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Last updated: February 24, 2026Best Auto Insurance in Missouri of 2026
State Farm, USAA, and Nationwide are among our favorites in the Show Me State, depending on your budget and needs.
Best Value
Editor's Rating:
4.9/5
4.9/5Full Coverage Averages in Missouri
- Annual Premium: $1,854
- Monthly Premium: $155
Best for Military and Veterans
Editor's Rating:5/5
5/5Full Coverage Averages in Missouri
- Annual Premium: $1,231
- Monthly Premium: $103
Best for Customer Satisfaction
Editor's Rating:4.8/5
4.8/5Full Coverage Averages in Missouri
- Annual Premium: $2,284
- Monthly Premium: $190
Key Takeaways
- Our pick for the best value car insurance in Missouri is State Farm. USAA, Nationwide, Shelter, and Missouri Farm Bureau also made our list for different categories.
- Missouri auto insurance costs slightly more than the national average at $2,458 per year for full coverage and $775 per year for minimum coverage.
- While average rates like those included here provide insight into overall pricing trends, individual premiums will vary based on factors like age and driving history.
Summary of the Best Auto Insurance in Missouri
- Best Value: State Farm
- Best for Military and Veterans: USAA
- Best Usage-Based Insurance: Nationwide
- Best for Customer Satisfaction: Shelter
- Best for Minimum Coverage: Missouri Farm Bureau
Compare the Best Cheap Auto Insurance in Missouri
| Company | Full Coverage Monthly Avg. in MO | Minimum Coverage Monthly Avg. in MO | Central customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $155 | $58 | Above average |
| USAA | $103 | $28 | Above average |
| Nationwide | $190 | Data not available | Below average |
| Shelter | $179 | $59 | Above average |
| Missouri Farm Bureau | $201 | $33 | Below average |
| Missouri | $205 | $65 | – |
Breaking Down the Best Cheap Auto Insurance in Missouri
1. Best Value - State Farm
What We Like Most:
- Various discounts for young drivers
- High customer satisfaction ratings
- Easy claims process
Why we chose it
State Farm, our top pick for car insurance in Missouri, is the largest auto insurance provider in the U.S. by market share. It offers affordable rates and several young driver discounts, so many Missouri drivers can pay less for their premiums while getting reliable coverage. Plus, State Farm ranked second overall in J.D. Power’s 2025 customer satisfaction study for the Central region.
While State Farm doesn’t offer traditional gap insurance, it does offer a free service called Payoff Protector through its in-house financial services institution, State Farm Bank. For drivers who buy their cars with loans from State Farm Bank and then insure the vehicles with State Farm, Payoff Protector effectively acts as gap insurance. If your covered vehicle is declared to be a total loss, State Farm Bank will cancel the difference between the amount the claim pays out and the outstanding principal balance due on your loan.
Who it’s best for
Customers looking to balance cost and service, young drivers, drivers looking for full coverage, drivers who want to work with local agents
FYI:
Prefer to work with a local agent in person? State Farm has offices in 82 different cities and towns throughout Missouri, including St. Louis, Columbia, and Chesterfield.
State Farm Missouri Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $155 | $58 |
| Annually | $1,854 | $693 |
| Difference from Missouri average | -25% | -11% |
2. Best for Military and Veterans - USAA
What We Like Most:
- Cheap rates for military-affiliated drivers
- Exceptional customer service
- Specialized offerings for the military community
Why we chose it
USAA offers banking, investment services, and a variety of insurance options exclusively for members and veterans of the United States Armed Forces and their immediate families. USAA consistently ranks highly in car insurance customer satisfaction surveys — it received an overall customer satisfaction score of 719 out of 1000 in J.D. Power’s most recent Auto Insurance Study for the Central region, which is significantly higher than the study average score of 649.
USAA offers specialized coverage options and discounts for its members who are on active duty, including savings of up to 15 percent off your comprehensive coverage premium when you garage your car on a military base. You can also earn up to a discount of up to 60 percent off for storing your covered vehicle on base or at another USAA-approved facility while deployed, or for any other reason.
Who it’s best for
Active-duty U.S. military personnel and their families, military personnel who are stationed overseas but keep their cars in the U.S.
QUICK TIP:
Focused on car maintenance rather than car shopping? USAA offers member perks that include 25 percent off new Goodyear tires and up to 40 percent off maintenance services booked through CarAdvise.1
USAA Missouri Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $103 | $28 |
| Annually | $1,231 | $331 |
| Difference from Missouri average | -50% | -57% |
3. Best Usage-Based Insurance - Nationwide
What We Like Most:
- Pay-per-mile option for low-mileage drivers
- Wide range of coverages, including for ATVs
- User-friendly digital tools
Why we chose it
Nationwide has two telematics programs, SmartRide and SmartMiles. It ranked first for usage-based insurance in J.D. Power’s Auto Insurance Study, indicating that policyholders are pleased with the company’s telematics offerings. SmartMiles is a pay-per-mile insurance plan aimed at drivers who drive less than average. The cost consists of two parts: a base rate and a variable per-mile cost that is multiplied by the miles you drive per month. The less you drive, the lower your monthly bill will be.
Meanwhile, SmartRide tracks both mileage and driving behaviors, making it a great choice for safe drivers. Nationwide offers a 10 percent discount upon signup and discounts of up to 40 percent at renewal based on how little and how safely you drive. It states that most drivers earn their discount in 80 days, and it tracks your driving continuously, so you can improve on your discount at your next renewal.
Who it’s best for
Safe drivers; drivers who mainly use their cars for short, local trips; people who drive infrequently, like stay-at-home parents, remote workers, and retirees; ATV owners
Nationwide Missouri Pricing
| Nationwide | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $190 | Data unavailable |
| Annually | $2,284 | Data unavailable |
| Difference from Missouri average | -7% | – |
4. Best for Customer Satisfaction - Shelter
What We Like Most:
- Headquartered in Missouri
- Includes new car replacement on auto policies
- Various discounts available
Why we chose it
Shelter is a relatively small regional insurer that operates in 15 states but is headquartered in Missouri. It offers various types of insurance, including auto, home, farm, and life insurance.
While you can get a quote online, all Shelter policies must be purchased through an agent. Its rates tend to be higher than competitors in Missouri, but it offers many ways for drivers to lower their premiums, including three specific Switch and Save discounts that are geared toward new customers who switch to Shelter.
When it comes to customer satisfaction, Shelter beats out every insurer on this list except for USAA, which has eligibility restrictions. Shelter ranked first in J.D. Power’s Auto Insurance Study for the Central region, which includes Missouri, with a score of 673. It also earned a rating of B- from the CRASH Network and has an NAIC Complaint Index of 0.98, meaning it receives slightly fewer complaints than average.
Who it’s best for
Those looking to work with a local agent, drivers who prioritize customer service, drivers who need business auto insurance
Shelter Missouri Pricing
| Shelter | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $179 | $59 |
| Annually | $2,153 | $702 |
| Difference from Missouri average | -12% | -9% |
5. Best for Minimum Coverage - Missouri Farm Bureau
What We Like Most:
- Wide network of local agents
- Most affordable minimum coverage rates in MO
- Member benefits and perks
Why we chose it
Missouri Farm Bureau was the first state Farm Bureau established in the country and continues to advocate for the state’s farmers and agricultural industry. Through its affiliate companies, it offers various insurance policy types, including auto, home, farm, life, and more. Membership costs $30 annually, in addition to any insurance premiums, but it includes numerous benefits and perks, such as discounts on hundreds of products and services.
Farm Bureau sells policies through local agents based at more than 140 local service centers across the state who understand the needs of the community and provide personalized service. Missouri Farm Bureau offers several discounts to help customers save, including generous discounts of up to 20 percent for good students and for remaining accident-free for three years, and occupational discounts for law enforcement officers, employees and agents of the MO Conservation Commission, employees of agencies dealing with agriculture, and more.
Who it’s best for
Drivers looking for a minimum coverage policy, Farm Bureau members
Missouri Farm Bureau Missouri Pricing
| Missouri Farm Bureau | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $201 | $33 |
| Annually | $2,412 | $402 |
| Difference from Missouri average | -2% | -48% |
Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Central2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| State Farm | 664 | D+ | 716 | 2.46 |
| USAA | 719 | C- | 741 | 3.10 |
| Nationwide | 632 | C | 729 | 2.55 |
| Shelter | 673 | B- | Not rated | 1.11 |
| Missouri Farm Bureau | 645 (Farm Bureau Financial Services | Not rated | Not rated | 1.33 |
| Average | 649 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Average Cost of Auto Insurance in Missouri
Average Full Coverage Rates in Missouri
Typically, the cost of full coverage car insurance in Missouri is very slightly higher than the national average of $2,356 per year. A full coverage policy costs around $2,458 a year, or $205 monthly.
| Category | Full coverage average (annual) | Full coverage average (monthly) |
|---|---|---|
| Missouri Average | $2,458 | $205 |
| National Average | $2,356 | $196 |
Minimum Coverage
A minimum coverage policy in Missouri also costs slightly more than the national average. Typically, minimum coverage in the state costs $775 annually and $65 a month, compared to the national average of $722 per year.
| Category | Minimum coverage average (annual) | Minimum coverage average (monthly) |
|---|---|---|
| Missouri Average | $775 | $65 |
| National Average | $722 | $60 |
Cost of Auto Insurance in Missouri by City
St. Louis is the most expensive city for auto insurance in Missouri by a significant margin. The average auto insurance premium in Saint Louis is $3,562 per year, or $297 per month. This is over $1,000 higher than the statewide average.
Missouri drivers will find lower auto insurance rates in Columbia. Policies here typically cost $2,440 per year, or $203 per month.
In general, rates in cities are higher than the state average. Rates in more rural areas are generally lower on average.
| City | Average Annual Premium | Average Monthly Premium |
|---|---|---|
| St. Louis | $3,562 | $297 |
| Kansas City | $3,088 | $257 |
| Independence | $2,852 | $238 |
| Springfield | $2,577 | $215 |
| Columbia | $2,440 | $203 |
How Many Car Accidents Happen in Missouri?
There were 134,413 total car accidents in Missouri in 2024, based on traffic data from the Missouri Statewide Traffic Accident Records System.6 Of these, 882 were fatal, 34,229 resulted in injuries, and 99,302 involved property damage only. The days of the week during which most accidents occurred were Friday and Tuesday. In addition, most accidents happened between 3 p.m. and 6 p.m.
Minimum Auto Insurance Requirements in Missouri
Missouri state law requires the following minimum coverage limits:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $25,000 per accident
Meeting the minimum insurance limits allows you to drive legally, but these limits often offer limited protection. If you’re responsible for a serious accident, you could be left paying thousands out of pocket if your coverage falls short. If your budget allows, choosing higher limits — such as 100/300/100 — and full coverage can provide much stronger financial protection.
GOOD TO KNOW:
Missouri has the sixth-highest rate of uninsured drivers in the country.7 While it’s not required by law, adding uninsured motorist coverage to your policy can help protect you financially if you’re hit by a driver without insurance.
Frequently Asked Questions
USAA has the cheapest car insurance rates, on average, in Missouri, but its membership is restricted to those affiliated with the military. Non-military drivers will find the cheapest average full coverage rates from Travelers and State Farm, and the cheapest average minimum coverage rates from Travelers and Missouri Farm Bureau.
On average, car insurance in Missouri costs $2,458 per year or $205 per month for full coverage. That’s a little higher than the national average. Minimum coverage in the state costs around $775 per year or $65 per month.
The driver at fault and their insurance company are responsible for paying the medical bills related to a car accident in Missouri, which is an at-fault state.
It takes a total of eight or more points in 18 months to lose your driver’s license in Missouri, according to the Missouri Department of Revenue.
Methodology
To select the top car insurance providers in Missouri, we assessed companies across the following four main categories:
- Pricing (40%): We looked at average yearly costs for full and minimum coverage for safe drivers in Missouri. We also looked at discounts and whether they offered significant savings, like good student discounts and telematics programs. For minimum coverage, state laws apply. We use the following limits for full coverage:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): An insurance company’s most important role is offering a timely and just claims process. We looked at third-party reports from sources like J.D. Power’s U.S. Auto Insurance Study for companies providing coverage in Missouri. We also considered a provider’s capability of fulfilling claims payouts by examining financial strength ratings from agencies like AM Best.
- Customer Experience (25%): The customer’s journey of retrieving a quote, buying a policy, and relying on the insurer was assessed based on these points: the online quote and buying process and regional customer satisfaction ratings (J.D. Power U.S. Auto Insurance Study and Digital Experience Study) for states in the Central U.S. and information from the National Association of Insurance Commissioners (NAIC).
- Coverage Options (10%): We prefer insurance providers that include additional coverage beyond minimum state requirements in Missouri. This includes offerings like gap insurance, vehicle replacement, and roadside assistance.
Read more about our ratings and methodology.
Sources
Simplify car care with CarAdvise. USAA. (2026).
https://www.usaa.com/perks/vehicle-maintenance/caradvise/It’s Now a Buyer’s Market for Auto Insurance, JD Power Finds. JD Power. (2025, Jun 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. CRASH Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2026).
https://content.naic.org/cis_refined_results.htmCrashes Report Menu. State of Missouri MOCARS Reporting. (2026).
https://www.mshp.dps.missouri.gov/MSHPWeb/SAC/stars_index.htmlFacts + Statistics: Uninsured motorists. Insurance Information Institute. (2026).
https://www.iii.org/fact-statistic/facts-statistics-uninsured-motorists
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