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. 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 first reviewed 2021 premium data from Bankrate.com. Next, we investigated each company’s coverage, discounts, third-party scores, and digital tools. 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 research method. However, your unique needs and situation will dictate what company is best for you.
| Average Annual Price for Minimum Coverage* | Average Annual Price for Full Coverage* | 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 Customer Satisfaction** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|---|
| Pin Geico | $446 | $1,713 | A++ | 845 | |
| Pin Farmers | $469 | $1,320 | A- | 848 | |
| Pin State Farm | $470 | $1,642 | A++ | 847 | |
| Pin Progressive | $425 | $1,386 | A+ | 837 | |
| Pin Allstate | $501 | $1,528 | A+ | 826 |
Information accurate as of April 2022
*Data provided by Bankrate.com.
**J.D. Power 2021 Auto Insurance Satisfaction Study rating for the Central region. Based on a 1,000-point scale.
Best for savings opportunities
Why we chose it
Why we chose it
Pros
- Numerous discounts
- Above-average J.D. Power customer satisfaction score
- High AM Best financial strength score
Cons
- Few local agents available
- Few options for customization
- Average premium is higher than the state average
OTHER POLICIES OFFERED
- Home
- Renters
- Motorcycle/ATV
- Boat
STANDOUT DISCOUNTS AVAILABLE
- Good student
- Emergency deployment
- Membership & employee
- Military
Best for bundling insurance discounts
Why we chose it
Why we chose it
Pros
- Numerous policy types available
- Several discounts
- High J.D. Power customer satisfaction score
Cons
- Lowest AM Best financial strength rating on our list
- Higher-than-average overall NAIC complaint index
- Not available in all states
OTHER POLICIES OFFERED
- Collectible auto
- Travel trailer
- Condo
- Life
STANDOUT DISCOUNTS AVAILABLE
- Signal telematics program
- ePolicy
- Safe driver
- Shared family car
Best for local agents
Why we chose it
Why we chose it
Pros
- Above-average J.D. Power customer satisfactions core
- Superior AM Best financial strength rating
- Local agents available
Cons
- Average premium is higher than some competitors
- No gap coverage
- Higher-than average overall NAIC complaint index
OTHER POLICIES OFFERED
- Farm and ranch
- Manufactured home
- Identity restoration
- Business
STANDOUT DISCOUNTS AVAILABLE
- Drive Safe & Save
- Steer Clear
- Accident-free
- Student away at school
Best for digital perks
Why we chose it
Why we chose it
Pros
- Low average premium
- Numerous discounts
- Strong digital tools
Cons
- Lower-than-average J.D. Power customer satisfaction score
- AM Best financial strength rating is lower than some competitors
- Higher-than-average NAIC complaint index
OTHER POLICIES OFFERED
- Home
- Renters
- Boat
- Life
STANDOUT DISCOUNTS AVAILABLE
- Continuous insurance
- Online quote
- Sign online
- Snapshot telematics program
Best for coverage options
Why we chose it
Why we chose it
Pros
- Plentiful endorsements
- Numerous discounts
- Average rate is lower than the state average
Cons
- Lower-than-average J.D. Power customer satisfaction score
- Lower-than-average J.D Power claims satisfaction score
- Higher-than-average NAIC complaint index
OTHER POLICIES OFFERED
- Home
- Renters
- Business
- Life
STANDOUT DISCOUNTS AVAILABLE
- Anti-lock brakes
- New car
- Early signing
- Full pay
*Data provided by Bankrate.com.
**J.D. Power’s 2021 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
According to 2021 data from Bankrate.com, Missouri drivers can expect to pay an average of $468 per year for a state minimum coverage policy and $1,661 for a full coverage policy. For comparison, the national average minimum coverage premium is $565 per year, and full coverage costs $1,674 per year, on average. Missouri has a high rate of uninsured drivers, with 16.4% of drivers estimated to be driving without coverage. Because rates differ by company, it’s best to shop around for the best auto insurance in Missouri to compare prices.
Top 3 Cheapest Car Insurance Companies in Missouri
| Company | Average Annual Full Coverage Premium* |
| USAA | $988 |
| American Family | $1,312 |
| Farmers | $1,320 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Car Insurance Companies in Missouri
| Company | Average Annual Full Coverage Premium* |
| Kemper | $3,683 |
| Safe Auto | $2,154 |
| AAA | $2,011 |
* Data provided by Bankrate.com.
Top 3 Cheapest Cities for Car Insurance in Missouri
| City | Average Annual Full Coverage Premium* |
| Taos | $1,426 |
| Jefferson City | $1,433 |
| St. Martins | $1,439 |
* Data provided by Bankrate.com.
Top 3 Most Expensive Cities for Car Insurance in Missouri
| City | Average Annual Full Coverage Premium* |
| Pine Lawn | $2,484 |
| Bellefontaine Neighbors | $2,376 |
| Glasgow Village | $2,376 |
* Data provided by Bankrate.com.
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. This might help you decide what coverage types and levels are right for you. However, it’s impossible to buy lower-than-minimum limits, so there’s no need to memorize the insurance laws. 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:
- $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, and online resources from each company to determine the top providers.
As for average pricing, we used Bankrate.com’s data of car insurance in Missouri, based on the profiles of a 40-year male and female. For full coverage, the details used were 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 used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 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.
About the Authors
Cate Deventer is a writer and licensed insurance agent. She has a Bachelor’s degree in theatre and is currently pursuing a degree in English with a concentration in professional and technical writing from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she’s passionate about helping people take charge of their finances. In her free time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog.
