Car insurance isn't all that expensive in Missouri — in fact, premiums average $869 per year, below the US national average of $935 per year according to the Insurance Information Institute. Even though it's affordable, there's still one big way to save: shopping around.
Car insurance companies price your premium based on a variety of factors. Car insurance companies consider your location, age, gender, and driving record to calculate rates for premiums. Other factors like credit score, marital status, vehicle type, previous coverage, and miles driven can all play a role in the amount you'll pay for coverage. That said, it's important to get quotes from many different insurance companies and compare them to get the best deal for you before deciding.
If you're looking to save on car insurance in Missouri, here are a few companies that offer competitive rates in this state to help start the search.
The most popular car insurance companies in Missouri based on market share
The following are the most popular car insurance companies in Missouri, based on the percentage of insured Missouri drivers who use them:
| Company | Market share (%) |
| State Farm | 20.73 |
| American Family | 12.54 |
| Progressive | 12.37 |
| GEICO | 7.76 |
| Liberty Mutual | 5.79 |
| Shelter Insurance | 5.40 |
| Farmers Insurance | 4.99 |
| Allstate | 4.63 |
| USAA* | 4.40 |
| Auto Club Exchange | 3.92 |
| Nationwide | 2.63 |
| Missouri Farm Bureau Insurance | 2.53 |
| Travelers | 2.22 |
| Auto-Owners Insurance | 1.09 |
| Grinnell Mutual | 0.81 |
| The Hartford | 0.80 |
| Cameron Mutual | 0.66 |
| COUNTRY Financial | 0.63 |
| Traders Insurance | 0.53 |
| Root Insurance | 0.51 |
*USAA is only for active military, veterans, and their families.
Data from S&P Global Market Intelligence
The best car insurance in Missouri based on customer satisfaction
Customer satisfaction with car insurance providers may factor into your decision. According to J.D. Power, a consumer research company that surveys customers, these are the top car insurance companies in the Central region (which includes Missouri):
The best cheap car insurance in Missouri based on credit score
Consumer Reports compiled pricing formulas from every insurance company in all 50 states. According to its data, credit scores play a big role in the cost of car insurance coverage. Here are the three most affordable car insurance companies in Missouri, along with the average cost of coverage for a single adult driver.
| Excellent credit (FICO 800+) | Good credit (FICO 670-739) | Poor credit (300-579) |
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The best car insurance for drivers with a clean record
For a driver in Missouri age 25 or older with no accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| Progressive | $196 |
| State Farm | $199 |
| Esurance | $204 |
| Allstate | $222 |
| Liberty Mutual | $231 |
| USAA* | $260 |
| MetLife | $297 |
*USAA is only for active military, veterans, and their families.
Above data obtained from Savvy, based on 1,910 policyholders in the state of Missouri
Best car insurance for one or more accidents on record
For a driver in Missouri age 25 or older, with one or more accidents and one vehicle, the following companies provide the best average rates:
| Company | Average monthly insurance premium |
| State Farm | $115 |
| Progressive | $229 |
| Esurance | $232 |
| Allstate | $270 |
| Bristol West | $284 |
| Farmers | $447 |
Above data obtained from Savvy, based on 1,910 policyholders in the state of Missouri
Missouri car insurance rates by city
Below is the estimated average annual premium of auto insurance policies per household in Missouri's most populous cities:
| City | Average annual insurance premium |
| Kansas City | $1,207 |
| St. Louis | $1,126 |
| Springfield | $1,096 |
| Columbia | $1,181 |
| Independence | $1,178 |
| Lee's Summit | $1,382 |
| O'Fallon | $1,409 |
| St. Joseph | $1,159 |
| St. Charles | $1,262 |
| St. Peters | $1,359 |
| Blue Springs | $1,320 |
| Florissant | $1,219 |
| Joplin | $1,131 |
| Chesterfield | $1,416 |
| Jefferson City | $1,210 |
| Wentzville | $1,429 |
| Cape Girardeau | $1,146 |
| Wildwood | $1,519 |
| Oakville | $1,359 |
| University City | $1,255 |
| Liberty | $1,321 |
| Ballwin | $1,393 |
| Raytown | $1,200 |
| Mehlville | $1,231 |
| Kirkwood | $1,369 |
| Maryland Heights | $1,263 |
| Gladstone | $1,199 |
| Grandview | $1,170 |
| Ferguson | $1,146 |
Data from S&P Global Market Intelligence
Who gets the best cheap car insurance in Missouri?
As the numbers show above, drivers with the best credit score will see the best price on car insurance. Raising your credit score could be one way to save. But, insurance companies price your premium based on several different factors, and it might pay to compare your coverage.
If you're willing to shop around you could save some money by comparing the quotes offered to you. Get four or five quotes, and look at the different coverage types and limits. You'll also want to look at the deductible, or the amount that you'll be responsible for out-of-pocket if you get into an accident.
Once you've found the policy with the most coverage and the lowest deductibles and premium, you've found the best policy for you.