Missouri car insurance laws and requirements: What is changing in 2025

Q: Will my bare minimum car insurance cover me in another state?

Yes , your car insurance covers claims in another state, even if the minimums are higher in the other state.

Missouri car insurance laws

Missouri requires that drivers carry at least 25/50/25.

These limits are in place to ease the financial burden for drivers who cause an accident and for the victims. The at-fault driver knows their insurer will cover medical expenses and property damage up to a certain amount, and victims can more readily access funds to pay for accident costs.

However, coverage limits are very low and will not cover expenses from a serious accident. To be better protected, Missouri drivers should consider increasing liability limits and adding coverage, such as collision and comprehensive.

Missouri car insurance requirements

Missouri requires the following coverage:

Liability. There are two parts to liability coverage. First, bodily injury liability pays medical costs associated with an accident, such as doctor visits, surgery, and prescriptions. Second, property damage liability covers repairing or replacing items such as vehicles, fences, or buildings.

Missouri liability minimums are 25/50/25.

The average cost of a minimum coverage policy is $488. However, Missouri Farm Bureau has the lowest minimum car insurance rates, averaging $290.

The table below shows the top insurers' average rates for minimum coverage in Missouri.

Company	Average annual premium	Average monthly premium
Missouri Farm Bureau	$290	$24
Progressive	$389	$32
State Farm	$445	$37
Travelers	$454	$38
Shelter Insurance	$489	$41
Nationwide	$497	$41
Auto Club Enterprises (AAA)	$663	$55
Allstate	$748	$62
Geico	$765	$64
USAA	$231	$19

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Missouri car insurance cost for minimum coverage limits

On average, state minimum car insurance costs $488. Car insurance rates for minimum coverage vary by company and driver. The table below shows average rates for drivers with minimum coverage in Missouri.

The cheapest company for minimum coverage in Missouri is Missouri Farm Bureau at an average rate of $290 annually.

State minimum coverage limit	25/50/25
Average annual premium	$488
Average monthly premium	$41

Read our methodology

Are the Missouri minimum coverage requirements changing in 2025?

Missouri car insurance requirements will not change in 2025. You do not need to make any changes if you have minimum coverage. If mandatory coverage changes in the future, your insurer will inform you, along with any rate changes.

Why do limits change?

"Several states have minimum requirements of property damage of $10,000-$25,000," says Zack Pope, agency manager at David Pope Insurance in Missouri. "[Given] the current values of vehicles, that's extremely antiquated values of coverage and a main reason that I personally do not offer less than 100/300/100 to customers. It is significantly easier to see a car on the road that is valued at $100,000 than it has been in the past."

What does minimum car insurance cover in Missouri?

Missouri requires drivers to carry at least a minimum amount of car insurance to help offset accident costs.

Missouri drivers are required to carry liability coverage. Bodily injury liability helps pay for injuries you cause to others in an accident. Property damage liability covers items damaged in an accident, such as another vehicle, fence, or other property.

PEOPLE ASK:

Is Missouri minimum car insurance enough?

It may not be. Even a moderately serious accident could exceed the state minimum limits of 25/50/25, and minimum coverage may not cover all accident costs. Furthermore, state minimums do not cover your vehicle; you need to add comprehensive and collision coverage.

How much car insurance is enough in Missouri?

Car insurance isn't one size fits all. The amount of coverage you need depends on your assets, net worth and risk level.

For example, if you are financially stable and can afford to pay out of pocket for medical costs and repairs, you may keep insurance limits low. However, you may be sued for the cost difference if you have a sizeable net worth and don't carry enough insurance to cover expenses.

Additionally, if you drive very little or have a short commute, your chances of causing an accident are relatively low. Also, you may choose to skip coverages such as collision and comprehensive if your car isn't worth much, or you can afford to pay for a new vehicle if yours is damaged. However, if you have a loan or lease you will be required to carry this coverage by your lender.

Consider your financial situation when determining how much car insurance you need.

Missouri penalties for driving without car insurance

Since Missouri requires its drivers to carry car insurance, failing to do so has consequences. Although you may be tempted to skip coverage to save money, you'll wind up paying heavily in the long run.

Failing to carry Missouri car insurance has penalties including those listed below. Keep in mind that repeated infractions have more severe penalties, such as jail time.

Fines	$20 - $400
Other penalties	License suspension
Jail time	No

Read our methodology

Missouri minimum coverage cost by age group

Younger drivers pay for more car insurance because they lack experience behind the wheel. Fortunately, rates decrease as drivers age.

The table below breaks down the cost of car insurance for various age groups. Missouri Farm Bureau has the best rates for teens with minimum coverage averaging $779. Missouri Farm Bureau offers the cheapest coverage for adults at $286.

Additionally, females and males pay different rates. The average rate for a 40-year-old female is $492, and the average rate for a 40-year-old male is $484, a difference of $8.

Male

Male
Female

Age	Company	Male annual premium	Male monthly premium
16	Missouri Farm Bureau	$1,008	$84
16	Shelter Insurance	$1,440	$120
16	State Farm	$1,925	$160
16	Travelers	$2,065	$172
16	Nationwide	$2,603	$217
16	Geico	$2,663	$222
16	Progressive	$2,942	$245
16	Auto Club Enterprises (AAA)	$4,040	$337
16	Allstate	$4,542	$379
17	Missouri Farm Bureau	$1,008	$84
17	Shelter Insurance	$1,339	$112
17	Travelers	$1,588	$132
17	State Farm	$1,668	$139
17	Geico	$2,126	$177
17	Progressive	$2,135	$178
17	Nationwide	$2,493	$208
17	Allstate	$2,697	$225
17	Auto Club Enterprises (AAA)	$3,319	$277
18	Missouri Farm Bureau	$867	$72
18	Shelter Insurance	$1,237	$103
18	Travelers	$1,262	$105
18	State Farm	$1,429	$119
18	Progressive	$1,648	$137
18	Geico	$1,926	$161
18	Allstate	$1,992	$166
18	Nationwide	$2,051	$171
18	Auto Club Enterprises (AAA)	$2,749	$229
19	Missouri Farm Bureau	$778	$65
19	Progressive	$954	$80
19	Travelers	$968	$81
19	Shelter Insurance	$1,127	$94
19	State Farm	$1,221	$102
19	Geico	$1,494	$125
19	Allstate	$1,508	$126
19	Nationwide	$1,763	$147
19	Auto Club Enterprises (AAA)	$2,185	$182
20	Missouri Farm Bureau	$778	$65
20	Travelers	$821	$68
20	Progressive	$844	$70
20	Shelter Insurance	$1,012	$84
20	State Farm	$1,052	$88
20	Allstate	$1,310	$109
20	Geico	$1,357	$113
20	Nationwide	$1,537	$128
20	Auto Club Enterprises (AAA)	$1,891	$158
21	Missouri Farm Bureau	$520	$43
21	Progressive	$681	$57
21	Travelers	$698	$58
21	Geico	$876	$73
21	State Farm	$884	$74
21	Shelter Insurance	$900	$75
21	Nationwide	$1,041	$87
21	Allstate	$1,122	$94
21	Auto Club Enterprises (AAA)	$1,591	$133
22	Missouri Farm Bureau	$520	$43
22	Progressive	$619	$52
22	Travelers	$637	$53
22	Geico	$784	$65
22	State Farm	$789	$66
22	Shelter Insurance	$828	$69
22	Nationwide	$907	$76
22	Allstate	$1,003	$84
22	Auto Club Enterprises (AAA)	$1,370	$114
23	Missouri Farm Bureau	$515	$43
23	Progressive	$563	$47
23	Travelers	$585	$49
23	State Farm	$688	$57
23	Geico	$721	$60
23	Shelter Insurance	$774	$65
23	Nationwide	$833	$69
23	Allstate	$946	$79
23	Auto Club Enterprises (AAA)	$1,216	$101
24	Missouri Farm Bureau	$515	$43
24	Progressive	$524	$44
24	Travelers	$554	$46
24	State Farm	$603	$50
24	Geico	$731	$61
24	Shelter Insurance	$731	$61
24	Nationwide	$777	$65
24	Allstate	$896	$75
24	Auto Club Enterprises (AAA)	$1,082	$90
25	Missouri Farm Bureau	$371	$31
25	Progressive	$450	$38
25	Travelers	$502	$42
25	State Farm	$532	$44
