Cheapest Car Insurance For College Students in Missouri 2025
State Farm is one of the best car insurance companies for college students in Missouri. USAA is the cheapest provider, with an average annual rate of $3,252.
We’ve saved shoppers an average of $600 per year on their car insurance.
Drivers under 25 often face the steepest insurance premiums of any age group, and for college students in Missouri, this can make finding affordable coverage especially challenging. With tuition, housing, and everyday expenses already stretching budgets, high insurance costs can feel overwhelming.
After reviewing the leading providers in the state, USAA emerged as the most affordable choice for student drivers, offering average annual rates around $3,252. For those who want the added protection of full coverage, Travelers provides the lowest rates, averaging just $1,020 per year. Together, these insurers stand out as strong options for Missouri college students who want reliable protection without breaking the bank.
Key Takeaways
Student drivers in Missouri must have car insurance that meets the state’s minimum requirements.
USAA offers the cheapest insurance policy for students in Missouri, at an average annual rate of $3,252.
There are multiple ways to reduce the cost of car insurance for students in Missouri.
Best Car Insurance Companies For College Students In Missouri
When selecting car insurance for college students in Missouri, you need to consider your priorities and pick a policy that matches your needs, whether that is low rates or comprehensive coverage.
Use the table below to see our picks for the best auto insurers for students in Missouri.
| Company | Average Rate Per Year |
| State Farm | $3,840 |
| USAA | $3,252 |
| GEICO | $4,300 |
| Travelers | $4,272 |
| American Family | $4,092 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Liability-Only Car Insurance For College Students In Missouri
Minimum coverage policies are often an effective way to decrease overall costs, but can leave you vulnerable in an accident. These low-cost plans will only cover the state minimum insurance needed to operate a vehicle, which means paying expenses out of pocket.
Minimum coverage policies are great options for college students as they provide the insurance needed to drive legally while keeping costs low.
As you can see from the table below, Progressive is the cheapest average option at $480 per year.
| Company | Average Rate Per Year |
| Travelers | $492 |
| State Farm | $564 |
| Progressive | $480 |
| USAA | $672 |
| American Family | $516 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Full Coverage Car Insurance For College Students In Missouri
College students who commute to campus or routinely drive for work should consider a full coverage policy over minimum coverage. These plans offer additional protection, often including liability, comprehensive, and collision coverage.
While the full coverage policies offer more protection, they come at a higher cost. It’s essential to weigh the benefits of the additional insurance against the extra monthly cost.
Travelers is the cheapest full coverage car insurance policy for students in Missouri, at an average annual rate of $1,020.
| Company | Average Rate Per Year |
| Progressive | $1,320 |
| State Farm | $1,176 |
| Travelers | $1,020 |
| USAA | $1,596 |
| American Family | $1,104 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Car Insurance For College Students With Low-Mileage In Missouri
If you’re a college student who doesn’t plan on driving much throughout the school year, there’s no reason to pay for insurance you don’t need. While you’ll still need to maintain the state minimum auto insurance, most low-mileage policies offer discounted rates if you stay below a certain number of miles yearly.
The limit will vary between insurance companies but is usually around 7,500 to 10,000 miles annually.
Use the table below to view the cheapest low-mileage rates for college drivers in Missouri.
| Company | Average Rate Per Year |
| GEICO | $1,056 |
| Allstate | $780 |
| State Farm | $960 |
| Progressive | $1,020 |
| Nationwide | $840 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Cheapest Car Insurance For College Students With Driving Violations In Missouri
Driving violations can significantly increase the amount a driver pays for monthly coverage, regardless of age. College students will likely experience an even more significant rate increase after an accident or ticket due to their already high-risk rating.
One way to mitigate the damage of a driving violation is to work with a company like State Farm that specializes in insuring motorists with a history of tickets or accidents.
| Company | Average Rate Per Year |
| American Family | $1,932 |
| Shelter | $1,920 |
| GEICO | $3,768 |
| State Farm | $1,776 |
| Progressive | $2,232 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For College Students In Missouri – By City
Where you live in Missouri can have a significant impact on your car insurance premiums.
Use the table below to view average rates for different cities in Missouri.
| City | Average Monthly Cost |
| Kansas City | $372 |
| Springfield | $344 |
| Joplin | $305 |
| Independence | $359 |
| St. Louis | $381 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 18-Year-Old College Students In Missouri
USAA offers the cheapest rates for 18-year-old college drivers in Missouri, at an average monthly cost of $316.
| Car Insurance Provider | Average Monthly Cost |
| Travelers | $350 |
| USAA | $316 |
| State Farm | $421 |
| GEICO | $387 |
| American Family | $337 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 19-Year-Old College Students In Missouri
USAA provides the cheapest policy for 19-year-old college students in Missouri, averaging $303 per month.
