Best Car Insurance in Missouri 2025 [Find the Top 10 Companies Here] Car Insurance Guide (Cheap Rates + Best Companies)

Discover the best car insurance in Missouri for 2025: Liberty Mutual, Farmers, and Travelers. Find out about the most recent rates, available coverage, and doable strategies to reduce your premiums for reasonably priced auto insurance in Missouri.

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Rachel Bodine

Insurance Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Insurance Feature Writer

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Feb 16, 2025

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Top Pick in Missouri: Liberty Mutual
4.3

Company Facts

Full Coverage in Missouri

$129/mo

A.M. Best Rating

A

Complaint Level

High

Pros & Cons

  • Available in every U.S. State
  • Multiple add-on coverages
  • Multi-policy discount
  • Higher average rates
  • Higher customer complaint ratio
Best Coverage in Missouri: Travelers
4.4

Company Facts

Full Coverage in Missouri

$135/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Competitive pricing for multi-policy discounts
  • Highly rated customer service and claims process
  • Nationwide availability with flexible policy options
  • Solid reputation for insuring high-risk drivers
  • Premium rates can increase without clear reason
  • Limited availability of local agents in certain regions
  • Slow response times reported by some customers

Best Car Insurance in Missouri 2025 [Find the Top 10 Companies Here]
Best Car Insurance in Missouri 2025 [Find the Top 10 Companies Here] Statistic Summary
Road Miles 131,549
Registered Vehicles 5,406,274
State Population 6,126,452
Percentage of
Uninsured Motorists
14
Driving Deaths Speeding: 346 Drunk Driving: 254
Average Premiums Annually
Liability: $399.41 Collision: $259.65 Comprehensive: $166.34
Cheapest Provider: USAA

Looking for the best car insurance in Missouri? Our top three picks—Liberty Mutual, Farmers, and Travelers—offer excellent coverage and competitive rates for Missouri drivers. From the scenic roads of Mark Twain National Forest to the Gateway Arch that celebrates America’s expansion into the West, the Show-Me State is filled with some wonderful things that everyone ought to see!

Traveling through Missouri isn’t always smooth, so it is essential to have the best car insurance in Missouri to stay protected on the road.

With Missouri ranking third in the nation for the worst drivers, according to SmartAsset.com, finding the right coverage is more important than ever.

We’ve compiled all the necessary information to assist you in selecting the best policy because we understand that navigating the auto insurance market may be difficult. Whether you require complete coverage, reasonably priced premiums, or excellent customer support, our guide has you covered. Prepare to drive, save, and compare with assurance.

Best Car Insurance In Missouri

This information can help you choose the best car insurance in Missouri and maximize your coverage, ensuring you’re prepared for anything on the road. Keep scrolling to learn more.

Enter your zip code at CarInsurnace.org to start comparing car insurance rates today!

Table of Contents

Liberty Mutual is regarded as the best car insurance in Missouri, offering a wide range of coverage options tailored to different driver needs and circumstances. For Missouri drivers, their affordable rates and various incentives, like as safe driving and bundling options, guarantee affordability without sacrificing the caliber of coverage. Liberty Mutual gives policyholders throughout the state peace of mind by offering dependable assistance and timely claim payouts, all while maintaining a strong financial foundation and round-the-clock customer care.

Our Top 10 Company Picks: Best Car Insurance in Missouri

CompanyRankBundling DiscountA.M. BestBest ForJump to Pros/Cons
Liberty Mutual:Best Car Insurance in Missouri#125%AComprehensive CoverageLiberty Mutual
Farmers: Best Car Insurance in Missouri#220%APersonalized ServiceFarmers
Travelers: Best Car Insurance in Missouri#313%A++Specialized CoverageTravelers
Allstate: Best Car Insurance in Missouri#425%A+Strong NetworkAllstate
Progressive: Best Car Insurance in Missouri#510%A+Innovative TechnologyProgressive
American Family: Best Car Insurance in Missouri#625%ACustomer FocusAmerican Family
Geico: Best Car Insurance in Missouri#725%A++Affordable RatesGeico
State Farm: Best Car Insurance in Missouri#817%BNational PresenceState Farm
Nationwide: Best Car Insurance in Missouri#920%A+Flexible PoliciesNationwide
USAA: Best Car Insurance in Missouri#1010%A++Military FocusUSAA

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#1 – Liberty Mutual: Top Overall Pick

Liberty Mutual- Best Car Insurance in Missouri

Pros

  • Comprehensive Coverage Alternatives: In addition to add-ons like roadside assistance and accident forgiveness, Liberty Mutual provides a broad selection of coverage alternatives, such as liability, collision, and comprehensive.
  • Robust Financial Stability: Liberty Mutual’s sound financial status gives clients peace of mind by guaranteeing dependable and prompt claims payments.
  • 24/7 Customer Support: Liberty Mutual offers timely support for claims and questions at any time with its round-the-clock customer care.
  • Innovative Technology: The RightTrack program helps safe drivers reduce their premium costs by monitoring driving behavior and encouraging good habits.
  • Local Knowledge: Liberty Mutual offers insurance plans that are tailored to local drivers and has a solid grasp of Missouri’s insurance requirements.

Cons

  • Higher rates: Generally speaking, Liberty Mutual has higher rates than some of its rivals, particularly for comprehensive coverage.
  • Limited savings: Liberty Mutual may not offer as many or as substantial savings as other insurers, despite providing some.
  • App Restrictions: In comparison to other providers, some users feel that the mobile app is less feature-rich and thorough.
  • Not Ideal for Bad Credit: Liberty Mutual may not offer the most affordable rates to drivers with lower credit ratings.

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#2 – Farmers: Best for Comprehensive Coverage

Farmers Insurance- Best car Insurance in Missouri

Pros

  • Superb Customer Service: Farmers offers outstanding customer service, including 24-hour claims assistance and individualized assistance from local agents.
  • Many Coverage Alternatives: Farmers provides a variety of coverage alternatives, including unique add-ons like new car replacement and roadside assistance.
  • Strong Financial Position: Farmers’ strong financial position guarantees regular and prompt claims payments.
  • Accident Forgiveness: Following an accident, Farmers provides programs to help avoid premium hikes.
  • Bundling Discounts: Farmers offers substantial savings when you combine your home and vehicle insurance policy.

Cons

  • Higher Average Premiums: Farmers typically charge higher premiums compared to some of its competitors.
  • Limited Benefits of Discounts: Not all drivers may get significant cost savings from discounts.
  • Regional Discount Availability: Only some regions are eligible for certain discounts.

#3 – Travelers: Best for Unique Coverage

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Travelers- Best Car Insurance in Missouri

Pros

  • Fairly priced: Compared to competitors such as Farmers and Liberty Mutual, Travelers offers competitive pricing.
  • Numerous Discounts: Travelers offers a number of discounts, such as those for good students, hybrid cars, and multi-policy bundling.
  • Good Financial Stability: Travelers’ strong financial standing guarantees dependable and regular claims payouts.
  • Good Customer Service Reputation: The business has a reputation for providing its policyholders excellent customer service.
  • Strong Digital Tools: Travelers provides robust web resources and smartphone apps for simple policy administration.

Cons

  • Increased Fees for Risky Drivers: Travelers frequently raise premiums for drivers with a bad driving record.
  • Restricted Coverage Availability: Not all places may offer travelers coverage choices.
  • Fewer Local Agents: In comparison to its rivals, Travelers has fewer local agents, which restricts in-person support.
  • Restricted Special Coverage Options: Travelers offer fewer choices for special coverage, like accident forgiveness.
  • Regional Differences in Satisfaction: Depending on the location, customer satisfaction can differ greatly.

#4 – Allstate:  Best for Detailed Coverage

Allstate- Best Car Insurance in Missouri

Pros

  • Wide Variety of Coverage Options: Allstate provides policyholders with a wide variety of flexible coverage options.
  • Broad Agent Network: Allstate provides in-person support through a large number of local agents and a robust national presence.
  • Numerous Discount Options: The company offers a number of discounts, including those for safe driving, new cars, and combining auto and house insurance.
  • Good Financial Standing: Allstate’s sound financial standing guarantees regular and prompt claims payouts.
  • Accident Forgiveness & Deductible Rewards: Allstate provides initiatives that incentivize safe driving and assist in avoiding premium hikes following collisions.

Cons

  • High Premium Rates: Among the big insurers, Allstate usually has some of the highest premium rates.
  • Slow Claims Process: Occasionally, the claims procedure moves more slowly than anticipated, which causes delays in resolution.
  • Restricted Discount Availability: Depending on the situation, not every policyholder may be eligible for every discount.
  • Regional Variability in Customer Satisfaction: Depending on the region, satisfaction levels can differ considerably.
  • Digital Tool Improvement: Allstate’s digital tools and app features might be enhanced for a better user experience.

#5 – Progressive: Best for Coverage Options

Progressive- Best Car Insurance in Missouri

Pros

  • Reasonably priced: When compared to many other large insurers, Progressive offers competitive pricing.
  • Snapshot initiative: This initiative rewards responsible drivers by offering discounts for safe driving practices.
  • Numerous Add-Ons: Progressive provides a wide range of coverage options and add-ons, enabling extensive policy customization.
  • Robust Digital Tools: The business offers web resources and mobile apps that make managing policies and processing claims simple.
  • Financial Stability: Reliable claims payouts are guaranteed by Progressive’s strong financial foundation.

Cons

  • Reduced Customer Service Ratings: Compared to some of its rivals, Progressive’s customer service is not as well-regarded.
  • Premium Increases Following an Accident: Policyholders may experience a large increase in premiums following an accident.
  • Higher Rates for High-Risk Drivers: Drivers who pose a greater risk, such as those with a bad driving record, are frequently subject to higher premiums.
  • Limited Local Agent Support: In comparison to insurers with a larger number of local agents, Progressive provides less in-person support.
  • Less Comprehensive Coverage: Compared to rivals like Liberty Mutual, the coverage options might not be as comprehensive.

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#6 – American Family: Best for Loyalty Savings

American Family- Best Car Insurance in Missouri

Pros

  • Fair Prices: Compared to bigger insurers like Farmers and Allstate, American Family provides affordable rates.
  • Good Savings Options: The business offers a number of discounts, such as those for loyalty, safe driving, and bundling policies.
  • High Customer Satisfaction: When it comes to customer satisfaction, American Family continuously scores highly.
  • Special Add-Ons: Provides special extras like travel protection and roadside help.
  • Family-Focused Approach: With coverage specifically designed for families, the company places a strong emphasis on a family-oriented approach.

Cons

  • Restricted Availability: Not all states may offer coverage.
  • Fewer Digital resources: In contrast to larger insurers, American Family provides fewer digital resources.
  • Reduced Agent Availability: Compared to some competitors, local agents may not be as readily available.
  • Increased Rates for Young or Dangerous Drivers: Young or dangerous drivers may pay more for insurance.
  • Restricted specialist Policies: In comparison to other insurers, there can be fewer choices for specialist coverage.

#7 – Geico: Employee Discount

Geico- Best car insurance in Missouri

Pros

  • Very Reasonable Prices: Geico provides very affordable rates, particularly for experienced drivers who pose little risk.
  • Excellent Digital Tools: For simple policy management and claims processing, the organization offers excellent smartphone apps and digital technology.
  • Numerous Discounts: Geico provides a variety of discounts, such as those for government employees, members of the armed forces, and excellent drivers.
  • High Customer Satisfaction: Geico’s customer satisfaction ratings are consistently high.
  • Effective Claims Procedure: Geico has a reputation for having a simple and efficient claims process.

Cons

  • Limited Local Agents: Compared to competitors, fewer local agents are on hand to provide in-person support.
  • Increased Rates for Risky Drivers: Those who have a history of collisions or poor credit may pay more for insurance.
  • Fewer Coverage Options: Compared to full-service insurers like Liberty Mutual, Geico might have fewer coverage options.
  • Regional Customer Service Variability: Depending on the location, customer service quality may differ.
  • Additional Fee for Add-Ons: Some add-ons, such as roadside assistance, may incur additional fees.

