Cheap Car Insurance in Missouri 2019
Average Missouri premiums by company
| Company Click to see reviews | 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