Allstate Auto Insurance in Missouri
Allstate is the 4th-largest U.S. auto carrier (~10% market share) with a long-running agent network. Drivewise telematics + Milewise pay-per-mile options give it broad coverage modality flexibility. Here's what Allstate typically costs in Missouri for 2026 — plus the 3 cheaper alternatives most Missouri drivers overlook.
Estimated annual premium
$2,050
Estimated monthly
$171
Missouri state avg
$1,750
vs Missouri avg
+17%
Why drivers pick Allstate
Strong agent network for hands-on claims support; broad rider library (custom equipment, ridesharing endorsements, classic car).
Where Allstate falls short
Base rates run high — Allstate is consistently in the top quartile for posted rates. Discount-stacking is required to land at competitive pricing.
Missouri minimum coverage requirements
- Bodily Injury Liability: 25/50 thousand per person / per accident
- Property Damage Liability: $25K
Severe weather + above-average uninsured rate keep premiums above the national average.
Cheaper alternatives to Allstate in Missouri
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Allstate for a comparable driver profile in Missouri. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Allstate discounts available to Missouri drivers
Frequently asked questions
How much does Allstate auto insurance cost in Missouri?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Allstate in Missouri runs about $2,050/year (~$171/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Allstate cheaper than other carriers in Missouri?
Allstate is currently about 17% above the Missouri state average of $1,750/year. The cheaper alternatives in Missouri are typically USAA, Erie, GEICO. Whether Allstate is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Missouri minimum coverage requirements?
Missouri requires at least 25/50 thousand in bodily-injury liability per person/per accident and $25K in property-damage liability. Missouri is not a no-fault state, so PIP is optional but recommended for added medical coverage. Severe weather + above-average uninsured rate keep premiums above the national average.
Does Allstate offer discounts to Missouri drivers?
Allstate offers 6+ discounts that Missouri drivers can stack: Drivewise (telematics), Multi-policy, Anti-theft device, Early signing, Responsible payer, Allstate eSmart. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Allstate's national average ($2,108) multiplied by Missouri's state-vs-national premium index ($1,750 ÷ national average $1,789 ≈ 0.98x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Allstate J.D. Power score: 815/1000. A.M. Best rating: A+ (2024).