Policyholders voted GEICO, State Farm, Shelter, and State Auto as the best car insurance companies in Missouri, with USAA getting an honorable mention.

Written by Jessica Gibson

Edited by Sarah Gray

Updated on Jan 31, 2024

Table of Contents

How to save on your Missouri auto insurance
FAQs

According to policyholders, GEICO, State Farm, and Shelter are the

top insurance providers

Missouri

. But a squeaky-clean driving record could equal super savings with State Auto!

Drivers in the Show Me State can find great coverage at great rates with big
car insurance
companies, like GEICO and State Farm.
If you value customer service as much as affordability, Shelter may be the best car insurance company for you.
No one provider offers the best coverage or pricing for all drivers, so be sure to compare quotes from at least 3–5 companies before settling on your next policy.

GEICO: Best for low budget and discounts

Real 5-star customer review:

I love GEICO and frequently return to using them as an insurance provider. Their customer service and app is incredible and makes using their service or reporting claims simple! Hands down the best customer service, but my monthly payments are higher with them in comparison to other companies which is why I frequently leave and come back. -Jasmine

Overall Jerry rating in Missouri: 4.3

JD Power customer satisfaction: Not rated for Missouri market

AM Best financial strength: A++

NAIC complaint index (September 2023): Slightly more than expected

GEICO offers some of the lowest rates for car insurance, and they’re known for offering tons of discounts to reduce rates even more. Young drivers and seniors can also benefit from insurance discounts geared toward new drivers, good students, or experienced drivers who take defensive driving courses.

The only drawbacks to GEICO are its somewhat average customer service and its limited network of local agents in Missouri.

State Farm: Great for personalized policies

Real 5-star customer review:

My husband and I go through State Farm for our homeowners insurance. We recently learned that we can bundle and save with our car insurance as well. The representative that worked with us was prompt and so welcoming. We love the service that has been provided so far! -Madison

Overall Jerry rating in Missouri: 5

JD Power customer satisfaction: 833/1000

AM Best financial strength: A++

NAIC complaint index (September 2023): Slightly more than expected

State Farm offers the best of both worlds, with a wide network of local insurance agents and top-rated online services for those who prefer to manage their own policies. The company also provides a wide variety of insurance products so drivers can customize their coverage. State Farm received a 5/5 from our survey of Missouri drivers, and it received top marks for customer satisfaction and financial strength.

That being said, State Farm did receive more complaints than expected. Plus, customer service is not available 24/7.

Shelter: Great customer service

Real 5-star customer review:

I have more speeding tickets than the average driver, and I also drive more than the average driver. Infinity was still able to come up with an affordable rate that fit my budget. -Molly

Overall Jerry rating in Missouri: Not rated for Missouri market

JD Power customer satisfaction: 851/1000

AM Best financial strength: A

NAIC complaint index (September 2023): Average

J.D. Power ranked Shelter number one in the central region for customer satisfaction three years in a row. Although Shelter’s average car insurance rates for a standard policy are a little higher in Missouri, drivers appreciate the wide variety of coverage options, discounts, and services like roadside assistance and new car replacement coverage.

State Auto: Best for people with a clean driving record

Real 5-star customer review:

I have to say I am 100% happy with the monthly price that State Auto had offered me. I was looking for quite some time for a great insurance auto quote that was in my price range. Needless to say I was thrilled when I discovered Jerry and then State Auto as one of the 4 different insurance company quotes they had set up for me! Thank You Jerry and State Auto! -Michelle

Overall Jerry rating in Missouri: 5

JD Power customer satisfaction: Not rated for Missouri market

AM Best financial strength: A-

NAIC complaint index (September 2023): Slightly more than expected

Jerry reviewers gave State Auto an overall rating of 5/5, although the company received slightly more complaints than the national average. Drivers who don’t have DUIs, poor credit scores, speeding tickets, or other violations will get the best rates. State Auto makes it easy for drivers who don’t want to personalize their policies to choose from insurance packages that provide the coverage they want.

Note that in 2024, State Auto will be transferred to Safeco, which also enjoys a 5/5 rating and more robust financial stability.

USAA: Honorable mention

Real 5-star customer review:

Fantastic. If you qualify for USAA, call them ASAP for the best cheap car insurance. They set me up with a policy with good coverage limits at a price other companies can’t even come close to competing with. -Steven

Overall Jerry rating in Missouri: Not rated for Missouri market

JD Power customer satisfaction: 890

AM Best financial strength: A++

NAIC complaint index (September 2023): Higher than expected

USAA doesn’t rank higher on our list because it’s only available to current and former members of the military and their families. However, it’s got a great reputation for customer service, low insurance premiums, countrywide availability, and financial stability.

How to save on your Missouri auto insurance

Keep in mind that insurance rates vary from person to person, even within the same insurance company. The cheapest rate for you will depend on several factors, like what car you drive, your driving history, your location, and what coverage you purchase.

To find the cheapest car insurance companies for you, get quotes from at least 3 to 5 insurance providers before you buy a policy. Use the

Jerry

app to quickly pull rates from our network of over 50 of the nation’s top insurance companies.

Don’t forget to check out what discounts you’re eligible for since these rewards can really reduce your insurance premium. Your insurance agent can tell you more or help you bundle multiple policies to save on each.

Cutting corners on your Missouri car insurance can leave you vulnerable

While it’s tempting to reduce your coverage in order to get cheaper car insurance rates, you might end up unprotected if you get into a severe car accident. Experts recommend getting more than the state minimum coverage.

For peace of mind, look into adding these types of insurance:

Comprehensive coverage

Collision coverage

Roadside assistance

Rental car reimbursement

Medical payments (MedPay)

Methodology:

Jerry’s content editors analyzed 20 of the top insurers in Missouri and chose the best based on a combination of scores from JD Power, AM Best, NAIC, and Jerry’s own American carrier survey.

FAQs

What is the recommended auto insurance coverage in Missouri?

The state requires Missouri drivers to carry bodily injury liability (following a 25/50/10 pattern) and uninsured motorist bodily injury coverage (following a 25/50 pattern). These meet the national average for minimum car insurance requirements.

What is the average cost of car insurance in Missouri?

The average cost of minimum liability coverage in Missouri is $1,373, and the average cost of a full coverage car insurance policy in Missouri is $1,987. Keep in mind that drivers with good credit who aren’t high-risk will get the best auto insurance rates.

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