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June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Oct 21, 2022 Compare car insurance rates Answer a few questions to discover real rates from top-tier carriers in your area. Your information is secure Compare rates Select from a variety of trusted carriers + MORE How it works Caret Down Tell us a little about yourself We'll only ask for info we're confident will impact your rate. That way, we can provide you with the most accurate and personalized offers. Choose which policy is best for you Compare your options from a list of carriers that want to get you insured. You can then move forward with as many as you'd like. Lock in your rate and policy details Once you're confident in your selected carrier, finish up the process online or on the phone with a trusted agent. And that's it! On This Page
USAA, Geico and Esurance are among the best car insurance companies in Missouri based on Bankrate's extensive research. The for Missourians is $1,893 per year, based on Bankrate's review of quoted annual premiums. Drivers are legally required to carry at least the minimum required car insurance in Missouri. However, it may be beneficial for drivers to focus on not only finding the best rates in the state, but also the individual carrier's coverage options, discounts and financial strength ratings to meet their unique needs. See More Key takeaways Missouri drivers pay an average of $1,893 per year for full coverage car insurance, which is about seven percent higher than the national average. Average Missouri car insurance rates are about 23 percent more expensive than average rates in Illinois and 51 percent more expensive than average rates in Iowa. Compare rates and save on auto insurance today! Get quotes Close X How Bankrate chose the best car insurance companies in Missouri
When looking for car insurance quotes in Missouri, there are many insurers available, making it difficult to know which is best. To help simplify your shopping process, Bankrate developed its Bankrate Score to rank insurance carriers. Our insurance editorial team reviewed carriers based on available policies and discounts, financial strength, customer satisfaction, mobile app accessibility and more. The better a company did in each of these categories, the higher its overall Bankrate Score for a maximum score of 5.0 points. Utilizing our Bankrate Score may help you more easily compare carriers, as well as gauge which might give you the best experience.
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state's requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Best car insurance companies in Missouri
Of the numerous car insurance companies available in Missouri, a few stand out for competitive average rates and overall scores. Top three carriers USAA, Geico and Esurance all offer positive attributes, ranging from high customer service satisfaction ratings to superior financial strength ratings through and . Our insurance editorial team also reviewed affordability based on rates from Quadrant Information Services. All carriers, including Progressive and American Family, also offer competitive average rates compared to Missouri's average premiums of $1,893 per year for full coverage and $515 per year for minimum coverage. Bankrate's scoring system reviews all of these elements and more to determine which carriers perform the best. These carriers rank highly based on our metrics: Carrier J.D. Power Annual full coverage premium Annual min coverage premium Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 879 /1,000 Annual full coverage premium $1,001 Annual min coverage premium $262 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 847 /1,000 Annual full coverage premium $1,536 Annual min coverage premium $424 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power Not rated Annual full coverage premium $1,716 Annual min coverage premium $721 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 820 /1,000 Annual full coverage premium $1,642 Annual min coverage premium $509 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power Not rated Annual full coverage premium $1,831 Annual min coverage premium $693 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Discover the best carrier for you
Get custom car insurance quotes from top-rated carriers in 3 minutes or less. *Not officially ranked with J.D. Power due to eligibility restrictions USAA
Although it is not officially ranked due to eligibility restrictions, USAA received the highest score in the 2022 J.D. Power Auto Insurance Study in the Central region, which makes sense as customer service is a strong focus for the insurance provider. USAA is only available to eligible military members, veterans and their immediate family members, so the membership requirements may prohibit some drivers in Missouri from choosing this carrier. For those who are eligible, USAA offers the standard lineup of coverage options you would expect as well as low average rates. The discounts are still plentiful, too. Learn more: Geico
Drivers looking for customizable options within their car insurance policy may find that Geico's auto insurance coverage is relatively basic with only a few options for personalization. However, the company offers a tremendous amount of discounts, which might help make up for the relatively limited number of coverage options. Savings may be available if you are a member of the military, a federal employee, a good student or a member of several groups, such as alumni organizations. If you prefer digital policy management, Geico might be a good option because of its online and mobile app capabilities. Learn more: Esurance
Esurance is an entirely digital insurance experience backed by Allstate. Drivers in Missouri who want to manage policies and file and track claims online can easily do so through the company's online portal and mobile app. Esurance even offers its DriveSense mobile app for drivers who want to use to track their driving habits for potential discounts. Because of its self-service model, Esurance may not be the ideal option for customers who want an in-person agency experience when it comes to car insurance. Learn more: Progressive
