Key Points:

• Our picks for the best car insurance providers in Missouri are Missouri Farm Bureau, Auto-Owners, USAA, State Farm, and Shelter Insurance.
• If you’re looking for a full coverage policy, Auto-Owners has the cheapest rates with an annual average of $1,027.
• Missouri Farm Bureau offers the cheapest rates for high-risk drivers. 

We’ve reviewed the best car insurance companies nationwide. In this article, we’ll take another look at our top providers–as well as local providers–through the lens of Missouri laws and regional costs to recommend the best rates and providers in the area. Of course, the only way to find the cheapest car insurance in Missouri is to compare quotes from multiple providers, which you can do by using the free tool below.

Our research team spent over a thousand hours looking into car insurance providers across the country. In this research, we found that Missouri Farm Bureau is the overall best provider for Missouri drivers. While USAA is another top provider, it’s only available for military members and their families, so if this doesn’t apply to you, we recommend getting quotes from our other picks. 

Cheapest Minimum Coverage Insurance In Missouri

According to our rate data, Missouri drivers pay average rates of $562 annually for minimum coverage car insurance and $1,760 a year for full coverage car insurance. These rates come in below the yearly national average cost of car insurance, which is $798 for minimum coverage and $1,968 for full coverage.

We found that Missouri Farm Bureau is the cheapest company in the state for minimum liability coverage with average annual car insurance rates of $226. For a full coverage policy, Auto-Owners has the cheapest rates with an annual average of $1,027. 

Our estimates are based on the driver profile of an unmarried, 30 year-old man with a 2020 Honda CR-V, a good credit score, and a clean driving record. If you have a DUI, poor credit, an at-fault accident, a speeding ticket, or other factors in your driving history, your auto insurance rates may vary. 

Missouri Car Insurance Company Comparison

Below, you can see the 5 best car insurance providers in Missouri based on our industry research. 

*Not all companies were included in our rate estimates for each state. You may also notice that some car insurance companies are listed above those with higher star ratings. This is because our star ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for car insurance in Missouri.

To determine the best Missouri auto insurance providers, we considered the average costs each company offered to Missouri drivers. We also looked at customer satisfaction scores for the region.

The companies we recommend below either offered low rates for the area or scored highly in the J.D. Power 2023 U.S. Auto Insurance Study℠ for the Central region, which includes Arkansas, Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, and South Dakota.

Full Coverage Auto Insurance Cost: $93 monthly, $1,119 yearly
Minimum Liability Auto Insurance Cost: $19 monthly, $226 yearly
Missouri Customer Service Rating: N/A*
Claims Satisfaction Rating: N/A*

Our top recommended provider for Missouri auto insurance is Missouri Farm Bureau. The provider has an A+ rating from the Better Business Bureau (BBB) and has over 140 local offices and has agents that specialize in coverage for Missouri drivers. Our research shows it’s one of the lowest-cost providers in the area. Costs may stay low due to the high number of discount opportunities.

Policies are only available to Missouri Farm Bureau members, but membership is available to anyone for $30 and provides discounts on a variety of products.

*This provider wasn’t included in either the J.D. Power 2023 Auto Insurance Study or the J.D. Power 2023 Auto Claims Satisfaction Study. 

Full Coverage Auto Insurance Cost: $86 monthly, $1,027 yearly
Minimum Liability Auto Insurance Cost: $24 monthly, $283 yearly
Missouri Customer Service Rating: 829/1,000
Claims Satisfaction Rating: 888/1,000

Available in only 26 states, Auto-Owners is well-regarded by Missouri drivers, as the company scored 829 out of 1,000 points (fourth place) in the 2023 J.D. Power Auto Insurance Study for the Central region. Auto-Owners Insurance operates solely through local agents, and it offers cheap car insurance below the state average. It has an A++ (Superior) financial strength rating from AM Best, and it offers a number of additional coverages and discounts.

Full Coverage Auto Insurance Cost: $102 monthly, $1,219 yearly
Minimum Liability Auto Insurance Cost: $26 monthly, $306 yearly 
Missouri Customer Service Rating: 890/1,000
Claims Satisfaction Rating: 900/1,000

Our research found that USAA rates are among the lowest nationwide, while its levels of customer service satisfaction are among the highest. In fact,  USAA is rated the highest in Missouri for customer satisfaction according to the J.D. Power Auto Insurance Study for the Central region. With its affordable prices and discounts, the only drawback to USAA insurance is that it’s not available to everyone: only military members and their families are eligible for USAA membership.

Learn more about USAA by reading our full USAA auto insurance review.

Full Coverage Auto Insurance Cost: $113 monthly, $1,353 yearly 
Minimum Liability Auto Insurance Cost: $37 monthly, $445 yearly
Missouri Customer Service Rating: 833/1,000
Claims Satisfaction Rating: 891/1,000

We named State Farm the best overall provider in the United States because of its superior industry reputation, high level of coverage offerings, strong customer satisfaction ratings, and low average costs. For many Missouri customers, State Farm offers not only the best-priced coverage, but the most reliable coverage as well. It also provides multiple add-ons and discounts.

Full Coverage Auto Insurance Cost: $275 monthly, $3,298 yearly
Minimum Liability Auto Insurance Cost: $82 monthly, $988 yearly
Missouri Customer Service Rating: 851/1,000
Claims Satisfaction Rating: 879/1,000

Shelter Mutual Insurance has been in business for over 70 years and is headquartered in Columbia, Missouri. While it was initially only offered to Missouri residents, the company has since expanded into several nearby states. Shelter offers several discounts and is ranked first in Missouri’s region for customer satisfaction based on the 2023 J.D. Power Auto Insurance Study.

Drivers in Missouri are subject to certain car insurance requirements: they must maintain liability car insurance as well as uninsured/underinsured motorist coverage. The following chart outlines the minimum amounts these policies must cover.

Penalties for driving in Missouri without the state minimum requirements can be high. You can receive 4 points on your license, a fee, and a license suspension. Each time your license is suspended because you’re an uninsured motorist, the penalty increases:

• First offense: To reinstate your license, drivers must pay a $20 reinstatement fee.
• Second offense within two years: Your license is suspended for 90 days and you must pay a $200 reinstatement fee.
• Third and subsequent offenses: Your license is suspended for one year and you must pay a $400 reinstatement fee.

Missouri auto insurance is cheaper than the national average. Insurance requirements are typical, and the punishments for driving without insurance include fines and license suspensions.

For quality Missouri auto insurance, we recommend Missouri Farm Bureau, Auto-Owners, and USAA, though there are many good providers in the state. If you’re looking for cheap coverage, the only way to find the lowest option for you is to compare multiple car insurance quotes.

Below are a few frequently asked questions about car insurance in Missouri:

Our review team extensively researches auto insurance providers to deliver informed and unbiased assessments of leading companies. We evaluate several key rating factors that are important to consumers to determine which providers are the best in the industry: