Missouri drivers pay more for full-coverage car insurance than many drivers across the U.S. This can be a significant financial burden for residents of the Show-Me State. However, taking a closer look at your insurance options can help you save on coverage and find the best car insurance for your needs. In this article, we will explore the top car insurance companies in Missouri, the available coverage options, and how to get a free car insurance quote.
Key Takeaways
- Travelers is the best car insurance company for most Missouri drivers, offering affordable rates and a strong selection of optional coverages.
- USAA is a great choice for military-affiliated drivers in Missouri, with excellent customer satisfaction scores and affordable rates.
- The average cost of full-coverage car insurance for Missouri drivers is $2,104 per year, which is 5% higher than the national average.
- Be sure to ask your provider about available discount opportunities to save on car insurance costs.
Best Car Missouri Car Insurance
To determine the best car insurance companies in Missouri, we looked at each company’s industry history, service availability, coverage options, and costs. Based on our research, the top five car insurance companies in Missouri are Travelers, USAA, Missouri Farm Bureau, State Farm, and Nationwide.
Travelers
Travelers is our top pick for most Missouri drivers, offering affordable rates and a strong selection of optional coverages. With a J.D. Power score of 797/1,000 and an AM Best financial strength rating of A++, Travelers has a long history of serving customers in the automotive industry. They stand out for offering some of the lowest rates for drivers with recent speeding tickets or DUIs.
In terms of coverage, Travelers offers the standard car insurance options for full-coverage policies, as well as optional coverages like gap insurance, rental coverage, roadside assistance, and accident forgiveness. While Travelers has a strong industry reputation, customer reviews on Trustpilot are mixed.
USAA
USAA is the best choice for military members in Missouri, with outstanding customer service reputation and low rates for qualifying drivers. With a J.D. Power score of 890/1,000 and an AM Best financial strength rating of A++, USAA consistently offers affordable and dependable coverage. They also offer valuable coverages like accident forgiveness and new car replacement.
USAA policies are only available for military-affiliated drivers, but they offer standard minimum- and full-coverage insurance choices, as well as optional coverages like usage-based insurance programs. USAA has high customer satisfaction scores and receives positive ratings in industry studies.
Missouri Farm Bureau
Missouri Farm Bureau is a great choice for drivers looking for quality coverage with locally based insurance agents. While they may not appear in some industry studies due to their smaller size, Missouri Farm Bureau offers low full-coverage car insurance rates for teens and adult drivers with good credit and clean driving records. To be eligible for coverage, you’ll need to sign up for a membership with the company.
In addition to standard coverages like liability, medical payments, and collision, Missouri Farm Bureau offers unique private auto coverages. They have a great industry reputation and are rated A+ by the BBB.
State Farm
State Farm is known for providing the best customer experience among the providers we reviewed in Missouri. With a J.D. Power score of 833/1,000 and an AM Best financial strength rating of A++, State Farm offers low rates for drivers with a recent DUI. They have been serving drivers across the country for over a hundred years and offer a wide selection of coverages.
State Farm provides standard car insurance coverage options, as well as optional coverages like rental car reimbursement, ridesharing coverage, and new car replacement. While they have a superior financial strength rating, recent ratings from the BBB have slipped to C-.
Nationwide
Nationwide is one of the most well-known insurance companies in the country and offers reasonable industry reputation. They stand out for their two usage-based insurance programs that reward safe or low-mileage drivers with discounts. Nationwide also offers low rates for affordable full-coverage rates, especially for drivers with poor credit.
In terms of coverage, Nationwide offers standard car insurance options, as well as extras like gap coverage, accident forgiveness, and roadside assistance. They have good financial strength ratings and a solid A+ rating from the BBB.
How To Find the Best Car Insurance in Missouri
When shopping for the best auto insurance policy in Missouri, consider the following tips:
- Know Missouri’s minimum car insurance requirements, which include liability and uninsured/underinsured motorist coverage.
- Consider how much coverage you need based on factors like the type of vehicle you drive and your driving habits.
- Look for policy perks like vanishing deductibles and roadside assistance to get the most well-rounded insurance for your money.
How Much Is Car Insurance in Missouri?
On average, Missouri drivers pay $2,104 per year or $175 per month for full-coverage car insurance. Factors like the car you drive, your driving history, and your location can impact how much you’ll pay for car insurance. Be sure to compare quotes from different companies to find the best rates.
Best Missouri Car Insurance: The Bottom Line
The best car insurance companies for drivers in Missouri are Travelers, USAA, Missouri Farm Bureau, State Farm, and Nationwide. Each company offers unique coverages, discounts, and benefits, so be sure to compare quotes and coverages before making a decision.
Best Auto Insurance in Missouri: FAQ
- What is the cheapest minimum-coverage car insurance in Missouri?
- Who offers the best car insurance coverage?
- How much is car insurance in Missouri?
- How do I get lower car insurance rates in Missouri?
- How much car insurance do I need in Missouri?
Our Methodology
Our ratings are based on factors like industry standing, availability, coverage, cost and discounts, and customer experience. We collected data on dozens of auto insurance providers and graded them on these factors to determine the best car insurance companies in Missouri.