Missouri car insurance costs differ between urban areas like St. Louis and rural counties, with personal factors like your record and the number of drivers on your policy also affecting your premium.
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Average Cost of Car Insurance in Missouri for 2026
Updated: April 1, 2026
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How Much Does Car Insurance Cost in Missouri?
Missouri drivers pay $124 per month for full coverage car insurance and $62 per month for minimum coverage. Full coverage costs align with the national average, while minimum liability coverage runs above the national norm.
| Minimum Coverage | $62 | $60 | $740 | $726 |
| Full Coverage | $124 | $124 | $1,486 | $1,493 |
Missouri drivers pay $28 more per year than the national average for full coverage and $52 more for minimum coverage. Missouri ranks 32nd out of all 50 states and Washington, D.C., for full coverage affordability.
Is Car Insurance Expensive in Missouri?
No, car insurance isn't expensive in Missouri, which ranks 32nd out of all 50 states and Washington, D.C., for full coverage affordability. Only 19 states have higher average rates than Missouri.
Missouri's rates are driven by frequent tornadoes and hailstorms that damage vehicles, plus a higher-than-average uninsured driver rate that increases costs for insured motorists. Kansas City, the state's largest metropolitan area, increases rates because of higher theft rates and traffic density (see rates by city).
Vermont offers the cheapest full coverage at $75 per month, while Florida drivers pay the most at $243 per month. Missouri ranks above Mississippi and below Rhode Island in terms of affordability.
| Vermont | $75 | $902 | 1 |
| Mississippi | $123 | $1,472 | 31 |
| Missouri | $124 | $1,486 | 32 |
| Rhode Island | $126 | $1,518 | 33 |
| Florida | $243 | $2,912 | 51 |
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Cheapest Car Insurance Companies in Missouri
Auto Owners offers Missouri's most affordable car insurance at $81 per month for full coverage and $34 for minimum coverage, representing savings of 41% below the state average. Travelers ranks as the second cheapest option, followed by GEICO in third place.
Comparing multiple insurers remains the most reliable method for securing lower premiums in Missouri. Each company applies its own unique formula when calculating rates, which means identical driver profiles can generate vastly different quotes across insurers.
Read more: Cheapest and Best Car Insurance Companies in Missouri
| Auto Owners | $34 | $81 | $414 | $975 |
| Travelers | $40 | $81 | $478 | $978 |
| Geico | $38 | $87 | $454 | $1,048 |
| Farm Bureau | $37 | $101 | $447 | $1,207 |
| Shelter Insurance | $47 | $109 | $570 | $1,312 |
| Progressive | $61 | $103 | $734 | $1,241 |
How Much Is Car Insurance by City in Missouri?
Your location across Missouri impacts what you'll pay for car insurance among the state's largest cities. St. Louis and Kansas City represent the most expensive metros, with full coverage averaging $200 and $151 per month respectively. Columbia and St. Joseph offer the most affordable rates at $120 and $121 per month for full coverage.
| St. Louis | $200 | $99 |
| Kansas City | $151 | $74 |
| Independence | $144 | $70 |
| Blue Springs | $137 | $68 |
| Springfield | $133 | $65 |
| St. Charles | $126 | $60 |
| Lee's Summit | $125 | $60 |
| O'Fallon | $124 | $59 |
| St. Joseph | $121 | $57 |
| Columbia | $120 | $58 |
The difference between the most and least expensive of Missouri's 10 most populous cities reaches $80 per month for full coverage.
How Much Is Car Insurance in Missouri by Age and Gender?
A 16-year-old male driver in Missouri can save $4,267 per year by staying on a family policy instead of getting individual coverage, while female drivers save $3,366 annually with the same approach. Age and gender affect car insurance rates, with males costing $7,666 per year on family policies compared to $6,747 for females. Both amounts represent roughly four to five times the adult rate in Missouri. These elevated costs drop steadily through the early 20s and level off around age 25.
The data reflects average annual premiums when a young driver joins a household policy with two 50-year-old parents. You can toggle between male and female rates to compare costs for your situation. A 16-year-old male on an individual policy pays $11,933 per year, which is $4,267 more than the $7,666 family policy rate for the same coverage.
Data filtered by:
Male
| 16 | $7,666 | $11,933 |
| 17 | $7,062 | $8,906 |
| 18 | $6,557 | $7,601 |
| 19 | $5,929 | $5,993 |
| 20 | $5,490 | $5,103 |
| 21 | $5,019 | $3,949 |
| 22 | $4,764 | $3,608 |
| 23 | $4,564 | $3,257 |
| 24 | $4,414 | $3,015 |
| 25 | $3,771 | $2,509 |
CAR INSURANCE COSTS BY AGE
Use our free calculator to estimate your Missouri car insurance cost based on your driver profile.
How Does Your Driving Record Affect Car Insurance Rates in Missouri?
