How to Get Cheap Car Insurance in Missouri [2022]

Just looking to get auto insurance quotes?

by Nick Versaw Updated February 22, 2022

Missouri’s generally a pretty cheap state for car insurance — but are you getting the best deal and the right coverage? There’s only one way to find out: comparing personalized quotes. Start here to get your own free quotes, or keep reading as we guide you through the process of getting cheap car insurance in Missouri.

Missouri Car Insurance Requirements

skyline in missouri where you can get cheap car insurance

Missouri drivers are required to carry certain levels of liability coverage — that’s the part of insurance that pays for other people’s injuries and property damage when you’re at fault in an accident. You also need to carry uninsured motorist coverage, which protects you and your passengers when an uninsured person hits you. The minimum auto insurance requirements for Missouri are 25/50/10. In other words:

  • $25,000 per person for bodily injury liability
  • $50,000 per accident for bodily injury
  • $10,000 per accident for property damage liability
  • $25,000 per person and $50,000 per accident for uninsured motorist liability

Missouri Car Insurance Penalties

Driving uninsured may seem like a small crime, but it can land you in a lot of trouble. If police stop you and discover you’re driving uninsured, they’ll ticket you. A conviction means four points on your license, which can drive your car insurance rates up — and in Missouri, it only takes eight points to lose your license. The court may enter an order of supervision, which means they will be watching you to make sure you remain insured. Or, you may get your license suspended.

If it’s your first offense, the license suspension isn’t as severe — it’s technically a 0 day suspension, which means you pay a $20 reinstatement fee, show proof you’re insured and get your license back. But for your second offense, the suspension period is 90 days, and you have to pay $200; a third offense is a one year suspension and a $400 fee.

Long story short, it’s much cheaper (and smarter) to carry insurance than to be caught without it! If you’re having trouble finding Missouri insurance you can afford, Compare.com is here to help. We’ll show you free, personalized quotes from Missouri car insurance companies so you can choose the one that fits your budget. 

You can enter your zip code below to get started now. 

Cheapest Car Insurance for Teen Drivers in Missouri

As any parent will tell you, searching for affordable car insurance for teen drivers is no easy task. Due to their lack of experience, insurers consider teen drivers high-risk drivers. As a result, teens face some of the highest car insurance rates of any age. However, parents and teens will be happy to know that cheap car insurance for teen drivers in Missouri does exist. 

The most affordable insurance company for teen drivers in Missouri is Liberty Mutual, with a monthly premium of $189/mo for liability insurance. Although this is one of the cheapest options for auto insurance, all drivers should do their research to find the most reasonable rates for their families. 

Cheapest Car Insurance for Young Drivers in Missouri

While not as expensive as insurance for teen drivers, drivers under the age of 25 also pay more for auto insurance than the average driver. Until you can take advantage of lower rates, enjoy these affordable options for drivers 18-24 years old in Missouri.

Insurance Company Monthly Premium
Clearcover $128
Liberty Mutual $151
Dairyland $157
Esurance $186

Young drivers in Missouri can find cheap insurance with Clearcover, with rates averaging $128/mo for liability insurance. The next affordable option is Liberty Mutual ($151/mo), followed by Dairyland ($157/mo) and Esurance ($186/mo).

As you can see, there is quite a big gap between Clearcover and Esurance. A monthly difference of $58 adds up to almost $700 in a year! This is why young drivers need to shop around and compare rates to ensure they’re getting the best deal. 

In addition, college and university students may be eligible for certain discounts for getting good grades. Check with your insurance company to see which discounts you qualify for to save as much on your auto insurance as possible. 

Cheapest Car Insurance for Married Drivers in Missouri

married couple excited to get lower rates on auto insurance

Whether it’s your first anniversary or your tenth, being married often leads to a decrease in your monthly insurance premium. 

Here are a few affordable car insurance options to consider for you and your partner. 

Insurance Company Monthly Premium
Clearcover $66
Liberty Mutual $68
Esurance $111

The table shows that Clearcover and Liberty Mutual are neck and neck for the cheapest car insurance provider with premiums of $66/mo and $68/mo respectively. The next option sees a steep increase of $43/mo, with Esurance at $111/mo for liability insurance. 

The stark price difference is one reason why married couples should shop around and compare rates to find the best policy. We help you compare rates of 65+ insurance companies in just 5 minutes so it’s an easy process. 

Get started by entering your zip code below. 

Cheapest Car Insurance for Single Drivers in Missouri

Although married drivers enjoy cheaper auto insurance in general, single drivers aren’t doomed to overpay for car insurance until they tie the knot. We’ve compiled a list of affordable car insurance options for single drivers in Missouri. 

Insurance Company Monthly Premium
Gainsco $68
Assurance America $80
Shelter Mutual $82
Clearcover $83
Dairyland $85
Safeco $86
Liberty Mutual $88
Esurance $150

The table reveals that Gainsco is the cheapest option for single drivers with a monthly premium of $68. Next in line are Assurance America ($80/mo), Shelter Mutual ($82/mo), and Clearcover ($83/mo). 

Generally, single drivers will find themselves paying more for car insurance than married drivers. To find affordable premiums, compare rates across insurers to get the best deal. 

Cheapest Car Insurance for Men vs. Women in Missouri

When calculating car insurance rates, insurance companies use your gender as one of the factors. Here are the most inexpensive car insurance options for men and women in Missouri.

Cheap Car Insurance for Men in Missouri

Insurance Company Monthly Premium
Gainsco $68
Clearcover $79
AssuranceAmerica $84
Dairyland $89
Liberty Mutual $93

Cheap Car Insurance Companies for Women in Missouri

Insurance Company Monthly Premium
Gainsco $67
AssuranceAmerica $73
Liberty Mutual $80
Dairyland $83
Clearcover $83

When comparing the cheapest rates for men and women in Missouri, you’ll see that Gainsco offers the most affordable rates for men at $68/mo, while women pay slightly less at $67/mo for liability insurance. 

You see a greater difference when looking at the end of the list with Liberty Mutual charging men $93/mo, while Clearcover and Dairyland charge women an average of $83/mo.

Cheapest Car Insurance for Missouri Drivers with Spotty Records

driver being pulled over by police officer

Drivers with spotty records in Missouri don’t need to lose heart. If you’re a driver with a less than stellar driving history you can still find affordable car insurance. These companies offer cheap car insurance for drivers with tickets and accidents on their record. 

Cheap Car Insurance for Drivers with a Ticket on their Record

Insurance Company Monthly Premium
Gainsco $66
Liberty Mutual $80
Shelter Mutual $90
Clearcover $91
Dairyland $95

Cheap Car Insurance for Drivers with Multiple Tickets on their Record

Insurance Company Monthly Premium
Gainsco $75
Clearcover $93
Liberty Mutual $102
Dairyland $105
Esurance $156

Drivers with a single ticket on their record will generally pay less than drivers with multiple tickets. For example, drivers with one ticket who choose Gainsco pay $9 less per month than drivers who have multiple tickets on their record. However, drivers insured by Clearcover only have a $1 difference between the two groups. 

Since your driving record is only one of the factors insurance companies use to determine rates, drivers with spotty records can save in other areas. Consider bundling your home and car insurance or taking advantage of other discount opportunities to save some extra cash. 

Also, be sure to compare auto insurance rates to make sure your premium is the most affordable – even with your spotty record. We help drivers who use our auto insurance comparison tool save an average of $720/year. Just enter your zip code below to get started. The process takes 5 minutes or less.

Cheap Car Insurance for Drivers with an Accident on their Record

Insurance Company Monthly Premium
Gainsco $75
Clearcover $107
Liberty Mutual $111
Dairyland $122
Esurance $182

Cheap Car Insurance for Drivers with Multiple Accidents on their Record

Insurance Company Monthly Premium
Dairyland $132
Esurance $191

In Missouri, drivers with multiple accidents on their record will pay more for car insurance than those who’ve only been in one accident. While a driver with one accident on their record can get a premium of $75/mo from Gainsco, drivers with multiple accidents will find their cheapest option with Dairyland at $132/mo. That difference of $57 will result in the second group of drivers paying over $600 more in car insurance for the entire year!

To avoid overpaying for auto insurance, shop around for car insurance often. It’ll take a few years for the accidents to drop off your record, but you’ll enjoy more affordable car insurance while you wait. 

Cheapest Missouri State Minimum Coverage

Drivers in Missouri looking for state minimum coverage can find cheap car insurance in the “Show Me State.” The following auto insurance companies offer the cheapest state minimum coverage for drivers who only want basic coverage.

Insurance Company Monthly Premium
Shelter Mutual $54
Gainsco $56
Clearcover $63
AssuranceAmerica $65
Liberty Mutual $69
Dairyland $70
Esurance $114

You can get state minimum coverage in Missouri for as low as $54/mo when you choose Shelter Mutual as your insurance company. Gainsco ($56/mo), Clearcover ($63/mo), and AssuranceAmerica ($65/mo) all follow closely behind.

While these rates are affordable, don’t let this stop you from comparing rates yourself. We make it easy to search for car insurance. Just enter your zip code below for personalized rates from over 60 car insurance companies. 

Cheapest Full Coverage Car Insurance in Missouri

Missouri has several options for affordable full coverage car insurance. These companies offer the cheapest options for full coverage car insurance in Missouri.

