Missouri's average annual full coverage car insurance cost is $1,603, while minimum coverage averages $715. These rates are $307 and $120 more expensive, respectively, than the national averages.
Average Cost of Car Insurance in Missouri
Updated: December 19, 2024
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Key Takeaways
Drivers in Missouri pay about 24% more for full coverage car insurance than the national average.
For minimum coverage, residents pay around 20% more than the national average.
The average annual cost of car insurance in Missouri is $715 for minimum coverage and $1,603 for full coverage, making it one of the pricier states.
How Much Is Car Insurance in Missouri?
| Full Coverage | $1,603 | $1,296 | 24% |
| State Minimum Liability Only | $715 | $595 | 20% |
Missouri Car Insurance Rates by Coverage Level
Your coverage level affects your car insurance rate. Raising your liability limits and adding full coverage increase costs, while choosing a higher deductible lowers your premium. Below are average minimum coverage and full coverage rates in Missouri based on different deductibles and liability limits.
| 300/500/300 | Full Coverage | $1,799 | $500 |
| 300/500/300 | Full Coverage | $1,756 | $1,500 |
| 300/500/300 | Full Coverage | $1,722 | $1,000 |
| 100/300/100 | Full Coverage | $1,679 | $0 |
| 100/300/100 | Full Coverage | $1,637 | $1,500 |
| 100/300/100 | Full Coverage | $1,603 | $1,000 |
| State Minimum | Full Coverage | $1,542 | $500 |
| State Minimum | Full Coverage | $1,500 | $1,500 |
| State Minimum | Full Coverage | $1,466 | $1,000 |
| 300/500/300 | Liability Only | $1,168 | $0 |
| 100/300/100 | Liability Only | $945 | $0 |
| State Minimum | Liability Only | $715 | $0 |
Read More: Liability vs. Full Coverage Car Insurance
Average Missouri Car Insurance Cost by City
Car insurance rates in Missouri vary due to crime rates, traffic conditions, weather and repair costs. St. Louis drivers pay about $2,207 annually for full coverage, significantly higher than Columbia's $1,248. Kansas City falls in the middle at $1,625. The table below compares insurance costs in this city to the state averages.
| Columbia | $1,248 | -35% | $554 | -49% |
| Independence | $1,436 | -25% | $664 | -39% |
| Kansas City | $1,625 | -15% | $733 | -33% |
| Springfield | $1,363 | -29% | $652 | -41% |
| St. Louis | $2,207 | 16% | $934 | -15% |
Average Missouri Car Insurance Cost by Age
In Missouri, age affects car insurance costs. Young drivers are seen as riskier, so they often pay more. On average, 25-year-olds pay about 25% more for minimum coverage and 20% more for full coverage than 40-year-olds. Compared to 65-year-olds, they'll pay over 24% and 25% more, respectively.
| 25 | $2,008 | $875 |
| 40 | $1,603 | $715 |
| 65 | $1,516 | $708 |
While age affects car insurance costs in most U.S. states, California, Massachusetts and Hawaii don't allow age as a rating factor.
Car Insurance Costs in Missouri for Young Drivers by Gender
Missouri's young drivers face higher car insurance costs due to increased accident risks. On average, drivers aged 18 to 25 pay $1,794 per year when added to a family policy, 41% less than an individual policy's $2,520.
Gender also influences car insurance rates for Missouri's young motorists. Females aged 18 to 25 pay an average of $2,378 annually, 2% less than the $2,663 males pay. Below are the average premiums for individual and family policies for young drivers in the state, broken down by gender.
Car Insurance Costs in Missouri for Young Females
In Missouri, adding an 18-year-old female to a family car insurance policy averages $1,840. Choosing an individual policy raises her rate by over 50%, costing $3,966.
| 18 | $3,966 | $1,840 | -54% |
| 19 | $3,076 | $2,184 | -29% |
| 20 | $2,670 | $1,893 | -29% |
| 21 | $2,180 | $1,557 | -29% |
| 22 | $1,974 | $1,693 | -14% |
| 23 | $1,849 | $1,583 | -14% |
| 24 | $1,754 | $1,500 | -15% |
| 25 | $1,554 | $1,323 | -15% |
Car Insurance Costs in Missouri for Young Males
An 18-year-old male in Missouri typically pays $4,626 for full coverage on his own policy. However, joining a family policy drops the cost to $2,147, saving 54% annually.
