Best Auto Insurance Companies in Missouri for 2025

The best auto insurance companies in Missouri are State Farm, American Family, and Auto-Owners.

State Farm’s Drive Safe & Save program gives drivers up to 30% off by tracking safe driving habits through its telematics app.

American Family lets qualifying customers add accident forgiveness to protect against premium hikes after their first at-fault crash (Read More: American Family vs. Travelers Auto Insurance Review).

Top 10 Companies: Best Auto Insurance in Missouri

Auto-Owners backs its policies with strong local agents and dependable claims handling throughout Missouri.

See personalized Missouri car insurance coverage rates and discounts by entering your ZIP code into our online comparison tool.

Average Cost of Auto Insurance in Missouri

Most drivers in Missouri enjoy lower rates thanks to experience and safer driving habits. Find ways to lower your average cost of auto insurance.

Nationwide has the cheapest minimum coverage at around $36 a month, while Allstate tops the list for full coverage at $226 monthly.

Missouri Auto Insurance Monthly Rates by Coverage Level

For many drivers who avoid claims, Auto-Owners and Nationwide keep their rates under $40 a month for minimum coverage.

It pays to compare quotes from Auto-Owners, Geico, and State Farm since each offers good discounts for clean records, low mileage, or bundled policies.

Missouri Auto Insurance Costs for High-Risk Drivers

The best auto insurance companies offer plenty of affordable choices, especially with a clean record.

With years of experience behind the wheel, you’ll often qualify for lower premiums, especially with companies like Auto-Owners and Nationwide, which reward clean driving.

Missouri Auto Insurance Monthly Rates by Driving Record

Even if there’s a ticket or DUI in the mix, State Farm keeps things steady near $49 a month, making it a reliable pick for drivers who need affordable coverage after multiple citations or a license suspension.

Those with minor accidents or tickets can still find fair prices from Geico or American Family, and safe-driver programs can help bring rates back down over time.

Read More: Cheap Auto Insurance for High-Risk Drivers

Missouri Auto Insurance Costs for Young Drivers

Age plays a big role in how much you’ll pay each month for car insurance in Missouri.

Teen males face the steepest monthly rates, with Travelers around $604 and Allstate near $285, largely due to higher risk profiles.

Missouri Auto Insurance Monthly Rates by Age

By your 40s and 50s, prices drop dramatically. Nationwide offers the lowest rate in Missouri at $34 a month, while Auto-Owners comes in at $35 monthly, rewarding steady driving and experience behind the wheel.

Even in your 60s, rates don’t spike much, so you can hang on to reliable coverage without stressing about big jumps in your monthly bill. Understand how to compare auto insurance companies to uncover hidden savings and choose a provider that fits your lifestyle.

Missouri Auto Insurance Costs Across the State

Auto insurance prices in Missouri are kind of all over the place. It really depends on your ZIP code. Across Missouri, from the Springfield suburbs to Kirksville, every city has its own trend when it comes to car insurance.

In smaller towns like Richland, Butler, or Marquand, you’re looking at roughly $37 a month for basic coverage (Learn More: How to Get Multiple Auto Insurance Quotes).

Heavier traffic in urban areas leads to higher prices and more chances for fender benders. Drive into St. Louis, Joplin, or Belton, and rates jump quickly. Full coverage can hit around $150 a month in cities with increased traffic congestion.

Out in Brixey, Lesterville, or Milan, drivers usually snag the best deals because there is less traffic, fewer crashes, and fewer claims. And drivers in smaller towns like Urich, Bethel, and Triplet tend to enjoy some of the lowest monthly rates in the state.

Top Auto Insurance Discounts in Missouri

If you’re driving in Missouri, there’s a good chance you could be saving more on your car insurance. Learn how to save more with the best multi-vehicle auto insurance discounts.

Allstate and Nationwide reward good drivers the most, giving up to 40% off for safe drivers who sign up for usage-based policies.

Top Auto Insurance Discounts in Missouri

State Farm, Auto-Owners, Travelers, and Liberty Mutual are also among the best for usage-based deals, offering up to 30% off.

Geico also offers a competitive 25%, but you can only qualify for UBI discounts if you have a clean driving record.

Liberty Mutual offers the biggest discount with anti-theft devices and another 25% off for bundling multiple policies.

Allstate and American Family both hand out around 25% off when you bundle policies or stay claims-free, and Progressive gives solid price cuts for safe drivers.

Other Ways to Save on Auto Insurance Companies in Missouri

Even outside of company discounts, there are a few smart ways Missouri drivers can keep their insurance costs low.

