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Best car insurance in Missouri for 2024

Bankrate identified Geico, USAA, State Farm, American Family and Farm Bureau as some of the best car insurance companies in Missouri.

Updated Feb 21, 2024
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Best car insurance companies in Missouri

To find the best car insurance companies in Missouri, our insurance editorial team began by reviewing affordability. According to our evaluation of premium data from Quadrant Information Services, the average cost of car insurance in Missouri is $2,442 per year for full coverage and $624 per year for minimum coverage.

However, we acknowledge that drivers looking for the best coverage aren’t necessarily looking for the cheapest. In addition to rates, we also reviewed third-party customer satisfaction scores in the J.D. Power 2023 U.S. Auto Insurance Study, along with AM Best financial strength ratings, coverage options and more. Ultimately, we found that Geico, USAA, State Farm, American Family and Shelter may offer the best auto insurance in Missouri.

Insurance company
Bankrate score
Info
Average full coverage rate Average min coverage rate
4.4
Rating: 4.4 stars out of 5
$2,183
$629
4.3
Rating: 4.3 stars out of 5
$2,538
$693
4.2
Rating: 4.2 stars out of 5
$1,478
$311
4.2
Rating: 4.2 stars out of 5
$1,429
$505
3.6
Rating: 3.6 stars out of 5
$2,304
$471

Geico

4.4

Rating: 4.4 stars out of 5

Avg. full coverage premium

$182/mo

Avg. full coverage premium

$2,183/yr

Customer satisfaction

819/1,000

State Farm

4.3

Rating: 4.3 stars out of 5

Avg. full coverage premium

$212/mo

Avg. full coverage premium

$2,538/yr

Customer satisfaction

833/1,000

USAA

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$123/mo

Avg. full coverage premium

$1,478/yr

Customer satisfaction

890/1,000

American Family

4.2

Rating: 4.2 stars out of 5

Avg. full coverage premium

$119/mo

Avg. full coverage premium

$1,429/yr

Customer satisfaction

837/1,000

Missouri Farm Bureau

3.6

Rating: 3.6 stars out of 5

Avg. full coverage premium

$192/mo

Avg. full coverage premium

$2,304/yr

Customer satisfaction

Not rated

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How Bankrate chose the best car insurance companies in Missouri

When looking for car insurance quotes in Missouri, there are many insurers available, making it difficult to know which is best. To help simplify your shopping process, Bankrate developed its Bankrate Score to rank insurance carriers. Our insurance editorial team reviewed carriers based on available policies and discounts, financial strength, customer satisfaction, mobile app accessibility and more.

The better a company did in each of these categories, the higher its overall Bankrate Score for a maximum score of 5.0 points. Utilizing our Bankrate Score may help you more easily compare carriers, as well as gauge which might give you the best experience.

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Why you can trust Bankrate

Read our full methodology

To help Missouri drivers find the best car insurance, Bankrate’s insurance editorial team reviewed some of the largest insurers by market share. We based our picks on a well-rounded analysis of several metrics related to each company.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

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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.

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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.

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Insurance Disclosure

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.

How to find the best car insurance in Missouri

Driving without car insurance is not only illegal but also financially risky. Car insurance doesn't just help protect you from tickets but from potentially steep financial costs associated with being in an auto accident. Your situation and needs will play a significant role in determining which insurer offers the best Missouri car insurance for you. The tips and strategies below may help you to identify the best car insurance carrier for your needs.

New

What’s new in Missouri?
  • According to the National Insurance Crime Bureau, Missouri ranks seventh highest in the nation for car theft as of 2022. Insurers typically factor in stats like these when pricing policies.
  • In other news, Missouri passed a law in 2023 to make it more difficult for drivers to continue driving uninsured. The new bill allows for electronic verification of auto insurance in hopes of identifying non-compliant drivers.

Related content:

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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.

How much is car insurance in Missouri?

The average annual cost of car insurance in Missouri is $624 for minimum coverage and $2,442 for a full coverage policy. The national average for full coverage is $2,545 per year, so Missouri drivers may pay slightly less than the average U.S. driver. Compared to neighboring states, Missouri’s average car insurance rate is more expensive. The average annual costs of full coverage car insurance in Illinois and Indiana are $2,316 and $1,639, respectively.

As mentioned, higher insurance costs in Missouri could partly be attributed to high rates of vehicle theft. Elevated rates of uninsured drivers could be to blame, as well. In 2022, it was estimated that roughly 16 percent of Missouri drivers were driving uninsured.

City Avg. annual full coverage premium Avg. savings vs. state average

Estimate your car insurance cost in Missouri

Figuring out how much you can expect to pay for auto insurance can be tricky. To help with that, we've provided the convenient calculator below. Fill in the required info for an estimate of your potential car insurance costs in Missouri.

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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.

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Why we're asking
Methodology

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates in February, 2024 for ZIP codes and carriers in all 50 states and Washington, D.C. Rates include the most recent approved rate changes filed by insurance companies that affect our profile. These revised rates are then weighted based on the population density in each geographic region so that policyholders can see the impact rates have in their areas. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $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 2022 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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46
years of industry expertise
Search
122
carriers reviewed
Location
20.7K
ZIP codes examined
Dollar Coin
1.2M
quotes analyzed
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Written by
Carol Pope
Former Writer, Insurance

Carol Pope is a former insurance writer for Bankrate and prior to joining the team, she spent 12 years as an auto insurance agent. During this time, she sold, serviced and underwrote auto insurance for people across the country. She also has experience selling supplement coverage such as umbrella insurance.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute