Missouri Car Insurance – Compare Best Car Insurance Companies



Who pays more for car insurance, Kansas City or St. Louis? It’s St. Louis by several hundred dollars. But no matter where you live, you can save on car insurance by comparing rates. Comparable state car insurance rates for every city and town in Missouri are mapped out below. Enter your ZIP code, age group and coverage level in the tool to see what you can expect to pay in your neighborhood. You’ll see the price differs among insurers for the same coverage. That’s why it pays to shop around before you buy.

What you need to know about car insurance in Missouri

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Missouri Car Insurance Rates by ZIP Code

CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2017 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers. Averages for the default result are based monthly insurance for a male driver, age 30, for state minimum required liability coverage. Averages for customized rates are based on drivers’ ages and gender for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Enter a ZIP code in the tool below to see the average premium for the location. You will also see the highest and lowest rates from the six major carriers surveyed. You can get a more customized rate by choosing from among six age groups and three coverage levels. This way you can tell if your quotes are too high and if you should keep shopping for a lower rate.

Cheap car insurance in Missouri

Missouri car insurance requirements

Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $10,000
Uninsured/underinsured motorist bodily injury $25,000/$50,000

Recommended car insurance coverage

The cheapest car insurance may not provide sufficient protection, so how much insurance should you buy? Bare-bones coverage may be a good choice if you have few assets or have an old car and don’t drive much. But if you have a home and investments, consider buying more insurance. If you don’t, you’re at risk for having your money and house taken to cover the cost of an accident. If you financed your car you will be required to get additional comprehensive and collision coverage.

Use our How Much Car Insurance Do You Need? tool to get a recommendation.

Liability

We recommend you buy more insurance than is required to legally drive a car in your state, especially if you have savings and assets. The more money you have, the more likely you are to be sued following a car accident should your insurance be insufficient to cover all the expenses. If your net worth is:

  • less than $50,000, choose at least 50/100/50
  • between $50,000 and $100,000, choose at least 100/300/100
  • more than $100,000, choose at least 250/500/100

If you’re leasing or financing your car, you must get coverage of 100/300/100 or higher.

Collision and comprehensive

Collision coverage pays for damage to your car after an accident that you cause. Comprehensive insurance pays to replace stolen cars and for damages from vandalism, flooding, hail, fire and animal strikes. If your car is:

  • less than 10 years old, you should strongly consider buying collision and comprehensive.
  • more than 10 years old, only buy collision and comprehensive if your car is worth $3,000 or more, if you couldn’t afford to replace your car if it’s wrecked, or if you just want more protection on your policy.

For drivers in Missouri, collision costs an average of $473 yearly, comprehensive is $298, according to CarInsurance.com rate data. If you buy comp and collision, check our guide to choosing a deductible amount.

Medical coverage (MedPay)

Medical payments coverage can help pay for the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault, up to $25,000. In most states, including Texas, it’s an optional addition to your car insurance policy. MedPay does the following:

  • Covers you and your passengers’ medical expenses
  • Pays for expenses after health insurance limits are exceeded
  • Offers additional protection to insured drivers who are hit by a car while walking or biking

If you and your passengers:

  • Don’t have health insurance, or have a plan that doesn’t cover car accidents or has low limits, we recommend that you add medical coverage of at least $5,000 to your car insurance policy.
  • Do have health insurance, it’s still a good idea to have medical coverage if you want the best protection in your policy, as it can pay out after your health benefits are maxed out.

Gap insurance

If you don’t own your car outright and have an accident, gap insurance pays the difference between the cash value of your car and the current outstanding balance on your loan or lease.

  • If you’re financing your car, your car is less than one year old and you’ve put less than 20 percent down on it, you should buy gap insurance. If not, you don’t need gap insurance.
  • If you’re leasing your car, it’s a good idea to buy gap insurance if you aren’t already required to in your lease agreement.
  • If you own your car outright, you don’t need gap insurance.
Coverage limits Average annual rate
Liability Only – state minimum $409
Liability Only – 50/100/50 BI/PD $457
Full Coverage – 100/300/100 BI/PD $500 Comp/Collision deductible $1,154

**The table shows the average annual rate of nearly every ZIP code in Missouri from up to six major insurance companies. Rates are for a male driver, age 40, with a clean record and good credit for a 2016 Honda Accord. Data was provided for CarInsurance.com by Quadrant Information Services.

Cheapest car insurance in Missouri by company

Below you’ll see average annual rates for Missouri, ranked cheapest to most expensive, for three coverage levels:

  • State minimum liability requirements
  • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
  • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible
Company State minimum average annual rate 50/100/50 average annual rate 100/300/100 average annual rate
Allied Prop & Cas Ins Co $346 $374 $724
Allstate Fire & Cas Ins Co $636 $691 $1,769
Farmers Ins Co Inc $454 $487 $1,051
Geico Cas Co $268 $304 $800
Progressive Cas Ins Co $390 $449 $1,303
State Farm Mut Auto Ins Co $362 $435 $1,279

Low cost auto insurance for Missouri drivers with recent accidents

Filing an accident claim means you are likely to pay more for your car insurance coverage. However, how much more you pay depends on several factors, and your car insurance company plays is one of those significant factors. Each company assesses risk differently, so that’s why the increase after an accident will vary among insurers. Here is how major carriers compare after at-fault accidents for the average Missouri driver with a full coverage policy:

Company 1 At-fault property damage accident over $2K 2 At-fault property damage accident over $2k At-fault bodily injury accident
Allied P&C PPCM $1,744 $3,775 $1,744
Allstate F&C $2,101 $2,572 $2,101
Farmers Ins Co $1,857 $2,234 $1,857
GEICO Cas $1,397 $2,245 $1,397
GEICO General $1,305 $2,193 $1,305
Progressive Casualty $1,461 $2,895 $1,461
State Farm Mutual Auto $1,167 $1,779 $1,167

Who has the cheapest Missouri car insurance for drivers with speeding tickets?

If you get a speeding ticket, chances are you’ll see an increase in what you pay for car insurance, upon your policy renewal. Typically, you’ll pay more for three years. But even with a traffic ticket, comparison shopping can save you money. For instance, you’ll see that the difference between the highest rate and the lowest in the table below is more than $806, on average, according to CarInsurance.com’s rate analysis. That’s how much you can save by comparing car insurance companies.

Company Average Rate
GEICO Cas $1,048
State Farm Mutual Auto $1,167
GEICO General $1,186
Allied P&C PPCM $1,323
Farmers Ins Co $1,687
Progressive Casualty $1,704
Allstate F&C $1,855

How much does it cost to add a teen to your policy in Missouri?

No matter where you live, adding a new driver to your family policy will hike your rate significantly. In Missouri, you can expect your rate to go up by an average of 131 percent when adding a driver age 16 to your coverage, according to CarInsurance.com rate data. You’ll see in the table below how much it costs, on average, to add a teen driver in Missouri, and how major insurers compare on price. GEICO Cas had the lowest auto insurance cost for adding a driver age 16 to a full coverage family policy, among insurers surveyed.

Company Average Rate Average Rate after adding female teen $ Increase (female) Average Rate after adding male teen $ Increase (male)
Allied P&C PPCM $1,305 $2,174 $869 $2,606 $1,301
Allstate F&C $1,676 $3,558 $1,882 $4,675 $2,999
Farmers Ins Co $1,412 $3,239 $1,827 $3,243 $1,830
GEICO Cas $879 $1,430 $552 $1,713 $835
GEICO General $1,186 $1,839 $652 $2,304 $1,118
Progressive Casualty $1,461 $3,020 $1,559 $3,342 $1,881
State Farm Mutual Auto $1,096 $2,348 $1,251 $2,966 $1,869

Cheapest Missouri auto insurance for young drivers: Ages 18 to 25

Enter an age from 18 to 25 to see who has the best rates for young drivers in Missouri, by company. You’ll see in the chart below which car insurance companies have the lowest rates for young drivers buying a full coverage policy. Average car insurance rates by age data shows that drivers typically pay higher rates until age 26, when rates begin to drop as drivers gain more experience on the road. But even young drivers can save money by comparing car insurance rates to see which company has the lowest rates, by qualifying for student discounts and by staying on their parents’ policy as long as possible.


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