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Cheap Car Insurance in Missouri 2019

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Average Missouri premiums by company

Company
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Average yearly premium in Missouri

The Hartford

$1,259

Shelter Insurance

$1,349

Farm Bureau

$1,358

AAA Insurance/Auto Club

$1,469

American Family Insurance

$1,486

Travelers Insurance

$1,510

Nationwide Insurance

$1,537

State Farm

$1,571

Farmers Insurance

$1,586

Liberty Mutual

$1,612

Allied

$1,630

USAA (must have a military affiliation)

$1,655

Allstate Insurance

$1,704

Safeco

$1,742

Progressive Insurance

$1,777

Esurance

$2,019



Insurance increase after a speeding ticket

Missouri drivers who get a speeding ticket end up paying an average insurance increase of 30%, higher than the nationwide average increase.

State Clean driving record Speeding ticket % increase
Missouri $1,615/year $2,101/year 30%
Nationwide average 26%

Insurance increase after an accident

Missouri drivers who caused an accident saw an average insurance increase of 47%, much higher than the national average increase. This makes Missouri one of the most expensive places for insurance increases after a speeding ticket.

State Clean driving record Chargeable accident, no injury % increase
Missouri $1,615/year $2,373/year 47%
Nationwide average 36%

Average auto insurance premiums in Missouri cities

St. Louis drivers pay the most for auto insurance among the Missouri cities we analyzed.

City

Average annual premium

Ballwin

$1,499

Blue Springs

$1,512

Columbia

$1,523

Florissant

$1,718

Independence

$1,612

Jefferson City

$1,476

Joplin

$1,577

Kansas City

$1,700

Lees Summit

$1,330

O'Fallon

$1,527

Saint Charles

$1,600

Saint Joseph

$1,489

St. Louis

$1,800

Saint Peters

$1,528

Springfield

$1,522



You must show an insurance ID card (or other proof of financial responsibility) when:

  • Law enforcement requests it
  • You renew vehicle registration

Penalties for not having auto insurance in Missouri

  • Violation is punishable as a class D misdemeanor, which carries a fine up to $500.
  • Subsequent violation is punishable by a fine up to $500, 15 days in jail, or both.
  • Knowingly or intentionally possessing a fraudulent insurance identification card. (including mobile images) is a class B misdemeanor (punishable up to 6 months imprisonment).
  • Producing or otherwise distributing a fraudulent insurance ID card, including an image displayed on a mobile electronic device, is a class E felony punishable by up to four years imprisonment.

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Aug. 26, 2019

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