#8 – State Farm: Best for Financial Strength

State Farm: Best Car Insurance in Missouri

Pros

  • Exceptionally Affordable Rates: State Farm provides incredibly affordable rates, especially for families and experienced drivers.
  • Broad Agent Network: The business offers individualized, face-to-face assistance through a broad network of agents.
  • great Customer Happiness: State Farm has a solid financial position and great customer happiness.
  • Numerous Discounts: Bundling policies, good students, and careful drivers are eligible for discounts.
  • Reliable Claims Procedure: State Farm is renowned for its effective and dependable claims management procedure.

Cons

Drawbacks

  • Diminished Savings: Compared to rivals Progressive and Geico, State Farm’s savings might not be as substantial.
  • Higher Rates for High-Risk Drivers: State Farm may charge higher rates for drivers who are young or pose a greater risk.
  • Limited Digital Tools: In comparison to certain competitors, the company’s digital tools and mobile apps have less functionalities.
  • Rate Increases Following Accidents: Following an initial accident, rates may rise.
  • Restricted Coverage Options: Compared to larger carriers, State Farm may not offer as many coverage options.

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#9 – Nationwide: Best for Accident Forgiveness

Nationwide- Best Car Insurance in Missouri

Pros

  • Cheap Premiums: Among the cheapest premiums available are those provided by Nationwide.
  • Many Discounts: The company offers a number of savings alternatives, such as those related to bundling insurance, safe
  • driving, and accident-free records.
    High Financial Stability: Nationwide’s strong financial position guarantees regular claims payments.
  • Flexible Coverage Options: Nationwide provides a wide range of extras and customizable coverage options to meet the demands of each individual.
  • Fantastic Digital Tools: The business offers top-notch web resources and mobile apps for simple policy administration.

Cons

  • Customer Service Variability: Depending on the area, customer service ratings may vary.
  • Discounts Not Available to All: Not all drivers may be able to take advantage of all discounts.
  • Rate Increases Following an Accident: Following an accident, rates may increase dramatically.
  • Fewer Local Agents: In contrast to its more seasoned rivals, Nationwide has fewer local agents.
  • Potential for Digital Improvement: There is potential to improve the overall digital experience significantly.

#10 – USAA: Best for Military Savings

USAA - Best Car Insurance in Missouri

Pros

  • Lowest Premium Rates: USAA offers the lowest premium rates on the list.
  • Outstanding Customer Satisfaction: USAA is renowned for its exceptional customer satisfaction and service.
  • Strong Financial Stability: By processing claims quickly, the business keeps a healthy financial position.
  • Numerous Savings Options: Military members and their families can take advantage of the discounts USAA offers.
  • User-Friendly Digital Tools: The Internet and mobile applications are straightforward and simple to use.

Cons

  • Eligibility Restrictions: USAA’s services are only available to active military personnel, veterans, and their families.
  • Limited In-Person Support: When it comes to in-person help, local agents are less supportive.
  • Fewer Add-On Coverage Options: In comparison to larger insurers, USAA has fewer options for add-on coverage.
  • Higher Premiums for Young Drivers: Young or inexperienced drivers may pay higher premiums.
  • Slower Claims in High-Volume Circumstances: During periods of high demand, some policyholders say that claims are resolved more slowly.

 

How much are the best car insurance in Missouri coverage and rates?

When shopping for car insurance, it can sometimes be difficult to understand Missouri’s minimum state requirements for coverage, who offers the best car insurance in Missouri, and why.

Missouri Car Insurance Monthly Rates by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Best Car Insurance in Missouri$52$148
American Family: Best Car Insurance in Missouri$37$106
Farmers: Best Car Insurance in Missouri$48$135
Geico: Best Car Insurance in Missouri$32$90
Liberty Mutual:Best Car Insurance in Missouri$46$129
Nationwide: Best Car Insurance in Missouri$23$66
Progressive: Best Car Insurance in Missouri$35$98
State Farm: Best Car Insurance in Missouri$30$85
Travelers: Best Car Insurance in Missouri$40$114
USAA: Best Car Insurance in Missouri$18$50

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Having the right car insurance provider is important to protecting your family and your property if something should happen when you are behind the wheel.

The right car insurance provider can help you negotiate the ins and outs of paperwork and even understand the laws in the Show-Me State should you ever need to file a claim.

We are here to help you get started with that. From providing insights into Missouri’s car culture to offering key details on the state’s minimum insurance requirements, we’ve gathered all the essential information you need to determine the best car insurance in Missouri and find the right provider for your needs.

Keep reading to find out more.

What is Missouri’s car culture?

Living and driving in the Show-Me State really does offer Missouri residents the best of both worlds. You could be cruising the bustling city streets of Kansas City one minute and find yourself among the quaint little town of Parkville just 20 minutes later.

https://youtu.be/R1aoCYy9fBs

Missouri residents are also a varied bunch of folks, so it is not unusual for families to own a large pick-up truck for hauling things and a passenger vehicle for family outings.

As tranquil as Missouri roadways can be, driving in the Show-Me State does not come without risks.

According to the National Highway Traffic Safety Administration (NHTSA):

In 2014, there were 29,989 fatal moror vehicle traffic crashes resulting in 32,675 fatalities.

Most of these crashes occurred in rural areas as well, according to the NHTSA. The reasons for this vary from the possibility of an animal strike at certain times of the year to winter driving conditions that can make roadways slick and unpredictable.

This is why the Missouri Department of Transportation has dedicated an entire page just to help you prevent winter driving accidents.

A 2017 study by the National Transportation Research Group TRIP ranked Missouri 11th for the worst rural road conditions, emphasizing the need to drive defensively. This highlights why it’s crucial to shop smart and find the best car insurance in Missouri to ensure proper protection.

Part of being a savvy shopper means knowing just how much coverage the state of Missouri requires you to carry on your car insurance policy.

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What are the minimum coverage requirements in Missouri?

State minimum auto insurance rates and requirements vary from state to state. Compare state to state below:

According to the Missouri Department of Revenue, the Show-Me State requires that all drivers carry the following type of coverage:

  • Bodily Injury Liability-in the amount of $25,000 per person
  • Bodily Injury Liability-in the amount of $50,000 per accident involving more than one person
  • Property Damage Liabilityin the amount of $10,000 per accident
  • Uninsured Motorist Coverage-in the amount of $25,000 per person
  • Uninsured Motorist Coverage-in the amount of $50.000 per accident involving more than one person

Missouri also has penalties for driving without the proper coverage amounts that could include points on your driver’s license and a license suspension.

AAA also notes that an insurance ID card must be in the insured vehicle at all times and:

A motor vehicle liability insurance policy, a motor vehicle liability insurance binder, or receipt which contains the policy information is satisfactory evidence of insurance in lieu of an insurance identification card.

As of August 28, 2013, it is now legal to present an e-insurance card as proof of insurance in the Show-Me State as well.

What counts as forms of financial responsibility?

According to the Missouri Department of Revenue, motorists in the Show-Me State are required to show proof of insurance when registering a vehicle and upon request of law enforcement.

In order to comply with Missouri’s Financial Responsibility Law, Missouri drivers can have one of the following proofs of financial responsibility:

  • A Liability Policy-This is your traditional car insurance policy which has the minimum coverage amounts required by the state.
  • A Surety Bond, Real Estate Bond, or Deposit of Cash or Negotiable Securities-This must be filed with the Department of Revenue in Missouri.
  • A Certificate of Self-Insurance– This is generally for a company or religious organization and must be issued by the Missouri Department of Revenu.

Nonresidents must maintain car insurance coverage amounts that meet the minimum state requirements of their home state.

How much are premiums as a percentage of income?

Knowing what the state of Missouri requires and how you can comply with the Show-Me State’s Financial Responsibility Law is only part of purchasing your car insurance policy.

As you start to consider how much coverage you will need, you will also want to consider just how much that coverage is going to cost you.

The average resident of Missouri spends around 2.3 percent of their annual disposable income on car insurance.

With a per capita disposable income of $36,690 per year earned by each Missourian and $872 of that being spent on maintaining car insurance on your vehicle, this means that, on average, $73 is spent on car insurance from a monthly budget of $3,080.

This is slightly better than Missouri’s neighbors in Kentucky, who shell out around $918 for the same amount of coverage. Missouri is also on par with its neighbor, Illinois, whose residents pay about $854 annually.

Missouri is also on the low side of the national average, according to the Insurance Information Institute (III), which places the average expenditure for car insurance at $935.80 per year.

When you are the one fitting the bill, it may not seem like it, though, which is why you will want to shop around.

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What is the average monthly best car insurance in Missouri rates (liability, comprehensive, collision coverage)?

Getting the most for your money when purchasing car insurance in Missouri means understanding just where every penny is going.


Coverage TypeAnnual Cost (2015)
Liability$415.88
Collision$275.28
Comprehensive$181.27
Combined Total$872.43

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The rates reflected above are from 2015, so premiums for 2019 might be slightly higher given that in recent years, the cost of car insurance in the Show-Me State has been slightly on the rise.

Knowing what other Missouri residents are paying annually for the best car insurance in Missouri can help ensure you’re not overpaying for your policy. Saving on essential coverage types could also free up room in your budget if you decide to add extra coverage to your policy.

What additional coverage options are available?

You already know that the Show-Me State has minimum state requirements, including bodily injury, property damage, and uninsured drivers. There are additional types of liability coverage available to you as well.

Three of the most recognizable additional coverage options are:

  • Personal Injury Protection– This coverage handles medical expenses regardless of who is at fault in an auto accident.
  • Medical Payments (MedPay)-This addition will cover the medical payments of all passengers in a vehicle who are injured in an accident. This includes the ambulance ride and treatment.
  • Uninsured/Underinsured Motorist– This is not an addition to the traditional policy in Missouri because it is part of the state’s minimum requirements. This type of coverage pays out if you are hit by a driver who either does not have car insurance or does not have enough car insurance coverage according to state law. It can help cover damages and medical expenses incurred during an accident.

Both the loss ratio for the best auto insurance in Missouri market as a whole and the loss ratio of the firms you are reviewing should be taken into account when determining whether to add additional coverage to your policy. This can offer you important information about each provider’s dependability and financial stability.

Below are the loss ratio trends for Missouri according to the National Association of Insurance Commissioners (NAIC).

Loss Ratio201320142015
Medical Payments (MedPay)66%67%74%
Uninsured/Underinsured Motorist79%75%87%

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The loss ratio numbers for Missouri indicate that the market, on the whole, is performing well. How do you know? It starts by understanding what the loss ratio itself means.

  • A High Loss Ratio (over 75 percent) indicates that the companies underestimated the frequency and severity of losses and how much premium would be needed to cover them. A high loss ratio is a good indicator of future rate increases.
  • A Low Loss Ratio (under 35 percent) could indicate that companies overestimated the frequency and severity of claims or overpriced their policies.

As you can see then, the numbers are quite good because they indicate that the car insurance companies in the Show-Me State are not paying out too many claims, nor are they rejecting too many.

In order to better protect your family and property in the event of an accident, it could be prudent to get additional coverage with the best car insurance in Missouri, as approximately 14% of drivers in the state lack insurance.

What add-ons and endorsements are available with the best car insurance in Missouri?

One of the Joys of owning a car is the freedom and independence that it can provide you. Cars are not just a way for us to claim our independence, though. They are also a way for us to show off our personalities.

Some people do this by choosing a specific make or model car, while others might modify what they have or restore a classic as a hobby.

To safeguard the time and work you invest in maintaining your vehicle, it is crucial to make sure it has the appropriate coverage, regardless of what you drive. Add-ons and endorsements with the best car insurance in Missouri can be helpful in this situation.

