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Best car insurance in Missouri for 2022

Updated Dec 02, 2022
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USAA, Geico and Esurance are among the best car insurance companies in Missouri based on Bankrate’s extensive research. The average cost of full coverage car insurance for Missourians is $1,893 per year, based on Bankrate’s review of quoted annual premiums.

Auto Insurance
Key takeaways
  • Missouri drivers pay an average of $1,893 per year for full coverage car insurance, which is about seven percent higher than the national average.
  • Average Missouri car insurance rates are about 23 percent more expensive than average rates in Illinois and 51 percent more expensive than average rates in Iowa.

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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.

Best car insurance companies in Missouri

Of the numerous car insurance companies available in Missouri, a few stand out for competitive average rates and overall scores. Top three carriers USAA, Geico and Esurance all offer positive attributes, ranging from high J.D. Power customer service satisfaction ratings to superior financial strength ratings through AM Best and Standard & Poor’s (S&P).

Our insurance editorial team also reviewed affordability based on rates from Quadrant Information Services. All carriers, including Progressive and American Family, also offer competitive average rates compared to Missouri’s average premiums of $1,893 per year for full coverage and $515 per year for minimum coverage. Bankrate’s scoring system reviews all of these elements and more to determine which carriers perform the best. These carriers rank highly based on our metrics:

USAA
Rating: 5 stars out of 5
5.0
Bankrate Score
Info Hover for more
J.D. Power
879
/1,000
Annual full coverage premium
$1,001
Annual min coverage premium
$262
Geico
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power
847
/1,000
Annual full coverage premium
$1,536
Annual min coverage premium
$424
Esurance
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info Hover for more
J.D. Power
Not rated
Annual full coverage premium
$1,716
Annual min coverage premium
$721
Progressive
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info Hover for more
J.D. Power
820
/1,000
Annual full coverage premium
$1,642
Annual min coverage premium
$509
American Family
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info Hover for more
J.D. Power
Not rated
Annual full coverage premium
$1,831
Annual min coverage premium
$693
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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.

*Not officially ranked with J.D. Power due to eligibility restrictions

USAA

Although it is not officially ranked due to eligibility restrictions, USAA received the highest score in the 2022 J.D. Power Auto Insurance Study in the Central region, which makes sense as customer service is a strong focus for the insurance provider. USAA is only available to eligible military members, veterans and their immediate family members, so the membership requirements may prohibit some drivers in Missouri from choosing this carrier. For those who are eligible, USAA offers the standard lineup of coverage options you would expect as well as low average rates. The discounts are still plentiful, too.

Learn more: USAA insurance review

Geico

Drivers looking for customizable options within their car insurance policy may find that Geico’s auto insurance coverage is relatively basic with only a few options for personalization. However, the company offers a tremendous amount of discounts, which might help make up for the relatively limited number of coverage options.

Savings may be available if you are a member of the military, a federal employee, a good student or a member of several groups, such as alumni organizations. If you prefer digital policy management, Geico might be a good option because of its online and mobile app capabilities.

Learn more: Geico Insurance review

Esurance

Esurance is an entirely digital insurance experience backed by Allstate. Drivers in Missouri who want to manage policies and file and track claims online can easily do so through the company's online portal and mobile app. Esurance even offers its DriveSense mobile app for drivers who want to use telematics to track their driving habits for potential discounts. Because of its self-service model, Esurance may not be the ideal option for customers who want an in-person agency experience when it comes to car insurance.

Learn more: Esurance Insurance review

Progressive

Progressive offers competitive rates and options for managing policies and claims online. Drivers with Progressive can even obtain coverage through their current policy when driving to Mexico, as well as utilize its car shopping service when it’s time to look for a new car. However, it ranked toward the bottom in J.D. Power’s Auto Insurance Study, indicating that customers were not satisfied with the claims service received from Progressive.

Learn more: Progressive Insurance review

American Family

Although American Family has average prices that are higher than some of the other carriers on this list, customers may find that it is a well-rounded insurer worth the extra cost. In addition to standard car insurance coverage, you may be able to add endorsements like roadside assistance, car rental reimbursement and accidental death and dismemberment. The company also has several discounts that could lower your premium even more.

American Family also offers a highly-rated mobile app and online quote and policy management system. One drawback to the carrier is it does not offer specialized coverage options, such as sound equipment coverage, but may offer what you need in other categories.

Learn more: American Family Insurance review

Average car insurance cost in Missouri

The average annual cost of car insurance in Missouri is $515 for minimum coverage and $1,893 for a full coverage policy. The national average for full coverage is $1,771 per year, so Missouri drivers may pay slightly more than the average U.S. driver. Compared to neighboring states, Missouri’s average car insurance rate is even more expensive. The average annual cost of full coverage car insurance in Illinois and Indiana is $1,533 and $1,254, respectively.

Higher insurance costs in Missouri could be in part attributed to higher rates of vandalism and stolen cars than some nearby states, although car theft rates are on the decline compared to 2021.

The rates below are from the 2022 quoted annual premiums from Quadrant Information Services, but your exact rates could vary depending on personal factors and the carrier you choose.

Average annual premium for minimum coverage in Missouri Average annual premium for full coverage in Missouri
$515 $1,893

How to find the best car insurance in Missouri

Finding the best auto insurance in Missouri will depend on your needs and financial situation. Considering some of the steps below could help you determine which car insurance carriers may be the best fit for you.

Consider minimum insurance requirements in Missouri

Missouri state law requires drivers to carry minimum liability coverage for bodily injury and property damage. You cannot purchase less than the minimum required amount, but most financial experts agree you should purchase higher limits if you can afford them to provide greater financial protection in case of a covered event. If you are unsure about the requirements in Missouri, you can also speak with a licensed insurance agent to ensure you have adequate coverage.

Consider lender requirements

If you lease or finance your vehicle, your financial institution may require full coverage car insurance. This would include comprehensive and collision coverage to insure your vehicle if it were involved in a covered accident. You may also want to purchase gap insurance, which covers the “gap” between what you owe on a vehicle and the amount the insurance carrier will payout, should your vehicle be totaled in a covered accident.

Consider your individual needs

Your driving habits and unique needs should be taken into consideration when it comes to choosing car insurance. If you only have one car, for example, you may want to add rental reimbursement in the event that it needs to be repaired after a covered accident. If you have a teen driver in the household, you could benefit from asking about discount opportunities and teen driving courses that may help with lowering premiums.

If you have a more complex situation, or just prefer working with an agent, that means you’ll likely want an in-person local agent. Once you know what’s important to you, you may be able to more easily narrow down which insurance companies are most likely to give you what you need.

Car insurance discounts in Missouri

When looking for car insurance, the number of discounts available may make a difference in how much you pay for premiums. Most carriers offer a range of discounts which may include:

  • Young driver discounts: This typically includes discounts for teen drivers, good students or students away from home.
  • Safe driver discounts: You can often find safe driving discounts for taking a defensive driving course, remaining claims-free or enrolling in a telematics program.
  • Other car insurance discounts: Other common discounts could include a multiple policy discount for bundling home and auto insurance, alumni or professional organization discounts, and even a military discount, if available with your insurance company.

Frequently asked questions

Written by
June Sham
Insurance Writer

June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies.

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