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Cheap Auto Insurance in Missouri — Compare & Save Up to 40%

Average Missouri driver pays $171/mo for full coverage. The cheapest carrier is GEICO at $130/mo. Compare 5+ companies in 90 seconds.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance
🎖️ U.S. Military Veteran 📋 Licensed in 50 States 🕐 15+ Years Experience 📅 Updated: April 10, 2026

Cheapest Auto Insurance Companies in Missouri (2026)

We compared full coverage rates from the top auto insurance companies in Missouri. Here are the cheapest options based on a 35-year-old driver with good credit and a clean record:

Insurance Company6-Month PremiumMonthly Cost
GEICO ⭐$780$130/mo
Shelter Insurance$846$141/mo
Progressive$876$146/mo
State Farm$960$160/mo
Allstate$1,164$194/mo

Rates are based on 2026 data for a 35-year-old driver with good credit, a clean driving record, and full coverage (100/300/50 with $1,000 deductibles). Your rate will vary.

Missouri Auto Insurance at a Glance

$171
Avg. Monthly (Full Coverage)
$130
Cheapest Monthly Rate
25/50/25
Minimum Liability Limits
14%
Uninsured Driver Rate

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What You Should Know About Missouri Auto Insurance

For complete Missouri auto insurance laws and requirements, visit the Missouri Department of Commerce and Insurance. For vehicle registration and licensing, visit the Missouri DOR Motor Vehicle.

Full Coverage vs. Liability in Missouri

Full coverage in Missouri averages $171/month, while liability-only coverage averages $48/month. Full coverage includes comprehensive and collision protection that covers damage to your own vehicle. If you have a car loan or lease, your lender likely requires full coverage.

While liability-only saves money, it leaves you paying out of pocket for damage to your own car in an accident, theft, or weather event. With 14% of Missouri drivers uninsured, we strongly recommend adding uninsured motorist coverage to any policy.

Missouri Auto Insurance Guides

Explore specific auto insurance topics for Missouri:

📄 Cheap Car Insurance› 📄 Minimum Coverage› 📄 Full Coverage› 📄 SR-22 Insurance› 📄 No Deposit Insurance› 📄 Liability Insurance› 📄 Collision Insurance› 📄 Comprehensive Insurance› 📄 Uninsured Motorist Insurance› 📄 PIP Insurance› 📄 Gap Insurance› 📄 Non-Owner Car Insurance› 📄 Teen Driver Insurance› 📄 Senior Driver Insurance› 📄 Military Car Insurance› 📄 High Risk Auto Insurance› 📄 First-Time Driver Insurance› 📄 Insurance After DUI› 📄 Bad Credit Car Insurance› 📄 Multi-Car Insurance› 📄 Rideshare Insurance› 📄 Car Insurance Discounts› 📄 Bundle Home & Auto› 📄 Pay-Per-Mile Insurance› 📄 Same-Day Car Insurance› 📄 Month-to-Month Insurance› 📄 Insurance After Accident› 📄 Electric Vehicle Insurance›

Auto Insurance Rates by City in Missouri

Where you live in Missouri significantly affects your premium. Click your city for local rate comparisons:

