- The average cost of car insurance in Missouri is $1,982 a year or $165 per month, based on our data analysis.
- Minimum liability coverage in Missouri costs around $488 annually for limits of 25/50/25, while liability-only coverage costs $582 per year for limits of 50/100/50.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Missouri, costing $1,361 per year.
- In Missouri, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 26%, a DUI raising rates by 41%, and an at-fault accident by up to 59%.
Car insurance rates vary greatly based on your ZIP code, the coverage you choose and other personal details, such as age and driving record. CarInsurance.com’s data shows that Nationwide offers the most affordable car insurance at $1,361 per year.
We’ve compiled this detailed guide to help you choose the right car insurance in Missouri. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how car insurance works in Missouri and how much you need.
How much is car insurance in Missouri?
In Missouri, drivers pay an average of $165 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
See how rates change in Missouri based on driver profile:
- Teen drivers in Missouri pay the most – about $493 a month or $5,911 a year.
- Young drivers in their 20s pay an average of $262 monthly or $3,141 annually, for car insurance.
- Senior drivers pay around $157 monthly or $1,887 a year.
- A speeding ticket can increase your rates to $205 monthly or $2,461 annually.
- An at-fault accident increases car insurance rates to $241 a month or $2,887 a year.
- Poor credit drivers usually see their car insurance costs increase to $332 monthly or $3,978 annually.
Average cost of auto insurance in Missouri by coverage level
In Missouri, car insurance rates can differ depending on how much coverage you choose. Drivers in Missouri are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
Liability-only insurance is the least expensive coverage and meets the minimum legal requirements in Missouri, but it doesn’t offer adequate protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Missouri for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $41 | $488 |
| Liability Only – 50/100/50 BI/PD | $49 | $582 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $165 | $1,982 |
State minimum car insurance in Missouri
Missouri laws mandate that all drivers carry insurance with minimum liability limits of $25,000 for bodily injury liability per person, $50,000 for bodily injury liability per accident and $25,000 for property damage liability.
In Missouri, you can get state minimum car insurance for $488 per year. However, this minimum coverage doesn’t offer enough protection. Drivers can add other types of insurance, such as comprehensive and collision, increase their liability limits and buy personal injury coverage for added protection.
Drivers in Missouri must be aware of the minimum insurance coverage requirements to stay compliant.
Liability-only car insurance in Missouri
The average cost of liability-only insurance in Missouri is $582 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Missouri
The average annual premium in Missouri is $1,982 for a full coverage policy with limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
When it comes to car insurance, experts recommend opting for full coverage with the highest liability limits you can afford. It includes liability, comprehensive and collision coverage with a deductible. Full coverage car insurance protects you from unexpected events on the road. with a deductible.
Calculate the cost of car insurance in Missouri
A policy that is perfect for someone living in one ZIP code might be expensive for a driver living in another.
Different areas pose more or less risk based on crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that information to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Missouri have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Enter your ZIP code into our free tool to see how much you can save.
Calculate car insurance rates by ZIP code in Missouri
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Estimate car insurance in Missouri by car model
Missouri car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Missouri.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Missouri
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Missouri drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,944 annually.
Car insurance for drivers aged 16-19 costs $3,967 more annually than Missouri drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,911 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,026 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,944 per year in Missouri.
- For senior drivers: Drivers age 65 and older can expect to pay $1,887 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Missouri
A history of DUI, speeding, or at-fault accidents often results in significant hikes in insurance premiums. In Missouri, a DUI conviction lead to increased rates and you may see a rate hike of up to 41% as insurers categorize you as a high-risk driver.
If you receive a speeding ticket in Missouri, be prepared for your car insurance rates to rise by up to 26% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Find below how much your car insurance rate increases depending on driving incidents:
- Speeding ticket: Up to 26% increase
- DUI conviction: 41% increase
- At-fault accident (bodily injury and property damage): 59% increase
Even if you’ve received a traffic ticket, you can still save money by comparing insurance quotes.
Car insurance cost in Missouri for high-risk drivers
High-risk drivers in Missouri pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce their premium payments. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Missouri
In Missouri, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Missouri by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Missouri, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Nationwide | $497 | $518 | $1,361 |
| Travelers | $454 | $525 | $1,515 |
| Missouri Farm Bureau Grp | $290 | $349 | $1,845 |
| Shelter Insurance | $489 | $593 | $1,906 |
| Progressive | $389 | $479 | $1,960 |
| State Farm | $445 | $521 | $2,072 |
| Auto Club Enterprises (AAA) | $663 | $835 | $2,346 |
| Allstate | $748 | $896 | $2,852 |
| GEICO | $765 | $931 | $3,217 |
| USAA | $231 | $262 | $1,086 |
Car insurance rates by city in Missouri
Pagedale is Missouri’s most expensive city for car insurance at an average cost of $2,456 annually. Jefferson City is the state’s least expensive city, with an average car insurance rate of $1,776 annually.
Car insurance costs differ from city to city in Missouri, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Missouri’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Missouri per month?
In Missouri, a full coverage car insurance policy with 100/300/100 limits typically costs about $165 per month.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $41 |
| Liability Only – 50/100/50 BI/PD | $49 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $165 |
Final thoughts on choosing car insurance in Missouri
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Missouri.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Missouri. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
