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Last Updated on January 2, 2026
Missouri auto insurance rates are usually close to the national middle—neither bargain-basement nor sky-high. In recent statewide estimates, full coverage in Missouri averages around $2,400–$2,500 per year, while minimum coverage averages roughly $600–$700 per year. Your exact price will depend heavily on your ZIP code (Kansas City and St. Louis often run higher than rural areas), driving history, vehicle, coverage limits, deductibles, and credit-based insurance score.
The good news: most drivers can lower their premium by comparing quotes, tightening up coverage (without underinsuring), and stacking discounts. Below are insurers that tend to be strong options in Missouri—plus the state’s minimum requirements and what happens if you drive uninsured.
“Best” depends on what you value most—lowest price, local agents, digital tools, claims satisfaction, bundling, or special eligibility. The companies below are commonly competitive in Missouri, and they’re a solid starting point when you’re shopping.
For drivers who like a local, member-focused insurer, Missouri Farm Bureau is a popular choice across the state. It can be especially competitive for rural drivers and for customers who prefer working with nearby agents.
| Missouri Farm Bureau | |
|---|---|
| Company Address | 701 S. Country Club Drive P.O. Box 658 Jefferson City, Missouri 65102 |
| Phone Number | 1-800-922-4632 |
| Website URL | https://www.mofbinsurance.com/ |
If you qualify for USAA (military members, veterans, and eligible family), it’s often one of the best values for price plus service. It can be a top option for full coverage, especially for households that want strong customer support.
| USAA | |
|---|---|
| Company Address | 9800 Fredericksburg Road San Antonio, TX 78288 |
| Phone Number | 1-210-531-USAA |
| Website URL | http://www.usaa.com/ |
Safeco (a Liberty Mutual company) can be a strong contender in Missouri depending on your driver profile. It’s worth quoting if you want a national carrier with a broad menu of coverages and discount opportunities.
| Safeco Insurance | |
|---|---|
| Company Address | 175 Berkeley Street, Boston, MA 02116 |
| Phone Number | 1-800-332-3226 |
| Website URL | https://www.safeco.com/ |
State Farm is the largest property and casualty insurer in the U.S., known for its huge agent network. It’s often a good fit for drivers who prefer in-person service, plus it can be competitive for families bundling multiple vehicles and policies.
| State Farm | |
|---|---|
| Company Address | 1 State Farm Plaza Bloomington, IL 61701 |
| Phone Number | 1-309-766-2311 |
| Website URL | https://www.statefarm.com/ |
American Family Insurance (AmFam) can be a smart quote for Missouri drivers looking for a balance of coverage options, discounts, and agent support. Pricing varies widely by location and driver details, so it’s best evaluated with a personalized quote.
| American Family | |
|---|---|
| Company Address | 6000 American Parkway Madison, WI 53783 |
| Phone Number | 1-800-692-6326 |
| Website URL | https://www.amfam.com/ |
Progressive is frequently competitive for drivers who like online tools, easy quote comparisons, and flexible coverage choices. It can be especially useful to quote if your rates jumped recently or you’re shopping after a ticket or accident.
| Progressive | |
|---|---|
| Company Address | 6300 Wilson Mills Road Mayfield Village, OH 44143 |
| Phone Number | 1-800-776-4737 |
| Website URL | https://www.progressive.com/ |
Shelter is a regional insurer with a strong presence in Missouri and surrounding states. It’s often well-reviewed for customer experience and can be particularly appealing if you want a more relationship-based, agent-driven approach.
| Shelter Insurance | |
|---|---|
| Company Address | 1817 W. Broadway Columbia, MO 65218 |
| Phone Number | 1-800-743-5837 |
| Website URL | https://www.shelterinsurance.com/ |
Allstate can be a good quote for drivers who want a large carrier with lots of coverage add-ons and local agents. It’s especially worth checking if you can bundle auto with home or renters for a discount.
| Allstate | |
|---|---|
| Company Address | 2775 Sanders Road Northbrook, IL 60062 |
| Phone Number | 1-800-255-7828 |
| Website URL | https://www.allstate.com/ |
Nationwide is often most attractive when you can stack discounts—especially bundling auto with home/renters and adding multiple vehicles. If you already have another policy with Nationwide, it’s worth getting an updated quote before switching.
| Nationwide | |
|---|---|
| Company Address | One Nationwide Plaza Columbus, OH 43215 |
| Phone Number | 1-877-669-6877 |
| Website URL | https://www.nationwide.com/ |
Liberty Mutual offers a wide range of coverage options and discount programs. It may price higher for some drivers, but for others—especially those with strong discount eligibility—it can be surprisingly competitive.
| Liberty Mutual | |
|---|---|
| Company Address | 75 Berkeley Street Boston, MA 02116 |
| Phone Number | 1-888-398-8924 |
| Website URL | https://www.libertymutual.com/ |
Missouri requires drivers to carry liability coverage plus uninsured motorist bodily injury coverage. At a minimum, your policy must include:
These minimums may not go very far in a serious crash. Many drivers choose higher limits because medical bills and lawsuits can exceed the minimum quickly—especially if multiple people are injured.
Missouri doesn’t require comprehensive coverage or collision coverage, but lenders and leasing companies usually do. Even without a loan, full coverage can be worth it if your vehicle would be expensive to repair or replace.
Insurers price policies differently, but most consider the same core factors:
Most savings come from a few repeatable moves:
Missouri law requires you to carry insurance and to keep proof of insurance available. If you’re stopped and can’t show proof, you can be cited—and a conviction can lead to serious consequences.
In Missouri, a conviction for failing to show proof of insurance can result in four points on your driving record and may lead to court-ordered supervision or a license suspension depending on the situation. Missouri’s Department of Revenue also notes that repeat insurance-related suspensions can trigger longer suspension periods and higher reinstatement fees.
If you’re dealing with an insurance-related suspension (or trying to avoid one), don’t let your policy lapse—gaps in coverage can raise premiums and create reinstatement headaches. Here’s what to know: What if my car insurance lapses?
If your record isn’t perfect, don’t assume you’re stuck with one expensive option. Different insurers penalize violations differently, which is why comparison shopping matters even more.
Many insurers surcharge DUI convictions heavily, but some are more forgiving than others. Start by getting fresh quotes from several major carriers and at least one regional insurer. Also consider adjusting deductibles and reviewing optional coverages to keep costs under control.
An at-fault accident can raise premiums, but the impact varies widely by company. If you carry (or can add) accident forgiveness, your rate increase may be smaller after a first accident—depending on the insurer’s rules and your eligibility.
Some companies barely react to one minor ticket; others increase rates quickly. If you’re worried about the impact of a citation, review what typically happens after a first violation: How much will a speeding ticket increase your rates?
Teen and young adult drivers usually pay the highest premiums because they have less driving experience and higher claim frequency. The best strategy is to quote widely, use every discount available (good student, driver training, telematics), and consider staying on a family policy when it makes sense.
If you’re trying to find the lowest-priced path for a teen or 20-something driver, this guide breaks down common strategies and where to look: Cheapest car insurance for young drivers.
If your credit is less-than-great, you may see higher premiums in Missouri. The key is to shop more aggressively and focus on insurers that price your profile more favorably. Improving credit over time, avoiding lapses, and keeping a clean driving record can help lower costs at renewal.
An SR-22 isn’t a type of insurance—it’s a state filing that proves you carry the required liability coverage. Missouri may require an SR-22 after serious violations or insurance-related suspensions. Not every insurer files SR-22s, and rates often rise because you’re considered higher risk.
If you need one, start with companies that regularly handle these filings and compare multiple quotes. This guide can help you get oriented: Is it possible to find cheap SR-22 insurance?
Missouri is typically a mid-priced state for car insurance, but your personal rate can still swing widely based on where you live and your driver profile. The best approach is simple: compare quotes from several insurers, pick liability limits that actually protect you, and use discounts strategically.
