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The Best Car Insurance Companies in Missouri

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    If you live in the Show Me State, you need the best car insurance in Missouri. Roughly 14% of the state’s drivers are uninsured. If you’re involved in an accident with one, it could leave you stuck footing your car’s repair bill. You have many options when it comes to coverage in the state. We compared customer reviews, financial ratings, discounts and policy options to bring you the best car insurance companies in Missouri. Some of the insurers that stand out in this state are also highlighted in our national list of the best car insurance companies.

    The 5 Best Auto Insurance Companies in Missouri

    Compare the Top Car Insurance Companies in Missouri

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Geico$1,290.87$2,218.294.6/5A++855/1,000
    Pin Farmers$2,084.95$2,708.013.8/5B++827/1,000
    Pin State Farm$1,974.88$2,708.364.6/5A++849/1,000
    Pin Progressive$1,947.58$2,670.514.6/5A+849/1,000
    Pin Allstate$2,222.97$2,702.264/5A+832/1,000

    Information accurate as of 11/17/2020

    * Data provided by Coverage.com

    Geico

    Best for low prices

    Geico is well-known in the industry for offering low rates, but it also provides good customer satisfaction and a wide array of discounts.
    • 4.6 Reviews Score
    • $1,290.87* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 855** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Geico is well-known in the industry for offering low rates, but it also provides good customer satisfaction and a wide array of discounts.

    Pros

    • Low annual premiums
    • Above-average customer satisfaction
    • Many discounts

    Cons

    • Few local agents available
    • No gap coverage
    Read More

    Types of Coverage Offered

    • Liability
    • Medical payments
    • Uninsured & underinsured motorist
    • Collision
    • Comprehensive
    • Roadside assistance
    • Rental reimbursement
    • Mechanical breakdown

    Discounts Available

    • Vehicle equipment features
    • New vehicle
    • Good driver
    • Seat belt use
    • Defensive driving
    • Driver’s education course
    • Good student
    • Emergency deployment
    • Membership & employee
    • Military
    • Multi-vehicle
    • Multi-policy 

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.

    Further Reading on Geico:

    Farmers Insurance

    Best for bundling insurance discounts

    Farmers has the largest number of discounts available. If you’re a business owner, bundle your personal and business coverages for maximum savings.
    • 3.8 Reviews Score
    • $2,084.95 Average Premium Pricing data comes from our partners at Coverage.com.
    • B++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 827* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Farmers has the largest number of discounts available. If you’re a business owner, bundle your personal and business coverages for maximum savings.

    Pros

    • Business and personal coverage discounts
    • Custom equipment coverage
    • Citation forgiveness

    Cons

    • Lower than average customer ratings
    • Higher rates
    • Lower financial stability rating than the other best car insurance companies in Missouri
    Read More

    Types of Coverage Offered

    • Accident forgiveness
    • Collision and comprehensive
    • Customized equipment
    • Full windshield and glass
    • Guaranteed value for car collectors
    • Original factory parts replacement

    Discounts Available

    • Accident-free
    • Anti-theft
    • Defensive driving course
    • Good driver
    • Good student
    • Multi-line
    • Multi-car
    • Occupational
    • Signal app
    • Student away at school

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.

    Further Reading on Farmers:

    State Farm

    Best for high coverage limits

    Providing insurance since 1922, State Farm offers full coverage of up to $500,000 per incident.
    • 4.6 Reviews Score
    • $1,974.88 Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 849** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Providing insurance since 1922, State Farm offers full coverage of up to $500,000 per incident.

    Pros

    • The largest insurance carrier in the country based on policies written
    • High-limit 500/500/500 car insurance is available
    • File claims easily online or through the full-featured mobile app

    Cons

    • Higher premiums than other insurance carriers
    • Insurance coverage options could be more innovative
    • Lacking in discounts
    Read More

    Types of Coverage Offered

    • Collision and comprehensive
    • Property damage
    • Rental car and travel expenses
    • Rideshare
    • Roadside assistance
    • Uninsured/underinsured motorist

    Discounts Available

    • Accident-free
    • Anti-theft devices
    • Defensive driving course
    • Drive Safe & Save app
    • Driving training
    • Good driver
    • Good student
    • Multi-car
    • Multi-policy
    • Passive restraint system
    • Steer Clear app
    • Student away at school

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.

    Further Reading on State Farm:

    Progressive

    Best for discounts and savings

    If you’re looking to lower your premium, your odds are best with Progressive, thanks to the number of discounts available.
    • 4.6 Reviews Score
    • $1,947.58* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 849** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    If you’re looking to lower your premium, your odds are best with Progressive, thanks to the number of discounts available.

