Cheapest Teen Driver Auto Insurance in Missouri for 2025 (10 Best Companies for Savings)

Nationwide, Geico and State Farm are the top providers of the cheapest teen driver auto insurance in Missouri.

Nationwide is the top pick overall for its flexible coverage options built specifically for new drivers across the state.

Our Top 10 Company Picks: Cheapest Teen Driver Auto Insurance in Missouri

Geico stands out with 25% bundling discounts, while State Farm offers strong student savings and Missouri’s largest agent network.

This guide breaks down company pros, rate comparisons, and discounts to help families lower teen driver insurance costs in MO.

Read on to learn more about Missouri auto insurance for teens. You can also compare rates quickly using our free comparison tool to find cheap Missouri insurance quotes.

#1 – Nationwide: Top Overall Pick

Pros

• Minimum Coverage Advantage: Nationwide give one of lowest minimum coverage costs in Missouri at $153 per month, which make it good choice for teen drivers looking for cheap car insurance in Missouri.
• Statewide Network: Teens in Missouri benefit from Nationwide’s extensive service network across rural and urban areas, ensuring coverage no matter where they drive.
• Policy Customization: According to our Nationwide auto insurance review, the same customization options extend to their auto policies, giving Missouri teens flexible coverage choices.

Cons

• Higher Full-Coverage Premium:  Missouri teenagers looking for full coverage from Nationwide can experience greater premium hikes than their more affordable minimum coverage plans.
• Limited Teen-Specific Discounts: Nationwide has fewer teen-specific discounts available in Missouri than many competitors, possibly leaving savings on the table for teens.

#2 – Geico: Best for Affordable Rates

Pros

• Competitive Pricing: Geico’s teenage driver insurance cost is the second-lowest minimum coverage rate, at $156 per month, which is affordable auto insurance in Missouri statewide.
• Mobile Accessibility: Teen drivers in Missouri can easily manage their Geico policies through a highly-rated mobile app, perfect for tech-savvy young drivers.
• Discount Variety: Our Geico auto insurance review confirms they offer numerous discounts for Missouri teens, including good student and defensive driving course reductions.

Cons

• Limited Local Agents: Missouri teens who prefer to get service in person might feel that Geico does not have enough offices in the state.
• Policy Framework: Geico offers affordable insurance for teen drivers in Missouri. They are more reliable with prices than some other companies.

#3 – State Farm: Best for Personalized Policies

Pros

• Accessible Expert Help: State Farm have most agents in Missouri. They help teen drivers to pick right insurance coverage personally.
• Good Student Benefits: Missouri teens with good grades qualify for substantial discounts, potentially lowering their $163 monthly minimum coverage rate significantly.
• Driver Training Programs: According to our State Farm review, their Steer Clear program helps Missouri teens become safer drivers while earning additional policy discounts.

Cons

• Higher Urban Rates: Teen drivers in St. Louis and Kansas City may face higher State Farm premiums than those in smaller Missouri communities.
• Limited Online Features: Missouri teens expecting comprehensive digital policy management may find State Farm’s online tools less robust than tech-focused competitors.

#4 – American Family: Best for Loyalty Rewards

Pros

• Long-Term Savings: American Family rewards Missouri teen drivers who maintain clean records with steadily decreasing premiums as they gain experience.
• Family Plan Benefits: Missouri families adding multiple teen drivers can access bundled discounts not highlighted in the American Family auto insurance review.
• Teen-Safe Driver Program: Teens in Missouri have a chance to get up to 20% discount on their $209 monthly minimum coverage if they join the safe-driving monitoring program by American Family.

Cons

• Higher Initial Premiums: First-year Missouri teen drivers typically face higher starting rates with American Family compared to some competitors.
• Limited Coverage Area: Teen drivers living in certain rural parts of Missouri maybe notice American Family Insurance not having so many coverage options.

#5 – Allstate: Best for Add-on Coverages

Pros

• Accident Forgiveness: Missouri teen drivers get advantage from Allstate’s accident forgiveness program. This program stops the rate from going higher after the first accident.
• Education Resources: Allstate provides Missouri teens with extensive educational resources to help them become safer drivers and qualify for additional discounts.
• Vanishing Deductible: Our Allstate auto insurance review includes their exclusive program through which Missouri teens can reduce deductibles by $100 annually for good driving.

Cons

• Pricing Structure: Missouri teens pay relatively expensive $244 monthly minimum coverage premiums compared to other insurers that offer similar levels of coverage.
• Discount Requirements: Missouri teen drivers must meet more conditions in order to receive Allstate’s advertised discounts than other insurance providers.

#6 – Liberty Mutual: Best for Business Vehicles

Pros

• Teen Business Use: Liberty Mutual offers specialized coverage for Missouri teens who occasionally use family vehicles for part-time business or delivery purposes.
• Customizable Protection: Missouri teen drivers can tailor their $247 monthly policies with Liberty Mutual to include only the specific coverages they need.
• Accident Prevention: The Liberty Mutual auto insurance review shows they offer Missouri teens unique technology-based programs to improve driving habits and lower rates.

Cons

• Rate Increases: Teen drivers in Missouri often experience more significant rate increases after claims with Liberty Mutual than with some competitors.
• Limited Rural Coverage: Teens in remote Missouri areas may find Liberty Mutual’s coverage options and claim service networks less comprehensive than those of larger insurers.

#7 – The General: Best for High-Risk Coverage

Pros

• Second-Chance Policies: The General specializes in providing cheap full coverage car insurance in Missouri for teens with accidents or violations on their records.
• Easy Qualification: Missouri teens with little driving or credit history can get coverage through The General’s easy approval process (Read More: The General Auto Insurance Review).
• Flexible Payment Options: Missouri teen drivers appreciate The General’s multiple alternative payment plan strategies to accommodate the $275 yearly premium payments.

Cons

• Standard Protection: Teenagers in Missouri looking for premium policy features might find The General’s basic policy features lacking compared to larger insurance companies.
• Customer Service Limitations: Teen drivers in Missouri sometimes say they are not as happy with their claim experiences when compared to those who have more expensive insurance companies.

#8 – Progressive: Best for Safe-Driving Discounts

Pros

• Snapshot Program: Missouri teen drivers can save substantially on their $313 monthly rates through Progressive’s usage-based Snapshot program (Read More: Progressive Snapshot Review).
• Name Your Price Tool: Progressive’s unique tool helps Missouri teens find the cheapest insurance for young drivers that fits their specific budget constraints.
• Ticket Forgiveness: The company offers Missouri teens forgiveness for their first minor violation, preventing rate increases.

Cons

• Higher Initial Rates: In Missouri, teenage drivers usually get high initial rates with Progressive insurance before they can benefit from discounts for safe driving on their policies.
• Complex Discount Structure: Teenage drivers in Missouri sometimes feel that the many discount programs from Progressive are confusing and difficult to use completely to save money.

#9 – Farmers: Best for Family Plans

Pros

• Multi-Vehicle Savings: Farmers in Missouri give big discounts to families who insure more than one vehicle, which helps to balance their higher teen base rate of $432 per month.
• Signal App Benefits: The Farmers auto insurance review highlights their Signal app, which helps Missouri teens improve driving habits while earning significant discounts.
• Student Discounts: Missouri teens who maintain good grades or attend school over 100 miles from home qualify for special rate reductions.

Cons

• Premium Base Rates: Teen drivers in Missouri face some of the highest base premium rates with Farmers compared to other major insurers.
• Limited Economy Options: Missouri families seeking low-income car insurance in Missouri for their teens may find Farmers’ minimum options still relatively expensive.

#10 – Travelers: Best for Bundling Policies

Pros

• Multi-Policy Benefits: Families in Missouri can lower the $517 monthly rates for teen drivers from Travelers by combining this insurance with their home, renters, or other types of insurance they have.
• Student Coverage Extensions: Our Travelers auto insurance review notes they offer extended coverage for Missouri teens attending college, with special away-from-home discounts.
• Responsible Driver Rewards: Missouri teen drivers with clean records for three years receive substantial rate decreases not offered by many competitors.

Cons

• Highest Base Premiums: Travelers charge Missouri teen drivers the highest starting rates among major insurers at $517 monthly for minimum coverage.
• Limited Stand-Alone Value: Teen drivers in Missouri seeking stand-alone auto policies without bundles find significantly less competitive rates compared to other providers.

How to Save Money on Teen Driver Auto Insurance in Missouri

There are several ways to get cheap auto insurance in Missouri. Finding the best auto insurance for young drivers begins with shopping at the cheapest companies.

Teen Driver Auto Insurance in Missouri: Monthly Rates by Coverage Level & Provider

When shopping for the companies with the cheapest teen auto insurance, take a look at what discounts they offer.

Auto Insurance Discounts From the Top Providers for Missouri Teens

Most insurance companies offer discounts tailored exclusively to teens, such as a good student or student-away discount.

Compare Teen Driver Auto Insurance Quotes in Missouri

The average car insurance cost in Missouri for teenagers will also vary by age, gender, and driving record, in addition to coverage type.

Missouri Auto Insurance Monthly Rates by Age, Gender & Driving Record

Teens with good driving records will have a much easier time getting affordable Missouri teen insurance rates, as it is much harder to find cheap insurance for young drivers after an accident, DUI, or ticket.

Missouri Auto Insurance Monthly Rates by Age, Gender & City

Insurance in St. Louis and Kansas City costs slightly more. Where a teen lives could also affect rates in Missouri, though not as much as a bad driving record.

Missouri Auto Insurance Laws & Requirements

Missouri auto insurance requirements only require drivers to have minimum coverage. It is illegal to drive without insurance, although there is a small Missouri auto insurance grace period for teens who have permits.

Take a look at the average rates below to see the difference in cost between full and minimum coverage.

Missouri Auto Insurance Monthly Rates by Age, Gender & Coverage Levell

While full coverage is much more than minimum coverage, it often pays itself off after an accident. Without full coverage auto insurance, teens will have to pay their own repair bills in most accident situations.

If the price is daunting, make sure you are shopping for quotes to help you find the cheapest Missouri car insurance.

How to Add Missouri Teens to a Parent’s Policy

Adding a driver to car insurance is easy. Most insurance companies let customers add a driver online, or customers can call the company to add the driver.

Just make sure to check your company’s rules on permitted driver auto insurance in Missouri and ask about the Missouri car insurance grace period once a teen gets a license.

While some parents may be considering having teens purchase their own policies, the rates below show how much more economical it is for teens to join a parent’s policy, making it easy to compare the cheapest insurance in Missouri.

Missouri Auto Insurance Monthly Rates by Age, Gender & Policy Type

Teens can stay on a parents’ policy even when they go away to college. Some insurance companies even offer a student-away discount on family policies.

Progressive is our top pick for teen auto insurance discounts for its huge savings and rewards for safe drivers. See how much your teen driver can save in our Progressive Snapshot review.

The Cheapest Missouri Auto Insurance Companies for Teens

For affordable teen driver auto insurance in Missouri, Nationwide leads with the lowest rates at $153 a month, offering flexible coverage statewide. Geico follows with strong digital tools and bundling discounts of up to 25%, while State Farm ranks third with Missouri’s largest agent network and solid good student discounts.

While teen insurance is expensive due to how auto insurance rates by age are calculated, this doesn’t mean teen auto insurance has to break the bank. Teens can qualify for discounts and get quotes at the cheapest Missouri companies to reduce auto insurance costs. Joining a parent’s policy will also help keep rates reasonable.

Ready to start saving on teen car insurance in Missouri? Enter your ZIP code into our free tool for free Missouri auto insurance quotes today.