Insurance Company Monthly Premium
Clearcover $127
Dairyland $153
Esurance $177

Clearcover offers full coverage to drivers for a monthly rate of $127/mo. The next affordable option sees a jump of $26 to Dairyland ($153/mo) and another increase of $24 for Esurance ($177/mo). 

While these are the cheapest average options for full coverage insurance, drivers looking for full coverage in Missouri should still take time to compare rates between insurers. 

The Best Rated Car Insurance Companies in Missouri

Each year J.D. Power conducts a customer satisfaction survey to identify the top-rated auto insurance companies based on a 1,000 point scale.

These are the best-rated car insurance companies in Missouri as of 2021:

State Farm – 859 points

GEICO – 843 points

American Family – 839 points

Allstate – 838 points

Liberty Mutual – 831 points

Nationwide – 831 points 

Travelers – 831 points

Progressive – 828 points

Safeco – 820 points

Farmers – 818 points

State Farm tops the list with 859 points. Next in line are GEICO (843) and American Family (839). The scoring system is based on a combination of interaction, price, customer service, policy offerings, policy information, claims, and the billing process. 

Missouri Car Insurance Discounts

One of the best ways to save on car insurance in Missouri is to take advantage of any discounts you qualify for. Although discounts vary between insurers, these are some of the most common ones offered in Missouri:

  • Multi-Car Discount: Save 25% or more on your insurance premium when you insure more than one vehicle on your policy.
  • Multi-Policy Discount: Bundle your home and auto or renters and auto insurance to save up to 25% on your policy. 
  • Accident-Free Discount: If you haven’t had an at-fault accident for three years or more, you can enjoy savings of up to 30% on your insurance policy. 
  • Good Student Discount: Are you a high school, college, or university student? Save money for getting good grades with a good student discount. To qualify, you’ll need to maintain a B average or 3.0 GPA. 
  • Safety Features Discount: If your vehicle has safety features installed, like airbags or automatic seat belts, you can earn a discount on your car insurance. 

Compare Car Insurance Rates by Missouri Cities

The area you live in is one of the main factors that determine how much or how little you pay for car insurance. If your area has a high auto theft rate, you may pay more. If there is very little traffic on your way to work, you may end up paying less. To help you see how rates vary from city to city, check out our rate comparison table below.

City Average Monthly Car Insurance Premium
Ballwin $83
Blue Springs $75
Branson $64
Cape Girardeau $69
Chesterfield $83
Columbia $78
Fenton $92
Florissant $97
Hazelwood $98
Independence $78
Jefferson City $55
Joplin $70
Kansas City $78
Lebanon $70
Lee’s Summit $83
Maryville $56
O’Fallon $81
St. Charles $71
St. Joseph $69
St. Louis $101
St. Peters $83
Springfield $71
Wentzville $134

Click on the name of each city in the table above to find detailed breakdowns on all the factors that go into calculating your monthly premium. Here, you’ll find all the information you need on how things like driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.

And if you want to jump right in and see how much you’ll pay, simply enter your ZIP code below and find your best rate in minutes!

Missouri Vehicle Registration Fees and Other Costs

If you’re in the market for a new or used car, you’ll need to budget for more than just the vehicle’s sticker price. You’ll be on the hook for basic DMV fees like title, license plate, and registration fees no matter where and how you purchase your new car, truck or SUV, as well as buying a new car insurance policy for your car. But some buyers will find themselves with additional fees such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric vehicle fees, lien recording fees and a slew of other costs.

Check out Compare.com’s comprehensive vehicle costs breakdown to make sure you account for all the added fees you might be on the hook for when buying a car in Missouri.

Missouri Auto Insurance FAQs

What car insurance is required in Missouri?

In Missouri, the minimum car insurance requirements are:

  • Bodily Injury Liability: $25,000 for injury/death to one person; $50,000 for one accident 
  • Property Damage Liability: $10,000
  • Uninsured Motorist Liability: $25,000 per one person; $50,000 per accident

How much is car insurance in Missouri?

Missouri insurance rates vary between drivers, but the average rate for car insurance is $93. 

What happens if you drive without car insurance in Missouri?

The penalties for driving without car insurance in Missouri start small and increase in severity for multiple offenses. 

  • First offense: License suspension for 0 days, pay $20 reinstatement fee and show proof of insurance 
  • Second offense: License suspension for 90 days, $200 reinstatement fee
  • Third offense: License suspension for 1 year, $400 reinstatement fee 

Does Missouri require full coverage insurance?

Missouri doesn’t require its drivers to have full coverage insurance. However, some drivers choose to purchase additional insurance with a combination of liability, comprehensive, and collision insurance.