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.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Missouri, costing $1,361 per year.
- In Missouri, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Missouri costs $488 annually for limits of 25/50/25, while liability-only coverage costs $582 per year for limits of 50/100/50.
- 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%.
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 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.
Average cost of auto insurance in Missouri by coverage level
In Missouri, the cost of car insurance can vary depending on how much coverage you purchase. Missouri drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
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 is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Missouri for three different coverages.
| 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 car insurance cost in Missouri is $488 a year. However, this basic coverage only offers limited protection. Missouri drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better 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.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Missouri
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive 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, 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.
Missouri car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Missouri by car model
Car insurers in Missouri use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may raise your rates more than those that may cost less to fix.
For instance, Maserati, BMW, Porsche and Audi are some of the most expensive cars to insure. Subaru, Hyundai, Honda and Mazda are among the cheapest cars to insure.
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
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
Auto insurance companies understand that teenage drivers typically have less experience and pose a higher risk to insure. In Missouri, drivers aged 30 to 60 enjoy the lowest average auto insurance premiums, 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
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Missouri, a DUI conviction often results in higher premiums and you may see an increase of up to 41% as insurers perceive you as a high-risk 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 is how much your car insurance rate increases in Missouri after driving incidents:
- Speeding ticket: Up to 26% increase
- DUI conviction: 41% increase
- At-fault accident (bodily injury and property damage): 59% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Missouri for high-risk drivers
In Missouri, drivers deemed high-risk face higher car insurance premiums due to the increased risk. Factors such as past accidents, traffic infractions and low credit scores significantly affect premium costs.
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 this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,520 |
| Travelers | $2,032 |
| Nationwide | $2,189 |
| State Farm | $2,412 |
| Progressive | $2,644 |
| Auto Club Enterprises (AAA) | $3,675 |
| Allstate | $4,034 |
| Geico | $6,473 |
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.
Compare the best car insurance options in Missouri by getting quotes from different insurance companies.
Below is a breakdown of car insurance companies in Missouri and 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 the most expensive city in Missouri, with an average car insurance rate of $2,456 a year. Jefferson City is the cheapest city for Missouri drivers at an average 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.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
The table below shows the average annual car insurance premiums for Missouri’s largest cities.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,102 |
| Nationwide | $1,312 |
| Travelers | $1,511 |
| Missouri Farm Bureau | $1,651 |
| Progressive | $1,722 |
| State Farm | $1,913 |
| Shelter Insurance | $1,920 |
| Auto Club Enterprises (AAA) | $2,494 |
| Allstate | $2,769 |
| Geico | $3,055 |
How much does car insurance cost in Missouri per month?
The average cost of a full-coverage car insurance policy in Missouri costs $165 monthly for coverage limits of 100/300/100.
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.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your 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
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 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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