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $350 |
| Progressive | $475 |
| GEICO | $452 |
| USAA | $303 |
| American Family | $401 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 20-Year-Old College Students In Missouri
The cheapest auto insurance rates for a 20-year-old college driver can be found with USAA, averaging $284 per month.
| Car Insurance Provider | Average Monthly Cost |
| USAA | $284 |
| Progressive | $450 |
| American Family | $378 |
| State Farm | $330 |
| GEICO | $422 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 21-Year-Old College Students In Missouri
The most affordable college student car insurance policy for a 21-year-old can be found at USAA, with an average monthly cost of $260.
| Car Insurance Provider | Average Monthly Cost |
| American Family | $359 |
| State Farm | $310 |
| Progressive | $425 |
| USAA | $260 |
| GEICO | $402 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 22-Year-Old College Students In Missouri
22-year-old student car insurance can be found from $243 per month, with a USAA auto policy.
| Car Insurance Provider | Average Monthly Cost |
| GEICO | $375 |
| Progressive | $406 |
| USAA | $243 |
| American Family | $328 |
| State Farm | $290 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 23-Year-Old College Students In Missouri
23-year-old college drivers can find affordable insurance from USAA at an average monthly cost of $227.
| Car Insurance Provider | Average Monthly Cost |
| American Family | $302 |
| USAA | $227 |
| Progressive | $375 |
| State Farm | $270 |
| GEICO | $356 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 24-Year-Old College Students In Missouri
The cheapest car insurance policy for a 24-year-old college student is $201 per month, which can be found with USAA.
| Car Insurance Provider | Average Monthly Cost |
| GEICO | $325 |
| State Farm | $253 |
| Progressive | $358 |
| USAA | $201 |
| American Family | $275 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance For 25-Year-Old College Students In Missouri
USAA offers the cheapest auto policies for 25-year-old college students in Missouri at $182 per month.
| Car Insurance Provider | Average Monthly Cost |
| State Farm | $237 |
| Progressive | $325 |
| USAA | $182 |
| GEICO | $300 |
| American Family | $250 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Average Cost Of Car Insurance On Family Policy Vs. Individual Policy
| Insurance Company | Family Policy | Individual Student Policy |
| Progressive | $100 | $360 |
| State Farm | $90 | $320 |
| American Family | $95 | $340 |
| USAA | $80 | $300 |
| GEICO | $85 | $350 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
How Can College Students Save Money on Car Insurance in Missouri
Car insurance can feel like a heavy financial burden for Missouri college students. Premiums are often higher compared to drivers in their late 20s, which makes finding ways to cut costs essential. If staying on a parent or guardian’s policy isn’t an option, there are several strategies that can help reduce monthly payments and keep coverage affordable.
Security And Safety Upgrades
One of the most practical ways to lower insurance costs is by improving your vehicle’s safety features. Insurers often reward drivers who take steps to reduce risk. Adding anti-theft devices, installing a car alarm, or upgrading to modern safety technology can lead to discounts. In fact, some companies may reduce your premium by up to $5% for these improvements.
Student Discounts
Insurance providers frequently offer special savings for college students. While good grades are the most well-known requirement, there are other opportunities to qualify:
- Distant student discount for those attending school far from home without regular access to the car
- Safe driver discount for maintaining a clean driving record
- Driver’s education discount for completing approved training programs
These options can make a noticeable difference in monthly costs.
Used vs. New Vehicles
Although a shiny new car might seem appealing, it often comes with higher insurance rates. Newer vehicles are more expensive to repair or replace, which increases premiums. For students trying to save, opting for a reliable used car can be a smarter financial move. Not only will the purchase price be lower, but the insurance costs are typically more manageable.
Affiliation Discounts
Membership in campus organizations can sometimes unlock hidden savings. Insurance carriers may provide discounts to students who belong to fraternities, sororities, honor societies, or alumni associations. These affiliations can help reduce monthly premiums and add value beyond the social benefits of participation.
How To Buy Car Insurance As A College Student In Missouri
For many Missouri college students, shopping for car insurance can feel overwhelming—especially if it’s your first time. The good news is that comparison platforms like Insuranceopedia simplify the process by letting you review multiple quotes in one place. Still, preparation is key. Here’s a clear roadmap to help you secure the right policy:
Step 1: Decide How You’ll Purchase
Before diving into quotes, think about whether you’d prefer buying online or working with a local insurance agent. Online platforms are fast and convenient, while agents can provide personalized guidance if you want extra support.
