- The average cost of car insurance in Missouri is $2,151 a year or $179 per month, based on our data analysis.
- Minimum liability coverage in Missouri costs around $496 annually for limits of 25/50/25, while liability-only coverage costs $543 per year for limits of 50/100/50.
- Travelers provides the most affordable annual rates for full coverage car insurance in Missouri, costing $1,692 per year.
- In Missouri, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 32%, a DUI raising rates by 66%, and an at-fault accident by up to 51%.
The cost of car insurance in Missouri varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. Travelers offers the cheapest rates at $1,692 a year for full coverage.
This guide makes buying car insurance in Missouri easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Missouri works and how much coverage you need.
How much is car insurance in Missouri?
CarInsurance.com data found that drivers in Missouri pay $179 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Missouri based on driver profile:
- Teen drivers in Missouri pay the most — about $589 a month or $7,070 a year.
- Young drivers in their 20s pay an average of $307 monthly or $3,678 annually, for car insurance.
- Senior drivers pay around $172 monthly or $2,066 a year.
- A speeding ticket can increase your rates to $237 monthly or $2,840 annually.
- An at-fault accident increases car insurance rates to $270 a month or $3,237 a year.
- Poor credit drivers usually see their car insurance costs increase to $386 monthly or $4,635 annually.
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 policies are the most affordable option and provide the minimum coverage required in Missouri. However, they don’t offer much 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 | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $41 | $496 |
| Liability Only – 50/100/50 BI/PD | $45 | $543 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $179 | $2,151 |
State minimum car insurance in Missouri
Missouri’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
The state minimum car insurance cost in Missouri is $496 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 purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Missouri
According to CarInsurance.com data, liability-only car insurance costs $543 in Missouri for limits 50/100/50.
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
In Missouri, you can expect to pay around $2,151 per year for full coverage car insurance 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.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
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.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Missouri have to bear greater financial burdens than those in areas with lower risks.
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 ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
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.
See how much you’ll pay for car insurance for your specific 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 drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and 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 $2,087 annually.
Drivers aged 16-19 pay $4,983 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 $7,070 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,511 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,087 annually in Missouri.
- For senior drivers: Drivers aged 65 and older can expect to pay $2,066 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 66% as insurers perceive you as a high-risk driver.
If you get caught speeding in Missouri, your car insurance rates will increase by 32% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Missouri following driving incidents:
- Speeding ticket: Up to 32% increase
- DUI conviction: 66% increase
- At-fault accident (bodily injury and property damage): 51% 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.
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
Drivers in Missouri can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car you drive, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Missouri by getting quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Missouri and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Travelers | $438 | $473 | $1,692 |
| Auto-Owners | $412 | $457 | $1,825 |
| Shelter Insurance | $501 | $576 | $1,923 |
| GEICO | $353 | $420 | $1,952 |
| Missouri Farm Bureau Insurance | $343 | $400 | $2,772 |
| Nationwide | $968 | $948 | $2,814 |
| Auto Club Enterprises (AAA) | $710 | $796 | $2,980 |
| USAA | $259 | $282 | $1,273 |
Car insurance rates by city in Missouri
St. Louis is the most expensive city in Missouri, with an average car insurance rate of $2,528 a year. O’Fallon is the cheapest city for Missouri drivers at an average rate of $1,932 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.
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.
Below, you’ll see the average annual car insurance cost of major cities in Missouri.
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?
The average cost of a full-coverage car insurance policy in Missouri costs $179 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
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 | Monthly rates |
|---|---|
| State Minimum BI/PD | $41 |
| Liability Only – 50/100/50 BI/PD | $45 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $179 |
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 April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
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.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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