Cheap Car Insurance in Missouri 2019

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Finding cheap Missouri car insurance

If you're looking for cheap car insurance in Missouri, here are some top tips:

  • Compare auto insurance quotes from multiple insurance companies to find a good deal. Rates can vary by hundreds of dollars among insurers for the same coverage, so shopping around can really pay off.
  • Keep a good driving record. Try to avoid car accidents, tickets for moving violations and insurance claims.
  • Ask your car insurance agent to review all the car insurance discounts available from your insurer.
  • Adding a young driver to your insurance? See our tips for getting cheap car insurance for teen drivers.
  • Increase the deductible on comprehensive and collision coverage, if you buy them.
  • Buy renters or homeowners insurance from your auto insurance company to get a "bundling" discount.

We've analyzed average insurance premiums reported by EverQuote users so you can see how prices stack up for Missouri drivers.

Sections:

Missouri insurance vs. the U.S. average
Average Missouri insurance premiums by company
Insurance increases after a speeding ticket
Insurance increases after an accident
Average premiums for Missouri cities

Missouri insurance vs. the U.S. average

Average insurance premiums paid by Missouri drivers with good records are slightly lower than the national average:

  • $1,615/year Missouri average.
  • $1,684/year national average.

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

Insurance increases in Missouri 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 Annual premium with clean driving record Annual premium with speeding ticket % increase
Missouri $1,615 $2,101 30%
Nationwide average 26%

Insurance increases in Missouri 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 Annual premium with clean driving record Annual premium with a chargeable accident, no injury % increase
Missouri $1,615 $2,373 47%
Nationwide average 36%

Average insurance paid in Missouri cities

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

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

Minimum car insurance in Missouri

Car owners in Missouri must have two types of auto insurance: Liability and uninsured motorist coverage. But for many drivers the minimum insurance required by the state is not enough. If you're in an accident or are sued for an accident, you'll likely need more coverage. Let's break down what's available so you can make the right car insurance purchase.

Minimum liability insurance:

Liability insurance is the foundation of auto insurance policies. It pays others if you cause a car accident. In Missouri you must have liability limits of at least:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $10,000 property damage per accident

This is often written as 25/50/10.

Minimum uninsured (UM) and underinsured motorist (UIM) coverage:

  • Missouri drivers must have UM insurance. The minimum limits for UM are $25,000 per person/$50,000 per accident (known as 25/50). This coverage kicks in if you're injured by a driver who has no liability insurance.

Optional auto insurance in Missouri

Medical payments (MedPay) coverage: For your own medical bills from an accident, no matter who caused it. If you have health insurance you may not need MedPay.

Comprehensive and collision coverage: For theft of your car or damage from hitting another car, an animal like a deer, hail, flood, fire, vandalism, falling objects and explosions. If you have a car loan or lease you are probably required to have these.

   More: Cheap car insurance in Missouri

Rental reimbursement: Pays for a rental if your car is being repaired after a car accident.

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

Consumer complaints against car insurance companies

Each state's department of insurance tracks complaints against insurance companies that operate in their state. The National Association of Insurance Commissioners creates a "complaint ratio." This number is meant to show the complaints relative to the insurer's size of business. Here are national complaint ratios for the biggest car insurance companies in Missouri.


Missouri auto insurance complaints for large companies

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 March 6, 2019

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