| 18 | $4,626 | $2,147 | -54% |
| 19 | $3,505 | $2,510 | -28% |
| 20 | $3,015 | $2,154 | -29% |
| 21 | $2,455 | $1,768 | -28% |
| 22 | $2,195 | $1,875 | -15% |
| 23 | $2,001 | $1,711 | -15% |
| 24 | $1,880 | $1,597 | -15% |
| 25 | $1,624 | $1,374 | -15% |
Average Missouri Car Insurance Cost by Driving Record
In Missouri, traffic offenses can raise car insurance rates by 4% to 19%. We compare rates for drivers with at-fault accidents, DUIs, and tickets to those with a spotless record.
| At-Fault Accident | $2,274 | 19% | $1,022 | -7% |
| DUI | $2,264 | 19% | $1,042 | -5% |
| Ticket | $1,979 | 4% | $888 | -19% |
Read More: High-Risk Car Insurance in Missouri
Average Missouri Car Insurance Cost by Credit Score
Credit-based insurance scores impact car insurance costs in Missouri. Drivers with excellent credit might pay around $1,370 for full coverage annually, while those with poor credit could see rates as high as $2,622.
| Excellent | $1,370 | -28% | $429 | -61% |
| Good | $1,705 | -11% | $519 | -53% |
| Fair | $2,006 | 5% | $610 | -44% |
| Below Fair | $2,272 | 19% | $689 | -37% |
| Poor | $2,622 | 37% | $787 | -28% |
CREDIT SCORES AND YOUR PREMIUM
A credit score of 670 to 739 shows financial stability, potentially reducing insurance costs for Missouri drivers. However, insurers can't use credit scores for pricing in Hawaii, Massachusetts, Maryland, California and Michigan. Credit scores are considered only under certain conditions in states like North Carolina, Oregon, Washington, Utah and Nevada.
Average Missouri Car Insurance Cost by Company
Car insurance premiums vary widely by company. For full coverage, Travelers offers Missouri's most affordable average annual insurance premium, $951. Kemper's average is the highest at $2,309.
| Travelers | $951 | $452 |
| American Family | $1,003 | $541 |
| Allstate | $1,244 | $744 |
| Shelter | $1,461 | $661 |
| State Farm | $1,482 | $633 |
| Progressive | $1,643 | $489 |
| Nationwide | $1,709 | $874 |
| AAA | $1,974 | $917 |
| GEICO | $2,252 | $1,064 |
| Kemper | $2,309 | $770 |
Average Missouri Car Insurance Cost by Vehicle Age
In Missouri, newer cars usually cost more to insure because they're worth more and cost more to fix or replace if stolen. The average yearly cost of full coverage on a new model is $1,654, while a 10-year-old car averages $1,269.
| 10-Year-Old Vehicle | $1,269 | $564 |
| New Model Vehicle | $1,654 | $519 |
ACTUAL CASH VALUE
The actual cash value (ACV) represents your car's worth as assessed by your insurer right before any damage. When filing a comprehensive or collision claim, the ACV determines the highest possible payout for repairs or replacement, subtracting any deductible. This ensures the claim reflects the vehicle's fair market value.
Read More: Used Car Insurance
Missouri Car Insurance Rates Explained
Missouri's car insurance rates differ from national averages. We explain whether they're more affordable or expensive and how factors like your credit-based insurance score can change the price for full or minimum coverage.
Is Car Insurance Expensive in Missouri?
Car insurance in Missouri is more expensive. The average monthly full coverage cost is $134, about 24% higher than the national average.
Read More: Why Car Insurance Is So Expensive
Car Insurance Costs in Missouri vs. National Average
National Average Cost
Full Coverage Car Insurance
$108
Missouri Average Cost
Full Coverage Car Insurance
$134MO Car Insurance Is Expensive:$26 more
This is 24% more expensive.
Why Are Car Insurance Rates Expensive in Missouri?
Car insurance in Missouri is costly due to urban areas, frequent storms and state laws contributing to higher accident rates. Increased crash frequency and repair costs drive insurers to raise premiums to offset these expenses.
Read More: Car Insurance Rates by State
Estimating Your Car Insurance Costs in Missouri
While average rates reflect how laws and the economy affect car insurance in Missouri, your premium depends on factors specific to you. To estimate your costs, consider the following:
Driving Record
Safe driving habits can lead to fewer accidents and traffic violations, potentially lowering your insurance rates.
Age and Gender
Younger drivers and males often face higher rates. Rates may decrease with age, and safe driving can mitigate gender-based differences.
