Cheapest Missouri Car Insurance Rates in 2024 (Unlock Savings From These 10 Companies!)

When comparing cheapest Missouri car insurance rates, standout providers include USAA, State Farm, and Geico offering premiums as low as $18 per month. USAA emerges as the top pick overall, offering competitive rates tailored for military members and families. Compare quotes from these industry leaders to find the best coverage for you.

This article covers factors that affect car insurance rates, helping auto owners understand how personal circumstances and coverage choices impact premiums.

Our Top 10 Company Picks: Cheapest Missouri Car Insurance Rates

Additionally, it provides tips for saving on premiums, details on understanding minimum coverage requirements in Missouri, and guidance on navigating the claims process efficiently. Find cheap car insurance quotes by entering your ZIP code above.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#1 – USAA: Top Pick Overall

Pros

• Exceptional Military Discounts: USAA provides the lowest premiums in Missouri at $18, specifically for military members and their families. This pricing reflects substantial savings due to tailored rates and benefits designed exclusively for this group.
• Outstanding Customer Satisfaction: Known for high customer service ratings from Missouri customers, USAA excels in providing a seamless experience for managing policies and claims, enhancing value for the $18 premium paid by eligible members.
• Comprehensive Coverage Options: Despite its low premium, USAA offers extensive coverage types including collision and comprehensive coverage for drivers in Missouri, ensuring that the affordable rate doesn’t compromise on protection. Learn more in our USAA car insurance review.

Cons

• Restricted Eligibility: USAA’s low rates are only available to military personnel and their families. This limitation excludes many potential Missouri customers who may seek similar savings but cannot access USAA’s offerings.
• Limited Discount Range: Although USAA provides competitive pricing, the variety of discounts available is not as extensive as some competitors in Missouri, potentially limiting additional savings for those outside the military community.

#2 – State Farm: Best for Student Savings

Pros

• Extensive Agent Network: State Farm’s broad network of local agents across Missouri helps customers find tailored coverage and competitive rates, including their $30 monthly premium, maximizing affordability and personalized service.
• Diverse Discount Opportunities: At $30, State Farm offers various discounts, such as those for good Missouri drivers and multi-car policies, which can further reduce insurance costs and improve overall value.
• Comprehensive Coverage Options: With a wide range of policy options, State Farm allows customers in Missouri to tailor their coverage effectively, ensuring that the $30 premium provides solid protection without sacrificing essential coverage. Unlock details in our State Farm car insurance review.

Cons

• Higher Premiums for Certain Demographics: The $30 rate might be higher for younger drivers in Missouri or those with less favorable driving records, which could be less appealing compared to other cheaper options in Missouri.
• Variable Claims Satisfaction: Some customers in Missouri report mixed experiences with claims handling, which can affect satisfaction for those expecting efficient service despite the competitive $30 rate.

#3 – Geico: Best for Senior Discounts

Pros

• Competitive Online Rates: Geico’s rates start at $32 per month, offering a cost-effective option for Missouri drivers looking for affordable car insurance.
• Senior Discounts: Geico provides special discounts for seniors in Missouri, making their already low premiums even more attractive to older drivers. Learn more in our Geico car insurance review.
• Strong Financial Stability: With high financial strength ratings, Geico assures reliable coverage and claims handling, crucial for maintaining trust in drivers in Missouri low-cost policies.

Cons

• Limited Personal Interaction: Geico primarily operates online, which might not be ideal for those policyholders in Missouri prefer face-to-face interactions with insurance agents.
• Less Extensive Add-On Coverage: Compared to some competitors in Missouri, Geico’s add-on coverage options are more limited, which might not meet the needs of customers seeking additional protections.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#4 – Progressive: Best for Multi-Policy Savings

Pros

• Affordable Base Premiums: Progressive offers car insurance rates starting at $35 per month, which is competitive for Missouri drivers.
• Multi-Policy Discounts: Progressive’s pricing benefits from multi-policy savings, allowing customers in Missouri who bundle their auto insurance with other policies to enjoy reduced rates.
• Snapshot Program: The Snapshot program rewards safe driving habits with personalized savings for drivers in Missouri, potentially lowering the $35 premium even further. Delve into our evaluation of Progressive car insurance review.

Cons

• Mixed Reviews on Customer Service: Progressive has received mixed reviews regarding customer service in Missouri, particularly in claims processing, which could be a drawback despite competitive rates.
• Higher Rates for Younger Drivers: Younger or less experienced drivers residing in Missouri may find Progressive’s rates less competitive, with $35 potentially being higher compared to some other providers for this demographic.

#5 – American Family: Best for Discount Availability

Pros

• Competitive Premiums: American Family offers rates starting at $37 per month, providing an affordable option for many Missouri drivers.
• Wide Range of Discounts: With numerous discount opportunities for policyholders in Missouri, including those for safe driving and accident-free records, American Family enhances affordability beyond its base rates.
• Tailored Coverage Options: As outlined in our American Family car insurance review, American Family offers personalized service through local agents in Missouri, enabling customers to find the best coverage solutions that fit their needs and budget effectively.

