Key Takeaways
- Aspen, Clearcover, National General and Progressive offer some of the cheapest car insurance in Missouri.
- The average cost of minimum coverage in Missouri is around $130 per month.
- Compare quotes from multiple insurers to find cheap car insurance in Missouri.
You may get cheap car insurance in Missouri from companies like Aspen, Clearcover, National General and Progressive. These insurers are among the most affordable in the state, according to real policy quotes for Jerry customers.
Here are more cheap options in Missouri for both minimum and full coverage, plus by age, driving history and credit score.
To find the best car insurance in Missouri, compare car insurance quotes from multiple insurers.
Cheap liability car insurance in Missouri
Here are the most affordable auto insurance companies in Missouri for minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $63 | $751 |
| Progressive | $78 | $933 |
| Geico | $82 | $989 |
| National General | $99 | $1,183 |
| Electric | $106 | $1,266 |
| Bristol West | $107 | $1,290 |
| Commonwealth Insurance | $109 | $1,311 |
| ROOT | $111 | $1,334 |
| Mercury | $125 | $1,495 |
| Clearcover | $132 | $1,585 |
Minimum car insurance requirements in Missouri
Drivers in Missouri are legally required to carry these minimum liability limits:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
- $25,000 in uninsured motorist bodily injury per person
- $50,000 in uninsured motorist bodily injury per accident.
Cheap full coverage car insurance in Missouri
Here are the most affordable insurers in Missouri for full coverage policies, according to real quotes for Jerry customers.
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Insurance Company
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Avg Monthly Quote
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Avg Annual Quote
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|---|
|
Insurance Company
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Avg Monthly Quote
|
Avg Annual Quote
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|---|---|---|
| Aspire Advantage | $151 | $1,810 |
| Anchor General | $167 | $2,006 |
| Safeco | $176 | $2,107 |
| ROOT | $199 | $2,387 |
| Assurance America | $204 | $2,443 |
| Progressive | $206 | $2,474 |
| National General | $226 | $2,709 |
| Geico | $233 | $2,795 |
| Clearcover | $246 | $2,950 |
| Mercury | $253 | $3,038 |
If you have a loan or lease on your vehicle, the lender will require
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Average car insurance costs for young drivers in Missouri
Below are the average costs of car insurance in Missouri for drivers between 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $419 | $5,024 |
| 21-24 | $306 | $3,670 |
| $176 | $2,107 | |
| $199 | $2,387 | |
| $204 | $2,443 | |
| $206 | $2,474 | |
| $226 | $2,709 | |
| $233 | $2,795 | |
| $246 | $2,950 | |
| $253 | $3,038 |
Cheap liability car insurance in Missouri for a 20-year-old
These are the cheapest car insurance companies in Missouri for 20-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $126 | $1,511 |
| Geico | $152 | $1,829 |
| National General | $170 | $2,038 |
| Bristol West | $178 | $2,132 |
| Clearcover | $188 | $2,251 |
| Progressive | $206 | $2,474 |
| National General | $226 | $2,709 |
| Geico | $233 | $2,795 |
| Clearcover | $246 | $2,950 |
| Mercury | $253 | $3,038 |
Cheap full coverage in Missouri for a 20-year-old
Here are the most affordable insurers in Missouri for 20-year-olds with full coverage policies, according to real quotes for Jerry customers.
