How much is car insurance in Missouri?

The average cost of car insurance in Missouri is $1,982 annually for full coverage. However, these rates vary considerably based on factors like age, coverage levels, driving record and the make and model of the vehicle.

For example, younger drivers and males pay higher insurance rates, as do drivers with poor driving records.

Missouri drivers who only want to carry the minimum car insurance can expect to pay an average of $488. However, collision and comprehensive coverages aren't included, so any damage to your vehicle in an at-fault accident would be paid out of pocket.

"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.

Average annual premium$1,982
Average monthly premium$165

Missouri car insurance rates by company

Every car insurance company uses its own criteria for determining rates. For example, while some emphasize age, others look closely at driving records. Because of this, Missouri car insurance rates vary significantly from company to company.

The table below compares average Missouri car insurance rates from top-rated companies for different coverage levels. On average, Missouri Farm Bureau is the cheapest car insurance company in Missouri.

CompanyState minimumLiability-onlyFull coverage
Missouri Farm Bureau$290$349$1,845
Progressive$389$479$1,960
State Farm$445$521$2,072
Travelers$454$525$1,515
Shelter Insurance$489$593$1,906
Nationwide$497$518$1,361
Auto Club Enterprises (AAA)$663$835$2,346
Allstate$748$896$2,852
GEICO$765$931$3,217
USAA$231$262$1,086

Missouri car insurance costs by coverage level

The cheapest option in Missouri is usually minimum car insurance. But even if you raise the limits, it still won't cover you or damage to your car. Full coverage costs more, but it includes collision and comprehensive insurance, which helps pay for damage to your car from accidents or events like bad weather.

Check out Missouri car insurance costs by coverage level below.

State minimum car insurance$488
Liability-only car insurance$582
Full coverage car insurance$1,982

Missouri car insurance by driver profile

Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.

In most states, credit history also affects car insurance rates. Statistically, drivers with a lower credit score are more likely to file a claim instead of paying out of pocket for damages.

This table compares average car insurance rates in Missouri based on driver profiles. The highest rates in Missouri are for drivers with Bad credit.

Profile groupsAverage annual premiumAnnual premium for profile$ Increase% Increase
At-fault accident$1,982$2,887$90546%
Bad credit$1,982$3,990$2,008101%
Careless driving$1,982$2,757$77539%
Claims$1,982$2,123$1417%
DUI$1,982$2,956$97449%
Reckless driving$1,982$3,022$1,04052%
Speeding$1,982$2,462$48024%
Texting ticket$1,982$2,418$43622%

Missouri car insurance rates by age group

Age can significantly impact car insurance rates. Younger, less experienced drivers see the highest Missouri car insurance rates. Rates decrease considerably with age and experience behind the wheel.

The table below shows average Missouri car insurance rates by age.

Age groupFull coverage car insurance
Teens (16-19)$5,911
Young Adults (20-24)$3,141
Adults (25-60)$2,008
Seniors (65-75)$1,887

How much does car insurance cost in Missouri per month?

The average monthly cost of Missouri car insurance varies based on the amount of coverage you choose. While the minimum required car insurance is the cheapest, full coverage offers more protection at a higher rate.

Coverage levelAverage monthly premium
State Minimum BI/PD$41
Liability Only - 50/100/50 BI/PD$49
Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll$165

Missouri car insurance discounts

Which car insurance discounts are available and how much savings drivers can expect depend on the state and the company. So, savings may vary considerably from company to company in Missouri.

Check out the available car insurance discounts in Missouri below and see how much you can save on average.

Discount type Premium before discount Premium after discount $ Saving 
Air Bags$1,895$1,886$9
Anti-Theft Device$1,895$1,856$39
Daily Commute$1,895$1,748$147
Days Advanced Purchase$1,895$1,752$143
Days Per Week Driven$1,895$1,820$75
Education$1,895$1,838$57
Electronic Funds Transfer$1,895$1,826$69
Homeowner$1,895$1,807$88
Lower Annual Mileage$1,895$1,811$84
Loyalty - Years Renewal With Company$1,895$1,703$192
Marital Status$1,895$1,734$161
Multi Policy$1,895$1,743$152
Paperless/Electornic Documents$1,895$1,826$69
Payment Type$1,895$1,699$196
Primary Use$1,895$1,745$150
Profession$1,895$1,579$316
Safety Devices$1,895$1,834$61
Telematics$1,895$1,694$201
Years Insured$1,895$1,537$358
Years Licensed$1,895$1,415$480

Car insurance requirements in Missouri

Missouri requires drivers to have a minimum amount of car insurance, including:

  • 25/50/25 in liability coverage to help pay for injuries and property damage you cause in an accident.

Keep in mind that the minimum coverage required by Missouri is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.

State minimum requirements25/50/25
State minimum car insurance$488
Liability-only car insurance$582
Full coverage car insurance$1,982

Car insurance rates in Missouri by model year

The vehicle you drive also affects Missouri car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.

See how the model and age of the vehicle affect Missouri car insurance rates below.

L O A D I N G
CompanyStyleAverage annual premium
Nationwide2WD 4 Door Sedan Automatic Turbo$1,485
State Farm2WD 4 Door Sedan Automatic Turbo$1,640
Progressive2WD 4 Door Sedan Automatic Turbo$2,320
Allstate2WD 4 Door Sedan Automatic Turbo$2,384
GEICO2WD 4 Door Sedan Automatic Turbo$3,390

Compare auto insurance rates by city in Missouri

Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Missouri will impact what you pay. Below, we've gathered Missouri car insurance rates by city for comparison.

CityAnnual insurance premium
Blue Springs
$1,945
Clifton Hill
$1,994
Kansas City
$2,155

Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.

We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Missouri to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.

Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.

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