Cheap Missouri Auto Insurance in 2024 (Save Big With These 10 Companies!)

State Farm, Geico, and Progressive are the best options for cheap Missouri auto insurance, offering competitive prices and comprehensive coverage.

Understanding auto insurance in Missouri is the key to shopping for coverage with confidence.

Read on for everything you need to know to buy cheap Missouri auto insurance.

Our Top 10 Company Picks: Cheap Missouri Auto Insurance

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#1 – State Farm: Top Overall Pick

Pros

• Extensive Network of Agents: It has large network of local agents who can provide personalized service and tailored insurance solutions. This is beneficial for those looking for guidance on finding cheap Missouri auto insurance with a personal touch.
• Discounts for Safe Driving: They offers discounts for safe driving and maintaining a clean driving record, which can help lower your premiums. If you’re aiming for cheap Missouri auto insurance, a good driving record can significantly reduce costs. Access comprehensive insights into our guide “State Farm Auto Insurance Review.”
• Strong Customer Service: The company is known for responsive and helpful customer service. This support is crucial for managing and understanding cheap Missouri auto insurance options effectively.

Cons

• Higher Rates for Certain Drivers: Their rates can be higher for drivers with poor credit or a history of accidents, potentially making it less affordable for high-risk individuals. This may impact your search for cheap Missouri auto insurance if you fall into these categories.
• Limited Online Tools: The online tools and resources offered may not be as advanced as those of some competitors, which could make managing your policy and claims less convenient.

#2 – Geico: Best for Cheap Rates

Pros

• Competitive Rates: It is known for offering some of the lowest rates in the industry, which is ideal for budget-conscious consumers seeking cheap Missouri auto insurance. If you want to learn more about the company, head to our guide “Geico Auto Insurance Review.”
• Easy Online Management: Their user-friendly website and mobile app make it easy to manage your policy, pay bills, and file claims. This convenience is beneficial for efficiently handling cheap Missouri auto insurance.
• Wide Range of Discounts: They provides numerous discounts, including for good students, military personnel, and federal employees. These discounts can further lower your costs when seeking cheap Missouri auto insurance.

Cons

• Limited Personalized Service: It’s primarily online and call-center-based service may lack the personal touch of local agents. This could be a drawback if you prefer in-person assistance while looking for cheap Missouri auto insurance.
• Potentially Limited Coverage Options: Some specialized coverage options might not be as extensive, potentially limiting choices for those seeking comprehensive cheap Missouri auto insurance.

#3 – Progressive: Best for Qualifying Coverage

Pros

• Snapshot Program: Progressive’s Snapshot program can lower rates based on your driving behavior, which is advantageous for those with good driving habits seeking cheap Missouri auto insurance.
• Variety of Coverage Options: Offers extensive coverage options and add-ons, including unique features like pet injury protection. This variety helps in finding affordable, tailored coverage for cheap Missouri auto insurance.
• Competitive Pricing: Known for competitive pricing, this is beneficial if you’re looking for cheap Missouri auto insurance with broad coverage. More information is available about this provider in our guide “Progressive Auto Insurance Review.”

Cons

• Price Increases for High-Risk Drivers: Rates may rise significantly for drivers with a history of accidents or violations, which could negate some of the savings for cheap Missouri auto insurance.
• Customer Service Variability: The quality of customer service can vary, potentially leading to inconsistent experiences with claims and support. This variability might be a concern when managing cheap Missouri auto insurance.

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#4 – American Family: Best for Costco Members

Pros

• Strong Local Agent Network: Access to knowledgeable local agents provides personalized service and tailored recommendations. This can be particularly helpful when searching for cheap Missouri auto insurance.
• Discounts for Bundling: Significant savings are available when bundling auto insurance with home or other policies. This bundling is easier to secure cheap Missouri auto insurance. Read more on the American Family insurance auto insurance review.
• Innovative Technology: Features tools like the MyAmFam app for efficient policy and claims management. This technological convenience helps in managing cheap Missouri auto insurance effectively.