These simple auto insurance changes can really add up, helping lower your monthly premiums and boost your savings on coverage over time.

• Raise your deductible to lower your premium.
• Keep your credit score solid for better rates.
• Take a defensive driving course for a safety discount.
• Compare quotes at least once a year.
• Drive less to qualify for low-mileage savings.

Small steps like these can stack up fast, helping Missouri drivers save hundreds a year while staying fully covered and confident on the road.

Checking auto insurance quotes now and then and using safe-driver or multi-car discounts can make those savings grow even more.

10 Best Auto Insurance Companies in Missouri

From tech-savvy apps to local agents who actually know your town, Missouri drivers have plenty of ways to save and stay protected.

Together, these five companies shape how Missourians find coverage. They pretty much set the pace in Missouri, shaping prices and deals.

State Farm leads the pack with 34% of the market, followed by Progressive, AmFam, and Geico.

Their massive market share helps keep rates balanced while giving drivers plenty of options to compare. Find the cheapest car insurance in Missouri for your budget.

Whether you like working with local agents or prefer managing your policy online, these providers influence pricing, perks, and how Missourians stay protected behind the wheel.

Shopping for car insurance in Missouri doesn’t have to be a headache. Whether you’re chasing lower rates or rewards for safe driving, these ten companies have you covered.

#1 –  State Farm: Top Overall Pick

Pros

• Safe-Driver Perks: Missouri drivers can snag up to 30% off with the State Farm Drive Safe & Save app, just by keeping good habits on the road.
• Rock-Solid Ratings: With an A++ A.M. Best score, Missouri customers get peace of mind knowing their insurer is financially sound.
• Family Savings: Adding a teen in Missouri to your plan can earn up to a 15% student discount, which helps cut down big rate jumps, according to our State Farm review.

Cons

• Rates Still Climb: Even with discounts, full coverage rates in Missouri can run 10–15% higher than some local companies.
• Limited Local Flexibility: Drivers in smaller Missouri towns might not see as many personalized options as they would with smaller insurers.

#2 – American Family: Best for Low-Mileage Drivers

Pros

• MilesMyWay Program: Low-mileage Missouri commuters can save 10–25% through this app-based tracking program that rewards lighter driving.
• Accident Forgiveness: Missouri drivers get peace of mind knowing a first at-fault crash won’t cause rate hikes, helping preserve monthly savings.
• Bundling Benefits: American Family review shows that combining auto and home policies can save Missouri families up to 29% on total premiums.

Cons

• App Can Be Glitchy: Some Missouri drivers say the MilesMyWay app doesn’t always track their miles right, which can mess with how much they save.
• Not All Discounts Apply Everywhere: Depending on your Missouri ZIP code, you might miss out on perks like paperless billing or early renewal savings.

#3 – Auto-Owners: Best for Bundling Policies

Pros

• Bundling Power: Missouri drivers can save around 20% when combining auto, home, and umbrella policies. More details in our Auto-Owners review.
• Claims Satisfaction: Backed by an A++ A.M. Best rating, Auto-Owners keeps Missouri customers happy with fast, hands-on claims handling.
• Safe Driver Plus Program: Clean-record Missouri drivers earn tiered rewards that lower premiums after each claim-free year.

Cons

• Agent-Only Sales: Missouri drivers must go through local agents, which can slow the quoting process for those who prefer online convenience.
• Fewer Tech Tools: Compared to competitors, Auto-Owners offers limited mobile app features for Missouri policy management.

#4 – Farm Bureau: Best for Regional Support

Pros

• Strong Local Presence: With offices across small Missouri towns, drivers get face-to-face help from agents who understand regional risks.
• Member Savings: Missouri Farm Bureau insurance review highlights that members can access exclusive coverage packages that cut rates by 15–20%.
• Farm Equipment Add-On: Missouri policyholders can include tractors and trailers under one policy for broader protection.

Cons

• Membership Requirement: Non-members in Missouri must pay a small annual fee to access insurance benefits.
• Less Competitive Urban Rates: Drivers in Missouri cities like St. Louis may find Farm Bureau’s premiums higher than larger national carriers.

#5 – Allstate: Best for Customer Satisfaction

Pros

• Solid Reputation: Holding an A+ A.M. Best rating, Allstate offers Missouri drivers long-term security and reliable claim payments.
• Drivewise Program: Missouri drivers can save up to 25% with Allstate’s usage-based program that tracks safe driving habits. Find out more in our Allstate review.
• Add-on Options: With extras like gap insurance and accident forgiveness, Missouri policyholders can personalize protection easily.

Cons

• Higher Premiums for High-Risk Drivers: Missouri motorists with prior violations often pay up to 18% more than with competitors.
• Discount Restrictions: Some Allstate savings, such as new car or early renewal discounts, don’t always apply in every Missouri ZIP code.

#6 –  Geico: Best for Federal Employees

Pros

• Military & Federal Perks: Geico car insurance offers special Missouri discounts for military members and government employees, which can trim another 15% off.
• Affordable Options: Missouri drivers can lock in rates starting around $38 a month for basic coverage, one of the lowest among major insurers.
• High-Tech Discounts: Using Geico’s DriveEasy app, safe Missouri drivers can earn up to 25% off for maintaining clean records. Learn more in our Geico insurance review.

Cons

• Limited Local Agents: Missouri customers who prefer in-person help might find Geico’s online-first approach less personal.
• Price Jumps After Claims: Even one minor accident in Missouri can cause premiums to climb faster than some regional competitors.

#7 – Liberty Mutual: Best for Add-On Coverage

Pros

• Strong Add-On Options: From new car replacement to better car replacement, Missouri policyholders can upgrade coverage with unique extras.
• RightTrack Program: Missouri drivers can save up to 30% after completing the Liberty Mutual telematics program for safe driving.
• Bundle Rewards: Pairing home and auto insurance in Missouri often cuts costs by 20% or more, making multi-policy savings easy. Find insights in our Liberty Mutual review.

Cons

• Above-Average Starting Rates: Missouri drivers with limited credit or newer cars may see slightly higher base prices before discounts kick in.
• Mobile App Bugs: Some Missouri users report occasional issues with the app’s claim tracking and document upload tools.

#8 – Progressive: Best for Accident Forgiveness

Pros

• Strong Accident Coverage: Progressive insurance review shows that large-accident forgiveness can keep Missouri premiums steady even after a major claim.
• Name Your Price Tool: Missouri drivers can set a monthly budget and see coverage options that fit within it—no guesswork needed.
• Snapshot Rewards: Safe drivers in Missouri can save up to 30% with Progressive’s Snapshot program, which tracks driving behavior.

Cons

• High-Risk Premiums: Missouri drivers with past tickets or DUIs might still pay up to 20% more than average, even with discounts.
• Mixed Customer Reviews: Some Missouri drivers say Progressive’s claim response time can feel slow during peak periods.

#9 – Nationwide: Best for Low Rates

Pros

• Affordable Coverage: Nationwide offers the cheapest auto insurance in Missouri, with monthly rates as low as $34 for older drivers with clean records.
• SmartRide Program: Missouri drivers who drive safely can save up to 40% as stated in our Nationwide review. It is one of the biggest telematics discounts out there.
• Vanishing Deductible: Each year of safe driving in Missouri knocks $100 off your deductible—up to a $500 total savings.

Cons

• Fewer Perks for New Drivers: Missouri teens and new policyholders won’t qualify for some loyalty or renewal-based discounts right away.
• Mid-Tier Digital Tools: While solid, Nationwide’s mobile app still lacks some of the detailed tracking features Missouri drivers might expect.

#10 – Travelers: Best for Higher Coverage

Pros

• High Coverage Limits: Travelers insurance review highlighted that the broad coverage options give Missouri drivers generous liability protection.
• IntelliDrive Savings: Safe Missouri drivers can earn up to 30% off after 90 days of monitored driving through Travelers’ app.
• Strong Multi-Policy Discounts: Bundling auto and home coverage in Missouri can save about 13%–20% depending on the plan.

Cons

• Limited Availability of Add-Ons: Missouri drivers may not find extras like rideshare coverage or gap protection in every region.
• Premiums for Younger Drivers: Travelers tends to charge higher rates for Missouri drivers under 25, even with good records.

Exploring the Best Auto Insurance in Missouri

Finding the best auto insurance companies in Missouri is all about getting solid coverage without stretching your wallet.

State Farm is our top pick for Missouri car insurance for its high claims satisfaction ratings. It’s Drive Safe & Save can trim up to 30% off your premium.

American Family offers the best rates to low-mileage drivers and provides accident forgiveness, so your first at-fault accident won’t automatically increase your rate.

Auto-Owners provides a multi-policy discount when you bundle auto insurance with other policies.

With perks like these and dependable support, Missouri drivers can easily land on protection that feels right without overthinking it.

Lock in lower Missouri car insurance rates when you enter your ZIP code and check top offers in your area.