25	Nationwide	$674	$56
25	Geico	$722	$60
25	Shelter Insurance	$740	$62
25	Allstate	$845	$70
25	Auto Club Enterprises (AAA)	$900	$75
30	Missouri Farm Bureau	$290	$24
30	Progressive	$398	$33
30	State Farm	$440	$37
30	Travelers	$492	$41
30	Nationwide	$552	$46
30	Shelter Insurance	$642	$54
30	Auto Club Enterprises (AAA)	$669	$56
30	Geico	$677	$56
30	Allstate	$755	$63
35	Missouri Farm Bureau	$290	$24
35	Progressive	$383	$32
35	State Farm	$436	$36
35	Travelers	$491	$41
35	Nationwide	$507	$42
35	Shelter Insurance	$536	$45
35	Auto Club Enterprises (AAA)	$660	$55
35	Geico	$697	$58
35	Allstate	$753	$63
40	Missouri Farm Bureau	$290	$24
40	Progressive	$377	$31
40	State Farm	$444	$37
40	Travelers	$461	$38
40	Nationwide	$486	$41
40	Shelter Insurance	$489	$41
40	Auto Club Enterprises (AAA)	$663	$55
40	Geico	$720	$60
40	Allstate	$748	$62
45	Missouri Farm Bureau	$290	$24
45	Progressive	$375	$31
45	State Farm	$449	$37
45	Shelter Insurance	$461	$38
45	Travelers	$461	$38
45	Nationwide	$478	$40
45	Auto Club Enterprises (AAA)	$658	$55
45	Geico	$704	$59
45	Allstate	$745	$62
50	Missouri Farm Bureau	$263	$22
50	Progressive	$360	$30
50	Shelter Insurance	$420	$35
50	State Farm	$441	$37
50	Travelers	$461	$38
50	Nationwide	$470	$39
50	Auto Club Enterprises (AAA)	$634	$53
50	Geico	$703	$59
50	Allstate	$735	$61
55	Missouri Farm Bureau	$263	$22
55	Progressive	$367	$31
55	Shelter Insurance	$394	$33
55	State Farm	$432	$36
55	Travelers	$441	$37
55	Nationwide	$461	$38
55	Auto Club Enterprises (AAA)	$601	$50
55	Geico	$692	$58
55	Allstate	$718	$60
60	Missouri Farm Bureau	$263	$22
60	Progressive	$364	$30
60	Shelter Insurance	$394	$33
60	State Farm	$422	$35
60	Travelers	$446	$37
60	Nationwide	$461	$38
60	Auto Club Enterprises (AAA)	$584	$49
60	Geico	$703	$59
60	Allstate	$722	$60
65	Missouri Farm Bureau	$276	$23
65	Progressive	$371	$31
65	Shelter Insurance	$419	$35
65	State Farm	$422	$35
65	Nationwide	$478	$40
65	Travelers	$481	$40
65	Auto Club Enterprises (AAA)	$582	$49
65	Allstate	$727	$61
65	Geico	$763	$64
70	Missouri Farm Bureau	$276	$23
70	Progressive	$404	$34
70	State Farm	$445	$37
70	Shelter Insurance	$456	$38
70	Travelers	$509	$42
70	Nationwide	$539	$45
70	Auto Club Enterprises (AAA)	$628	$52
70	Allstate	$771	$64
70	Geico	$829	$69
75	Missouri Farm Bureau	$306	$26
75	Progressive	$472	$39
75	Shelter Insurance	$489	$41
75	State Farm	$494	$41
75	Travelers	$563	$47
75	Nationwide	$617	$51
75	Auto Club Enterprises (AAA)	$708	$59
75	Allstate	$863	$72
75	Geico	$936	$78
16	USAA	$1,023	$85
17	USAA	$702	$59
18	USAA	$597	$50
19	USAA	$504	$42
20	USAA	$439	$37
21	USAA	$334	$28
22	USAA	$314	$26
23	USAA	$298	$25
24	USAA	$285	$24
25	USAA	$274	$23
30	USAA	$248	$21
35	USAA	$235	$20
40	USAA	$230	$19
45	USAA	$226	$19
50	USAA	$221	$18
55	USAA	$220	$18
60	USAA	$220	$18
65	USAA	$234	$20
70	USAA	$267	$22
75	USAA	$305	$25

