Cheap Car Insurance in Missouri
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Missouri Car Insurance Minimums
Missouri requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
- Uninsured motorist bodily injury: $25,000/$50,000
Source: Mo. Rev. Stat. §§ 303.030, 379.203, verified 2026-09-01.
What drives car insurance rates in Missouri
Average spend per insured vehicle, 2023
$1,155
Missouri drivers spent $1,155 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
72.7¢
Auto insurers in Missouri paid 72.7 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.17
Missouri recorded 955 traffic deaths in 2024, 1.17 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
293.1
Missouri reported 18,376 motor vehicle thefts in 2025, 293.1 per 100,000 residents, from 398.4 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#9
FEMA ranks Missouri #9 of 51 for expected annual loss from natural hazards; flood accounts for 40% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Missouri
The ten insurer groups that wrote the most auto premium in Missouri in 2025, with their share of the state total of $6.2 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 24.43% | $1.5 billion |
| 2 | Progressive Group | 21.5% | $1.3 billion |
| 3 | American Family Insurance Group | 8.09% | $505 million |
| 4 | Shelter Insurance Group | 6.3% | $393 million |
| 5 | Allstate Insurance Group | 5.64% | $352 million |
| 6 | United Services Automobile Association Group | 4.88% | $304 million |
| 7 | Berkshire Hathaway Group | 4.81% | $300 million |
| 8 | Liberty Mutual Group | 3.55% | $222 million |
| 9 | Missouri Farm Bureau Group | 3.31% | $207 million |
| 10 | Farmers Insurance Group | 3.28% | $205 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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