Progressive offers competitive rates and options for managing policies and claims online. Drivers with Progressive can even obtain coverage through their current policy when driving to Mexico, as well as utilize its when it's time to look for a new car. However, it ranked toward the bottom in J.D. Power's Auto Insurance Study, indicating that customers were not satisfied with the claims service received from Progressive. Learn more: American Family
Although American Family has average prices that are higher than some of the other carriers on this list, customers may find that it is a well-rounded insurer worth the extra cost. In addition to standard car insurance coverage, you may be able to add endorsements like roadside assistance, car rental reimbursement and accidental death and dismemberment. The company also has several discounts that could lower your premium even more. American Family also offers a highly-rated mobile app and online quote and policy management system. One drawback to the carrier is it does not offer specialized coverage options, such as sound equipment coverage, but may offer what you need in other categories. Learn more: Average car insurance cost in Missouri
The is $515 for minimum coverage and $1,893 for a full coverage policy. The national average for full coverage is $1,771 per year, so Missouri drivers may pay slightly more than the average U.S. driver. Compared to , Missouri's average car insurance rate is even more expensive. The average annual cost of full coverage car insurance in Illinois and Indiana is $1,533 and $1,254, respectively. Higher insurance costs in Missouri could be in part attributed to higher rates of vandalism and than some nearby states, although car theft rates are on the decline compared to 2021. The rates below are from the 2022 quoted annual premiums from Quadrant Information Services, but your exact rates could vary depending on personal factors and the carrier you choose. Average annual premium for minimum coverage in Missouri Average annual premium for full coverage in Missouri $515 $1,893
Missouri city Average annual premium for full coverage Average annual premium for minimum coverage Columbia $1,654 $444 Independence $1,890 $545 Kansas City $2,022 $560 Springfield $1,722 $517 St. Louis $2,205 $643 How to find the best car insurance in Missouri
Finding the best auto insurance in Missouri will depend on your needs and financial situation. Considering some of the steps below could help you determine which car insurance carriers may be the best fit for you. Consider minimum insurance requirements in Missouri
Missouri state law requires drivers to carry minimum liability coverage for bodily injury and property damage. You cannot purchase less than the minimum required amount, but most financial experts agree you should purchase higher limits if you can afford them to provide greater financial protection in case of a covered event. If you are unsure about the , you can also speak with a licensed insurance agent to ensure you have adequate coverage. Consider lender requirements
If you lease or finance your vehicle, your financial institution may require . This would include comprehensive and collision coverage to insure your vehicle if it were involved in a covered accident. You may also want to purchase , which covers the "gap" between what you owe on a vehicle and the amount the insurance carrier will payout, should your vehicle be totaled in a covered accident. Consider your individual needs
Your driving habits and unique needs should be taken into consideration when it comes to choosing car insurance. If you only have one car, for example, you may want to add rental reimbursement in the event that it needs to be repaired after a covered accident. If you have a teen driver in the household, you could benefit from asking about discount opportunities and teen driving courses that may help with lowering premiums. If you have a more complex situation, or just prefer working with an agent, that means you'll likely want an in-person local agent. Once you know what's important to you, you may be able to more easily narrow down which insurance companies are most likely to give you what you need. Car insurance discounts in Missouri
When looking for car insurance, the available may make a difference in for premiums. Most carriers offer a range of discounts which may include: Young driver discounts: This typically includes discounts for , good students or students away from home. Safe driver discounts: You can often find safe driving discounts for taking a defensive driving course, remaining claims-free or enrolling in a telematics program. Other car insurance discounts: Other common discounts could include a multiple policy discount for , alumni or professional organization discounts, and even a military discount, if available with your insurance company. Frequently asked questions
The in Missouri depends on what you want and need from a policy, as well as how each company weighs against your rating factors. Knowing what you are looking for - which could be the lowest price, stellar customer service, a digital app or specialty coverage - might help you identify which companies can meet your needs. You can then to see which is the best fit.
Yes, in order to legally own and operate a vehicle in Missouri, you must purchase at least the state minimum car insurance coverage, which is $25,000 bodily injury per person, $50,000 bodily injury per accident and $25,000 for property damage. The only way to avoid carrying an insurance policy in Missouri is by filing the form, which proves that you have provided other evidence that you can pay for damages that you may cause.
Bankrate reviewed several regional and national carriers for the and found USAA, Progressive and Geico to offer some of the lowest Missouri car insurance rates. Keep in mind that while these are the least expensive average rates from Bankrate's analysis, your exact rates could be more or less depending on your circumstances.
Missouri is an , which means that the driver who caused the accident must compensate the other party for the losses and damages incurred. In the case of a covered accident, this is typically covered through the liability portion of car insurance, although some drivers may also elect to pay the amount out-of-pocket to avoid filing a claim. Drivers should note that even if they choose to pay out-of-pocket, accidents are still typically reported to the insurer. Written by June Sham Insurance Writer June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Amelia Buckley is an insurance editor, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.