    Pros

    • Offers coverage for high-risk, hard-to-insure drivers
    • Name Your Price lets you set a budget and choose the level of coverage you can afford
    • Low, $100 deductible available

    Cons

    • No accident forgiveness available
    • Customer reviews rank Profressive low in claims satisfaction
    Read More

    Types of Coverage Offered

    • Custom parts and equipment
    • Deductible savings bank
    • Gap insurance
    • Rideshare
    • Rental car reimbursement
    • SR-22 policies

    Discounts Available

    • Automatic payments
    • Continuous insurance
    • Distant student
    • Good student
    • Insurance bundles
    • Multi-vehicle
    • Online quote
    • Paperless billing
    • Pay in full
    • Snapshot® safe driver program
    • Teen driver

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.

    Further Reading on Progressive:

    Allstate

    Best for coverage options

    Allstate has enough types of coverage for all driver types, such as those with a side hustle with Uber, classic car collectors and audiophiles
    • 4 Reviews Score
    • $2,222.97 Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 832** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Allstate has enough types of coverage for all driver types, such as those with a side hustle with Uber, classic car collectors and audiophiles

    Pros

    • Rideshare drivers can buy extra coverage
    • Coverage for expensive vehicle upgrades such as high-end sound systems
    • Provide a claims-satisfaction guarantee

    Cons

    • Claims can’t be filed through the mobile app
    • Missing some common discounts
    Read More

    Types of Coverage Offered

    • Classic cars
    • Collision and comprehensive 
    • Rental reimbursement
    • Roadside coverage
    • Sound system insurance
    • Uninsured and underinsured motorist coverage

    Discounts Available

    • Anti-lock brakes
    • Anti-theft devices
    • Automatic payments
    • Multi-policy
    • New car
    • Paperless
    • Pay-in-full
    • Responsible payer
    • Safe driver
    • Smart student

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Central region. Based on a 1,000-point scale.

    Further Reading on Allstate:

    The average cost of car insurance in Missouri

    The best car insurance in Missouri will cost you more than the national average. In fact, a coverage.com report ranked Missouri as the eighth most expensive state for car insurance. Expect to pay an average of $688 for basic liability insurance and $1,955 for full coverage.

    Missouri’s rates are high because of the 14% of drivers who are uninsured. To protect yourself, shop around for the best auto insurance in Missouri to compare prices and include uninsured/underinsured motorist coverage.

    Top 3 Cheapest Car Insurance Companies in  Missouri

    CompanyAverage Annual Premium
    Pioneer State Mutual$1,214.43
    Geico$1,290.87
    USAA$1,371.84

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Missouri

    CompanyAverage Annual Premium
    Citizens Insurance Company of theMidwest$2,562.44
    Allstate$2,222.97
    Memberselect Insurance$2,170.18

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Missouri

    CityAverage Annual Premium*
    Maryville$659.00
    Chillicothe$663.41
    Kirksville$674.21

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Missouri

    CityAverage Annual Premium*
    Bellefontaine Neighbors $1,330.82
    Jennings$1,298.63
    Spanish Lake$1,263.59

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Guide to Missouri Car Insurance 

    New drivers in Louisiana can trade their existing out-of-state driver’s licenses for a Missouri one by applying in person. Out-of-state vehicles must be registered within 30 days after obtaining car insurance. Other things worth knowing include:

    • Uninsured motorist insurance is mandatory
    • Your license may be suspended or revoked for not having auto insurance
    • Drivers under 21 are banned from texting while driving

    Car Insurance Add-Ons That Will Further Protect You 

    If you have a newer vehicle or own a home you’d like to protect against lawsuits and judgements, having enough car insurance is vital. Some extras include:

    • Comprehensive: Steps in to reimburse you for damages to your vehicle from theft, fires, storms, vandalism and natural disasters.
    • Collision: Will pay for repairs or replacement of your car if you’re at fault in an accident.
    • Rideshare: If you plan on making some side cash as a Lyft or Uber rideshare/delivery driver, your personal insurance doesn’t cover you. Rideshare coverage will step in to insure you when you’re working.

    Missouri Minimum Insurance Requirements

    All drivers in the state of Missouri must have liability and uninsured/underinsured motorist coverage in the following amounts:

    • $25,000 bodily injury coverage per person
    • $50,000 bodily injury coverage per accident
    • $10,000 property damage coverage per accident
    • $25,000 in uninsured motorist coverage per person
    • $50,000 in uninsured motorist coverage per accident

    Missouri Car Insurance FAQ

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Missouri, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Missouri, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Cynthia Paez Bowman is a contributing writer for Reviews.com. Over the last two years, she has covered insurance, home security and more. She has been featured in MSN, Bankrate, Coverage.com, The Simple Dollar and GOBankingRates. She has dual bachelors degrees in International Business and Journalism from American University in Washington, D.C. “Is It Getting Harder to Get Home Insurance in High-Risk Areas?” is Cynthia’s favorite story on Reviews.com.