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Best Cheap Car Insurance in Missouri for 2019

Jan. 2, 2019
Auto Insurance, Insurance
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If you’re looking for cheap car insurance in Missouri, it pays to really look. Insurance costs can rise and fall from one company to the next for seemingly no reason, so you could be overspending by settling for the initial quote you find.

To help Missouri drivers nab the best deal, cheatgame.info researched rates from the 10 largest insurers in the state and found the three cheapest options for several driver types.

Cheapest for good drivers

The cheapest auto insurance carrier we found for Missouri drivers with good credit and clean driving histories is Missouri Farm Bureau, at $94 per month, on average. State Farm and American Family round out the top three with very similar average prices.

InsurerAverage priceGet your rate
*Missouri Farm Bureau is not rated because there is not enough data to evaluate it against larger companies.

cheatgame.info rating: *Not rated

$1,124/year

$94/month


4.0 cheatgame.info rating

$1,183/year

$99/month


4.0 cheatgame.info rating

$1,192/year

$99/month


For this calculation, cheatgame.info averaged rates for 40-year-old men and women with a clean driving record and good credit. With the exception of age, a large portion of drivers are closest to this profile, which carries standard "full coverage" insurance, including state-required coverage.

Cheapest for drivers with poor credit

Missouri Farm Bureau was the cheapest insurer we found for drivers with blemished credit, with an average price of $159 per month. American Family and State Farm complete the list for this group.

InsurerAverage priceGet your rate
*Missouri Farm Bureau is not rated because there is not enough data to evaluate it against larger companies.

cheatgame.info rating: *Not rated

$1,905/year

$159/month

4.0 cheatgame.info rating

$2,016/year

$168/month




4.0 cheatgame.info rating

$2,178/year

$182/month


Poor credit can have a bigger effect on car insurance premiums than even a DUI conviction or a recent accident. To calculate these figures, cheatgame.info averaged rates for 40-year-olds with a clean driving record, poor credit as reported to their insurer, and standard "full coverage" insurance.

Cheapest for drivers with one at-fault crash

Missouri drivers with a recent at-fault crash might want to get a quote from the state’s Farm Bureau, which had an average rate of $102 per month, on average. State Farm and Travelers came in second and third, respectively.

InsurerAverage priceGet your rate
*Missouri Farm Bureau is not rated because there is not enough data to evaluate it against larger companies.

cheatgame.info rating: *Not rated

$1,225/year

$102/month


4.0 cheatgame.info rating

$1,371/year

$114/month


4.0 cheatgame.info rating

$1,784/year

$149/month


To get these figures, we averaged rates for 40-year-olds with one recent at-fault crash and the typical "full coverage" insurance. Your rates will remain high for three to five years after you cause an accident or have a moving violation. If you fall into this category, be sure to shop for new insurance rates just after the three-year and five-year anniversaries of your infraction.

Cheapest for low-mileage drivers

American Family was the cheapest carrier we found for Missourians who clock few miles per year, at $88 per month, on average. State Farm wasn’t far behind in second place, and Missouri Farm Bureau was third-cheapest.

InsurerAverage priceGet your rate
*Missouri Farm Bureau is not rated because there is not enough data to evaluate it against larger companies.

4.0 cheatgame.info rating

$1,050/year

$88/month



4.0 cheatgame.info rating

$1,067/year

$89/month



cheatgame.info rating: *Not rated

$1,124/year

$94/month

Whether you're retired, work at home or often use public transportation, you may be able to get cheaper car insurance simply because you drive less. The rates above are for 40-year-olds with typical "full coverage" insurance and a clean driving record who drive 5,000 miles per year instead of the standard 12,000.

Cheapest for minimum coverage

Missouri Farm Bureau is the cheapest carrier in our analysis for minimum coverage auto insurance, at $31 per month, on average. State Farm and American Family complete the list with all three carriers coming in under $45 per month, on average.

InsurerAverage priceGet your rate
*Missouri Farm Bureau is not rated because there is not enough data to evaluate it against larger companies.

cheatgame.info rating: *Not rated

$367/year

$31/month


4.0 cheatgame.info rating

$442/year

$37/month


4.0 cheatgame.info rating

$503/year

$42/month


We calculated these numbers by averaging rates for 40-year-old good drivers who have only the minimum mandatory insurance in their state. Such light coverage isn't typically recommended, since it might not cover all the bills resulting from a car accident, but it's better than nothing — especially if you can't afford much more.

Minimum required auto insurance in Missouri

Missouri law requires drivers to carry liability insurance and uninsured motorist bodily injury coverage in the following amounts:

  • $25,000 bodily injury liability per person.
  • $50,000 bodily injury liability per crash.
  • $10,000 property damage liability per crash.
  • $25,000 uninsured motorist bodily injury coverage per person.
  • $50,000 uninsured motorist bodily injury coverage per accident.

While these limits will satisfy legal requirements, it’s wise for most drivers to get more than the bare essentials. The minimum car insurance might not be enough to fully cover accident costs, and the remaining balance would have to come out of your own pocket.

Visit cheatgame.info’s guide to car insurance requirements by state for more detail on how your coverages work.

Alternative car insurance in Missouri

High-risk drivers who are denied car insurance on the open market can apply for coverage through the Missouri Automobile Insurance Plan.

And for more help searching for cheap car insurance in Missouri, try out cheatgame.info’s car insurance comparison tool to easily peruse estimates from around the state.

Here’s a summary of where you’ll find the cheapest rates, by category:

Cheapest car insurance in Missouri

CategoryCheapest option
Good driversMissouri Farm Bureau
Drivers with poor creditMissouri Farm Bureau
Drivers with one at-fault crashMissouri Farm Bureau
Low-mileage driversAmerican Family
Minimum coverageMissouri Farm Bureau
For our base-profile driver with good credit and a clean driving history, cheatgame.info averaged rates from the largest insurers for 40-year-old men and women in 20 ZIP codes. The policy includes:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per crash.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with poor credit, we adjusted the credit tier from “good” to “poor.”
  • For drivers with one at-fault crash, we added a single at-fault crash.
  • For low-mileage drivers, we adjusted the miles driven from 12,000 per year to 5,000.
  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

We used a 2015 Toyota Camry in all cases. These are rates generated through Quadrant Information Services. Your own rates will be different.

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