How Much Is Car Insurance in Missouri? (November 2024)

Missouri drivers expect to pay around $1,603 per year for full car insurance coverage. For a cheaper option, minimum coverage averages $715 annually. Car insurance premiums depend on age, location, coverage level, driving history and credit score.

Missouri's average annual full coverage car insurance cost is $1,603. To find the best deal, you can compare car insurance quotes.

Here's a quick look at Missouri's average auto insurance rates. Coverage options range from minimum to full coverage, giving you a clear picture of what you might pay monthly or yearly.

Car insurance prices in Missouri are relatively moderate. The average annual premium for minimum liability-only coverage is $715 ($60 per month), above the national average of $628 per year ($52 per month). Full coverage with a $1,000 deductible costs an average of $1,603 annually ($132 per month), about $245 more than the national average of $1,358 annually ($113 per month).

Several factors influence car insurance costs in Missouri, including rural roads with lower traffic and accident rates, the number of uninsured drivers, average repair costs and the risk of natural disasters like tornadoes and hail storms. Urban areas with higher traffic congestion and theft rates tend to have higher premiums. Insurers also consider factors like driving record, car make and model, and credit score.

Car insurance premiums vary by company, even within the same state. In Missouri, Travelers offers the cheapest full coverage at an average annual premium of $951, while Kemper has the priciest option at $2,309.

Comparing car insurance quotes is key to finding the cheapest car insurance in Missouri, saving you hundreds of dollars annually.

Car insurance costs in Missouri vary by coverage level. Minimum coverage averages $60 monthly, while full coverage costs $134. Despite the higher price, full coverage insurance is recommended for its protection against a wide range of incidents, such as accidents and theft.

Adding comprehensive and collision coverages increases premiums, but higher deductibles can help reduce these costs. A deductible applies separately to each type of coverage, giving you more control over your expenses. Choosing a $1,000 deductible with full coverage offers a good balance between cost and protection.

In Missouri, the minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage per accident, along with uninsured/underinsured motorist coverage at the same limits.

Your location can influence your car insurance premiums. Columbia's lowest full coverage rate is around $1,248 annually; it's about $2,207 in St. Louis.

Driving history, vehicle type, credit score, age, gender and coverage level affect car insurance costs in Missouri. The area's crime rates and traffic conditions also impact premiums.

In Missouri, age plays a significant role in car insurance costs. Drivers aged 22 to 29 face the highest premiums, averaging $2,008 annually. Rates decrease for those aged 30 to 59, with an average annual cost of $1,603, and drop further for drivers aged 60 and over, who pay around $1,516. This trend reflects insurers' assessments of risk based on age-related driving experience and accident statistics.

Age and gender impact car insurance rates in Missouri, with 16-year-old male drivers having the highest premiums at roughly $3,696 per year when added to a family policy. If they choose an individual policy, the premium rises to about $7,842 annually. Teenagers under 18 need a parent or guardian to co-sign for car insurance.

The average annual cost of full coverage car insurance for a 2012 vehicle is $1,269, while insuring a 2022 model of the same vehicle is higher at around $1,654. This difference is due to the newer model's higher actual cash value, more expensive repair costs and increased theft risk. Owners of newer models should invest in comprehensive and collision coverages to protect against a wide range of incidents.

In Missouri, your driving record significantly impacts your car insurance rates. Here’s an overview of average premiums based on different driving records:

• With a ticket: $1,979 per year; $165 per month
• With a DWI: $2,264 per year; $189 per month
• With an at-fault accident: $2,274 per year; $189 per month

The type of driving violation affects your premium, with more severe offenses usually leading to higher costs. These violations stay on your record for a while, continuing to influence your rates until they drop off. For example, in Missouri, a DWI can impact your insurance rates for up to five years.

Check the table, which you can filter by coverage and age group, to find Missouri's average car insurance costs based on various driving records.

Your credit score determines your car insurance rates. Drivers with excellent credit (670 to 739) typically pay lower premiums, an average of $1,096 annually, while those with poor credit may face significantly higher rates, an average of $2,084 per year. Insurers view credit scores as an indicator of financial responsibility, impacting the overall cost of coverage.

Several key factors influence car insurance rates in Missouri, and understanding them can help you find an affordable plan tailored to your needs. Here’s a breakdown of the main contributors to your premiums:

• Age and driving experience: Younger drivers often face higher rates due to their lack of experience, which can lead to more accidents and claims.
• Driving record: A clean driving record can lower insurance costs, while tickets and other infractions increase costs.
• Credit score: Insurers consider credit history as an indicator of risk, with a higher score often translating to lower insurance rates.
• Vehicle type: Your vehicle's make, model and age affect your rates, with newer, expensive cars generally costing more to insure.
• Location: Insurance costs may be higher in urban areas with higher traffic density and theft rates than in rural locations.
• Coverage level: Choosing between state minimum coverage and more comprehensive options impacts cost. Higher coverage levels mean higher premiums.
• Collision insurance: Adding collision insurance to your policy covers your vehicle for damage from an accident, affecting your rate based on your deductible and coverage limit.
• Comprehensive insurance: Opting for comprehensive insurance protects against non-collision events, which can alter your premium based on the value of your car and risk factors.
• Annual mileage: The more you drive, the more likely an incident is, leading to increased insurance premiums.
• Marital status: Married couples often receive lower rates due to perceived stability and shared driving, reducing individual risk exposure.

To find affordable car insurance in Missouri, compare rates, raise your deductible and use all applicable discounts.

We answer common questions about the average cost of car insurance in Missouri, offering insights into factors that influence premiums and how to reduce your premium.