, and online resources to determine the top providers. We reference current sources including J.D. Power (satisfaction), the NAIC complaint index, and AM Best (financial strength).

For pricing context, we use up-to-date statewide and company comparisons from Bankrate (based on Quadrant rate filings) and complementary industry benchmarks. When we cite full coverage, comparisons typically model limits like the following:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate uses minimum coverage that meets each state’s requirements. Our base profile drivers typically own a Toyota Camry, commute five days a week and drive 12,000 miles annually. 

These are sample rates and should only be used for comparative purposes.

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