Cons

• Regional Variability: Discount availability and premium rates can vary by region, which might limit savings opportunities in some parts of Missouri.
• Claims Processing Delays: There have been reports of delays in claims processing for policyholders in Missouri, which could be an issue for drivers needing quick resolution despite the competitive premium rates.

#6 – Travelers: Best for Bundling Policies

Pros

• Bundling Policies for Savings: Travelers offers significant savings for Missouri customers who bundle multiple insurance policies, making their $40 rate even more attractive for those looking to consolidate coverage.
• Robust Discount Programs: With discounts like safe driver and new car discounts, Travelers provides multiple opportunities for customers in Missouri to lower their rates further, enhancing the affordability of their offerings.
• Strong Financial Backing: Travelers enjoys high ratings for financial strength, ensuring that Missouri customers can trust the company to handle claims effectively, crucial for those investing in a $40 monthly premium. See more details on our Travelers car insurance review.

Cons

• Higher Base Premiums for Certain Drivers: While $40 is competitive, some demographics may find Travelers’ base rates higher in Missouri than other options, which could deter cost-conscious consumers.
• Complex Policy Terms: Some customers in Missouri find Travelers’ policy terms and conditions complicated, requiring thorough review to avoid misunderstandings about coverage, which could affect overall satisfaction.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#7 – The Hartford: Best for Small Businesses

Pros

• Specialized Coverage Options: The Hartford offers unique policies for customers in Missouri , including those tailored for seniors, which can be particularly beneficial, ensuring their $43 premium provides substantial value through targeted benefits.
• Dedicated Customer Support: Known for strong customer service, The Hartford provides 24/7 support, offering peace of mind for policyholders in Missourineeding assistance with their coverage or claims. (Learn More: AARP Auto Insurance Program From The Hartford Review).
• Attractive Bundling Discounts: Customers residing in Missouri can save by bundling policies, making the $43 premium even more economical for those looking to combine their auto insurance with home or other coverage.

Cons

• Higher Premiums Compared to Competitors: The Hartford’s base premium of $43 may be less attractive to Missouri drivers seeking the absolute lowest rates, especially younger drivers or those with less-than-perfect driving records.
• Limited Discounts for Some Drivers: While there are discounts available, they may not be as extensive as those offered by competitors, which could limit potential savings for some Missouri policyholders.

#8 – Liberty Mutual: Best for Add-on Coverages

Pros

• Comprehensive Range of Add-On Coverages: Liberty Mutual offers a variety of add-on coverages, ensuring that customers in Missouri can customize their $46 policies to suit specific needs, enhancing overall value and protection.
• User-Friendly Digital Tools: Their mobile app and online management tools provide easy access to policy information, claims filing, and discounts, making it convenient for policyholders in Missouri to manage their insurance effectively.
• Discount Programs for Multiple Policies: Liberty Mutual rewards customers in Missouri who bundle their auto insurance with other policies, allowing for significant savings, which can make the $46 premium more manageable. Learn more in our Liberty Mutual car insurance review.

Cons

• Potentially Higher Base Rates: At $46, Liberty Mutual’s premiums in Missouri may be higher than other competitors, particularly for customers seeking the most economical options for basic coverage.
• Customer Service Challenges: Some customers in Missouri have noted issues with claims processing times, which could lead to frustration for policyholders needing prompt assistance or resolution of their claims.

#9 – Farmers: Best for Group Discounts

Pros

• Personalized Local Service: Farmers insurance agents in Missouri provide tailored advice and support, ensuring that customers find the best policy options for their needs, which is valuable at their $48 monthly rate. Learn more in our Farmers car insurance review.
• Wide Range of Discounts Available: Farmers offers multiple discounts, including those for safe driving and multiple cars, allowing customers in Missouri to lower their rates significantly, enhancing affordability beyond the initial premium.
• Flexible Coverage Options: With various customizable coverage plans, Farmers enables Missouri policyholders to adjust their insurance to meet specific requirements, ensuring the $48 premium offers sufficient protection.

Cons

• Higher Premium Rates Compared to Competitors: At $48, Farmers may not be the most cost-effective option for drivers in Missouri seeking lower premiums, particularly those with a clean driving record looking for cheaper rates.
• Claims Processing Concerns: Some Missouri policyholders report delays and communication issues during claims processing, which may deter those who value responsive customer service.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

#10 – Allstate: Best for Customer Service

Pros

• Nationwide Availability: Allstate’s presence across all states allows customers in Missouri to access their comprehensive insurance offerings regardless of location, making the $52 premium worthwhile for consistent coverage.
• Innovative Discounts for Safe Driving: With tools like Drivewise, Allstate rewards safe driving behaviors with potential savings, allowing policyholders in Missouri to reduce their $52 premium through responsible actions.
• Strong Financial Ratings: Allstate’s financial stability ensures that they can effectively handle claims, providing customers in Missouri peace of mind when investing in their insurance coverage at a higher rate. Discover more about offerings in our Allstate car insurance review.

