- 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 costs in Missouri vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Nationwide offers the cheapest annual rates for full coverage car insurance in Missouri at $1,361 annually.
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 auto insurance in Missouri works and how much insurance you need.
How much is car insurance in Missouri?
CarInsurance.com data found that drivers in Missouri pay $165 monthly for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
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 policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
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.
The state minimum coverage in Missouri costs $488 a year but doesn’t provide much protection for drivers. Missouri drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Missouri must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Missouri
Liability-only car insurance costs $582 in Missouri for coverage limits of 50/100/50, according to CarInsurance.com data.
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
On average, premiums for full coverage car insurance in Missouri cost $1,982 per year for the 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.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Missouri pay more for premiums than those in lower-risk areas.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
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 ( Liability - Minimum)
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Estimate car insurance in Missouri by car model
In Missouri, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
Find out how much you’ll pay for car insurance for your vehicle 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.
Car insurance companies know teen drivers are less experienced and riskier to insure. Missouri drivers aged 30 to 60 have the lowest average auto insurance rates at $1,944 annually.
Drivers aged 16-19 pay $3,967 more for car insurance than Missouri drivers aged 30-60 per year.
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 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,944 annually in Missouri.
- For senior drivers: Drivers aged 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
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Missouri can increase your premiums by up to 41% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Missouri, you’ll likely see an increase in your car insurance premium by up to 26% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Missouri following 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, comparing quotes can still help you save money.
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.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
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 rates vary by city in Missouri for several reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
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.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount. Ultimately, your best option will depend on your needs and circumstances.
| 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
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
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.
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