Step 2: Compare Multiple Quotes
Never settle for the first price you see. Gather at least three different quotes from separate carriers to ensure you’re getting competitive rates. This step is especially important for students, since premiums can vary widely depending on age, driving history, and vehicle type.
Step 3: Gather Essential Information
To make the process smooth, have all your details ready. This includes your driver’s license number, vehicle information, personal details of anyone else on the policy, and your driving record. Having everything on hand prevents delays and ensures accurate quotes.
Step 4: Determine Coverage Requirements
Missouri law requires drivers to carry minimum liability coverage, but you may want more protection depending on your situation. Think about whether you’ll need collision or comprehensive coverage, especially if you’re driving a newer car or commuting long distances.
Step 5: Finalize And Notify Your Previous Insurer
Once you’ve chosen the best option, purchase your policy and make sure to inform your old insurance company about the switch. This avoids billing overlaps and ensures your coverage transitions smoothly.
Do College Students Need Their Own Insurance, Or Can They Stay On A Parent’s Policy?
Car insurance requirements for Missouri college students aren’t always straightforward. Whether you can remain on a parent’s plan or need to purchase your own depends on your living situation and address. Let’s break down the scenarios.
When Students Need Their Own Coverage
The most common reason a student must buy an individual policy is a change of residence. If you establish a permanent address that’s different from your parents’ home, insurers typically require you to carry your own coverage. This ensures your policy reflects where the vehicle is primarily kept and driven.
Staying On A Family Policy
Unlike health insurance, which has age restrictions, auto insurance doesn’t impose a cutoff. As long as you live at home or continue to use your parents’ permanent address while attending college, you can remain on their plan. This option often saves money and simplifies the process since you’re already listed as a driver under the household policy.
Missouri Car Insurance Laws
Missouri is one of the many states requiring motorists to carry auto insurance if they plan on operating a vehicle. Most of the required coverages are similar to other places in the United States. Missouri drivers do not require Personal Injury Protection (PIP).
Missouri auto insurance requirements include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist bodily injury per person
- $50,000 uninsured/underinsured motorist bodily injury per accident
Compare College Student Rates To Other U.S. States
| State | Average Annual Premium |
| Alabama | $3,460 |
| Alaska | $3,276 |
| Arizona | $3,412 |
| Arkansas | $3,557 |
| California | $4,016 |
| Colorado | $3,937 |
| Connecticut | $3,325 |
| Delaware | $3,663 |
| Florida | $4,294 |
| Georgia | $3,570 |
| Hawaii | $3,117 |
| Idaho | $3,028 |
| Illinois | $3,132 |
| Indiana | $3,115 |
| Iowa | $3,230 |
| Kansas | $3,500 |
| Kentucky | $3,828 |
| Louisiana | $4,483 |
| Maine | $2,775 |
| Maryland | $3,346 |
| Massachusetts | $3,326 |
| Michigan | $3,952 |
| Minnesota | $3,511 |
| Mississippi | $3,608 |
| Missouri | $3,582 |
| Montana | $3,793 |
| Nebraska | $3,502 |
| Nevada | $3,660 |
| New Hampshire | $2,865 |
| New Jersey | $3,502 |
| New Mexico | $3,649 |
| New York | $3,470 |
| North Carolina | $3,341 |
| North Dakota | $3,265 |
| Ohio | $3,017 |
| Oklahoma | $3,738 |
| Oregon | $3,278 |
| Pennsylvania | $3,472 |
| Rhode Island | $3,661 |
| South Carolina | $3,422 |
| South Dakota | $3,880 |
| Tennessee | $3,277 |
| Texas | $3,643 |
| Utah | $3,425 |
| Vermont | $2,919 |
| Virginia | $3,069 |
| Washington | $3,208 |
| West Virginia | $3,605 |
| Wisconsin | $3,264 |
| Wyoming | $3,358 |
* These figures are estimates based on general market trends, and they may differ from your actual rate.
Our Methodology
To find the cheapest car insurance rates for college students in Missouri, we analyzed findings from numerous car insurance rating sites, some of which analyzed rates from public filings obtained by Quadrant Information Services. We also utilize the combined twenty-five years of experience from our team of insurance experts to evaluate each carrier.
It’s important to note that even though the rates listed in this guide are accurate, premiums shift daily and can fluctuate based on each driver.
About Doug Schaffer