Read our methodology

Age	Company	Female annual premium	Female monthly premium
16	Missouri Farm Bureau	$685	$57
16	Shelter Insurance	$1,144	$95
16	State Farm	$1,518	$127
16	Travelers	$1,572	$131
16	Nationwide	$2,383	$199
16	Geico	$3,015	$251
16	Progressive	$2,681	$223
16	Auto Club Enterprises (AAA)	$3,231	$269
16	Allstate	$4,542	$379
17	Missouri Farm Bureau	$685	$57
17	Shelter Insurance	$1,073	$89
17	Travelers	$1,242	$104
17	State Farm	$1,312	$109
17	Geico	$2,451	$204
17	Progressive	$1,929	$161
17	Nationwide	$2,286	$191
17	Allstate	$2,697	$225
17	Auto Club Enterprises (AAA)	$2,630	$219
18	Missouri Farm Bureau	$632	$53
18	Shelter Insurance	$1,004	$84
18	Travelers	$1,011	$84
18	State Farm	$1,138	$95
18	Progressive	$1,529	$127
18	Geico	$2,199	$183
18	Allstate	$1,992	$166
18	Nationwide	$1,880	$157
18	Auto Club Enterprises (AAA)	$2,172	$181
19	Missouri Farm Bureau	$568	$47
19	Progressive	$903	$75
19	Travelers	$801	$67
19	Shelter Insurance	$935	$78
19	State Farm	$987	$82
19	Geico	$1,737	$145
19	Allstate	$1,508	$126
19	Nationwide	$1,576	$131
19	Auto Club Enterprises (AAA)	$1,772	$148
20	Missouri Farm Bureau	$568	$47
20	Travelers	$700	$58
20	Progressive	$813	$68
20	Shelter Insurance	$864	$72
20	State Farm	$867	$72
20	Allstate	$1,310	$109
20	Geico	$1,443	$120
20	Nationwide	$1,399	$117
20	Auto Club Enterprises (AAA)	$1,525	$127
21	Missouri Farm Bureau	$384	$32
21	Progressive	$668	$56
21	Travelers	$614	$51
21	Geico	$1,008	$84
21	State Farm	$747	$62
21	Shelter Insurance	$768	$64
21	Nationwide	$953	$79
21	Allstate	$1,122	$94
21	Auto Club Enterprises (AAA)	$1,279	$107
22	Missouri Farm Bureau	$384	$32
22	Progressive	$632	$53
22	Travelers	$573	$48
22	Geico	$922	$77
22	State Farm	$682	$57
22	Shelter Insurance	$738	$62
22	Nationwide	$833	$69
22	Allstate	$1,003	$84
22	Auto Club Enterprises (AAA)	$1,117	$93
23	Missouri Farm Bureau	$384	$32
23	Progressive	$571	$48
23	Travelers	$549	$46
23	State Farm	$600	$50
23	Geico	$889	$74
23	Shelter Insurance	$690	$58
23	Nationwide	$772	$64
23	Allstate	$943	$79
23	Auto Club Enterprises (AAA)	$990	$83
24	Missouri Farm Bureau	$384	$32
24	Progressive	$529	$44
24	Travelers	$539	$45
24	State Farm	$545	$45
24	Geico	$855	$71
24	Shelter Insurance	$652	$54
24	Nationwide	$716	$60
24	Allstate	$888	$74
24	Auto Club Enterprises (AAA)	$923	$77
25	Missouri Farm Bureau	$304	$25
25	Progressive	$476	$40
25	Travelers	$489	$41
25	State Farm	$494	$41
25	Nationwide	$622	$52
25	Geico	$847	$71
25	Shelter Insurance	$733	$61
25	Allstate	$843	$70
25	Auto Club Enterprises (AAA)	$815	$68
30	Missouri Farm Bureau	$290	$24
30	Progressive	$428	$36
30	State Farm	$441	$37
30	Travelers	$478	$40
30	Nationwide	$540	$45
30	Shelter Insurance	$643	$54
30	Auto Club Enterprises (AAA)	$669	$56
30	Geico	$790	$66
30	Allstate	$755	$63
35	Missouri Farm Bureau	$290	$24
35	Progressive	$413	$34
35	State Farm	$437	$36
35	Travelers	$475	$40
35	Nationwide	$528	$44
35	Shelter Insurance	$536	$45
35	Auto Club Enterprises (AAA)	$663	$55
35	Geico	$822	$69
35	Allstate	$754	$63
40	Missouri Farm Bureau	$290	$24
40	Progressive	$401	$33
40	State Farm	$445	$37
40	Travelers	$447	$37
40	Nationwide	$507	$42
40	Shelter Insurance	$489	$41
40	Auto Club Enterprises (AAA)	$663	$55
40	Geico	$818	$68
40	Allstate	$748	$62
45	Missouri Farm Bureau	$290	$24
45	Progressive	$400	$33
45	State Farm	$449	$37
45	Shelter Insurance	$460	$38
45	Travelers	$447	$37
45	Nationwide	$486	$41
45	Auto Club Enterprises (AAA)	$658	$55
45	Geico	$801	$67
45	Allstate	$745	$62
50	Missouri Farm Bureau	$263	$22
50	Progressive	$379	$32
50	Shelter Insurance	$414	$35
50	State Farm	$440	$37
50	Travelers	$447	$37
50	Nationwide	$470	$39
50	Auto Club Enterprises (AAA)	$634	$53
50	Geico	$794	$66
50	Allstate	$734	$61
55	Missouri Farm Bureau	$263	$22
55	Progressive	$371	$31
55	Shelter Insurance	$386	$32
55	State Farm	$432	$36
55	Travelers	$428	$36
55	Nationwide	$453	$38
55	Auto Club Enterprises (AAA)	$601	$50
55	Geico	$790	$66
55	Allstate	$718	$60
60	Missouri Farm Bureau	$263	$22
60	Progressive	$373	$31
60	Shelter Insurance	$386	$32
60	State Farm	$421	$35
60	Travelers	$432	$36
60	Nationwide	$445	$37
60	Auto Club Enterprises (AAA)	$584	$49
60	Geico	$789	$66
60	Allstate	$722	$60
65	Missouri Farm Bureau	$276	$23
65	Progressive	$393	$33
65	Shelter Insurance	$418	$35
65	State Farm	$422	$35
65	Nationwide	$453	$38
65	Travelers	$465	$39
65	Auto Club Enterprises (AAA)	$582	$49
65	Allstate	$727	$61
65	Geico	$810	$68
70	Missouri Farm Bureau	$276	$23
70	Progressive	$413	$34
70	State Farm	$445	$37
70	Shelter Insurance	$453	$38
70	Travelers	$487	$41
70	Nationwide	$495	$41
70	Auto Club Enterprises (AAA)	$628	$52
70	Allstate	$769	$64
70	Geico	$869	$72
75	Missouri Farm Bureau	$306	$26
75	Progressive	$446	$37
75	Shelter Insurance	$485	$40
75	State Farm	$493	$41
75	Travelers	$524	$44
75	Nationwide	$548	$46
75	Auto Club Enterprises (AAA)	$703	$59
75	Allstate	$859	$72
75	Geico	$912	$76
16	USAA	$1,001	$83
17	USAA	$683	$57
18	USAA	$579	$48
19	USAA	$492	$41
20	USAA	$432	$36
21	USAA	$331	$28
22	USAA	$310	$26
23	USAA	$297	$25
24	USAA	$284	$24
25	USAA	$274	$23
30	USAA	$252	$21
35	USAA	$237	$20
40	USAA	$232	$19
45	USAA	$227	$19
50	USAA	$223	$19
55	USAA	$221	$18
60	USAA	$222	$19
65	USAA	$234	$20
70	USAA	$262	$22
75	USAA	$293	$24