Credit History
A higher credit score can lower car insurance rates, as insurers view it as an indicator of financial responsibility.
Vehicle Type
Insurance costs vary based on the car's make, model and safety features. Opting for a vehicle with a good safety record may lower premiums.
Location
Living in areas with lower crime rates or less traffic can affect insurance costs. Inform your insurer if you move to a safer neighborhood.
Coverage Level
Adjusting your coverage to fit your needs can save money. Higher deductibles can lower premiums, but ensure you're adequately protected.
Marital Status
Married drivers may receive lower rates due to perceived stability. Inform your insurer if your marital status changes.
State Law
Comply with Missouri's insurance requirements to avoid penalties. Consider additional coverage for better protection and potential long-term savings.
Read More: Missouri Car Insurance Calculator
Minimum Car Insurance in Missouri
Missouri's average minimum car insurance rate is $715, higher than the national average of $595. Below is a table detailing the state's minimum coverage requirements.
Missouri Car Insurance Requirements
Missouri drivers need minimum coverage car insurance, which includes $25,000 for injuries per person, $50,000 for injuries per accident and $25,000 for property damage per accident. The state also requires $25,000 per person and $50,000 per accident for uninsured/underinsured motorist coverage.
Liability Limit | What It Covers |
|---|---|
$25,000 bodily injury liability per person | Medical expenses if you're at fault in an accident |
$50,000 bodily injury liability per accident | Multiple injured parties in a single incident |
$25,000 property damage liability per accident | Damage to another person's property |
$25,000 uninsured motorist bodily injury per person | Medical expenses if an uninsured driver injures you and your passengers |
$50,000 uninsured motorist bodily injury per accident | Multiple injuries caused by an uninsured driver per accident |
How to Lower Car Insurance Costs in Missouri
Save on car insurance by comparing rates, raising your deductible and using eligible discounts.
- 1
Compare Multiple Quotes
Research multiple insurance providers to find affordable car insurance, potentially saving you hundreds of dollars annually.
- 2
Lower Your Risk Profile
Improve your credit score or maintain a driving record free from at-fault accidents and moving violations to lower your premium, as insurers view you as a lower risk.
- 3
Adjust Your Coverage
Reviewing coverage needs ensures you pay only for necessary coverage. Increasing deductibles can lower costs, as can usage-based policies for low-mileage drivers.
- 4
Ask About Discounts
Discounts for safe driving, good grades, anti-theft devices, state-approved defensive driving courses and bundling policies can reduce premiums.
- 5
Consider the Car You Drive
Opting for a vehicle with good safety ratings and less expensive to insure can lower car insurance costs.
Auto Insurance Rates in Missouri: Bottom Line
In Missouri, full coverage car insurance costs an average of $1,603 annually, above the national average. Rates vary based on driving history, vehicle type and location. Overall, Missouri is among the more expensive states for car insurance.
Missouri Car Insurance Rates: FAQ
Get answers about what impacts the average cost of car insurance in Missouri and how to find affordable rates.
What are the minimum car insurance requirements in Missouri?
Missouri's minimum car insurance requirements include bodily injury liability of $25,000 per person and $50,000 per accident, property damage liability of $25,000 per accident and uninsured motorist coverage of $25,000 per person and $50,000 per accident.
What is the average cost of full coverage and minimum coverage auto insurance in Missouri?
The average cost of full coverage auto insurance in Missouri is $1,603, while the minimum coverage averages $715 annually. These rates are above the national averages.
What is the average cost of car insurance for a 25-year-old in Missouri?
The average cost of full coverage car insurance for a 25-year-old in Missouri is $2,008. Minimum coverage costs around $875.
What are the cheapest car insurance companies in Missouri?
Travelers has the most affordable car insurance in Missouri, with full coverage at about $951 annually ($79 monthly) and minimum coverage at around $452 annually ($38 monthly).
Missouri Auto Insurance Cost: How We Determine Average Rates
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates in Missouri:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
We modified this driver profile by age, vehicle, credit score and driving record to determine averages for different driver profiles and needs.
Coverage Levels and Deductibles
Unless otherwise noted, average rates on this page are for a full coverage policy with comprehensive and collision coverage, a $1,000 deductible for each, and the following liability limits (100/300/100):
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in property damage liability per accident
When minimum coverage is specified, we used the following liability limits as mandated by Missouri:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
- $25,000 uninsured motorist bodily injury per person
- $50,000 uninsured motorist bodily injury per accident
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.