Missouri Auto Insurance
Compare auto insurance quotes in Missouri. Choose from Travelers, Safeco, Progressive and dozens of other top companies.
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How much is auto insurance in Missouri?
According to Kaggle, the average cost for auto insurance in Missouri is $874 per year. This is for policies with minimum coverage and liability only. Of course, if you have adequate coverage, you're likely going to see a higher rate.
For example, adding Comprehensive and Collision coverage will probably more than double your rate.
This puts Missouri as the 21st most expensive state for auto insurance. Michigan is the highest at $2,352 per year and South Dakota is the cheapest at $336 per year.
Average auto insurance cost in surrounding states
In this midwest region Missouri is among the more expensive states. As you can see, rates vary significantly. The difference between Iowa and Kentucky is a whopping 74%.
| State | Average annual cost |
|---|---|
| Kentucky | $1,338 |
| Oklahoma | $742 |
| Missouri | $874 |
| Illinois | $878 |
| Arkansas | $677 |
| Kansas | $654 |
| Nebraska | $599 |
| Tennessee | $577 |
| Iowa | $357 |
Missouri auto insurance cost by city
Just as there are differences in cost by state, the same can be seen between cities in the same state. Within just a few miles rates can be affected. This is due to population density, traffic and accident data, weather patterns, crime and more.
| City | Average annual cost |
|---|---|
| St. Louis | $1,092 |
| Creve Coeur | $1,003 |
| Town and Country | $998 |
Who are the best auto insurance companies in Missouri?
There are dozens of options to choose from for your auto insurance in Missouri. Everyone is saying they have the lowest rate in order to grab your attention. It's definitely a crowded space. With our extensive experience working with many insurance companies we've put together our top recommendations to help you make an informed decision.
Best auto insurance companies
| Rank | Company | Reasoning |
|---|---|---|
| #1 | Travelers | Fewest customer complaints. Rates are stable. Our customers give very positive feedback about their claims experience. |
| #2 | Cincinnati | Strong policy. Great claims experience. One of the best reputations in the industry. |
| #3 | Safeco | As a Liberty Mutual company, Safeco has strong financial backing. Over 100 years in business and committed to the independent insurance channel. |
| #4 | Nationwide | One of the largest insurance and financial services companies in the world. Over 90 years in business. Strong policies. Great claims experience. |
| #5 | Progressive | The discount choice for those looking for cheap auto insurance. Great technology. Ease of doing business. |
How did we determine the rankings?
Our rankings are based on our real world experience working with insurance companies in Missouri over the last 15 years. Here are some attributes we feel are important:
Some companies are strong in one area but weak in others. For example, some companies will have a great price, but the claims experience is poor. Others may have great coverage, but the price is significantly out of line. Our top 5 choices have a healthy blend of these attributes and we would feel comfortable recommending them to anyone.
Missouri Auto Insurance Coverage
Liability
Covers damage you cause to someone else including bodily injury and property damage.
Comprehensive
Covers non-collision damages such as theft, vandalism and natural disasters.
Collision
Coverage that pays for damages to your own car when you're in an at-fault accident.
More Options
More options for rental car, roadside assistance, GAP coverage, medical payments and more.
See all auto insurance coverage options.
Missouri auto insurance requirements
Missouri state law requires that you carry minimum Bodily Injury Liability limits of $25,000 per person and $50,000 per accident. You must also carry $25,000 in coverage for Property Damage. Of course, this is a minimum and we would never recommend anyone choosing limits this low.
Our minimum recommendation is $100,000 per person and $300,000 per accident for Bodily Injury Liability and $100,000 for Property Damage. This is widely agreed upon amongst insurance professionals however you may want to go higher depending on your personal finances and assets.
On your policy you may see your liability limits appear like this:
100,000/300,000/100,000
This means your limits are:
$100,000 Bodily Injury Liability limit per person
$300,000 Bodily Injury Liability limit per accident
$100,000 Property Damage Liability
Comprehensive and Collision coverage, often referred to as full coverage, are not required by the state. However, if you have a loan on your vehicle, your lender will require you to have full coverage.
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Frequently Asked Questions
The average cost of car insurance in Missouri is $874 per year for minimum coverage.
The minimum required coverage is required by state law in Missouri. You must carry:
- $25,000 Bodily Injury Liability per person
- $50,000 Bodily Injury Liability per accident
- $25,000 Property Damage Liability
Compared to surrounding states Missouri auto insurance rates are amongst the highest.
We compared 9 states around the midwest and only Kentucky and Oklahoma had higher rates.
No. Typically when people say full coverage they're referring to Comprehensive and Collision. Neither are required by state law in Missouri.
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