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Cheap Car Insurance in Missouri 2019

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Average Missouri premiums by company

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Average yearly premium in Missouri

The Hartford


Shelter Insurance


Farm Bureau


AAA Insurance/Auto Club


American Family Insurance


Travelers Insurance


Nationwide Insurance


State Farm


Farmers Insurance


Liberty Mutual




USAA (must have a military affiliation)


Allstate Insurance




Progressive Insurance




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.


Average annual premium



Blue Springs








Jefferson City




Kansas City


Lees Summit




Saint Charles


Saint Joseph


St. Louis


Saint Peters




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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