Cons

• Higher Premiums for Some Drivers: Premiums may be higher for drivers with less-than-perfect records, which could affect affordability for cheap Missouri auto insurance.
• Limited Availability: Insurance coverage might not be available in all states, which can restrict options if you’re seeking cheap Missouri auto insurance.

#5 – Travelers: Best for Bundling Policies

Pros

• Bundle Discounts: Travelers offers substantial savings when bundling auto insurance with other types of coverage, making it easier to achieve cheap Missouri auto insurance with a comprehensive approach.
• Strong Financial Stability: Known for its solid financial standing, Travelers ensures reliable claims handling and long-term coverage stability. This reliability is crucial for maintaining cheap Missouri auto insurance.
• 24/7 Customer Service: Provides round-the-clock support for managing policies and filing claims. This continuous support is valuable for handling cheap Missouri auto insurance effectively at any time. Learn more on Travelers auto insurance review.

Cons

• Higher Rates for Some: Rates can be higher for drivers with certain risk profiles, which might impact your search for cheap Missouri auto insurance if you fall into these categories.
• Complex Policy Options: The extensive range of options and endorsements can be overwhelming and may complicate the process of finding the right cheap Missouri auto insurance.

#6 – Liberty Mutual: Best for Customizable Policies

Pros

• Customizable Coverage: Offers a range of customizable coverage options that suit different needs while maintaining affordability for cheap Missouri auto insurance. Check out insurance savings in our complete “Liberty Mutual Auto Insurance Review.”
• Accident Forgiveness: Provides programs that prevent rate increases after a first accident, which can help keep premiums lower over time. This is particularly beneficial for maintaining cheap Missouri auto insurance.
• Online and Mobile Tools: Comprehensive tools for managing policies and claims online make it easier to handle cheap Missouri auto insurance efficiently.

Cons

• Higher Premiums for Some Drivers: Premiums might be higher for certain drivers, particularly those with poor credit or a history of accidents. This can impact the affordability of cheap Missouri auto insurance.
• Mixed Customer Service Reviews: The quality of customer service can vary, potentially leading to inconsistent experiences with claims and support. This variability might affect your experience with cheap Missouri auto insurance.

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#7 – Farmers: Best for Signal App

Pros

• Extensive Coverage Options: Offers a broad range of coverage options and add-ons, which allows for customization to meet different needs. This range helps in finding affordable options for cheap Missouri auto insurance.
• Discounts for Safe Driving: Provides discounts for maintaining a safe driving record and having various safety features, which can help reduce premiums for cheap Missouri auto insurance.
• Flexible Payment Options: Offers various payment options and discounts for paying in full, which can make managing cheap Missouri auto insurance more manageable. Learn more in our guide “Farmers Auto Insurance Review.”

Cons

• Higher Rates for Certain Drivers: Premiums can be higher, especially for drivers with less-than-ideal records. This can make it challenging to find cheap Missouri auto insurance if you fall into these categories.
• Complex Policy Details: The range of coverage options and endorsements can be complex and confusing, which might make it difficult to navigate and find cheap Missouri auto insurance.

#8 – Allstate: Best for Infrequent Drivers

Pros

• Wide Range of Discounts: Provides a variety of discounts, including for safe driving, multiple policies, and new car purchases. These discounts can help make cheap Missouri auto insurance more affordable. Discover more about offerings in Allstate auto insurance review.
• Customizable Coverage: Offers extensive options for customizing coverage to fit individual needs, which can help in finding a policy that is both comprehensive and affordable for cheap Missouri auto insurance.
• Local Agent Network: Access to a large network of local agents for personalized service and support. This is helpful for finding and managing cheap Missouri auto insurance with expert assistance.

Cons

• Higher Premiums for Some Drivers: Rates may be higher compared to some competitors, especially for drivers with poor credit or a history of accidents. This could affect the cost of cheap Missouri auto insurance.
• Inconsistent Customer Service: Customer service experiences can vary, with some reports of slow response times and issues with claims handling, which could impact your experience with cheap Missouri auto insurance.

#9 – Erie: Best for Filing Claims

Pros

• Competitive Pricing: Offers competitive rates that are often lower than those of major competitors. This makes Erie a strong contender for cheap Missouri auto insurance.
• Excellent Customer Service: Known for high levels of customer satisfaction and responsive service. This high service level is beneficial for effectively managing cheap Missouri auto insurance.
• Strong Coverage Options: Provides a range of coverage options and unique features, such as pet coverage, which can be tailored to fit affordable plans for cheap Missouri auto insurance. See more details on Erie auto insurance review.

Cons

• Limited National Presence: Coverage may not be available in all states, which could limit options for those looking for cheap Missouri auto insurance if Erie does not operate in your area.
• Less Robust Online Tools: Online tools and resources might not be as advanced as those of larger national insurers, potentially affecting the management of cheap Missouri auto insurance.

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#10 – Amica: Best for Dividend Payments

Pros

• High Customer Satisfaction: Consistently receives high marks for customer satisfaction and service, making it a reliable choice for managing cheap Missouri auto insurance.
• Flexible Coverage Options: Provides a range of customizable coverage options and endorsements, which allows you to tailor your policy while maintaining affordability for cheap Missouri auto insurance. Read more on compare auto insurance quotes.
• Strong Financial Stability: Known for its financial strength, ensuring reliable claims handling and long-term coverage. This stability is important for managing cheap Missouri auto insurance with confidence.

Cons

• Higher Premiums for Some: Premiums may be higher compared to other providers, particularly for high-risk drivers, which can affect the affordability of cheap Missouri auto insurance.
• Limited Local Agent Network: Primarily operates online and through call centers, which may lack the personal touch of local agents and potentially impact the search for cheap Missouri auto insurance.

Auto Insurance Requirements and Laws in Missouri

In Missouri, there are three ways that you demonstrate proof of financial responsibility to the Department of Revenue. You can leave a deposit of $60,000, purchase liability insurance, or file a real estate bond.

When purchasing auto insurance in Missouri, you must meet the minimum requirements.

Missouri Auto Insurance Monthly Rates by Coverage Level & Provider

There are two categories of minimum requirements of coverage that you have to comply with, which are bodily injury liability and property damage liability.

For all of these, the state declares that you have to purchase at least a certain amount of insurance, but it is not always recommended that you only get the minimum amount of coverage.

In many cases, it is wiser to buy more than what they suggest protecting your assets.

First of all, the state requires that you purchase a minimum of $25,000 in liability for bodily injury per person and $50,000 per incident.

This pays for injuries to the other driver, passengers, and even pedestrians in the event that you are at fault in an accident.

You are also required to purchase a minimum amount of property damage liability to pay for damage to the other vehicle or other property when you are at fault in the accident.

The state of Missouri only requires that you cover a minimum of $10,000 for property damage. This minimum is often time’s not enough, however.

To protect yourself against uninsured drivers, the state also requires $25,000 in coverage per person and $50,000 per accident in uninsured motorist coverage.

This pays for damages done when the other driver does not have insurance.

Missouri Auto Insurance Rates

While the monthly rate of auto insurance in the United States is $120, Missouri’s monthly is $30.

This is not the same for the rates in major cities, however. In Kansas City, the average cost for auto insurance is about the same as the monthly, at about $120.

Once again, looking at the metropolitan makeup of Kansas City, this rate is rather inexpensive when considering the potential amount of damages due to the fact that the city is so densely populated.

There are a lot of factors that Missouri auto insurance providers take into consideration when determining your rates. Take a look at our overview here. Enter your ZIP code.

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Missouri Auto Insurance Rates by Company

Though the state boasts very cheap auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

The largest companies, holding the most market share percentage in the region, often influence the average cost of car insurance.

Missouri Accident Statistics

It’s also important to remember that the road is a very dangerous place, and many accidents occur over the course of a year. In 2009 alone, there were 75,264 accidents in Missouri, of which 20,178 inflicted injury and 577 were fatal.

Getting into an accident without insurance can put you in an even worse position in addition to the accident, as it adds the burden of financial responsibility.

That’s why buying insurance is required beforehand – it eliminates the worry of paying for the accident and puts all the focus on the damages at hand.

Ready to find affordable Missouri auto insurance? Compare Missouri auto insurance rates from top companies by entering your ZIP code below right now.

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