Cons

• Higher Monthly Premiums: At $52, Allstate’s rates may be less appealing compared to competitors in Missouri, especially for drivers prioritizing affordability in their car insurance search.
• Mixed Customer Service Reviews: Missouri Customers have reported varying experiences with Allstate’s customer service, particularly concerning claims handling, which could impact satisfaction levels despite the strong financial backing.

The Importance of Comparison Shopping

Cars are an integral part of everyday life. Owning a car is a major convenience and something most drivers take for granted. One of the most important facts to realize is that prices can differ dramatically between companies, so it is important to compare quotes from several different sources before deciding. Between insurance companies can vary widely, so it is important to shop around.

Missouri Car Insurance Monthly Rates by Coverage Level & Provider

Always get a personalized quote; do not simply follow the advice of anyone who insists that one company has the lowest .

Even if that someone is a trusted friend or relative, car insurance vary based on factors such as age, coverage levels, and driving history. What may be right for one is not necessarily right for another person.

How Much Auto Insurance Costs in Missouri

Explore the varying costs of auto insurance across different cities in Missouri with our comprehensive comparison tool. Car insurance rates can differ significantly depending on where you live, influenced by factors such as local accident rates, traffic density, and regional insurance regulations. Understanding these differences can help you find the best rates tailored to your location.

Missouri Car Insurance Cost by City

Whether you reside in Albany, Buffalo, Cape Girardeau, Columbia, Desloge, Elkland, Maryville, Norwood, or beyond, gain insights into the prevailing car insurance rates tailored to your location.

Car Insurance Companies in Missouri

When beginning your search for car insurance in Missouri, it’s essential to explore various options to find the best coverage and rates. Here are six companies that you may want to start with, each offering unique benefits and features:

• Allstate: Allstate’s trademark is their safe driving bonus. For every six months without an accident, they offer a check for up to 5 percent off the . In addition, they offer an accident forgiveness program to keep from going up because of a single accident, even if the insured driver is the one at fault. Read our Allstate car insurance review for more information.
• State Farm: State Farm is one of the oldest insurance companies. Their marketing highlights the fact that a State Farm agent will work with you for all of your insurance needs. For those who want to work directly with an agent State Farm is a great option, although online quotes are now readily available on their website. Read our State Farm car insurance review for more information.
• AAA: AAA is well-known for their roadside assistance program. AAA membership is a requirement but it is affordable, and they offer several benefits such as discounts on car rentals, hotels, and much more. Read our AAA car insurance review for more information.
• Safe Auto: Safe Auto has marketed itself as an option for those who simply want to meet the Missouri car insurance minimum requirement. They advertise that no credit check is required
• Progressive: Progressive is a nationwide company. Progressive offers a $50.00 discount for new customers, but they do check driving records and credit history when requesting an online quote. Read our Progressive car insurance review for more information.
• Geico: Geico is a nationwide company, with easily accessible online quotes and flexible payment plans. Geico checks both driving record and credit history when processing an online quote. Read our Geico car insurance review for more information.

Exploring these companies can help you find the right car insurance policy that fits your needs and budget. Each provider offers distinct advantages, whether it’s discounts for safe driving, comprehensive coverage options, or minimal requirements for credit checks.

Shopping for good car insurance coverage involves some research, but finding a plan that meets one’s needs at an affordable price is worth the effort. Start comparing today with our free search tool at the bottom of this page, and see how much money you could save.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Legal Requirements

Car insurance is a legal requirement to drive in Missouri. Missouri’s insurance requirements are designed to provide a basic level of financial security for all drivers on the road. The minimum requirements for liability coverage in Missouri are as follows:

• Bodily Injury Liability: $20,000 per person and $40,000 per accident
• Property Damage Liability: $15,000 per accident
• Uninsured/Underinsured Motorist Coverage: $20,000 per person and $40,000 per accident

Understanding these requirements can help you make informed decisions about your insurance coverage, ensuring you meet the legal standards while protecting yourself and others on the road.

One must show proof of car insurance when registering a vehicle, and upon demand, when pulled over by a law enforcement offer.

Read More: Minimum Car Insurance Requirements by State

Coverage Levels

Liability car insurance covers the other driver when one is involved in an accident.

The minimum liability is all that is needed for those starting out with few assets.

Drivers who have more to lose will, of course, need to have higher coverage levels to protect themselves from legal action if they were the cause of the accident, and insurance doesn’t cover the full amount of damage. Collision and comprehensive coverage will likely be needed for those with a newer car.

• Collision will cover damage to the insured’s car
• Comprehensive pays the replacement value if the car is stolen

The amount of coverage varies widely from company to company and on the car insurance deductible one chooses.

With an older car, comprehensive and collision insurance is unnecessary since the replacement value is likely less than the of maintaining collision coverage.

Driving and Credit History

Some car insurance companies specialize in providing policies for individuals with poor driving or credit histories, exploring all available options is essential for finding the best rates and coverage.

However, unless one’s credit is truly subpar, it may be wise to pursue a quote from a more mainstream company as well, since it may result in lower.

Some companies may not require credit checks.

Read More: Best Car Insurance Companies That Don’t Use Credit Scores

Your car insurance rates will likely increase after an at-fault accident, but you can find your cheapest coverage option by using our free quote comparison tool below today.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption