When it comes to estimating the cost of car insurance in Missouri, personal factors like your age, driving record, ZIP code and the type of vehicle you own or drive matter.
CarInsurance.com’s car insurance rate calculator takes basic details into account to give you a rate estimate in Missouri at three different coverage levels – full coverage (with limits of 100/300/100), liability only (with limits of 50/100/50) and the state minimum. See your average insurance rates in the calculator below.
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- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Missouri.
- The average annual cost of a full coverage policy in Missouri with liability limits of 100/300/100 is $1,982 or $165 per month.
- The minimum liability coverage in Missouri costs around $488 per year, based on CarInsurance.com’s data analysis.
Car insurance calculator Missouri: How to get auto insurance estimates
CarInsurance.com editors recommend comparing quotes from at least three different car insurance companies when your policy is up for renewal. You can use online quoting tools to find car insurance estimates.
Every insurance company uses its own unique rating system, meaning they assess factors like age or driving history differently. For example, if you get a ticket, one insurer might raise your premium by 5%, while another could increase it by 20%.
What factors affect car insurance estimates in Missouri?
Insurance costs vary a lot from state to state, mainly due to different laws. Some states follow tort insurance law, while others use “no-fault” insurance law. In states with tort law, the driver who caused the accident is responsible for paying for the damages. This often leads to legal disputes to figure out who is at fault and how much they should pay.
On the other hand, no-fault insurance laws in some U.S. states simplify the process by requiring each driver’s insurance to pay for their own injuries, no matter who is at fault for the accident.
Learn more: The 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Missouri by car model
It’s a good idea to get car insurance quotes before you purchase a new vehicle so you can factor that cost into your overall budget. Cars with smaller engines and advanced safety features generally have lower insurance premiums, making them a more affordable option to insure. On the contrary, luxury and sports cars usually have higher insurance costs.
| Vehicle type | Average annual rates |
|---|---|
| Convertible | $3,493 |
| Electric | $3,352 |
| Hatchback | $2,139 |
| Hybrid | $2,761 |
| Luxury Car | $3,868 |
| Luxury SUV | $3,298 |
| Minivan | $2,271 |
| Performance SUV | $3,838 |
| Sedan | $2,336 |
| Sports Car | $3,941 |
| Station Wagon | $2,852 |
| SUV | $2,175 |
| Truck | $2,454 |
| Van | $1,956 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
You can estimate your car insurance rates in Missouri by entering your vehicle’s make and model into the calculator below.
Insurance rates by car model
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Missouri car insurance estimates for used cars
Car insurance estimates for used cars in Missouri are typically lower than new vehicles. Insurance rates can vary based on the car’s age, make, model and driving history. It’s important to compare quotes from multiple insurers to find the most affordable coverage for your used car in Missouri.
Use the calculator below to determine your car insurance rates for used cars in Missouri, depending on your vehicle’s make and model.
Average insurance rates for your used car
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FAQ: How to estimate car insurance rates before buying a car in Missouri
How much auto insurance do I need in Missouri?
How much car insurance you need depends on several factors, including financial circumstances, the car’s value and your risk tolerance. If your vehicle is leased or financed, the lender will likely require you to secure comprehensive and collision coverage, commonly known as full coverage, when combined with liability.
Every state has different minimum car insurance coverage requirements. But the minimum requirements usually don’t provide enough protection if you’re involved in an accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in Missouri per month?
The monthly cost of full coverage car insurance in Missouri, including collision, comprehensive, and 100/300/100 liability, is $165. For state minimum liability, it’s $41 per month, while liability coverage with 50/100/50 limits costs $49 monthly.
Does your age impact how much you pay for insurance in Missouri?
In Missouri, young drivers often pay higher car insurance premiums because they have less driving experience and are statistically more prone to accidents. Insurance providers take this data into account when determining the risk, which results in higher rates for younger drivers.
Young drivers are also more likely to participate in risky activities such as speeding and distracted driving, which affects car insurance premiums.
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CarInsurance.com editors collected rates from Quadrant Information Services for a 40-year-old male with a good insurance score and a 12-mile commute. The rates are for a full coverage policy with limits of 100/300/100 and a $500 deductible.
We analyzed 28,561,720 insurance quotes for 1,439 makes and models from 58 national and regional insurance companies across 510 ZIP codes.
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