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Finding car insurance in Missouri can feel like sorting through a big pile of puzzle pieces. There are so many types and providers that it’s easy to get lost. To pick the right one, you’ve got to compare plans, check for discounts, and see how happy customers are with the service. You can go with a huge national brand or a smaller local company that knows the area inside out. The right choice could save you a lot of money and make a big difference when you need help after a crash or breakdown, whether it’s your first policy or you’re just switching.
Missouri law says you have to carry at least basic liability coverage. But many people add more, such as collision, roadside help, and personal injury coverage, for extra peace of mind. These days, folks also look at perks like lower deductibles, loyalty rewards, and apps that make tracking claims a lot easier.
We’ve pulled together a list of the 11 best car insurance companies in Missouri. We ranked them by cost, customer service, how easy their websites are to use, and any special extras they throw in. You’ll also find a quick comparison chart showing which companies work best for different drivers, whether you’re brand new behind the wheel, part of a military family, or someone insurers see as “high risk.”
- Geico
- State Farm
- Progressive
- Allstate
- Farmers Insurance
- USAA
- Nationwide
- Travelers
- Liberty Mutual
- Erie Insurance
- The General
- Top 11 Car Insurance Companies in Missouri Summary (2025)
- Conclusion
-
Frequently Asked Questions
- What is the minimum required car insurance in Missouri?
- Is full coverage required in Missouri?
- How can I lower my car insurance premiums in Missouri?
- Are there special options for young drivers in Missouri?
- Can high-risk drivers get insured in Missouri?
- Which company is best for military families?
- How do I file a claim?
- Recommended Reads
Geico
Geico offers some of the most competitive auto insurance rates in Missouri, making it a popular choice for budget-conscious drivers. The company supports customers through an intuitive website and mobile app, enabling seamless access to quotes, claims, and policy management.
Features
- Liability, collision, and comprehensive options
- Roadside assistance and rental reimbursement
- 24/7 customer service via multiple channels
- Discounts for good drivers, students, and federal employees
State Farm
With a robust network of local agents in Missouri, State Farm excels in providing face-to-face assistance and community-based insights. Their policies cater to both standard and advanced insurance needs.
Features
- Personalized plans from local agents
- Accident forgiveness after a first incident
- Rental reimbursement and rideshare coverage
- Multi-policy discounts and safe driver incentives
Progressive
Progressive brings innovation to the insurance landscape through tools like the “Name Your Price” feature, which lets users input a budget to explore tailored plans.
Features
- Usage-based insurance with Snapshot
- Bundling discounts for home and auto
- Coverage flexibility for diverse budgets
- Multi-car, loyalty, and paperless discounts
Allstate
Allstate combines extensive agent support with customizable coverage options. Missouri drivers benefit from a wide selection of optional add-ons.
Features
- Roadside assistance and towing
- New car replacement (within policy terms)
- Deductible rewards for claim-free periods
- Local support from experienced agents
Farmers Insurance
Farmers delivers flexible payment options and custom policies that adjust to different life stages and driving habits.
Features
- Discounts for defensive driving and bundling
- Pay-as-you-go and flexible billing schedules
- Claims assistance via app or local offices
- Personal service through neighborhood agents
USAA
Exclusively for military personnel and their families, USAA consistently earns top marks for customer satisfaction and low premiums.
Features
- Comprehensive and liability options
- Coverage for deployed service members
- Specialized discounts for storage and multiple vehicles
- Exceptional claims support and digital services
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Nationwide
Nationwide’s Vanishing Deductible program is ideal for careful drivers who rarely file claims. It encourages safe habits while saving money over time.
Features
- Deductibles decrease $100 annually (up to $500)
- SmartRide telematics for usage-based savings
- Multi-policy bundles and safe driver incentives
- Strong financial backing and transparent policies
Travelers
Travelers stands out for its well-rated customer service and financial stability. It offers unique discounts for young or student drivers.