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Insurance Company
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Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $322 | $3,870 |
| National General | $423 | $5,078 |
| Geico | $427 | $5,123 |
| Clearcover | $432 | $5,180 |
| Bristol West | $455 | $5,458 |
| Progressive | $206 | $2,474 |
| National General | $226 | $2,709 |
| Geico | $233 | $2,795 |
| Clearcover | $246 | $2,950 |
| Mercury | $253 | $3,038 |
Average auto insurance costs for mature drivers in Missouri (25-54)
Below are the average costs of car insurance for drivers in Missouri between the ages of 25 and 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $259 | $3,108 |
| 35-44 | $199 | $2,391 |
| 45-54 | $187 | $2,250 |
| $432 | $5,180 | |
| $455 | $5,458 | |
| $206 | $2,474 | |
| $226 | $2,709 | |
| $233 | $2,795 | |
| $246 | $2,950 | |
| $253 | $3,038 |
Cheapest liability car insurance in Missouri for a 35-year-old
These are the cheapest car insurance companies in Missouri for 35-year-olds with minimum coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $59 | $703 |
| Safeco | $68 | $814 |
| Mercury | $69 | $828 |
| Geico | $79 | $948 |
| Progressive | $80 | $964 |
| Progressive | $206 | $2,474 |
| National General | $226 | $2,709 |
| Geico | $233 | $2,795 |
| Clearcover | $246 | $2,950 |
| Mercury | $253 | $3,038 |
Cheapest full coverage in Missouri for a 35-year-old
These are the cheapest car insurance companies in Missouri for 35-year-olds with full coverage, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Mercury | $128 | $1,538 |
| Aspire Advantage | $151 | $1,810 |
| Anchor General | $167 | $2,006 |
| Safeco | $203 | $2,436 |
| Geico | $217 | $2,605 |
| Progressive | $206 | $2,474 |
| National General | $226 | $2,709 |
| Geico | $233 | $2,795 |
| Clearcover | $246 | $2,950 |
| Mercury | $253 | $3,038 |
Average car insurance costs for older drivers in Missouri (55+)
Below are the average costs of car insurance for drivers in Missouri aged 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $173 | $2,071 |
| 65+ | $178 | $2,139 |
| 45-54 | $167 | $2,006 |
| $203 | $2,436 | |
| $217 | $2,605 | |
| $206 | $2,474 | |
| $226 | $2,709 | |
| $233 | $2,795 | |
| $246 | $2,950 | |
| $253 | $3,038 |
Cheapest liability car insurance in Missouri for a 65-year-old
Here are the most affordable insurers in Missouri for 65-year-olds with minimum coverage policies, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $61 | $728 |
| Safeco | $61 | $737 |
| Geico | $65 | $784 |
| National General | $69 | $832 |
| Clearcover | $88 | $1,060 |
| Progressive | $206 | $2,474 |
| National General | $226 | $2,709 |
| Geico | $233 | $2,795 |
| Clearcover | $246 | $2,950 |
| Mercury | $253 | $3,038 |
Cheapest full coverage in Missouri for a 65-year-old
Below are the cheapest auto insurers in Missouri for 65-year-olds with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $148 | $1,778 |
| National General | $149 | $1,784 |
| Geico | $154 | $1,845 |
| Safeco | $158 | $1,897 |
| Gainsco | $204 | $2,451 |
| Progressive | $206 | $2,474 |
| National General | $226 | $2,709 |
| Geico | $233 | $2,795 |
| Clearcover | $246 | $2,950 |
| Mercury | $253 | $3,038 |
Cheapest car insurance in Missouri by driving history
Your driving history affects how much you pay for an auto insurance policy. If you have a clean record, you’ll likely pay less than a driver with a violation like a speeding ticket or at-fault accident.
Cheap car insurance for drivers with clean records in Missouri
Here are the most affordable insurers in Missouri for those with clean driving records, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $89 | $1,072 |
| Anchor General | $130 | $1,555 |
| Bluefire | $141 | $1,696 |
| Safeco | $151 | $1,807 |
| ROOT | $169 | $2,029 |
| Progressive | $206 | $2,474 |
| National General | $226 | $2,709 |
| Geico | $233 | $2,795 |
| Clearcover | $246 | $2,950 |
| Mercury | $253 | $3,038 |
Cheapest car insurance with a speeding ticket in Missouri
These are the cheapest car insurance companies in Missouri for drivers with a speeding ticket, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $196 | $2,350 |
| Safeco | $224 | $2,692 |
| Gainsco | $301 | $3,613 |
| Assurance America | $303 | $3,630 |
| National General | $309 | $3,712 |
| Progressive | $206 | $2,474 |
| National General | $226 | $2,709 |
| Geico | $233 | $2,795 |
| Clearcover | $246 | $2,950 |
| Mercury | $253 | $3,038 |
Cheapest car insurance after an at-fault accident with no injury in Missouri
Below are the cheapest auto insurers in Missouri for people with an at-fault accident with no injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $47 | $561 |
| Trexis | $142 | $1,702 |
| Progressive | $224 | $2,691 |
| Mendota | $237 | $2,849 |
| Safeco | $250 | $3,005 |
| Progressive | $206 | $2,474 |
| National General | $226 | $2,709 |
| Geico | $233 | $2,795 |
| Clearcover | $246 | $2,950 |
| Mercury | $253 | $3,038 |
Cheapest auto insurance after an at-fault accident with injury in Missouri
Below are the cheapest auto insurers in Missouri for people with an at-fault accident with injury on their driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $242 | $2,901 |
| The General | $254 | $3,046 |
| Bristol West | $289 | $3,473 |
| National General | $291 | $3,489 |
| Safeco | $354 | $4,250 |
| Progressive | $206 | $2,474 |
| National General | $226 | $2,709 |
| Geico | $233 | $2,795 |
| Clearcover | $246 | $2,950 |
| Mercury | $253 | $3,038 |
Cheapest car insurance with a DUI in Missouri
These are the cheapest car insurance companies in Missouri for drivers with a DUI, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Progressive | $202 | $2,430 |
| National General | $219 | $2,626 |
| Clearcover | $255 | $3,059 |
| Gainsco | $288 | $3,456 |
| Bristol West | $317 | $3,801 |
| Progressive | $206 | $2,474 |
| National General | $226 | $2,709 |
| Geico | $233 | $2,795 |
| Clearcover | $246 | $2,950 |
| Mercury | $253 | $3,038 |
Average auto insurance costs for Missouri drivers with other violations
Below are average car insurance costs in Missouri for other driving violations.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $366 | $4,392 |
| Defective Equipment | $74 | $884 |
| Driving on Sus. License | $208 | $2,499 |
| Failure to Obey Traffic Sign | $276 | $3,316 |
| Homicide | $285 | $3,422 |
| Illegal Turn | $305 | $3,666 |
| Improper Passing | $229 | $2,749 |
| Open Container | $475 | $5,700 |
| Other | $352 | $4,228 |
| Passing School Bus | $250 | $3,002 |
| Suspension | $312 | $3,743 |
| Wrong Way/Wrong Lane | $192 | $2,299 |
Cheapest auto insurance for low credit scores in Missouri
Drivers in Missouri with low credit scores typically pay more for car insurance than those with higher scores. These are the cheapest car insurance companies in Missouri for drivers with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $159 | $1,904 |
| Progressive | $196 | $2,355 |
| Safeco | $247 | $2,962 |
| Commonwealth Insurance | $253 | $3,035 |
| Gainsco | $263 | $3,155 |
| Progressive | $305 | $3,666 |
| National General | $229 | $2,749 |
| Geico | $475 | $5,700 |
| Clearcover | $352 | $4,228 |
| Mercury | $250 | $3,002 |
| $312 | $3,743 | |
| $192 | $2,299 |
Learn more: How credit-based insurance scores works
How to find cheap car insurance in Missouri
Compare quotes from multiple insurers to find the cheapest car insurance policy. Your current insurer may have been the most affordable when you bought your policy, but you can’t be certain unless you compare rates at least once a year.
You can also try these tips to lower your auto insurance costs:
- Ask your insurer about discounts you qualify for.
- Install a telematics app on your phone.
- Improve your credit score.
- Pay your policy in full.
- Bundle your home and car insurance policies with the same company.
More: Best car insurance companies
Factors that affect car insurance costs in Missouri
How much you pay for coverage depends on a variety of factors, including your:
- ZIP code.
- Driving history.
- Vehicle’s year, make, and model.
- Claims history.
- Car usage and miles driven.
- Deductible amount.
More: How car insurance rates are calculated
Cheapest car insurance data methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
On this page
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
