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Best car insurance in Missouri for 2023

Updated May 04, 2023
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Best car insurance companies in Missouri

To find the best car insurance companies in Missouri, our insurance editorial team first reviewed affordability based on rates from Quadrant Information Services. According to our evaluation of premium data, the average cost for car insurance in Missouri is $1,943 per year for full coverage and $490 per year for minimum coverage. 

However, our experience as licensed agents has shown us 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 issued by the J.D. Power 2022 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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Central region)
857
/1,000
Average monthly full coverage premium
$129
Average annual full coverage premium
$1,549
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Central region)
879
/1,000
Average monthly full coverage premium
$95
Average annual full coverage premium
$1,134
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
843
/1,000
Average monthly full coverage premium
$136
Average annual full coverage premium
$1,630
American Family
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
848
/1,000
Average monthly full coverage premium
$155
Average annual full coverage premium
$1,858
Shelter
Rating: 3.7 stars out of 5
3.7
Bankrate Score
Info
J.D. Power score (Central region)
866
/1,000
Average monthly full coverage premium
$177
Average annual full coverage premium
$2,122
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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.

Geico
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info
J.D. Power score (Central region)
857
/1,000
Average monthly minimum coverage premium
$35
Average annual minimum coverage premium
$416
USAA
Rating: 4.3 stars out of 5
4.3
Bankrate Score
Info
J.D. Power score (Central region)
879
/1,000
Average monthly minimum coverage premium
$22
Average annual minimum coverage premium
$269
State Farm
Rating: 4.2 stars out of 5
4.2
Bankrate Score
Info
J.D. Power score (Central region)
843
/1,000
Average monthly minimum coverage premium
$35
Average annual minimum coverage premium
$423
American Family
Rating: 3.8 stars out of 5
3.8
Bankrate Score
Info
J.D. Power score (Central region)
848
/1,000
Average monthly minimum coverage premium
$57
Average annual minimum coverage premium
$679
Shelter
Rating: 3.7 stars out of 5
3.7
Bankrate Score
Info
J.D. Power score (Central region)
866
/1,000
Average monthly minimum coverage premium
$55
Average annual minimum coverage premium
$654
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.

*USAA is not officially ranked by J.D. Power due to eligibility restrictions.

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.

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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.

Best for budget-conscious drivers

Rating: 4.4 stars out of 5
4.4 Bankrate Score
JD Power: 857/1,000 AM Best: A++

Average annual premium

$ 1,549 for full coverage
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Answer a few questions to see personalized rates from top carriers.

Why Geico made our list: Geico offers some of the lowest average rates out of all the Missouri auto insurance companies we evaluated. It also has a long list of discounts that might help you save even more on your premium. Eligible active-duty and retired military members could get a discount. Missouri drivers who are over 50 may save up to 10 percent by completing a defensive driving class. Good students may save if they have a B average or higher. However, some of the easiest savings opportunities might lie with Geico’s extensive vehicle-related discounts. For instance, you may get a discount for insuring a vehicle that’s three years old or newer. These discounts and more helped Geico tie for Best Auto Insurance Company Overall in the 2023 Bankrate Awards

Who Geico may be good for: Missourians looking for a cheap yet fairly basic car insurance policy might want to request a quote from Geico. 

Read full Geico Insurance review

Best for military-focused benefits and perks

Rating: 4.3 stars out of 5
4.3 Bankrate Score
JD Power: 879/1,000 AM Best: A++

Average annual premium

$ 1,134 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why USAA made our list: To qualify for USAA membership, you must be an active-duty military member, a veteran or an eligible family member. However, those that meet eligibility requirements may enjoy benefits catered to the unique needs of the military community. For example, policyholders who garage their vehicles on base may get a discount, and if you’re deployed and put your vehicle in storage, that might earn you a discount, too. In addition to car insurance discounts, USAA members may get exclusive savings opportunities on other products and services, including car rentals, moving truck rentals, car repair, home security systems and meal subscriptions. 

Who USAA may be good for: USAA might be an excellent choice if you’re looking for inexpensive premiums without sacrificing customer service (as long as you qualify for membership). 

Read full USAA Insurance review

Best for digital tools

Rating: 4.2 stars out of 5
4.2 Bankrate Score
JD Power: 843/1,000 AM Best: A++

Average annual premium

$ 1,630 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why State Farm made our list: State Farm might be known for its local agencies, but the company also has a strong digital presence through its mobile app and online policy portal. State Farm earned second place in the shopping category and scored well above the segment average for service in the J.D. Power 2022 U.S. Insurance Digital Experience Study. The company’s mobile app has close to a perfect score on both the App store and Google Play, perhaps due to the app’s user-friendliness and functionality. For those that prefer a more personalized experience, State Farm has hundreds of local agents throughout Missouri.

Who State Farm may be good for: Thanks to its generally low rates and high customer satisfaction scores, State Farm could appeal to a wide range of drivers. However, Missourians who like to take the hands-on approach with their insurance through a mobile app or online policy portal might be especially happy with the company’s digital tools. 

Read full State Farm Insurance review

Best for young driver discounts

Rating: 3.8 stars out of 5
3.8 Bankrate Score
JD Power: 848/1,000 AM Best: A

Average annual premium

$ 1,858 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why American Family made our list: American Family might not offer the cheapest car insurance in Missouri, but the company offers more teen driver discounts than other competitors we analyzed. Full-time students with a B average or higher may earn a good student discount up until the age of 25. American Family also offers a potential discount of up to 10 percent if your teen drives less than 3,000 miles per year or uses an app to track their driving habits. Perhaps most unique is the young volunteer discount, which may help you save if your young driver works for a nonprofit or volunteers at least 40 hours a year. 

Who American Family may be good for: If you have a newly-licensed, young driver in your household and are looking to lower your car insurance costs, American Family might be a good option for you.

Read full American Family Insurance review

Best for excellent customer service

Rating: 3.7 stars out of 5
3.7 Bankrate Score
JD Power: 866/1,000 AM Best: N/A

Average annual premium

$ 2,122 for full coverage
Get a quote

Answer a few questions to see personalized rates from top carriers.

Why Shelter made our list: Of all the carriers that J.D. Powers officially ranked in the Central region, Shelter earned the highest score for customer satisfaction. Additionally, the regional Missouri-based carrier's private passenger line of insurance received fewer complaints than baseline in 2022, according to the National Association of Insurance Commissioners (NAIC). The carrier also offers complimentary roadside assistance and new car replacement (for eligible vehicles) on every policy. On top of these endorsements, policyholders may be able to personalize their policies by adding loss of use, accidental death coverage, gap insurance and rental reimbursement coverage. 

Who Shelter may be good for: Drivers willing to spend more for car insurance from a company known to offer excellent customer service might find Shelter as their company of choice. 

Read full Shelter Insurance review

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.

How much is car insurance in Missouri?

The average annual cost of car insurance in Missouri is $490 for minimum coverage and $1,943 for a full coverage policy. The national average for full coverage is $2,014 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 even more expensive. The average annual cost of full coverage car insurance in Illinois and Indiana are $1,806 and $1,295, respectively.

Higher insurance costs in Missouri could be in part attributed to higher rates of vandalism and stolen cars than some nearby states. In 2022, motor vehicle theft in Missouri rose by 29 percent

The rates below are from the 2023 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 full coverage in Missouri Average annual premium for minimum coverage in Missouri
$1,943 $490

How to find the best car insurance in Missouri

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

Frequently asked questions

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