Features
- Good student discounts and driver training incentives
- Multi-policy discounts for bundling
- Comprehensive coverage and roadside assistance
- Claims tracking through online or app platforms
Liberty Mutual
Liberty Mutual is tailored for drivers with specific coverage needs. Its range of optional protections makes it suitable for pet owners, luxury vehicle owners, or frequent travelers.
Features
- Specialty coverage: Pet injury, original parts replacement
- Customizable deductibles and add-ons
- Telematics-based RightTrack program
- Bundling and good driving discounts
Erie Insurance
As a regional provider, Erie emphasizes localized pricing strategies and highly rated claims service, earning trust among Missouri drivers.
Features
- Local agents understand regional driving risks
- Transparent communication during claims
- Digital tools for claims filing and tracking
- Affordable premiums tailored to area-specific needs
The General
The General caters to high-risk drivers and those who need SR-22 filings. It’s an accessible option for individuals struggling to get traditional coverage.
Features
- Immediate coverage for drivers with past violations
- SR-22 certificate filing assistance
- Payment plans for budget-constrained customers
- Simplified online application and fast approval
Top 11 Car Insurance Companies in Missouri Summary (2025)
| Insurance Provider | Best For | Notable Features | Missouri Availability |
|---|---|---|---|
| Geico | Affordable rates & digital tools | Competitive pricing, mobile app, 24/7 support | Statewide |
| State Farm | Local agents & reliability | Personalized service, accident forgiveness | Statewide |
| Progressive | Customizable pricing | Name Your Price tool, loyalty discounts | Statewide |
| Allstate | Comprehensive protection | Roadside assistance, new car replacement | Statewide |
| Farmers Insurance | Flexible policies | Defensive driving discounts, budget-friendly payments | Statewide |
| USAA | Military members | Low premiums, military discounts, high satisfaction | Military only |
| Nationwide | Deductible rewards | Vanishing Deductible program, easy claims tracking | Statewide |
| Travelers | Young drivers | Bundling discounts, strong financial stability | Statewide |
| Liberty Mutual | Specialty coverages | Pet injury protection, safe driving discounts | Statewide |
| Erie Insurance | Regional value | Local pricing, dependable claims response | Regional |
| The General | High-risk drivers | SR-22 filings, quick approval for non-standard drivers | Statewide |
Conclusion
There are many different types of car insurance available to drivers in Missouri, and each one has its own advantages depending on the driver’s budget, risk level, and service preference. The state’s insurance market has something for everyone, from first-time drivers to veterans. It has low-cost digital providers like Geico and specialized insurers like The General and USAA.
When picking a provider, you need to do more than just compare premiums. You also need to think about how quickly they respond to claims, how flexible their add-ons are, and how easy it is to get help. These 11 companies are the best in Missouri for 2025 because they have competitive prices, plans with many features, and a strong local presence.
Knowing how each person drives, how they like to communicate (in person or online), and whether they qualify for discounts can make a big difference in long-term happiness and savings.
Frequently Asked Questions
What is the minimum required car insurance in Missouri?
Missouri requires liability coverage of at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage
Uninsured motorist coverage is also mandatory.
Is full coverage required in Missouri?
No, full coverage is not required by law. However, lenders may require it for leased or financed vehicles.
Consider bundling policies, maintaining a clean driving record, opting for higher deductibles, and enrolling in telematics programs like Nationwide’s SmartRide or Liberty Mutual’s RightTrack.
Are there special options for young drivers in Missouri?
Yes, insurers like Travelers and Geico offer student discounts and driver training savings. Usage-based plans also benefit younger drivers.
Can high-risk drivers get insured in Missouri?
Yes. The General and Progressive provide plans for drivers with past violations or SR-22 requirements.
Which company is best for military families?
USAA is widely regarded as the top choice for active-duty, reserve, and veteran military personnel due to low premiums and tailored benefits.
How do I file a claim?
Most providers offer online, mobile app, and agent-assisted claims filing. Companies like Erie and Allstate provide real-time updates throughout the claims process.
Reviewed and edited by Albert Fang.
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Article Title: Best Car Insurance in Missouri
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