Missouri Auto Insurance Rates
Median premium: $770/6mo across 11 carriers and 1,157 ZIP codes.
Premiums range from $479 to $2,632 — a 5.5x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$770
per 6 months
ZIP Codes
1,157
with rate data
Carriers
11
rated in MO
Price Spread
5.5x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Farmers | $494 | 1,157 ZIPs | 100% | |
| 2 | USAA | $583 | 0 ZIPs | 0% | |
| 3 | Progressive | $642 | 0 ZIPs | 0% | |
| 4 | Shelter Insurance | $713 | 0 ZIPs | 0% | |
| 5 | State Farm | $745 | 0 ZIPs | 0% | |
| 6 | American Family | $770 | 0 ZIPs | 0% | |
| 7 | Nationwide | $891 | 0 ZIPs | 0% | |
| 8 | Travelers | $907 | 0 ZIPs | 0% | |
| 9 | Liberty Mutual | $932 | 0 ZIPs | 0% | |
| 10 | GEICO | $978 | 0 ZIPs | 0% | |
| 11 | Allstate | $1,053 | 0 ZIPs | 0% |
1
$494Farmers#1 in 1,157 ZIPs (100%)
2
$583USAA#1 in 0 ZIPs (0%)
3
$642Progressive#1 in 0 ZIPs (0%)
4
$713Shelter Insurance#1 in 0 ZIPs (0%)
5
$745State Farm#1 in 0 ZIPs (0%)
6
$770American Family#1 in 0 ZIPs (0%)
7
$891Nationwide#1 in 0 ZIPs (0%)
8
$907Travelers#1 in 0 ZIPs (0%)
9
$932Liberty Mutual#1 in 0 ZIPs (0%)
10
$978GEICO#1 in 0 ZIPs (0%)
11
$1,053Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Missouri
| City | Avg Median | ZIPs |
|---|---|---|
| Belle | $479 | 1 |
| Eugene | $479 | 1 |
| Henley | $479 | 1 |
| Koeltztown | $479 | 1 |
| Meta | $479 | 1 |
Most Expensive Cities in Missouri
| City | Avg Median | ZIPs |
|---|---|---|
| Florissant | $1,830 | 4 |
| Pacific | $1,530 | 1 |
| Labadie | $1,530 | 1 |
| Gray Summit | $1,530 | 1 |
| Cedar Hill | $1,530 | 1 |
ZIP Code Extremes
Most Expensive ZIP
$1,924/6mo
63147 (Saint Louis)
Cheapest ZIP
$479/6mo
65013 (Belle)
5.5x
Price Spread
The most expensive ZIP in Missouri costs 5.5x more than the cheapest. Your ZIP code matters more than you think.
Missouri Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Missouri
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Access ZIP-level rate data across all 11 carriers, 1,157 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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