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Updated Feb 13, 2025
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The cheapest car insurance companies in Missouri

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Cheapest car insurance in Missouri for minimum coverage

$29
$344
- $311
$32
$387
- $268
$37
$448
- $207
$41
$493
- $162
$47
$560
- $95

Cheapest car insurance in Missouri for full coverage

$123
$1,471
- $1,105
$134
$1,605
- $971
$158
$1,897
- $679
$168
$2,016
- $560
$181
$2,171
- $405

Cheapest car insurance in Missouri for drivers with prior incidents

$428
$1,922
$462
$1,725
$537
$2,355
$558
$2,615
$626
$2,016
$528
$2,243
$530
$2,342
$634
$2,371
$677
$3,012
$767
$2,408
$515
$2,460
$537
$2,355
$669
$2,850
$777
$2,384
$913
$3,371
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Bankrate’s take: Not all insurance providers in Missouri offer coverage for drivers with DUIs, so drivers who get a DUI may find themselves dropped from their current providers. You may have to shop around to find new coverage or seek a policy with a nonstandard provider, but there are options.

Cheapest car insurance for young drivers in Missouri

$679
$2,193
$685
$2,362
$966
$3,768
$1,105
$3,906
$2,035
$8,261
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Bankrate’s take: To compare rates, Bankrate’s team looked at policies for a 16-year old added to their 40-year-old married parents’ policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy. Teens often have higher rates because, statistically, they’re one of the most at-risk age groups on the road. Insurers pass the risk off to teen drivers through higher premiums.

$1,520
$6,298
$1,691
$6,939
$2,072
$8,133
$2,120
$5,628
$2,142
$6,704
$1,544
$6,364
$1,849
$7,374
$2,163
$8,477
$2,239
$5,903
$2,446
$7,445
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Bankrate’s take: Some insurance providers offer accident forgiveness for your first at-fault accident. An insurance provider might forgive an accident after you’ve been insured with the company for a set number of years, or you might be able to purchase accident forgiveness as a policy add-on if you've been accident-free for a certain number of years.

$862
$3,689
$1,098
$4,881
$1,225
$5,154
$1,467
$5,458
$1,679
$5,095

Cheapest car insurance rates by city in Missouri

Bethany
City average annual min coverage premium
$452
Cheapest car insurance carrier
USAA
Company average annual premium
$285
Gilman City
City average annual min coverage premium
$452
Cheapest car insurance carrier
USAA
Company average annual premium
$285
Ridgeway
City average annual min coverage premium
$450
Cheapest car insurance carrier
USAA
Company average annual premium
$285
Eagleville
City average annual min coverage premium
$451
Cheapest car insurance carrier
USAA
Company average annual premium
$285
Harris
City average annual min coverage premium
$459
Cheapest car insurance carrier
Progressive
Company average annual premium
$297
Saint Louis
City average annual min coverage premium
$863
Cheapest car insurance carrier
USAA
Company average annual premium
$338
Kansas City
City average annual min coverage premium
$729
Cheapest car insurance carrier
USAA
Company average annual premium
$342
Independence
City average annual min coverage premium
$704
Cheapest car insurance carrier
USAA
Company average annual premium
$342
Lees Summit
City average annual min coverage premium
$639
Cheapest car insurance carrier
USAA
Company average annual premium
$342
Springfield
City average annual min coverage premium
$670
Cheapest car insurance carrier
USAA
Company average annual premium
$363

Car insurance discounts in Missouri

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

Methodology

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40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500
Written by
Jessica Gibson
Contributor, Insurance
Jessica Gibson is an insurance writer with almost a decade of digital publishing experience.
Edited by Editor II, Insurance