Compare Car Insurance Quotes in Missouri (2026)
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Quick Answer — Missouri
- Minimum coverage required: 25/50/25 + UM/UIM — fault state, no PIP requirement
- Avg full coverage cost: $124/month ($2,516/year)
- Cheapest carrier (minimum): Auto-Owners — $34/mo avg
- Cheapest carrier (full coverage): Auto-Owners — $79/mo avg
What's special about car insurance in Missouri
- Fault-based state
- Allows credit-based insurance pricing
- No PIP requirement (unlike no-fault states)
- Auto-Owners (regional Midwest) consistently cheapest for MO residents
Missouri car insurance at a glance
| Feature | Detail | Monthly | Annual |
|---|---|---|---|
| Minimum coverage required | 25/50/25 + UM/UIM — fault state, no PIP requirement | — | — |
| Avg minimum coverage cost | $55/mo | $655/yr | — |
| Avg full coverage cost | $124/mo | $2,516/yr | — |
| Cheapest carrier (minimum) | Auto-OwnersBest | $34/mo | $408/yr |
| Cheapest carrier (full coverage) | Auto-OwnersBest | $79/mo | $948/yr |
Which carrier should Missouri drivers pick?
Match your situation to the right carrier. Missouri-specific pricing varies by carrier, but the patterns below hold for most drivers.
- You want the absolute cheapest minimum coverageAuto-OwnersCheapest in Missouri at $34/mo. Travelers close behind at $40/mo min
- You want full coverage at the lowest priceAuto-Owners$79/mo full coverage in Missouri. Travelers $82/mo full coverage avg
- You qualify for USAA (military / veteran / family)USAAUSAA is almost always cheapest for eligible members in any state — quote them first.
- You bundle auto + homeState Farm23% bundle discount = avg $1,010/yr savings — highest in industry.
- You drive defensively + would let an app monitorProgressive (Snapshot)Avg $322/yr savings for safe drivers. Up to 30% off baseline.
- You have a high-risk record (DUI, accidents, tickets)ProgressiveSpecialty pricing for non-standard drivers — beats GEICO/State Farm in this tier.
Verified by the WalletGrower Editorial Team — current as of October 2026. Rates, fees, and offers can change between our update cycles; confirm on the provider's site before applying.
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$34/mo
Cheapest minimum coverage
$124/mo
State avg full coverage
25/50/25 + UM/UIM
State minimum required
May 2026
Last verified
Our methodology: We research, test, and verify every opportunity to ensure accuracy and value.
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Methodology & sources
All Missouri data on this page was WebSearch-verified May 2026 against the Missouri insurance commissioner / DMV and at least one of the following 2026 carrier analyses:
Caveat: Real quotes vary by ZIP code, age, driving record, credit (where allowed), vehicle, and coverage level. The averages cited are useful for cross-carrier comparison but your actual quote will differ — sometimes by hundreds of dollars in either direction. Always quote 3+ carriers before deciding.
Frequently asked questions about Missouri car insurance
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Car insurance for specific situations
Your premium changes a lot with your driver profile. If any of these apply to you, these guides show the verified cost impact and the cheapest carriers for each situation.
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