Cheap Car Insurance in Missouri

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Finding cheap car insurance in Missouri

Looking for cheap car insurance in Missouri? Check out these average premiums by company and city so you can see how rates compare. 

You can potentially save hundreds of dollars a year by comparison shopping. That's because rates vary among companies for the exact same coverage. We compiled at premiums reported by EverQuote users in Missouri for large insurance companies. The prices below reflect rates for one driver with a clean record insuring one car. 

(Click to see reviews)
Average monthly premium
AAA Insurance $105
American Family $112
State Farm $120
USAA $121
Safeco $122
Geico $122
Allstate $125
Farmers $132
Progressive $136
Esurance $163
Source: EverQuote. See full methodology below.

Be aware that the cheapest car insurance company in Missouri for you when you have a good driving record might not be the cheapest if you have tickets, accidents or claims. The cheapest choice can also change if you add a driver, move or change coverage levels. 

Missouri car insurance rates after a speeding ticket

Accidents, claims and tickets for moving violations can all lead to a rate increase at renewal time. We looked at premiums reported by EverQuote users in Missouri who had a speeding ticket on their records compared to those with clean records. The average increase was 30%.

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Missouri drivers are speeding and using their phones while driving.

Missouri car insurance rates by city

We also looked at Missouri car insurance rates reported by EverQuote users in various cities. Drivers in Springfield reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Springfield $110
Columbia $117
Kansas City $123
Independence $123.50
Saint Charles $127
Florissant $132
Saint Louis $136
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Missouri

  • Ask your insurance agent to review all possible auto insurance discounts.
  • Find out from your agent how much you can save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Improve your credit. Insurers often use a credit-based insurance score when determining rates. People with poor credit generally get charged higher auto insurance rates. 
  • Buy a vehicle that won't lead to higher rates. See the cheapest cars to insure

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated May 31, 2018

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