Full coverage car insurance in Missouri ranges from $132 per month with a clean record to $205 per month after a DUI, a 55% increase that adds $73 per month to premiums. Even a speeding ticket pushes rates up by 23%, making any driving violation costly for Missouri drivers.
| Clean Record | $132 | $1,586 | — |
| Accident (not at fault) | $137 | $1,640 | 4% |
| Texting While Driving | $156 | $1,875 | 18% |
| Speeding | $162 | $1,938 | 23% |
| Accident (at fault) | $190 | $2,280 | 44% |
| DUI | $205 | $2,459 | 55% |
Insurers in Missouri evaluate your driving violations to determine how likely you are to file future claims. Drivers with tickets or accidents on their record pay higher car insurance rates because insurers price that added risk into premiums.
How Does Credit Score Affect Car Insurance Rates in Missouri?
Drivers with bad credit pay more than double for full coverage car insurance in Missouri compared to those with good credit. Bad credit drivers pay monthly premiums of $280 for full coverage, while good credit drivers pay $121 per month. Missouri allows insurers to use credit-based insurance scores when calculating premiums.
| Good Credit | $60 | $121 |
| Bad Credit | $133 | $280 |
| Difference | $73 | $159 |
Low-income Missouri drivers with poor credit can reduce their car insurance premiums by working to improve their credit scores. Missouri allows insurers to use credit-based scoring when setting rates, so a better credit score in Missouri translates to lower insurance costs.
How Much Does Car Insurance Cost in Missouri by Coverage Level?
Upgrading from minimum liability to high-limit full coverage in Missouri adds $71 per month to your premium. State minimum liability costs $67 per month, while a 300/500/300 policy with comprehensive and collision runs $138 per month.
| Minimum Liability Only | $67 | $808 |
| Min. liab. + comp/coll ($1,000 ded.) | $87 | $1,040 |
| Min. liab. + comp/coll ($2,000 ded.) | $109 | $1,305 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $132 | $1,586 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $138 | $1,660 |
| 50/100/50 liability + comp/coll ($500 ded.) | $139 | $1,670 |
| Min. liab. + comp/coll ($250 ded.) | $153 | $1,837 |
| Min. liab. + comp/coll ($0 ded.) | $182 | $2,190 |
READING THIS TABLE AND UNDERSTANDING COVERAGE LIMITS IN MISSOURI
Missouri's minimum liability coverage includes only the state-required limits of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage and 25/50 uninsured/underinsured motorist coverage. This baseline protection covers damage you cause to others but excludes comprehensive and collision insurance for your own vehicle. The table above starts with this minimum coverage and shows how premiums increase as you raise liability limits and add comprehensive and collision protection.
Here's what the 50/100/50 liability + comp/coll ($500 ded.) coverage level includes:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $50,000 in property damage liability per accident
- Comprehensive and collision coverage with a $500 deductible
For more on coverage types and limits, read about the types of car insurance coverages and how much car insurance you need.
How Much Does Car Insurance Cost in Missouri by Vehicle?
A Tesla Model Y costs $323 per month to insure in Missouri, compared to $184 for a Ford F-150 — a 76% difference that shows how vehicle choice affects your premium. Economy cars like the Honda Civic also cost $184 per month for full coverage. These models represent some of the best-selling vehicles nationally. Your rate will depend on your vehicle.
| Honda Civic | $92 | $1,108 | $184 | $2,205 |
| Ford F-150 | $92 | $1,105 | $184 | $2,214 |
| Honda Accord | $96 | $1,147 | $190 | $2,282 |
| Toyota Prius | $102 | $1,222 | $203 | $2,436 |
| Toyota Camry | $103 | $1,237 | $205 | $2,465 |
| Toyota Rav4 | $109 | $1,309 | $217 | $2,604 |
| Tesla Model 3 | $139 | $1,665 | $273 | $3,276 |
| Tesla Model Y | $164 | $1,966 | $323 | $3,879 |
Higher repair costs and expensive battery replacements drive up insurance premiums for electric vehicles compared to traditional gas-powered cars. A Tesla Model Y costs $323 per month for full coverage in Missouri, while a Ford F-150 runs $184 per month, creating a $139 monthly difference. Drivers who want to minimize insurance expenses can choose a Honda Civic or Toyota Camry, which cost roughly $129 less per month than a Model Y for full coverage.
Cost of Car Insurance in Missouri: FAQ
Car insurance rates in Missouri can change based on where you live, with urban drivers often paying much more than rural residents. These are the questions Missouri drivers ask us most about what affects their premiums.
How much is Missouri car insurance per month?
Missouri car insurance averages $62 per month for minimum coverage and $124 for full coverage. Your actual rate depends on your driving record, age, credit score and coverage choices.
Why is Missouri car insurance so expensive?
Missouri drivers pay high uninsured motorist rates at 16.7% compared to the national average of 13%, which pushes up premiums for everyone. Severe hailstorms and tornadoes generate massive comprehensive claims across the state, while rising healthcare costs increase personal injury payouts.
How We Determined Missouri Car Insurance Costs
We used this profile to determine auto insurance costs across all available ZIP codes and cities in Missouri.
- 40 years old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Sections analyzing cost by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage represents a state's minimum liability coverage. Full coverage includes a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.