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.
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.
- Nationwide provides the most affordable annual rates for full coverage car insurance in Missouri, at $1,361 per year.
- In Missouri, car insurance costs can change based on the type of coverage, coverage limits, age, location, make and model of your car and your driving record.
- 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.
- 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?
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.
Average cost of auto insurance in Missouri by coverage level
Car insurance costs in Missouri can differ based on the coverage limit. To legally drive, Missouri residents must adhere to the minimum liability limits of 25/50/25.
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.
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
In Missouri, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of 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 be aware of the minimum car insurance requirements to remain legally compliant.
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 insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Missouri
In Missouri, you can expect to pay around $1,982 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.
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.
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Calculate the cost of car insurance in Missouri
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
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, people living in higher-risk neighborhoods of Missouri have to pay more than those living where the risks are lower.
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
Estimate car insurance in Missouri by car model
Missouri car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper 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 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.
Missouri drivers aged 16-19 pay $3,967 more for insurance premiums than drivers aged 30-60.
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 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,944 per year in Missouri.
- For senior drivers: Drivers age 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.
If you get caught speeding in Missouri, your car insurance rates will increase by 26% 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.
Find below how much your car insurance rate increases depending on 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, you can still save money by comparing insurance quotes.
Car insurance cost in Missouri for high-risk drivers
In Missouri, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance 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
Average car insurance cost in different states of U.S.
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Compare car insurance quotes in Missouri
In Missouri, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in Missouri by getting quotes from multiple insurance providers and comparing them.
Below are the details of Missouri car insurance companies and their 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 premiums differ across cities in Missouri and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
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.
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 | 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.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Missouri.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2024.
- USAA. “How credit affects insurance premiums.” Accessed September 2024.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Missouri