Some of the most popular types of these additions to your policy include:

  • Rental Reimbursement– If you ever need to leave your car in the shop, rental reimbursement could help you pay the costs of renting a car until your repairs are finished. (For more information, read our “Pros and Cons of Renting Your Car to Others“).
  • Emergency Roadside Assistance: If your car breaks down or you have a flat, emergency roadside assistance will be there for you to pay for the cost of roadside repairs or a tow if need be.
  • Mechanical Breakdown Insurance- This type of coverage can help you pay for the cost of repairs to your car that did not result from an accident.
  • Non-Owner Car Insurance-If you don’t own a car, but you still drive on occasion this type of coverage provides you with limited liability coverage even if the car you are driving isn’t registered to you.
  • Guaranteed Auto Protection (GAP)-If your car is ever totaled or stolen, GAP coverage will pay any money that is remains owed on the lease or loan after the auto policy has made its payment.
  • Personal Umbrella Policy-When you have reached your underlying liability limits PUP kicks in to help protect you from lawsuits which may result from an auto accident.
  • Classic Car Insurance– cheaper than traditional insurance, this type of coverage is specifically geared towards helping you protect your classic beauty.
  • Modified Car Insurance Classic isn’t your style, and stock just won’t do; you should consider this type of car insurance coverage. This type of insurance covers most modifications made to your vehicle that may not be covered by your general policy should you be involved in an accident.

Before you modify your vehicle, though, you should check the Missouri state laws regarding things like the height of a lift kit or window tinting.

Missouri does not restrict how high you can jack your car up, but it does restrict how low you can go. It also restricts the type of window tint you can put on your car’s windows and where.

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What are the average monthly car insurance rates by age & gender in MO?

The type of car you own is not the only thing that you have to consider when determining which car insurance provider is right for you.

Your age, gender, or even where you live might occasionally have an effect on your auto insurance premiums. To get the best car insurance in Missouri that fits your needs and budget, it is crucial to compare providers and plans.

Consumer Federation of America released a study in 2017 that revealed just how much being who you were born o be could cost you if you were born a woman instead of a man. What they found was also in direct opposition to what most people believe about the differences in gender when it comes to paying for car insurance. Specifically:

In ten cities studied, CFA found that 40- and 60-year old women with perfect driving records were charged more than men for basic coverage nearly twice as often as men were charged the higher rate.

Gender and age certainly can make a difference in how much you pay for your car insurance premiums. Take a look at the table below to see how much in the Show-Me State.

CompanyMarried 35-year old female annual rateMarried 35-year old male annual rateMarried 60-year old female annual rateMarried 60-year old male annual rateSingle 17-year old female annual rateSingle 17-year old male annual rateSingle 25-year old female annual rateSingle 25-year old male annual rate
Allstate F&C$2,837.73$2,745.70$2,554.13$2,634.98$7,907.03$8,568.17$2,716.60$2,804.86
American Family Mutual$2,149.34$2,149.34$1,913.91$1,913.91$5,870.28$7,634.60$2,149.34$2,514.45
Farmers Ins Co$2,371.17$2,364.03$2,117.42$2,242.40$9,764.18$10,105.80$2,703.97$2,828.55
Geico Cas$1,900.51$2,128.97$1,478.32$1,889.46$5,917.54$6,266.65$1,744.68$1,756.44
Safeco Ins Co of IL$2,721.34$2,950.25$2,240.72$2,513.42$9,379.72$10,416.74$2,867.37$3,059.82
Allied P&C$1,502.66$1,534.92$1,344.89$1,424.62$3,832.35$4,908.75$1,717.22$1,857.41
Progressive Casualty$2,112.60$1,960.45$1,728.12$1,780.37$6,864.63$7,708.61$2,572.89$2,625.46
State Farm Mutual Auto$1,696.91$1,696.91$1,517.71$1,517.71$4,878.94$6,150.91$1,907.72$2,176.45
USAA$1,551.68$1,539.81$1,394.40$1,421.78$4,594.51$5,616.45$1,934.27$2,153.35

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Knowing which company is the cheapest in your area based on age and gender is not all there is to purchase your car insurance policy.

Sometimes the neighborhood or even the city that you call home can cost you big bucks. Keep scrolling to find out how.

Where are the cheapest rates by ZIP code for the best car insurance in Missouri?

Living on the best street in the city has its advantages. Your neighbors are friendly, and all of the amenities that your part of town has to offer are conveniently located.

Convenience comes at a cost though. Take a look at the tables below to see just how much your neighbors are paying for their car insurance policy.

Cheapest ZIP Codes in Missouri CityAverage Annual Rate by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
65301SEDALIA$2,938.18Liberty Mutual$4,135.77Farmers$3,867.71Nationwide$1,998.41USAA$2,379.83
65536LEBANON$2,938.32Liberty Mutual$4,158.01Farmers$3,822.03Nationwide$1,979.14State Farm$2,246.40
65340MARSHALL$2,962.97Liberty Mutual$4,111.86Allstate$3,961.88Nationwide$2,013.02USAA$2,112.00
65347NELSON$3,010.40Liberty Mutual$4,085.36Allstate$3,961.88Nationwide$2,013.02State Farm$2,097.73
65023CENTERTOWN$3,015.33Liberty Mutual$4,171.24Allstate$3,872.65Nationwide$2,071.90State Farm$2,283.73
65473FORT LEONARD WOOD$3,016.38Liberty Mutual$4,283.07Farmers$4,211.44Nationwide$1,979.14USAA$2,337.98
65109JEFFERSON CITY$3,019.92Liberty Mutual$4,206.59Farmers$3,693.79Nationwide$2,071.90State Farm$2,325.82
65339MALTA BEND$3,021.23Liberty Mutual$4,178.74Farmers$4,066.80Nationwide$2,013.02USAA$2,112.00
63461PALMYRA$3,025.53Liberty Mutual$4,088.17Allstate$3,961.88Nationwide$1,961.94State Farm$2,474.26
65344MIAMI$3,029.18Liberty Mutual$4,242.32Allstate$3,961.88Nationwide$2,013.02State Farm$2,097.73
65337LA MONTE$3,034.71Liberty Mutual$4,148.79Allstate$3,961.88Nationwide$1,998.41State Farm$2,299.73
65101JEFFERSON CITY$3,036.06Liberty Mutual$4,236.38Allstate$3,872.65Nationwide$2,071.90State Farm$2,338.55
64735CLINTON$3,036.94Liberty Mutual$4,117.90Allstate$3,994.53Nationwide$2,036.09State Farm$2,275.74
65350SMITHTON$3,037.12Liberty Mutual$4,135.77Allstate$3,961.88Nationwide$1,998.41USAA$2,379.83
65053LOHMAN$3,040.44Liberty Mutual$4,171.24Farmers$3,895.84Nationwide$2,071.90State Farm$2,297.75
64658MARCELINE$3,045.13Liberty Mutual$4,319.53Allstate$3,961.88Nationwide$1,975.18State Farm$2,324.69
63352LADDONIA$3,047.73Liberty Mutual$4,297.83Allstate$3,961.88Nationwide$2,084.58State Farm$2,213.46
63501KIRKSVILLE$3,049.19Liberty Mutual$4,338.31Allstate$3,961.88Nationwide$1,997.44State Farm$2,466.78
64001ALMA$3,050.25Liberty Mutual$4,189.26Farmers$4,098.07Nationwide$2,071.13State Farm$2,289.20
65330GILLIAM$3,053.62Liberty Mutual$4,215.27Allstate$3,961.88Nationwide$2,013.02USAA$2,112.00
65321BLACKBURN$3,053.88Farmers$4,320.44Liberty Mutual$4,189.26Nationwide$2,013.02USAA$2,112.00
65349SLATER$3,054.78Liberty Mutual$4,215.27Allstate$3,961.88Nationwide$2,013.02USAA$2,112.00
65323CALHOUN$3,055.29Liberty Mutual$4,117.90Farmers$3,970.47Nationwide$2,036.09USAA$2,112.00
65320ARROW ROCK$3,056.42Liberty Mutual$4,238.71Allstate$3,961.88Nationwide$2,013.02State Farm$2,097.73
65401ROLLA$3,056.42Liberty Mutual$4,353.06Farmers$4,087.84Nationwide$2,094.65State Farm$2,220.45

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The data reveals that those residents of St. Louis who live near Russell Park pay almost $300 less than their neighbors who make their homes near Tandy Recreation Center.

Most Expensive ZIP Codes in Missouri CityAverage Annual Rate by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
63120SAINT LOUIS$5,220.97Progressive$7,750.45Liberty Mutual$6,552.51USAA$2,726.89Nationwide$3,631.66
63113SAINT LOUIS$5,219.91Progressive$8,264.00Farmers$6,518.81USAA$2,726.89Nationwide$3,631.66
63115SAINT LOUIS$5,177.26Progressive$7,879.35Farmers$6,566.91USAA$2,726.89Nationwide$3,631.66
63107SAINT LOUIS$5,156.22Progressive$8,031.09Liberty Mutual$6,517.96USAA$2,726.89Nationwide$3,631.66
63147SAINT LOUIS$5,131.13Progressive$7,589.00Farmers$6,718.68USAA$2,726.89Nationwide$3,631.66
63106SAINT LOUIS$5,071.81Progressive$7,068.45Farmers$6,971.63USAA$2,726.89Nationwide$3,631.66
63118SAINT LOUIS$4,941.63Liberty Mutual$6,517.96Farmers$6,475.17USAA$2,726.89Nationwide$3,343.55
63137SAINT LOUIS$4,931.78Progressive$7,523.21Farmers$5,932.82USAA$2,726.89Nationwide$3,353.82
63136SAINT LOUIS$4,907.41Progressive$6,735.66Farmers$6,386.93USAA$2,726.89Nationwide$3,315.23
63112SAINT LOUIS$4,867.49Liberty Mutual$6,517.96Farmers$6,286.35USAA$2,726.89Nationwide$3,631.66
63111SAINT LOUIS$4,798.75Liberty Mutual$6,517.96Farmers$6,453.23USAA$2,726.89Nationwide$3,444.71
63116SAINT LOUIS$4,776.27Liberty Mutual$6,517.96Farmers$6,199.07USAA$2,726.89Nationwide$3,395.04
63101SAINT LOUIS$4,769.06Liberty Mutual$6,517.96Farmers$6,085.60USAA$2,726.89Nationwide$3,343.55
63102SAINT LOUIS$4,749.36Liberty Mutual$6,517.96Farmers$6,002.14USAA$2,726.89Nationwide$3,343.55
63138SAINT LOUIS$4,737.81Progressive$6,876.18Farmers$5,929.77USAA$2,726.89Nationwide$3,293.47
63103SAINT LOUIS$4,717.32Liberty Mutual$6,517.96Farmers$6,092.26USAA$2,726.89Nationwide$3,343.55
63108SAINT LOUIS$4,689.62Liberty Mutual$6,517.96Farmers$6,215.11USAA$2,726.89Nationwide$3,316.55
63155SAINT LOUIS$4,688.52Liberty Mutual$6,517.96Progressive$5,582.20USAA$2,726.89Nationwide$3,343.55
63104SAINT LOUIS$4,597.70Liberty Mutual$6,517.96Farmers$5,743.00USAA$2,726.89Nationwide$3,343.55
63110SAINT LOUIS$4,573.32Liberty Mutual$6,517.96Farmers$5,899.56USAA$2,726.89Nationwide$3,252.72
64124KANSAS CITY$4,527.14Liberty Mutual$6,653.85Progressive$5,510.01USAA$2,525.57Nationwide$3,513.54
64127KANSAS CITY$4,516.27Liberty Mutual$6,653.85Farmers$5,398.15USAA$2,525.57Nationwide$3,513.54
64123KANSAS CITY$4,501.38Progressive$6,121.06Liberty Mutual$5,960.22USAA$2,525.57Nationwide$3,513.54
64128KANSAS CITY$4,498.89Liberty Mutual$6,653.85Farmers$5,583.59USAA$2,525.57Nationwide$3,513.54
63121SAINT LOUIS$4,496.11Liberty Mutual$5,879.55Farmers$5,792.05USAA$2,726.89Nationwide$3,207.49

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As you can see, your location has a big influence on the cost of your auto insurance. When looking for the best car insurance in Missouri, it’s not just your neighborhood; local traffic patterns and accident rates can also affect your prices.

Sometimes the city you love can end up costing you more to drive in.

Where are the cheapest rates by city?

The Show-Me State boasts some of the most beautiful historic neighborhoods in the United States. But when it comes to finding the best car insurance in Missouri, all that charm and history may come at a cost.

Take a look at the tables below to see just how your city compares to those around it when it comes to the price of car insurance.

Cheapest Cities in MissouriAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Sedalia$2,938.18Liberty Mutual$4,135.77Farmers$3,867.71Nationwide$1,998.41USAA$2,379.83
Lebanon$2,938.32Liberty Mutual$4,158.01Farmers$3,822.03Nationwide$1,979.14State Farm$2,246.40
Marshall$2,962.96Liberty Mutual$4,111.86Allstate$3,961.88Nationwide$2,013.02USAA$2,112.00
Nelson$3,010.40Liberty Mutual$4,085.36Allstate$3,961.88Nationwide$2,013.02State Farm$2,097.73
Centertown$3,015.32Liberty Mutual$4,171.24Allstate$3,872.65Nationwide$2,071.90State Farm$2,283.73
Fort Leonard Wood$3,016.38Liberty Mutual$4,283.07Farmers$4,211.44Nationwide$1,979.14USAA$2,337.98
Malta Bend$3,021.23Liberty Mutual$4,178.74Farmers$4,066.80Nationwide$2,013.02USAA$2,112.00
Palmyra$3,025.53Liberty Mutual$4,088.17Allstate$3,961.88Nationwide$1,961.94State Farm$2,474.26
Jefferson City$3,027.99Liberty Mutual$4,221.49Allstate$3,691.09Nationwide$2,071.90State Farm$2,332.19
Miami$3,029.18Liberty Mutual$4,242.32Allstate$3,961.88Nationwide$2,013.02State Farm$2,097.73
La Monte$3,034.71Liberty Mutual$4,148.79Allstate$3,961.88Nationwide$1,998.41State Farm$2,299.73
Clinton$3,036.94Liberty Mutual$4,117.90Allstate$3,994.53Nationwide$2,036.09State Farm$2,275.74
Smithton$3,037.12Liberty Mutual$4,135.77Allstate$3,961.88Nationwide$1,998.41USAA$2,379.83
Lohman$3,040.44Liberty Mutual$4,171.24Farmers$3,895.84Nationwide$2,071.90State Farm$2,297.75
Marceline$3,045.13Liberty Mutual$4,319.53Allstate$3,961.88Nationwide$1,975.18State Farm$2,324.69
Laddonia$3,047.73Liberty Mutual$4,297.83Allstate$3,961.88Nationwide$2,084.58State Farm$2,213.46
Kirksville$3,049.19Liberty Mutual$4,338.31Allstate$3,961.88Nationwide$1,997.44State Farm$2,466.78
Alma$3,050.25Liberty Mutual$4,189.26Farmers$4,098.07Nationwide$2,071.13State Farm$2,289.20
Gilliam$3,053.62Liberty Mutual$4,215.27Allstate$3,961.88Nationwide$2,013.02USAA$2,112.00
Blackburn$3,053.88Farmers$4,320.44Liberty Mutual$4,189.26Nationwide$2,013.02USAA$2,112.00
Slater$3,054.78Liberty Mutual$4,215.27Allstate$3,961.88Nationwide$2,013.02USAA$2,112.00
Calhoun$3,055.29Liberty Mutual$4,117.90Farmers$3,970.47Nationwide$2,036.09USAA$2,112.00
Arrow Rock$3,056.42Liberty Mutual$4,238.71Allstate$3,961.88Nationwide$2,013.02State Farm$2,097.73
Rolla$3,056.42Liberty Mutual$4,353.06Farmers$4,087.84Nationwide$2,094.65State Farm$2,220.45
Vandalia$3,059.82Liberty Mutual$4,338.91Farmers$4,012.74Nationwide$2,084.58State Farm$2,203.83

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Sedalia has the cheapest rates, so if you live in this city, you are saving on car insurance.

Most Expensive Cities in Missouri Average Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Pine Lawn$5,220.97Progressive$7,750.45Liberty Mutual$6,552.51USAA$2,726.89Nationwide$3,631.66
Bellefontaine Neighbors$4,931.78Progressive$7,523.21Farmers$5,932.82USAA$2,726.89Nationwide$3,353.82
Castle Point$4,907.41Progressive$6,735.66Farmers$6,386.93USAA$2,726.89Nationwide$3,315.23
St. Louis$4,788.76Liberty Mutual$6,471.28Farmers$6,141.48USAA$2,726.89Nationwide$3,389.49
Spanish Lake$4,737.81Progressive$6,876.18Farmers$5,929.77USAA$2,726.89Nationwide$3,293.47
Bel-Nor$4,496.11Liberty Mutual$5,879.55Farmers$5,792.05USAA$2,726.89Nationwide$3,207.49
Hanley Hills$4,380.21Liberty Mutual$6,167.47Farmers$5,844.01USAA$2,726.89Nationwide$3,207.49
Calverton Park$4,323.89Farmers$5,629.02Allstate$5,557.57USAA$2,726.89Nationwide$2,980.64
Black Jack$4,323.75Farmers$5,639.46Liberty Mutual$5,580.91USAA$2,455.64Nationwide$3,088.75
Old Jamestown$4,270.14Farmers$5,738.36Allstate$5,557.57USAA$2,455.64Nationwide$3,130.76
Berkeley$4,217.00Liberty Mutual$5,640.51Allstate$5,549.63USAA$2,726.89Nationwide$3,015.07
Clayton$4,200.08Liberty Mutual$6,517.96Allstate$5,557.57USAA$2,726.89Nationwide$2,874.54
Florissant$4,158.74Farmers$5,564.76Allstate$5,557.57USAA$2,455.64Nationwide$2,890.76
Hazelwood$4,100.07Allstate$5,549.63Farmers$5,505.55USAA$2,455.64Nationwide$2,700.99
University City$3,978.05Liberty Mutual$5,705.26Farmers$4,920.54USAA$2,726.89Nationwide$2,862.98
Bella Villa$3,912.51Farmers$5,202.22Liberty Mutual$5,167.71USAA$2,726.89Nationwide$2,846.19
Richmond Heights$3,908.89Liberty Mutual$5,427.05Allstate$5,271.27USAA$2,726.89Nationwide$2,810.43
Breckenridge Hills$3,891.60Liberty Mutual$5,801.31Farmers$5,047.65USAA$2,455.64Nationwide$2,857.79
Maplewood$3,881.90Liberty Mutual$5,633.13Farmers$4,968.12USAA$2,726.89Nationwide$2,810.43
Mehlville$3,879.40Farmers$5,340.86Liberty Mutual$5,232.01Nationwide$2,648.00USAA$2,726.89
Olivette$3,860.85Liberty Mutual$5,288.31Farmers$4,966.42USAA$2,726.89Nationwide$2,849.81
Bel-Ridge$3,839.35Liberty Mutual$5,354.84Farmers$4,903.23USAA$2,726.89Nationwide$2,857.79
Cedar Hill$3,828.32Liberty Mutual$5,253.06Farmers$4,970.86USAA$2,726.89Nationwide$2,781.08
Kansas City$3,803.99Liberty Mutual$5,328.57Farmers$4,820.22USAA$2,525.57Nationwide$2,716.19
Luebbering$3,791.75Liberty Mutual$5,042.93Farmers$4,852.98USAA$2,455.64Nationwide$2,643.58

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As you can see, residents of St. Louis are paying $4,361 on average for their car insurance policy. That is almost $1,300 more than the residents of Sedalia, who shell out $2,938 on average for the same coverage.

Given that St. Louis has a population of nearly 320,000 people whereas Sedalia is only around 22,000 people string this isn’t surprising since more people mean more cars on the road and thereby more chances of an accident.

Usually, an accident results in a claim being made, which can raise your rates as well as those of your neighbors. This increases the importance of selecting the best car insurance in Missouri. We can assist you make the best decision in this situation.

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What are the companies that offer the best car insurance in Missouri?

Finding the best car insurance in Missouri will help you choose a company that will help you in the event that you have to make a claim.. We have collected a list of the top-rated providers in the Show-Me State according to AM Best to help you make the best decision for you and your family.

Liberty Mutual is often considered one of the best car insurance providers, offering comprehensive coverage for drivers in many U.S. states, including Missouri. Although not all states offer their services, they offer the best protection in the areas they cover. Getting a personalized quotation online from Liberty Mutual is a simple method to compare prices and choose the best plan if you’re searching for the best car insurance in Missouri. Additionally, the Reddit user claims that Liberty Manual is among Missouri’s top auto insurance providers.

Reddit user, claims Liberty Manual is one of the best car insurance in Missouri

What are the largest companies’ financial ratings?

AM Best is the only credit agency in the world with a singular focus on the insurance industry. For this reason, it has become a trusted agency by which other agencies, such as the National Association of Insurance Commissioners (NAIC), rely on.

This means that you can rely on them to help you determine which providers offer the best car insurance in Missouri and which is the most trusted car insurance company in your area. By looking at how they’ve scored the companies you’re considering, you can gain insight into the overall health of the car insurance market in Missouri.

Best Rated CompaniesRatingOutlook
State Farm GroupA++Stable
American Family Insurance GroupAStable
Progressive GroupA+Stable
Liberty Mutual GroupAStable
GeicoA++Stable
Farmers Insurance GroupAStable
Shelter Insurance GroupAStable
Allstate Insurance GroupA+Stable
USAA GroupA++Stable
Auto Club Enterprises Insurance GroupAStable

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When you choose a company with a high rating from AM Best you are choosing one that has a good loss ratio and whose financial outlook is stable.

This stability could save you money. It could also make filing a claim less stressful for you since companies with better financial loss ratios and stronger financial ratings don’t reject claims as often.

Companies with Best Ratings

AM Best is not the only company that is looking out for you. JD Power has also been watching the car insurance market, and what it has discovered is that consumer satisfaction with car insurance providers is at a high.

As satisfied as car insurance consumers seem to be, everyone knows that filing a claim isn’t always as delightful as a warm roll from Bread Co. To make sure you’re ready and protected in the event of an emergency, we are here to assist you in locating the best auto insurance in Missouri.

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Companies with the Most Complaints

Knowing which companies that consumers complain about the most can really help you decide which provider might be right for you. There is more to it, though, than just seeing how many complaints each company has lodged against it.

This is where the complaint ratio comes in. This ratio tells you where the providers in your area stand in relation to their competition.

The top ten providers of the best car insurance in Missouri are shown below, along with a comparison of their complaint ratios.

CompanyDirect Premiums WrittenComplaint RatioLoss RatioMarket Share
State Farm Group$937,742.000.0965.35%24.06%
American Family Insurance Group$506,153.000.0166.85%12.99%
Progressive Group$370,336.000.0958.99%9.50%
Liberty Mutual Group$256,156.000.0264.67%6.57%
Geico$253,457.000.0175.07%6.50%
Farmers Insurance Group$219,419.000,0166.63%5.63%
Shelter Insurance Group$206,083.00070.23%5.29%
Allstate Insurance Group$163,137.000.0360.06%4.19%
USAA Group$154,615.00087.73%3.97%
Auto Club Enterprises Insurance Group$146,330.00068.51%3.75%

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The baseline for the complaint ratio is 1.0. This means that a company with a complaint ratio of 1.0 has an average number of complaints. The higher the complaint ratio, the higher the number of complaints lodged against the company.

That doesn’t necessarily mean that the company with the highest complaint ratio is the worst company around. When considering how many complaints each company has, you also have to consider how much of the market share they hold as well.

The larger the market share, the more customers the company will have, which increases the chance that a complaint might be lodged against it.

Should you ever need to file a complaint against your car insurance provider, here are a couple of ways to do it in the Show-Me State.

  • Phone at 800-726-7390
  • FAX at 573-526-4898
  • Mail your complaint to the Missouri Department of Insurance, P.O. Box 690, Jefferson City, MO 65102-0690
  • Or you can file online

Be aware that your complaint may be forwarded to your insurance company by the Missouri Department of Insurance.

It’s time to start discussing pricing now that you have a better understanding of how all the moving components come together to determine which businesses provide the best car insurance in Missouri.

What are the cheapest companies in Missouri?

All savvy shoppers know cheaper doesn’t always mean better, but it is the best place to start. With that in mind, we have collected a list of the cheapest car insurance providers in the Show-Me State. Take a look at the table below.

CompanyAverage Annual Rate+/- Compared to State Average (Rate)+/- Compared to State Average (%)
Allstate F&C$4,096.15$762.5518.62%
American Family Mutual$3,286.90-$46.70-1.42%
Farmers Ins Co$4,312.19$978.5922.69%
Geico Cas$2,885.32-$448.28-15.54%
Safeco Ins Co of IL$4,518.67$1,185.0726.23%
Allied P&C$2,265.35-$1,068.25-47.16%
Progressive Casualty$3,419.14$85.542.50%
State Farm Mutual Auto$2,692.91-$640.70-23.79%
USAA$2,525.78-$807.82-31.98%

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When looking for your auto insurance coverage, this information helps you determine how much money you have to spend. In addition to identifying the best auto insurance in Missouri provider, locating the most affordable vehicle to insure in Missouri is another excellent method to reduce the cost of your policy.

What are commute rates by company?

Sometimes adjusting how much you drive can lower your car insurance rates. For some people, though, that is not always possible, which is why it pays to shop around.

The table below can help you see what each mile under your tires could cost you, help you make informed decisions and potentially save money in the long run by choosing the best car insurance in Missouri provider.

Company10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.
Allstate$4,096.15$4,096.15
American Family$3,254.30$3,319.49
Farmers$4,312.19$4,312.19
Geico$2,830.47$2,940.17
Liberty Mutual$4,518.67$4,518.67
Nationwide$2,265.35$2,265.35
Progressive$3,419.14$3,419.14
State Farm$2,627.16$2,758.65
USAA$2,434.31$2,617.25

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Looking at the numbers, you can see that USAA has the cheapest rate no matter how far you drive. That isn’t the only thing to consider, though.

If you have a long commute, you may want to look at the complaint ratios and loss ratios of some of the other companies before making your decision since more time on the road means an increased chance of an accident.

Paying a bit more for your car insurance policy with a company that is less likely to reject your claim is something to consider before you buy. You should also consider how much coverage you might need.

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What are coverage level rates by company?

The only thing worse than having your claim rejected is finding out that you don’t have enough coverage after an accident. This is why it is always a good idea to consider the cost of the various levels of coverage before you purchase your car insurance policy.

CompanyLow CoverageMedium CoverageHigh Coverage
Allstate$3,945.84$4,087.71$4,254.90
American Family$3,188.97$3,390.79$3,280.93
Farmers$4,037.99$4,270.52$4,628.06
Geico$2,699.84$2,906.16$3,049.96
Liberty Mutual$4,263.43$4,540.46$4,752.13
Nationwide$2,128.01$2,286.38$2,381.67
Progressive$3,056.63$3,427.58$3,773.22
State Farm$2,524.26$2,702.01$2,852.45
USAA$2,419.58$2,517.25$2,640.50

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Generally speaking, the higher your coverage level, the higher the price you will pay for your policy. You may or may not need all of that coverage, though.

For example, if you have an older car, you might want to consider a lower amount of coverage just because if your car is hit in an accident, it has a greater chance of being totaled out by the car insurance company.

If you have a brand new car, though, your lienholder may require you to have higher coverage to protect you both in case the worst should happen.

What are credit history rates by company?

The age of your car and the distance you travel are not the only factors that determine your rates. In 2015, Consumer Reports published an article that shocked a lot of people.

What this article revealed was that if car insurance companies don’t like your credit score, they could charge you more money in some states.

Take a look at the table below to see what this means for you as a resident of the Show-Me State.

CompanyGood CreditFair CreditPoor Credit
Allstate$3,001.92$3,635.18$5,651.36
American Family$2,544.91$3,021.03$4,294.74
Farmers$3,904.85$4,105.51$4,926.22
Geico$2,076.11$2,595.41$3,984.44
Liberty Mutual$3,113.69$3,955.62$6,486.70
Nationwide$1,917.26$2,206.14$2,672.67
Progressive$3,017.40$3,275.50$3,964.53
State Farm$1,981.21$2,409.46$3,688.05
USAA$1,404.32$1,960.03$4,212.99

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You may be asking yourself why having a higher credit score can save you so much money on car insurance. The reason is that most car insurance companies assume that a person with a higher credit score is less likely to file a claim if they have an accident.

While cleaning up your credit score is one way to save yourself some money on your car insurance policy, maintaining a clean driving record is the best way.

What are the driving record rates by company?

The state of Missouri operates under a points system when it comes to your driving record. This means that if you get caught speeding in the Show-Me State, you could be dragging points around on your driver’s license for 18 months as a determinant for possible license suspension.

Other traffic violations can stay on your record for up to 3 years as well. These violations could also cost you big bucks on your car insurance rates. Take a look at the table below to see how much we are talking.

CompanyClean RecordWith 1 Speeding ViolationWith 1 DUIWith 1 Accident
Allstate$3,512.16$3,976.44$4,932.33$3,963.68
American Family$2,464.75$2,810.96$4,323.36$3,548.51
Farmers$3,735.40$4,343.83$4,533.97$4,635.57
Geico$2,251.53$2,441.95$3,930.78$2,917.03
Liberty Mutual$3,282.75$5,222.59$4,857.97$4,711.37
Nationwide$1,781.84$1,949.48$3,045.90$2,284.19
Progressive$2,965.00$3,467.90$3,283.46$3,960.21
State Farm$2,476.06$2,692.90$2,692.90$2,909.75
USAA$2,030.33$2,215.48$3,399.34$2,457.96

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Driving defensively in the Show-Me State can really save you money. So, we can designate a driver and lighten up that led foot.

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Who are the largest providers of the best car insurance in Missouri?

Now that you know how slowing down and driving responsibly can save you money, it is time to consider the real value of looking at the market share of the companies you are considering.

You already know that the market share works with the loss ratio and complaint ratio to help you determine how many complaints are too many and how likely a company is to pay out if you need to file a claim.

What does the market share really mean on its own, though? Plainly stated, the market share is the percentage of the overall market that a particular company holds.

Looking at the market share next to the number of direct premiums written by that same company can also tell you how healthy the company is so that you can avoid a headache down the road.

CompanyDirect Premiums WrittenMarket Share
State Farm Group$937,74224.06%
American Family Insurance Group$506,15312.99%
Progressive Group$370,3369.50%
Liberty Mutual Group$256,1566.57%
Geico$253,4576.50%
Farmers Insurance Group$219,4195.63%
Shelter Insurance Group$206,0835.29%
Allstate Insurance Group$163,1374.19%
USAA Group$154,6153.97%
Auto Club Enterprises Insurance Group$146,3303.75%

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As you can see, State Farm controls nearly 25 percent of the market in the Show-Me State. Using them as an example, you can see they have $937,742 in Direct Premiums Written. This means that they are not only large, but they are also healthy since Investopedia points out that:

While insurance companies can increase revenue by increasing premiums on policies that have come up for renewal, the main driver for growth in this area is writing new policies.

Examining the remaining businesses on the list reveals that they are well-positioned for robust expansion and financial stability in Missouri, which may contribute to the maintenance of affordable rates for locals looking for the best car insurance in Missouri.

Number of Insurers by State

There are 43 domestic insurers in the Show-Me State and 900 foreign ones. This means that when you are shopping for your car insurance policy, you have 943 options.

You may be wondering what the difference is between the two. That is simple.

  • A Domestic insurer is one that has been formed under the laws of the state of Missouri.
  • A Foreign insurer has been formed under the laws of any state, district, territory, or commonwealth of the United States other than the state of Missouri.

Both types of insurers are required to follow the laws that govern car insurance in the Show-Me State regardless of where or how they were formed, so the choice between which type you want is really a personal one.

What Missouri state laws should you know?

The law is filled with hurdles and loopholes. Understanding the laws that insurance companies and drivers in the Show-Me State must follow can go a long way towards helping you save money on your car insurance policy though.

After all, the more you know the better your chances are of avoiding future problems. We are here to help you with that. Keep reading to find out about the laws and regulations that keep you and your family safe while driving in the Show-Me State.

The Show-Me State has various laws and regulations put in place to keep you safe behind the wheel.

Some of these mandate how much car insurance coverage that you must purchase as we discussed in a previous section. Other laws dictate the process for which you can become a licensed driver in the Show-Me State and how you can go about registering your vehicle.

We have done the leg work for you and put the most relevant information regarding all of these types of things in one convenient place. Keep scrolling to find out what these laws and regulations mean to you as you shop for your car insurance policy.

How are state laws determined?

As with most states, the laws in Missouri begin in the State Legislative Branch. This branch of your state government doesn’t work alone though.

The State legislature works with the Missouri Department of Revenue and the Missouri Department of Transportation to help determine the types of laws that can help make residents of Missouri safer when out on the roadways.

One of the ways that the Missouri State Legislature has worked to protect you as a responsible motorist is through its passage of HB339 in 2013. This law states that:

An uninsured motorist waives the ability to collect of non-economic loss as the result of a car accident.

The only exceptions to this law are if the accident was caused by a driver who was under the influence or if your car insurance policy had been canceled in the last 6 months without proper notification.

Missouri is also a fault state which means that the fault of the accident must be determined first before any claims can be settled.

If you are found to be at d=fault for an accident, or you have one too many points on your driver’s license, you could be placed into the high-risk category.

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High-Risk Insurance

If you are found to be a high-risk driver in the Show-Me State you could be forced to pay more for your car insurance policy. You may also find it difficult to find coverage at all through the normal marketplace.

The Missouri Department of Insurance can help you if that becomes the case. In an effort to ensure that all drivers on the roadways in the Show-Me State have car insurance Missouri has created the Missouri Automobile Insurance Plan.

In order to qualify for this plan, you must declare and certify that you have tried through traditional means to obtain car insurance but have been denied within the 60 day period prior to your application to this plan.

You must also have a valid driver’s license to be eligible. You can ask a car insurance agent for more information or you can contact the Missouri Department of Insurance through one of the following ways:

High-risk drivers are not the only ones who can sometimes find it difficult to get car insurance. Sometimes just making ends meet makes it tough.

Low-Cost Insurance

Missouri does not have a specific program geared towards low-income drivers but it never hurts to ask the Missouri Department of Insurance if you qualify for the Missouri Automobile Insurance Plan.

Car Insurance Discounts From the Top Providers in Missouri

Insurance CompanyAvailable Discounts
Allstate: Best Car Insurance in MissouriSafe Driver, Multi-Policy, Multi-Car, New Car, Smart Student, TeenSmart Driver, Early Signing, Responsible Payer, Drivewise (usage-based)
American Family: Best Car Insurance in MissouriSafe Driver, Multi-Policy, Multi-Car, Homeowner, Good Student, Steer Into Savings (switching provider), Loyalty, TeenSafe Driver, Low Mileage, Defensive Driver
Farmers: Best Car Insurance in MissouriSafe Driver, Multi-Policy, Multi-Car, Homeowner, Good Student, Distant Student, Alternative Fuel Vehicle, Signal (usage-based), Anti-Theft
Geico: Best Car Insurance in MissouriSafe Driver, Multi-Policy, Multi-Car, Good Student, Military, Federal Employee, Emergency Deployment, Defensive Driver, New Vehicle, Anti-Theft, DriveEasy (usage-based)
Liberty Mutual:Best Car Insurance in MissouriSafe Driver, Multi-Policy, Multi-Car, Anti-Theft, Hybrid Vehicle, Good Student, Military, Homeowner, RightTrack (usage-based), Early Shopper
Nationwide: Best Car Insurance in MissouriSafe Driver, Multi-Policy, Multi-Car, Defensive Driving, Good Student, SmartRide (usage-based), SmartMiles (pay-per-mile), Affinity Member, Accident-Free
Progressive: Best Car Insurance in MissouriSafe Driver, Multi-Policy, Multi-Car, Homeowner, Good Student, Continuous Insurance, Online Quote, Snapshot (usage-based), Teen Driver
State Farm: Best Car Insurance in MissouriSafe Driver, Multi-Policy, Multi-Car, Good Student, Safe Vehicle, Steer Clear (young drivers), Drive Safe & Save (usage-based), Anti-Theft
Travelers: Best Car Insurance in MissouriSafe Driver, Multi-Policy, Multi-Car, Good Student, Homeowner, Hybrid Vehicle, New Car, Pay-in-Full, Continuous Insurance, IntelliDrive (usage-based)
USAA: Best Car Insurance in MissouriSafe Driver, Multi-Policy, Multi-Car, Good Student, Military, Loyalty, New Car, Anti-Theft, Low Mileage, Defensive Driver, Family Discount, Stored Vehicle

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You can also ask your car insurance provider if you qualify for particular types of discounts such as student, safe driver, or military personnel discounts. Shopping around and maintaining a clean driving record can also help keep your costs down.

Taking a defensive driving course can also go a long way towards bringing down your car insurance rates.

Windshield Coverage

Sometimes no matter how safe you drive something always seems to happen. When it does it is comforting to know that you have chosen the right car insurance provider.

Having the right car insurer on your side can make all the difference when it comes to filing a claim. One claim that most people never see coming usually revolves around the replacement of their windshield.

According to Carwindshields.info, there are no unique laws regarding windshields and how car insurance providers must handle claims. Your car insurance provider may designate a specific shop to do the repairs though, and if you deviate from their recommendation you could be left paying the difference.

The Show-Me State does require that your car have a windshield too and that it is free from obstructions such as stickers, posters, or signage.

Your windshield must also be free from cracks longer than 3 inches and breakage that has missing pieces.

Penalties for violations are determined by the county and could result in a fine as well as the failure to pass the State Safety Inspection.

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Automobile Insurance Fraud in Missouri

Missouri does not just have laws governing the state of your windshield. There are also laws that help protect you from fraud after a car accident.

The Missouri Department of Insurance takes fraud so seriously that it even provides an online quiz to help you understand how to protect yourself.

According to FindLaw.com, some of the penalties for committing fraud can include:

  • Jail time
  • Fines
  • Restitution

Some types of fraud include the following:

  • Unbundling-This is when a medical professional includes several smaller procedures in the place of a comprehensive one.
  • Upcoding-This is when a medical provider claims more serious of extensive procedures than the ones actually being performed.
  • Duplicating-This is what insurance investigators call it when a medical provider submits the same claim to several agencies.

Medical providers are not the only ones who can commit fraud either. The repair shop and your car insurance provider can also be guilty of it.

Usually, when this occurs it is because a repair shop has claimed more extensive damage than what was actually done during an accident or when your car insurance provider takes the money for your premiums and does not deposit it.

Consumers can also be found guilty of fraud if they claim previous injuries or property damage as part of a car accident. Failure to report any change in your status that might impact your discounts or policy may also make you guilty of fraud.

If you feel that you or someone you love has been the victim of fraud you should report it to the Missouri Department of Insurance:

  • By phone at 573-751-2640
  • Or by contacting the Office of Mary Johnson, Chief of Investigations for the Missouri Department of Insurance by mail at P.O. Box 690, Jefferson City, MO 65102-0690

Fraud has a 10-year statute of limitations in the Show-Me State.

Statute of Limitations

The crime of fraud is not the only thing to carry a statute of limitations in the state of Missouri.

There is also a statute of limitations on personal injury claims which runs five years from the date of the incident.

While statutes of limitations are pretty commonplace nationwide, there are some laws that are unique to the Show-Me State.

Missouri Specific Driving Laws

If you are a side street driver it could pay to keep your hands to yourself because in the state of Missouri it is illegal to honk the horn of someone else’s car.

Don’t leave your car parked while it is running in the Show-Me State either or you might scare the horses and be breaking the law.

These laws seem funny to many of us today but they were passed for a reason in their day, and they still stand on the books. There are also more practical laws on the books in the Show-Me State. Keep scrolling to find out what they are.

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What are the state’s vehicle licensing laws?

Some of the laws in the great state of Missouri regulate how you register your vehicle and how you go about getting a driver’s license.

According to the Missouri Department of Revenue, you do not have to register your moped or bicycle and neither one requires a state inspection.

Moped operators and drivers of motorized bicycles do need to have a driver’s license though.

If you are a resident of Missouri you must also register your vehicle with the state and obtain both car insurance and a driver’s license before hitting the open road.

To register a vehicle you must bring the following documents to your local licensing office:

  • Proof of ownership of the vehicle
  • Application for Missouri Title and License (if applicable)
  • Your current car insurance ID card
  • Your safety inspection documents
  • the VIN of the vehicle
  • And enough money to pay all of the fees.

There are specific documents that you will need to bring with you to an unrestricted driver’s license as well.

  • Proof of identity
  • Proof of Social Security number
  • Proof of residency

The state of Missouri also requires that you take the vision test, road test, and written test if you have never had a license before.

Missouri is also REAL ID compliant.

In order to get a REAL ID in the Show-Me State, you must bring 1 of the following to the licensing office:

  • Valid U.S. Passport
  • Valid U.S. Passport card
  • Certified copy of your birth certificate or proof of U.S. birth abroad
  • Certification of Naturalization
  • Certificate of citizenship
  • Valid Permanent Resident Card
  • Valid Foreign Passport stamped approved or processed for an I-551
  • Valid Arrival/Departure Record I-94 with “Temporary I-551” stamp
  • Valid Employment Authorization Document (EAD)
  • Valid Foreign Passport with a valid, unexpired US visa accompanied by an I-94
  • Valid Out of State Real ID driver’s license, permit or identification card
  • Valid Missouri Real ID driver’s license, permit, or identification card

You must also prove your lawful status within the United States, and provide your social security number with proof such as:

  • A Social Security Card
  • W-2 form
  • SSA-1099 Form
  • Non-SSA-1099 Form
  • A paystub with your Social Security number on it

If you want to fly or enter government buildings within the United States you are going to need a REAL ID. To make sure that you have all that you need, the Missouri Department of Revenu has provided an interactive online guide.

Penalties for Driving Without Insurance

Whether you are registering your vehicle or getting your driver’s license you are going to need car insurance to do it. You are also required to maintain continuous coverage thereafter so long as you are on Missouri’s roadways.

Should you choose to drive without insurance in the Show-Me State the penalties are as follows:

  • Four points on your license
  • Up to a $300 fine
  • Possible jail for 15 days
  • Possible license suspension

If you get a ticket for driving without insurance be aware that the points you get for it will stay on your Missouri driver’s license forever.

Insurance is connected to the vehicle and not the person as well so if you drive your buddy’s car and it is uninsured you will get the points even if you can prove that you have a car insurance policy in your name on another vehicle.

Missouri is not messing around, and you shouldn’t either. Keep reading and let us help you find the right car insurance provider to help you stay out of trouble.

Teen Driving Laws

Just like the laws that mandate the purchase of car insurance and those that determine how you register your car there are a specific set of laws geared towards teen drivers.

Some of these laws are specific to how teen drivers become drivers in Missouri in the first place.

The Show-Me State uses a graduated licensing procedure for teens.

In order to apply for a driver’s license, the teenager must present the same forms of identity as those applying for an unrestricted license. The teenage driver must also complete the written exam at the Missouri State Highway Patrol Station and bring proof of that completion with them to the licensing office.

According to the Insurance Institute for Highway Safety (IIHS), you must be at least 15 years old to apply for an instructional permit in Missouri. You must also hold that permit without incident for 12 months before you can move onto the next stage.

During the holding period, you must complete 40 hours of supervised daytime driving and 10 hours of supervised nighttime driving that must be logged by an accompanying licensed driver who is over the age of 21 years.

At age 16 you may apply for an intermediate driver’s license if you have completed the previously mentioned requirements.

You will be allowed to drive unsupervised at this stage except for between the hours of 10 pm to 6 pm Sunday through Thursday and 11;30 pm to 6 am on Friday through Saturday. Nightime restrictions are lifted after 6 months of incident-free driving.

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Older Drivers

Young drivers have their own unique sets of challenges, but so do older drivers. As we age our response times slow and our vision can sometimes deteriorate.

Because of the age-related limitations, the Show-Me State has specific regulations that limit the renewal process or licensing cycles for older drivers according to the IIHS.

Residents of the state of Missouri who are 70 years of age or older must renew their license every three years. They must also pass a vision test every cycle.

Sometimes it is just time to give up the keys though, and if you notice that an elderly friend or family member has reached that stage then you will need to have the hard talk with them in order to keep them safe.

Just remember that if you have to talk with someone you love about hanging up the keys for good you are doing it out of love.

New Residents

If you are new to the Show-Me State then you will certainly have a lot of questions. Some of these questions will inevitably surround how you go about tagging your out-of-state vehicle or exchanging your license from your previous home state for a new Missouri driver’s license.

Thankfully the requirements for new residents are pretty much the same as they are for current ones. The only difference is that when titling and tagging a vehicle in the Show-Me State which has previously been registered in a different state you will need to bring all of your paperwork from that state with you to the tag office.

This includes your out-of-state titling paperwork and the out-of-state title.

If you are trying to get a Missouri driver’s license and you have held one in your previous home state them you must bring that out-of-state license with you for surrender.

Driver’s License Renewal Procedures

Once you get your license you will need to keep it up-to-date. This means going through the renewal procedure.

AAA states that drivers who are between the age of 18 and 20 have a license that expires in a three-year time period. At that point, they will need to renew it.

If you are between the ages of 21 and 69 you may get a license every six years, but once you reach the age of 70 your driver’s license renewal cycle will revert back to three years.

You can renew your driver’s license in-office, or by mail.

Military personnel and their dependents are exempt from exchanging their out-of-state license for ones issued by the state of Missouri if they claim a place of residence in a different state.

If you are not a U.S. citizen then your renewal cycle may be different based on the expiration dates on the documentation that you submitted when obtaining your license.

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Negligent Operator Treatment Systems

Now that you have your driver’s license you will want to keep it blemish-free. Doing this will help you keep your car insurance premiums at a minimum.

The best way to keep your driving record clean is to understand how the point system in Missouri works in order to avoid accruing any.

Some of the usual ways that drivers rack up points (along with their point values) are as follows:

  • First Conviction DUI (two points)
  • Speeding (three points)
  • Reckless Driving (four points)
  • A Felony involving a motor vehicle (12 points)
  • Driving with a suspended or revoked license (12 points)

If you accrue 4-12 points in a 12 month period you will receive a letter from the Missouri Department of Insurance warning you about your situation.

If you add eight more points from that moment forward into the next 18 months you will have your driving privileges suspended for 30 days for the first offense, 60 days for the second, and 990 days for a third.

Once you have your driving privileges reinstated you will see a four-point reduction on your driving record.

The Department of Revenu will revoke your driving privileges if you get the following:

  • 12 or more points in 12 months
  • 18 or more points in 24 months
  • 24 or more points in 36 months

To find out how many points that you have against your Missouri driver’s license you can call (573) 526-2407 or send an e-mail to [email protected].

What are the rules of the road?

Now that you know what the penalties are for breaking the rules of the road you are probably curious to know more about what some of those rules are.

Knowing what they are can help you stay out of trouble and save money on your car insurance policy. Keep scrolling to find out how we can help.

No-Fault Vs. At-Fault

If you have been shopping for car insurance then you have definitely come across the terms “no-fault” and “at-fault” in reference to state laws. So what do these terms mean?

  • A no-fault state is one in which everyone involved in an accident is responsible for paying for their own medical expenses and property damage.
  • An at-fault state makes the person deemed to be “at-fault” for the accident assume responsibility for the injuries and property damage that they have caused.

Missouri is an at-fault state which means that if you cause an accident you will have to take care of anyone that was harmed by your actions.

This is why it is so important to choose the right provider who can help you out if you are ever found at fault.

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Seat Belt and Car Seat Laws

While at-fault and no-fault systems may vary from state to state almost every state requires the use of seat belts and car seats when traveling in a motor vehicle.

According to IIHS, failure to wear a seat belt while traveling in a motor vehicle is a primary offense. This means that law enforcement does not need any other reason to pull you over and ticket you for it. The fine is $10.

All persons riding in a motor vehicle who are 16 years of age or above in the front seat must be belted. All children 3 years of age or younger who are under 40 pounds must be in a child restraint.

If the child is between the ages of 4-7 years old and weighs at least 40 pounds but is still less than 80 pounds they must be in either a child restraint or booster seat.

Children over 4 years of age who are over 80 pounds or over four feet, nine inches tall must be in either a booster seat or seat belt.

Violation of the child safety bet laws will result in a fine of $50 if the child is less than 80 pounds or four feet, nine inches tall.

The law in Missouri does not preference the back seat but studies have shown that children are safest when riding there.

Keep Right and Move Over Laws

The Show-Me State wants to ensure that every motorist on Missouri roadways stays safe. For this reason, the Missouri State Highway Patrol has tried to make everyone aware of the laws that govern passing and lane usage.

These laws also state that it is illegal to linger in the left lane if there are two or more lanes. Failure to keep right could result in a fine.

Missouri also has a Move Over law which is designed to keep members of law enforcement and emergency personnel safe while they are working along the roadside.

This law requires that drivers move over one lane if they see law enforcement, emergency vehicles, or transportation workers displaying red, red, and blue, or amber lights. If you can’t move over safely then you must reduce your speed.

Violation of this law could result in fines and/or imprisonment.

Speed Limits

Missouri also has various laws that govern just how fast you can drive and where. According to IIHS, these speed limits for interstate driving are 70 MPH.

Interstates aren’t the only roadways to have speed limits in the Show-Me State. Missouri also has the following limits on speed in other areas:

  • 65 MPH on rural expressways
  • 55 MPH on state lettered highways
  • 25 MPH in cities, towns, and villages where posted
  • 20 MPH in most school zones

Missouri law also states that:

No vehicle shall be operated at a speed of less than forty miles per hour on any highway which is part of the interstate system of highways.

The only exception to this law is for weather conditions or agricultural equipment and the like.

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Ridesharing

While speeding laws have been around forever and go through slow changes over time, not all laws in the Show-Me State seem so constant.

The rise in popularity of rideshare apps like Uber and Lyft has cause Missouri lawmakers to rethink the laws that govern taxis in an effort to change with the times.

One of the most sweeping changes regarding rideshare in the Show-Me State occurred with the passage of HB130 in 2017.

This law allowed rideshare companies to expand across Missouri causing concerns for insurance companies who are still trying to figure out who should cover what in case a rideshare vehicle should be involved in a car accident.

When rideshare first emerged drivers wishing to take up the occupation were covered under their traditional policies so long as they notified their car insurance provider.

The Show-Me State now has three car insurance companies that offer specific rideshare endorsements on the policies that they write for customers wishing to use their personal vehicle for ridesharing.

State Farm, USAA, and American Family have made good strides to stay as current as of the Missouri laws when it comes to ridesharing. You don’t necessarily have to choose one of these carriers though.

If you are with another car insurance provider or leaning towards one as you shop, be sure to ask your agent what the policies and costs of being a rideshare driver might be should you choose to purchase a policy from them.

According to the Insurance Journal, Missouri has also advanced legislature that will require all rideshare drivers to undergo a background check before taking on passengers. This legislation would also require rideshare companies to ensure that vehicles in their service are covered by car insurance.

As you can see, Missouri has been busy trying to protect you and all drivers on its roadways.

Automation on the Road

There are currently no laws on the books that govern the use of autonomous use on Missouri roadways. That doesn’t mean that lawmakers aren’t thinking about them though.

In 2018 legislation that was related to self-driving cars was being filed by both the state House and Senate. These proposals discussed the possibility of vehicle platooning as a means for introducing autonomous vehicles onto the roadways in the Show-Me State.

According to the National Conference of State Legislatures (NCSL), these proposals failed in early 2019, but that doesn’t mean this is the end of the story.

Lawmakers in Missouri will go back to the drawing board and draft new proposals that could bring self-driving cars to a road near you in the near future so stay tuned.

What are the safety laws?

As you can see, there are a number of laws in Missouri that are designed to keep you and your fellow drivers safe while in the road. Laws in the Show-Me State don’t just cover ridesharing or autonomous technology either.

Missouri has also enacted laws regarding things such as driving under the influence and distracted driving. Knowing what these laws are can help keep you safe and your car insurance rates down. Scroll down to find out how.

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DUI Laws

If you are pulled over in Missouri and are found to have a BAC higher than 0.08 you will be cited for DUI. If your BAC is 0.15 it is considered high and the penalties will be increased.

According to NOLO, some of these penalties include:

  • First Offense-The first time you are charged with DUI you could face up to six months in jail, a fine of up to $1,000, a license suspension of 30 days followed by a 60 day period of a restricted license, and the possibility of an Ignition Interlock Device installed on your vehicle.
  • Second Offense-Your second offense could result in up to 1 year in jail, a fine of up to $2,000, a five-year license revocation, and six-month minimum use of an Ignition Interlock Device.
  • Third Offense-The third time that you are caught driving under the influence you will face up to four years in jail, a fine of up to $10,000, a 10-year license revocation, and six-months minimum use of an Ignition Interlock Device once you get your driving privileges back.

There is also a five-year Look-Back Period in Missouri which means that a drunk driving offense will remain on your driving record for five years after you have been charged.

The consequences could be much worse than a revoked license if you choose to drink and drive so always designate a driver.

Marijuana-Impaired Driving Laws

Missouri also has a number of fines and penalties that you could face if you are convicted of DWI.

Some of these include:

  • First Offense-The first time that you are convicted you could face up to six months in jail, be required to participate in a substance abuse program, and a 30-day mandatory license suspension.
  • Second Offense-A second offense within five years is considered a class A misdemeanor and carries with it the possibility of jail time of up to 1 year, 30 days of community service, a fine of up to $1,000, and a two-year license suspension,
  • Third Offense-This is a class D felony that carries with it up to four years in jail, 60 days of community service, a fine of up to $5,000, and a three-year license revocation
  • Fourth Offense-This class C felony carries with it up to seven years in jail, a fine of up to $5,000, and a license revocation of three years at a minimum.
  • Fifth Offense-Considered a class B felony, if you are caught drugged driving a fifth time you will face up to 15 years in jail, and your license will be revoked for three or more years.

The Show-Me State is also entitled to conduct sobriety check-points according to the Missouri State Constitution. Like drinking and driving then, the risk is just not worth it.

Distracted Driving

Everyone has been guilty of distracted driving at some point. In Missouri, though this behavior could cost you. This is especially true if you are caught texting and driving under the age of 21 which is a primary offense in the Show-Me State according to the National Conference of State Legislatures (NCSL).

A primary offense means that law enforcement does not need any other reason to pull you over outside of being caught texting and driving.

Missouri is also looking to expand the texting ban in the very near future.

According to AAA, several cities in the Show-Me State already have such a ban so if you are traveling through Chesterfield, Ellisville, Florissant, Kirkwood, Lake St. Louis, Manchester, O’Fallon, St. Charles, or St. John be aware that it doesn’t matter how old you are because texting and driving in these cities is illegal full stop.

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What do you need to know about driving in Missouri?

Driving comes with risks no matter where you live. Sometimes these risks aren’t even from other drivers either.

Things like weather conditions and vehicle theft in your area can have a huge impact on the types of car insurance coverage you might want to consider as you shop for your policy.

Understanding the specific risks involved in operating your motor vehicle on Missouri’s roadways could go a long way towards keeping your car insurance rates low too. Keep reading to find out how we can help you with that.

Is there a lot of vehicle theft in Missouri?

The number one car stolen in the Show-Me State is the 2004 Ford pickup.

Make/ModelRankVehicle YearThefts
Ford Pickup (Full Size)12004880
Chevrolet Pickup (Full Size)22000783
Dodge Caravan32003465
Dodge Pickup (Full Size)42001410
Chevrolet Impala52008369
Jeep Cherokee/Grand Cherokee61998289
Honda Accord71997274
Ford Taurus82002250
Chevrolet Malibu92015243
Toyota Camry102014236

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Just because you may not own any of the vehicles on this list doesn’t mean that extra coverage such as comprehensive isn’t a good idea. Comprehensive coverage can protect you from vandals, natural disasters, and animal strikes as well.

Since vehicle theft is more likely than any of these though it is worth taking a deeper look into.

Vehicle Thefts by City

When considering how vehicle theft might impact your rates it is a good idea to understand how prevalent it is in the city that you live in.

The data below was gathered from the FBI website and it shows the top 10 cities in Missouri when it comes to vehicle theft.

CityMotor Vehicle Thefts
Kansas City4,287
St. Louis3,330
Springfield1,146
Independence792
St. Joseph296
Joplin253
Columbia166
Blue Springs128
Raytown119
Lee's Summit109

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If you live in one of these cities comprehensive coverage might be a good option to consider when purchasing your car insurance policy.

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How many road fatalities are there in Missouri?

Getting behind the wheel of a car can be a fun and freeing experience but it doesn’t come without risk. Most of us don’t like to think about this when we set out on the open road.

Taking some time to think about it as you shop for your car insurance policy could not just save you a few bucks; it could also save your life. Keep reading to find out more.

Fatal Crashes by Weather Conditions and Light Conditions

We have all been there. You are on the way home from work and the sun is setting in just the right place where the visor won’t shield your eyes from baking in the late evening sun.

This isn’t just a nuisance. It can also be dangerous. Snow and rain can also cause unforeseen incidents to occur when you are out on the road. Take a look at the table below to see how.

Weather ConditionDaylightDark, but LightedDarkDawn or DuskOther / UnknownTotal
Normal44011820227769
Rain256160148
Snow/Sleet501006
Other85120025
Unknown3460215
TOTAL481133237210863

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It is no surprise that most fatal accidents occur during daylight hours since that is when most people are on the road.

Driving at dusk or dawn and during certain types of weather can also be dangerous though so slow down and be aware at all times while behind the wheel. It could save you money and save your life.

Fatalities (All Crashes) by County

Part of being a responsible driver is knowing where traffic fatalities are more likely to occur. Take a look at the crash statistics below collected by NHTSA to see where your county stacks up.

County2013 Fatalities2014 Fatalities2015 fatalities2016 Fatalitues2017 fatalities
Adair22045
Andrew42272
Atchison00311
Audrain25357
Barry137597
Barton42300
Bates01532
Benton67710
Bollinger35243
Boone1018152717
Buchanan1266412
Butler10471113
Caldwell01221
Callaway371499
Camden6119118
Cape Girardeau78121214
Carroll11124
Carter41630
Cass15812149
Cedar42303
Chariton21121
Christian69111112
Clark22232
Clay1918202019
Clinton04422
Cole710584
Cooper45031
Crawford25147
Dade22114
Dallas13265
Daviess11027
Dekalb21154
Dent34543
Douglas31014
Dunklin961259
Franklin2523222114
Gasconade123134
Gentry01100
Greene2823284432
Grundy02321
Harrison31233
Henry24265
Hickory20613
Holt05411
Howard21251
Howell1065148
Iron12423
Jackson72608289111
Jasper208211712
Jefferson2236303935
Johnson15851113
Knox20120
Laclede596123
Lafayette53855
Lawrence7913711
Lewis01221
Lincoln11129118
Linn11425
Livingston20423
Macon21304
Madison04432
Maries26464
Marion44252
Mcdonald97989
Mercer00121
Miller177994
Mississippi27153
Moniteau24333
Monroe02120
Montgomery45945
Morgan19664
New Madrid86489
Newton82661421
Nodaway33253
Oregon14313
Osage13201
Ozark24034
Pemiscot571085
Perry38323
Pettis5118510
Phelps85131321
Pike31852
Platte12971321
Polk83964
Pulaski96477
Putnam02102
Ralls42371
Randolph43516
Ray15434
Reynolds13544
Ripley44445
Saline46376
Schuyler20050
Scotland10121
Scott55552
Shannon52232
Shelby00221
St. Charles1624252737
St. Clair41711
Francois151111109
St. Louis City4437506356
St. Louis County5053697886
Ste.Genevieve56629
Stoddard616137
Stone107798
Sullivan03212
Taney613161011
Texas291657
Vernon37313
Warren85983
Washington147857
Wayne72124
Webster631756
Worth11110
Wright55132

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Knowing how many fatal car crashes have occurred in your county makes it clear why responsible driving habits are so important.

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Urban Vs. Rural Traffic

Everyone knows that there is less traffic in rural areas than there is in urban centers like St. Louis or Kansas City. Less traffic also means fewer accidents too.

Traffic accidents and driving fatalities occur in both settings though which is evidenced by the data collected by NHSTA.

Traffic Fatalities20132014201520162017
Total757766870947930
Rural459471497553465
Urban298295372394465

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As you can see from the data, rural areas in Missouri actually have more traffic fatalities than urban areas. Part of the reason for this is that open areas with little population encourage more careless driving habits since people tend to assume that no one is around so we are less likely to be involved in an accident.

Traffic accidents and road fatalities can occur anywhere though so be careful out there.

Fatalities by Person Type

According to the crash statistics collected by NHTSA, White non-Hispanic occupants account for the most traffic fatalities in the Show-Me State, and most of these fatalities involved occupants in a passenger car.

White non-Hispanic who were not-occupants in a motor vehicle also accounted for the most road fatalities.

In 2016 alone 106 Black non-Hispanic occupants also lost their lives in fatal car crashes. What this means is that no one is immune from the dangers on the road. The best way to stay safe is to pay attention to the road at all times, drive defensively, and obey the laws.

Fatalities by Crash Type

It is not just a certain type of person who is more likely to end up being involved in a fatal car crash. Data from NHSTA reveals that there are also particular behaviors and scenarios which are more likely to lead to a traffic fatality as well.

It might surprise you to know that most crash types in Missouri involved a single-vehicle. Road departure was also the biggest reason for these fatal accidents.

Putting this into perspective it means that if your purse falls off the front seat or your cell phone slides under your feet just leave it there until you can pull off the side of the road safely somewhere to correct the situation.

Keeping your eyes on the road and your hands on the wheel could save your life.

Five-Year Trend for The Top 10 Counties

Knowing how many fatal car crashes have occurred in your county over the past five years is important because it can make you more aware of the things that can lead to this horrible outcome.

Knowing what causes fatal accidents can not only help you stay safe, it can also help you save money.

Below is the table showing the five-year trend for the top 10 counties in Missouri and their rate of fatalities according to NHTSA.

Missouri Counties by 2017 ranking2013 Fatalities2014 Fatalities 2015 Fatalities2016 Fatalities2017 Fatalities
Jackson County72608289111
St. Louis County5053697886
St. Louis City4437506356
St. Charles County1624252737
Jefferson County2236303935
Greene County2823284432
Newton County82661421
Phelps County85131321
Platte County12971321
Clay County1918202019

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These numbers may be scary if you live in one of these counties. If you engage in defensive driving, obey all traffic laws and speed limits, and always designate a driver though you can reduce your risk of being involved in a fatal car crash.

These things can also help you keep your driving record clean.

Fatalities Involving Speeding by County

In today’s world, everyone is in a hurry to get somewhere. Sometimes leaving the house just a few minutes earlier or slowing down just a bit could save your life though.

Take a look at the cost of human life that speeding has inflicted on the residents of Missouri according to NHSTA.

County2013 Speeding Fatalities2014 Speeding Fatlaities2015 Speeding Fatalities2016 Speeding Fatalities2017 Speeding Fatalities
Adair10011
Andrew22112
Atchison00101
Audrain11102
Barry84240
Barton00100
Bates00010
Benton24100
Bollinger04102
Boone43879
Buchanan64512
Butler10247
Caldwell00120
Callaway211125
Camden53385
Cape Girardeau31124
Carroll10102
Carter20010
Cass72113
Cedar41100
Chariton00120
Christian35384
Clark20002
Clay53799
Clinton00100
Cole04230
Cooper33000
Crawford12012
Dade10002
Dallas03123
Daviess10024
Dekalb20011
Dent12101
Douglas30002
Dunklin42434
Franklin129646
Gasconade01173
Gentry00000
Greene1199157
Grundy01210
Harrison11001
Henry11101
Hickory00412
Holt00201
Howard10020
Howell13343
Iron01012
Jackson3521423649
Jasper62742
Jefferson1117101814
Johnson61243
Knox00000
Laclede14271
Lafayette10133
Lawrence21224
Lewis01010
Lincoln28183
Linn00212
Livingston20302
Macon00000
Madison02310
Maries11132
Marion01121
Mcdonald40243
Mercer00000
Miller23621
Mississippi22041
Moniteau10121
Monroe01010
Montgomery12322
Morgan02531
New Madrid22012
Newton34459
Nodaway10112
Oregon12012
Osage10200
Ozark11002
Pemiscot13020
Perry10111
Pettis24303
Phelps23455
Pike00712
Platte34127
Polk31012
Pulaski21225
Putnam00000
Ralls10200
Randolph20003
Ray11122
Reynolds12300
Ripley11023
Saline21110
Schuyler20030
Scotland10010
Scott22020
Shannon21011
Shelby00201
St. Charles6711313
St. Clair00300
St. Francois75543
St. Louis City2122203326
St. Louis County2318212530
Ste. Genevieve13303
Stoddard11112
Stone54373
Sullivan01201
Taney45534
Texas15421
Vernon31111
Warren43311
Washington93023
Wayne31011
Webster11700
Worth11100
Wright14122

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As you can see, St. Louis City, St. Louis County, and Jackson County are the top three counties when it comes to speed-related fatalities.

No matter where you live time may be money but it is currency best spent by slowing down and arriving alive at your destination.

Fatalities in Crashes involving an Alcohol-Impaired Driver

NHSTA has also collected data on fatal crashes in Missouri where an alcohol-impaired driver was involved. Take a look at the table below to see how these statistics have changed over the last few years in your county.

County2013 Alcohol Fatalities2014 Alcohol Fatalities2015 Alcohol Fatalities2016 Alcohol Fatalities2017 Alcohol Fatalities
Adair00001
Andrew11010
Atchison00010
Audrain02002
Barry54241
Barton01000
Bates01000
Benton12100
Bollinger01121
Boone35782
Buchanan32321
Butler21122
Caldwell00100
Callaway21712
Camden41335
Cape Giradeau11335
Carroll00000
Carter20100
Cass71061
Cedar01001
Chariton21000
Christian13115
Clark10012
Clay53556
Clinton02010
Cole23221
Cooper22000
Crawford11020
Dade00001
Dallas02022
Daviess10011
Dekalb20000
Dent11000
Douglas11001
Dunklin24434
Franklin86562
Gasconade01222
Gentry00000
Greene61878
Grundy00100
Harrison10002
Henry01012
Hickory00012
Holt00110
Howard10010
Howell30122
Iron10010
Jackson2719213339
Jasper51424
Jefferson89895
Johnson92031
Knox00000
Laclede12121
Lafayette10213
Lawrence21323
Lewis00010
Lincoln26122
Linn00002
Livingston20001
Macon00101
Madison01100
Maries12002
Marion10110
Mcdonald33323
Mercer00111
Miller84331
Mississippi10021
Moniteau12110
Monroe01000
Montgomery20110
Morgan00211
New Madrid13201
Newton26148
Nodaway12021
Oregon00111
Osage01000
Ozark11010
Pemiscot14102
Perry12101
Pettis24212
Phelps21414
Pike00210
Platte32357
Polk30011
Pulaski51121
Putnam00000
Ralls10030
Randolph10002
Ray02221
Reynolds02110
Ripley22022
Saline21100
Schuyler00030
Scotland00101
Scott32110
Shannon30111
Shelby00000
St. Charles6117711
St. Clair30200
St. Francois43232
St. Louis City1814162315
St. Louis County1514182126
Ste. Genevive10115
Stoddard20313
Stone01232
Sullivan02000
Taney23523
Texas03531
Vernon10311
Warren11531
Washington81213
Wayne00002
Webster20423
Worth00100
Wright11111

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Adults are not the only ones who drink and drive either.

Teen Drinking and Driving

Missouri ranks 13th nationwide in the amount of underage drinking and driving arrests with 182 of these types of arrests occurring in 2016 alone.

The Department of Mental Health in Missouri estimates that teen drinking and driving costs the residents of the Show-Me State approximately $1.4 billion in just 2010 as well.

According to The University of Central Missouri:

Under the “Zero Tolerance Law”, anyone younger than 21 with a blood alcohol content (BAC) of .02 or greater could lose their license.

And that is just for starters.

Anyone caught underage drinking and driving could be subject to arrest, may be sentenced to jail time, and will be forced to pay the fines and court costs associated with their actions.

If you are a teenager and you are considering drinking and driving don’t do it. You could be risking your whole future.

EMS Response Time

If you have ever been involved in a car crash then you know that it seems like forever until help arrives. The fact is though that EMS response times in the Show-Me State are actually pretty good.

According to NHTSA, in a rural area, it takes approximately 21 minutes from the time you call for assistance until help arrives.

Urban areas cut this time almost in half since it only takes around 12 minutes for EMS to arrive on the scene after an accident.

Given the vast distances that can sometimes be between rural areas and medical facilities and the number of cars on urban streets, these response times aren’t to bad.

EMS is busy in Missouri too responding to around 433 rural fatal car crashes a year on average and approximately 430 urban ones.

What is the transportation situation like in Missouri?

Missouri drivers share the road with more than just cars. In fact, it is not usual for you to get stuck behind a piece of agricultural equipment in certain rural areas.

Almost nobody drives a tractor to work in the city though. You are more likely to see cars, bikes, and pedestrians vying for space on city streets.

More people sharing the roadways increases the possibility of incidents no matter how you look at it which is why you will want to make a smart decision when purchasing your car insurance policy. Keep scrolling to find out how we can help.

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Car Ownership

According to Data USA, the average family in Missouri owns two cars.

Insurance rates also double when the number of cars doubles. To be sure you’re receiving the finest bargain when looking for coverage, you should seek the best car insurance in Missouri.

When you decide on a car insurance provider, you will also want to ask them about multi-car discounts as well as student, military, and safe driver discounts in order to save a few bucks.

Commute Times

With the average family owning two cars each in the Show-me State, it is no wonder that commute time in Missouri is around 23 minutes, according to Data USA.

For as long as your commute might seem like it is in the Show-Me State, it is actually below the national average, which stands at around 26 minutes.

Spending any time in traffic increases your chances of an accident, though, so it is a smart idea to consider how far your commute will be and what that will cost you on average before choosing a provider, just like we talked about in the previous sections.

Commuter Transportation

Given how independent residents of the Show-Me State are, it comes as no surprise that most of them choose to travel alone by car on their way to work.

If you choose to drive alone instead of in a carpool, you are taking on the risk of an accident on your own insurance. To make sure you are adequately covered, you should select the best auto insurance in Missouri.

Traveling alone by car also means that you are contributing to Missouri’s congestion issues.

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Traffic Congestion in Missouri

Thankfully, Missouri is not nearly as congested as Boston or Washington, D.C. That is not to say that the Show-Me State doesn’t have congestion.

In fact, according to INRIX, St. Louis ranks 200th in the nation, followed by Kansas City at 198th. All told residents of Kansas City lose around 47 hours to congestion, while residents of St. Louis follow close behind, losing 46 hours annually.

Missouri residents who find themselves stuck in traffic typically see congestion around the peak times of the morning and evening commute.

All told, Americans lost around $305 billion in 2017 to congestion. Missouri is fortunate enough to be comprised of mostly rural areas, which keep their loss of revenue and time to congestion low, relatively speaking.

Just because congestion isn’t costing you as much money as a Missouri resident doesn’t mean you couldn’t stand to save more money.

We hope that we have provided you with enough information to help you make the right decision. Now that you understand how to be a defensive and responsible driver, it’s time to find the best car insurance in Missouri and start saving money on your policy.

Resources

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Average Monthly Car Insurance Rates by Age & Gender in Missouri
Monthly Missouri Car Insurance Rates by ZIP Code
Missouri Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Missouri
Missouri Car Insurers by Market Share %
Average Monthly Car Insurance Rates by Age & Gender in Missouri
Monthly Missouri Car Insurance Rates by ZIP Code
Missouri Car Insurance Rates by Company vs. State Average
Factors Affecting Car Insurance Rates in Missouri
Missouri Car Insurers by Market Share %