📍 Kansas City, MO — $2,384/yr› 📍 Springfield, MO — $2,126/yr› 📍 Columbia, MO — $2,116/yr› 📍 Independence, MO — $2,153/yr› 📍 Lees Summit, MO — $2,065/yr› 📍 O'Fallon, MO — $1,959/yr› 📍 Blue Springs, MO — $1,938/yr› 📍 Florissant, MO — $2,003/yr› 📍 Joplin, MO — $2,007/yr› 📍 Chesterfield, MO — $1,915/yr› 📍 Wentzville, MO — $1,880/yr› 📍 Jefferson City, MO — $1,975/yr› 📍 Cape Girardeau, MO — $1,890/yr› 📍 Oakville, MO — $1,891/yr› 📍 Wildwood, MO — $1,870/yr› 📍 University City, MO — $1,957/yr› 📍 Ballwin, MO — $1,901/yr› 📍 Liberty, MO — $1,861/yr› 📍 Raytown, MO — $1,982/yr› 📍 Kirkwood, MO — $1,985/yr› 📍 Mehlville, MO — $1,904/yr› 📍 Maryland Heights, MO — $1,920/yr› 📍 Gladstone, MO — $1,889/yr› 📍 Grandview, MO — $1,940/yr› 📍 Hazelwood, MO — $1,920/yr› 📍 Webster Groves, MO — $1,838/yr› 📍 Belton, MO — $1,780/yr› 📍 Nixa, MO — $1,898/yr› 📍 Raymore, MO — $1,895/yr› 📍 Sedalia, MO — $1,790/yr› 📍 Ozark, MO — $1,918/yr› 📍 Arnold, MO — $1,804/yr› 📍 Affton, MO — $1,884/yr› 📍 Rolla, MO — $1,793/yr› 📍 Warrensburg, MO — $1,803/yr› 📍 Creve Coeur, MO — $1,878/yr› 📍 Republic, MO — $1,899/yr› 📍 Ferguson, MO — $1,852/yr› 📍 Spanish Lake, MO — $1,919/yr› 📍 Manchester, MO — $1,803/yr› 📍 Farmington, MO — $1,750/yr› 📍 Concord, MO — $1,745/yr› 📍 Kirksville, MO — $1,868/yr› 📍 Clayton, MO — $1,802/yr› 📍 Lemay, MO — $1,823/yr› 📍 Hannibal, MO — $1,847/yr› 📍 Sikeston, MO — $1,770/yr› 📍 Poplar Bluff, MO — $1,765/yr› 📍 Overland, MO — $1,830/yr› 📍 Grain Valley, MO — $1,861/yr› 📍 Carthage, MO — $1,848/yr› 📍 Jackson, MO — $1,861/yr› 📍 Lebanon, MO — $1,767/yr› 📍 Washington, MO — $1,744/yr› 📍 Marshall, MO — $1,863/yr› 📍 Moberly, MO — $1,888/yr› 📍 Webb City, MO — $1,816/yr› 📍 Jennings, MO — $1,776/yr› 📍 Dardenne Prairie, MO — $1,899/yr› 📍 Festus, MO — $1,879/yr› 📍 Troy, MO — $1,845/yr› 📍 Branson, MO — $1,865/yr› 📍 Fulton, MO — $1,834/yr› 📍 Neosho, MO — $1,876/yr› 📍 Crestwood, MO — $1,830/yr› 📍 Union, MO — $1,756/yr› 📍 West Plains, MO — $1,871/yr› 📍 Eureka, MO — $1,743/yr› 📍 Town and Country, MO — $1,793/yr› 📍 Mexico, MO — $1,891/yr› 📍 Bridgeton, MO — $1,878/yr› 📍 Bellefontaine Neighbors, MO — $1,882/yr› 📍 Bolivar, MO — $1,768/yr› 📍 Maryville, MO — $1,749/yr› 📍 Excelsior Springs, MO — $1,829/yr› 📍 Kennett, MO — $1,903/yr› 📍 Smithville, MO — $1,817/yr› 📍 Kearney, MO — $1,747/yr› 📍 Harrisonville, MO — $1,746/yr›

Missouri Auto Insurance FAQ

Who has the cheapest car insurance in Missouri?
Based on our 2026 analysis, GEICO offers the cheapest full coverage in Missouri at $130/month. However, rates vary significantly by driver — comparing quotes from multiple carriers is the best way to find your lowest rate.
How much is car insurance in Missouri?
The average cost of full coverage auto insurance in Missouri is $171/month or $2,050/year. Liability-only coverage averages $48/month. Your actual rate depends on your age, driving record, vehicle, and ZIP code.
What is the minimum car insurance required in Missouri?
Missouri requires minimum liability limits of 25/50/25 (bodily injury per person/per accident/property damage). However, these minimums may leave you underinsured — most experts recommend at least 50/100/50.
How can I save on auto insurance in Missouri?
The most effective way to save is to compare quotes from multiple carriers. You can also save by bundling policies, maintaining a clean driving record, raising your deductible, and asking about discounts for good students, military service, or safety features.
Does Missouri have a lot of uninsured drivers?
Approximately 14% of Missouri drivers are uninsured. This is why uninsured/underinsured motorist coverage is highly recommended, even though it's not always required.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

  1. Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
  2. Missouri Department of Commerce and Insurance — official state insurance regulator for Missouri.
  3. National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
  4. Missouri DOR Motor Vehicle — Missouri vehicle registration and licensing requirements.
  5. Insurance Information Institute (III) — independent insurance education and research.
  6. National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
  7. NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

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