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Cheapest Car Insurance Rates In Missouri (2018)

If you’re looking for cheap auto insurance in Missouri and you’ve already compared a few providers, you may have found that quotes can be very different from one company to the next. The reason for this is because insurers have different ways of calculating monthly and yearly premiums, and some providers cater to specific types of drivers.

To simplify your search for the best deal, we’ve compared car insurance rates from nine leading providers to find the most affordable quotes for the following types of motorists:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$112/month estimate

$136/month estimate

Are you a responsible driver? Is your driving history free of at-fault collisions? If you qualify for a safe driver discount, you might be able to save hundreds by switching to State Farm or Esurance—the two providers that our test identified as the cheapest for drivers with no accident history in Missouri.

Best Rates For Teen Drivers

$147/month estimate

$244/month estimate

If you’re looking for cheap auto insurance for teen drivers in Missouri, you should be able to find competitive rates from State Farm and Esurance. Our research used a hypothetical 18-year-old male and female driver who had a spotless traffic record and wanted insurance that met the state’s minimum coverage requirements.

Best Rates For Drivers With A DUI

$122/month estimate

$162/month estimate

A DWI or DUI conviction can cost you long after you’ve completed your sentence. Car insurance companies will see you as a bigger liability, so you’ll most likely have to pay higher insurance rates. If you need to find cheap auto insurance after a DWI in Missouri, State Farm was found by our study to offer very low rates.

Best Rates For Senior Drivers

$84/month estimate

$/month estimate

State Farm was found to offer the best car insurance rates in Missouri for senior drivers. Our researchers also identified Progressive as a carrier that offers competitive rates to drivers in this age group. The motorist in our study was age 65 and commuted 4,000 miles annually.


Our estimates in the “No Recent Accidents” and “DWI” categories are based on a 29-year-old driver. In most segments, the car was a 2014 Toyota Corolla driven 12,000 miles per year. Our data is based on insurance premiums of females and males from five zip codes in MO. Except for the teen driver category, all driver types were shopping for liability coverage with 50/100/25 limits and uninsured motorist coverage of the same limits.

How Much Car Insurance Liability Coverage Are Motorists Required To Purchase In Missouri?

Missouri drivers are required by law to buy car insurance that would pay $25,000 for bodily injuries to one person, $50,000 for bodily injuries in one collision, and $10,000 for property damage. $25,000 per person and $50,000 per accident are also required in uninsured motorist bodily injury coverage.


cheapest car insurance in missouri

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