Cheap Car Insurance in Missouri 2019

Fast, Free Auto Insurance Quotes


Cheapest car insurance companies in Missouri

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

Geico

$1,660

Allstate Insurance

$1,704

Safeco

$1,742

Progressive Insurance

$1,777

Esurance

$2,019


Average car insurance premiums in Missouri

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


Required car insurance in Missouri

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

Fast, Free Auto Insurance Quotes