Best Companies in Missouri for Car Insurance (2020)

There are multiple major car insurance companies in MO, including Allstate, Progressive, and Geico. The average rates for full coverage in the state are $68.79/mo.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 21, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

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Here's what you need to know...

Cars are an integral part of everyday life. Owning a car is a major convenience, and something most drivers take for granted.

What is not convenient is everything that goes into car ownership such as routine maintenance, purchasing gasoline, and the ever important purchase of car insurance.

One of the most important facts to realize is that prices can differ dramatically between companies, so it is important to compare quotes from several different sources before deciding.

Compare FREE quotes today from the best Missouri car insurance companies with our ZIP code search tool above!

Legal Requirements

Car insurance is a legal requirement to drive in Missouri.

One must show proof of car insurance when registering a vehicle, and upon demand, when pulled over by a law enforcement offer.

The minimum requirements for liability coverage are:

  • $25,000 per person for bodily injury in case of accident
  • $10,000 is the total that will be paid for property damage
  • $50,000 is the total amount that will be paid per accident

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Coverage Levels

Liability insurance covers the other driver when one is involved in an accident.

The minimum liability is all that is needed for those starting out with few assets.

Drivers who have more to lose will, of course, need to have higher coverage levels to protect themselves from legal action if they were the cause of the accident, and insurance doesn’t cover the full amount of damage.

Collision and comprehensive coverage will likely be needed for those with a newer car.

  • Collision will cover damage to the insured’s car
  • Comprehensive pays the replacement value if the car is stolen

The amount of coverage varies widely from company to company and on the car insurance deductible one chooses.

With an older car, comprehensive and collision is unnecessary since the replacement value is likely less than the cost of maintaining collision coverage.

Driving and Credit History

Some car insurance companies are geared toward those with poor histories.

If you are a driver with a less than stellar driving history, it may be worth it to investigate a company that caters to such drivers.

Some companies may not require credit checks.

However, unless one’s credit is truly subpar, it may be wise to pursue a quote from a more mainstream company as well, since it may result in lower rates.

The Importance of Comparison Shopping

Rates between insurance companies can vary widely, so it is important to shop around.

Always get a personalized quote; do not simply follow the advice of anyone who insists that one company has the lowest rates.

Even if that someone is a trusted friend or relative, insurance rates vary based on factors such as age, coverage levels, and driving history.

What may be right for one is not necessarily right for another person.

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Car Insurance Companies in Missouri

Here are six companies that you may want to start with when beginning your car insurance search:

  • Allstate – Allstate’s trademark is their safe driving bonus. For every six months without an accident, they offer a check for up to 5 percent off the premium. In addition, they offer an accident forgiveness program to keep rates from going up because of a single accident, even if the insured driver is the one at fault
  • State Farm – State Farm is one of the oldest insurance companies. Their marketing highlights the fact that a State Farm agent will work with you for all of your insurance needs. For those who want to work directly with an agent State Farm is a great option, although online quotes are now readily available on their website
  • AAA – AAA is well-known for their roadside assistance program. AAA membership is a requirement but it is affordable, and they offer several benefits such as discounts on car rentals, hotels, and much more
  • Safe Auto – Safe Auto has marketed itself as an option for those who simply want to meet the Missouri car insurance minimum requirement. They advertise that no credit check is required
  • Progressive – Progressive is a nationwide company. Progressive offers a $50.00 discount for new customers, but they do check driving records and credit history when requesting an online quote
  • Geico – Geico is a nationwide company, with easily accessible online quotes and flexible payment plans. Geico checks both driving record and credit history when processing an online quote

Shopping for good car insurance coverage involves some research, but finding a plan that meets one’s needs at an affordable price is worth the effort.

Start comparing today with our FREE search tool at the bottom of this page, and see how much money you could save!

References:

  1. https://www.allstate.com/
  2. https://www.statefarm.com
  3. https://www.calif.aaa.com/home.html?zip=92310&devicecd=PC&referer=www.aaa.com
  4. https://www.aaa.com/AAA_Travel/MemberServices/automobile_club.htm
  5. https://www.safeauto.com/
  6. https://www.progressive.com/
  7. https://www.geico.com/

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