Good news for Missouri drivers: Jerry’s latest data shows that liability coverage in the Show-Me State averages about $340 per month. Missouri’s mix of four-season weather, high-speed rural highways and growing urban claim activity all influence pricing, which is why rates vary widely between drivers across the state. Over the past year we’ve helped 8,934 Missourians lower their premiums, and those who switch with Jerry save an average of $126 each year without sacrificing important protection.
Jerry compares quotes from up to 8 trusted insurers in Missouri to build your policy and help you secure your best price in minutes.
Save on Missouri insurance with Jerry
What Missouri drivers are paying right now
Auto insurance costs in Missouri shift more than many drivers expect. Urban areas like St. Louis and Kansas City face higher theft and accident rates, while rural counties see more severe crashes and deer-collision claims. Even two drivers with the same car and clean record can end up with very different premiums depending on where they live, how often they commute and which insurer evaluates their risk.
Jerry tracks live quotes across Missouri to show you what drivers are actually paying today. Below are recent full coverage policies purchased through Jerry and what those drivers paid.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Give your rates a periodic check. In Missouri, everything from storm season to small driving-profile shifts can move your premium by renewal.
4 easy ways Jerry helps Missouri drivers save on car insurance
Lowering your Missouri car insurance bill isn’t just about finding the lowest price. True savings come from understanding what drives your rate and knowing which factors you can adjust safely.
Jerry compares real offers, uncovers discounts you may not know you qualify for and shows you exactly where you can cut costs without weakening your protection.
Here are our top tips to help you spend less and worry less.
| How to save | Average Missouri driver savings |
|---|---|
| Compare quotes | 40% to 63% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Avoid a coverage lapse | 16% |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Missouri’s insurance prices vary widely because risk varies widely. The state sees everything from hail and tornadoes to dense commuter traffic near St. Louis and long rural stretches where crashes tend to be more severe. Insurers weigh these risks differently, which is why two companies can quote dramatically different prices for the same driver.
Comparing quotes side by side with Jerry is the fastest way to avoid overpaying.
Here’s where Missouri drivers who saved most often switched after checking their rates with Jerry:
| Insurance carrier | Missouri drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 50% | 43% |
| Bristol West | 13% | 26% |
| Clearcover | 13% | 23% |
| Safeco | 13% | 14% |
| Gainsco | 6% | 34% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Drivers in Kansas City, along I-70 or in Springfield often face higher claim frequency than those in quieter counties like Camden or Howell. Jerry shows you those price differences instantly so you can choose the best value.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Missouri drivers qualify for several discounts, like safe-driver savings, multi-policy bundles, paperless billing, good-student incentives and anti-theft discounts (especially helpful in St. Louis, which sees elevated auto theft rates). But insurers don’t always apply every discount automatically.
Jerry identifies the discounts you qualify for so they don’t get missed.
Key takeaway: Combined discounts often deliver bigger savings than adjusting your deductible alone.
Jerry Agent Tip 3: Pick the right deductible
Choosing the right deductible is one of the easiest ways to influence your premium. Missouri drivers face everything from hailstorms to deer strikes to slick winter roads, so your deductible should be something you can comfortably cover after a claim.
Here’s what Jerry drivers are choosing for their deductibles:
To find your ideal deductible:
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Check your vehicle’s current value (Jerry updates this monthly).
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Choose an out-of-pocket number you can realistically cover.
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Compare real-time pricing across multiple deductible levels.
The Jerry difference: Jerry displays real-time savings across multiple deductible options so you can choose the right balance of cost and protection.
Jerry Agent Tip 4: Avoid a lapse in coverage
In Missouri, even a short lapse in coverage can follow you for years. Jerry data shows that drivers who let their insurance expire (even briefly) see premiums rise by 16% on average when they restart a policy. The simplest way to avoid that penalty is choosing coverage you can comfortably maintain month after month.
Jerry helps you compare real-time prices across multiple coverage options so you can choose a policy that fits your budget and prevents costly gaps. Once you’re covered, we automatically re-shop your policy to keep your price competitive.
Get personalized car insurance rates now
How to get better coverage without overpaying
Missouri requires 25/50/25 liability plus uninsured motorist coverage, but many drivers choose higher limits or additional protections based on their commute, vehicle and budget. Here are the coverage tiers you’ll see when shopping:
Minimum
$74 – $171/mo
Meets state requirements but won’t protect your own vehicle.
Preferred
$194 – $402/mo
Higher liability limits, lower deductibles and extras like towing or rental reimbursement mean better protection.
Key takeaway: Start with your comfort around risk and your car’s value. Jerry shows real-time prices for each tier so you can choose confidently.
Missouri’s cheapest option is liability-only, but adding comprehensive or collision may be well worth it in a state with hail, deer collisions and unpredictable storm seasons.
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Coverage definitions
Missouri insurance factors at a glance
Driving in Missouri exposes you to a mix of urban congestion, rural highways and volatile weather, all of which influence your premium. Insurers price coverage based on real claim patterns, and Missouri has plenty that stand out.
Hail and storm losses
Missouri sits in “Hail Alley,” making comprehensive coverage valuable.
Urban claim frequency
St. Louis and Kansas City experience higher crash and theft rates, making a strong argument for collision coverage.
Deer collisions
Wildlife strikes increase sharply in fall, especially in rural counties. (Another vote for comprehensive).
Uninsured drivers
Nearly 21% of Missouri drivers are uninsured, making UM/UIM key.
Missouri Insurance After a Ticket, Accident or SR-22
Jerry ensures one mistake doesn’t define your insurance rate for years. We partner with insurers that take a fuller view of your profile and automatically re-shop your policy as your record improves.
If you got a ticket
Missouri adds points to your record for speeding, texting while driving and other violations. Too many points can trigger surcharges or license consequences, and even a single ticket can raise your premium for several renewal cycles. Completing a state-approved driver improvement program may help reduce the damage.
Plus, once the violation clears, Jerry automatically shops for lower rates.
Here are the average rate increases we’ve seen for Missouri drivers after a ticket:
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Speeding under 15: 5%
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Speeding over 15: 10%
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Failure to obey traffic sign: 8%
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Reckless driving: 60%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
Missouri is an at-fault state, so the driver responsible for the crash pays for damages. An at-fault accident raises premiums by 27% on average, often for three to five years. Jerry finds your best available price immediately and re-shops your policy once the accident falls off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $392 |
| At Fault With Injury | $399 |
| At Fault With No Injury | $439 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Missouri brings steep penalties and one of the largest insurance surcharges most drivers will ever face. Expect your premium to rise by an average of -18%, with elevated rates lasting several years.
Some insurers still offer more reasonable high-risk pricing. Jerry identifies those carriers and re-shops your coverage as your record improves.
Here are the five cheapest insurers for Missouri drivers with DUIs:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $232 | Yes | |
| $256 | Yes | |
| $266 | Yes | |
| $284 | Yes | |
| $294 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Missouri
Missouri may require an SR-22 after certain violations, uninsured crashes or suspensions. Select the SR-22 option in the Jerry app to see only insurers that file them. Most carriers charge about $25 per year for the paperwork.
Average rates in Missouri by credit score
Missouri allows insurers to use credit-based insurance scores when setting rates, but credit is only one factor among many. A clean driving record, continuous coverage and the right deductible often influence your price even more. Jerry helps you compare quotes instantly so you can find the insurer that treats your credit most fairly.
Average rates in Missouri by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Missouri’s mix of storm activity, rural highways and urban congestion means there’s no single cheapest policy for everyone. The right coverage is the one that protects you based on how and where you actually drive.
Jerry makes it easy to compare real rates, customize your protection and automatically re-shop your coverage whenever your price can improve.
Get Missouri coverage in as little as 2 minutes
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.
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
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
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.