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Missouri minimum coverage cost by city

Columbia drivers pay the least for minimum coverage in Missouri at $498. However, St. Louis pay the most at $676.

Car insurance rates vary by city. For example, drivers in larger cities with a high traffic volume or vehicle theft rate pay higher rates.

The table below shows average minimum coverage rates for cities in Missouri.

City	Average annual premium	Average monthly premium
Columbia	$498	$41
St. Joseph	$513	$43
Lee's Summit	$552	$46
Blue Springs	$567	$47
Springfield	$572	$48
Independence	$575	$48
St. Charles	$577	$48
O'Fallon	$580	$48
Kansas City	$599	$50
St. Louis	$676	$56

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Optional car insurance coverage in Missouri

Missouri requires drivers to carry car insurance to pay for injuries and damages caused to others. However, drivers don't have to carry coverage for their vehicle unless required by a loan or lease.

Drivers may choose optional coverages such as:

Collision. Collision coverage pays for damages to your vehicle if you cause an accident.
Comprehensive. This coverage pays for damages to your car unrelated to an accident, such as fire, flood, falling debris, and hail.
Rental car coverage. This pays for a rental car if your vehicle is being repaired for a covered claim and usually has time and cost limits.
Roadside assistance. If you run out of gas, need a tire changed, or have a dead battery roadside assistance will send someone to help.
Gap. Gap coverage pays the difference between what you owe on a car loan and the vehicle's value.

Methodology

Insurance.com commissioned state minimum car insurance rates from Quadrant Information Systems based on a 40-year-old driver with good credit and a clean driving history, driving a 2023 Honda Accord LX. Rates are based on all coverages required by law at minimum coverage limits. Rates were also fielded for various additional age groups. State laws were gathered from state DMV and insurance department websites.

Missouri car insurance laws and requirements: FAQs

Will my bare minimum car insurance cover me in another state?

Yes, your car insurance covers claims in another state, even if the minimums are higher in the other state.

What happens if I drive without car insurance in Missouri?

If you're caught driving without car insurance in Missouri, you may face fines, a driver's license suspension, having your vehicle impounded, and increased car insurance rates. Additionally, you may face jail time, especially for multiple violations.