Average Car Insurance Cost in Missouri (2025)
Drivers in Missouri pay an average of $142 per month for car insurance.
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Written byJanet Berry-Johnson
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8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Edited byMatthew Gross
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Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Table of contents
Missouri drivers pay an average of $188 per month for full-coverage auto insurance and $96 per month for liability-only coverage. Missouri’s auto insurance rates are typically slightly cheaper than the U.S. national average.
Several factors affect car insurance rates in Missouri, including weather, crime rates, and driving conditions. Full-coverage insurance rates have risen over the past few years but are still lower than the national average.
Quick Facts
Drivers in rural areas of Missouri generally pay lower car insurance premiums than drivers in urban areas like St. Louis and Kansas City.
Missouri allows insurance companies to review your credit history when setting your car insurance rates.
Missouri drivers pay an average of $2,251 per year for full-coverage car insurance.
How much is car insurance in Missouri?
On average, car insurance in Missouri costs $188 per month for full coverage and $96 per month for liability-only coverage. That’s compared to the national average of $193 for full coverage and $107 for liability-only coverage.
Your premiums may vary based on factors like your driving history, age, ZIP code, and vehicle.
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How Missouri car insurance rates have changed over the past two years
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To find car insurance rates in Missouri and the U.S. over the last two years, download our data here.
The average annual premium for full-coverage car insurance in Missouri rose to $2,300 in 2024, up significantly from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Missouri.
See below how Missouri car insurance prices have changed over the past two years.
Average Missouri Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Missouri car insurance rates by city
Even within Missouri, where you live can have a big effect on how much you pay for car insurance. Rates vary from city to city because of differences like traffic density and crime rates.
Residents of urban areas, like St. Louis and Kansas City, tend to pay higher premiums because of increased accident risks, vehicle theft rates, and repair costs. On the other hand, drivers in smaller cities, like Cape Girardeau and Joplin, typically pay lower rates due to fewer accidents and lower claims frequency.
The below rates are estimated rates current as of: Thursday, July 3 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Joplin | $83 | $157 |
| Jefferson City | $83 | $152 |
| Columbia | $94 | $174 |
| Cape Girardeau | $96 | $163 |
| Springfield | $105 | $168 |
| Independence | $111 | $194 |
| Kansas City | $126 | $216 |
| Saint Louis | $156 | $274 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Car Insurance Requirements in Missouri (2025)
Average Missouri car insurance rates by age and gender
Age and gender can affect your car insurance rates. Younger drivers — especially teens — pay the highest premiums due to their lack of experience and high accident rates. As drivers age and gain experience behind the wheel, their rates typically decrease.
Gender also plays a role. Male drivers — particularly young men — typically pay higher rates because they’re statistically more likely to be involved in accidents. But gender differences in pricing tend to narrow as drivers reach middle age.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $211 | $425 |
| 18 | $183 | $370 |
| 20 | $130 | $263 |
| 25 | $113 | $229 |
| 30 | $96 | $195 |
| 40 | $84 | $171 |
| 50 | $74 | $149 |
| 60 | $71 | $143 |
| 70+ | $72 | $146 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $224 | $451 |
| 18 | $195 | $392 |
| 20 | $138 | $279 |
| 25 | $120 | $243 |
| 30 | $102 | $207 |
| 40 | $90 | $181 |
| 50 | $78 | $159 |
| 60 | $75 | $151 |
| 70+ | $76 | $155 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Missouri
Missouri’s most popular vehicles are pickup trucks and SUVs, reflecting the state’s rural and urban driving mix.[1] Pickup trucks dominate due to their versatility, durability, and suitability for farming, construction, and outdoor activities — all common in Missouri.
The table below shows the average monthly quotes for these vehicles, according to Insurify data.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $190 |
| Chevrolet Silverado | $202 |
| GMC Sierra | $204 |
| Ram 1500/2500/3500 | $226 |
| Toyota RAV4 | $186 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How your driving record affects car insurance rates in Missouri
Your driving record is one of the most important factors affecting your car insurance rates. Drivers with clean records tend to pay the lowest rates, while accidents, speeding tickets, and DUIs can increase car insurance rates. Insurance companies view these risky behaviors as indicators of future claims.
Below is a table showing average rates for drivers with incidents on their record. Serious issues — like a DUI — can increase rates significantly, while a speeding ticket may result in a more moderate increase.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $222 | 51% |
| With speeding ticket | $210 | 43% |
| With DUI | $252 | 71% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Your credit history is another factor in how much you pay for car insurance in Missouri. Insurance companies use credit-based insurance scores to assess risk — studies have shown that drivers with poor credit tend to file more claims.[2]
Missouri allows insurance companies to use credit history to set insurance rates, so drivers with poor credit often pay higher premiums than drivers with good or excellent credit. Improving your credit can help you save money on your car insurance.
The table below shows the average rate for full-coverage car insurance and liability-only coverage for Missouri drivers by credit tier.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $88 $177 Good $92 $186 Fair $93 $187 Poor $109 $220 Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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How to lower your insurance costs in Missouri
Car insurance can be expensive, but you have several ways to reduce how much you pay. Here are some strategies to help you find cheap car insurance in Missouri:
Shop around
Insurance rates vary from company to company. Comparing quotes from multiple insurers can help you find affordable car insurance.
Raise your deductible
Your deductible is the amount you pay out of pocket for a claim before your insurance kicks in. Increasing your deductible from $200 to $1,000 can lower your comprehensive and collision premiums by 40% or more, according to the Insurance Information Institute (III). But you’ll pay more out of pocket if you file a claim.
Take advantage of discounts
Many insurance companies offer discounts for safe driving, bundling car insurance with home or renters insurance, paying in full, installing a telematics device, or maintaining good grades.
Improve your credit
Since Missouri allows credit-based insurance pricing, boosting your credit can help you qualify for cheaper car insurance.
Drive safely
Avoid speeding tickets, accidents, and DUIs, as they will increase your rates.
Choose your vehicle wisely
Cars with higher safety ratings, lower theft rates, and lower repair costs are more likely to qualify for cheap car insurance.
Limit unnecessary coverage
If you drive an older car with a low market value, consider dropping comprehensive and collision coverage to reduce costs. Liability coverage is less expensive than full-coverage car insurance, but you might not have enough coverage if you’re in an accident.
Missouri average car insurance cost FAQs
Below, we’ve answered some common questions from Missouri drivers. Check them out to help you find the best car insurance in Missouri.
The average annual rate for car insurance in Missouri is $2,251 for full coverage and $1,151 for liability-only coverage. Missouri’s auto insurance rates are usually slightly below the U.S. national average.
USAA, State Farm, and Progressive are some of Missouri’s cheapest car insurance companies. But the most affordable insurer for you depends on factors like your driving record, age, ZIP code, and vehicle type. Shopping around and comparing quotes can help you find the cheapest coverage.
In Missouri, drivers pay an average of $188 monthly for full-coverage car insurance and $96 for liability-only insurance.
State Farm, Allstate, GEICO, and American Family Insurance are a few of Missouri’s best auto insurance companies. They offer affordable rates, good customer service, financial stability, and reliable claims handling.
Missouri law requires all registered vehicles to have the following minimum coverage limits:[3]
$25,000 per person in bodily injury liability
$50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
$25,000 per person and $50,000 per accident in uninsured motorist bodily injury
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Edmunds. "Most Popular Cars in America."
- Claims Journal. "Behavioral Validation of Auto Insurance Rating Variables."
- Missouri Department of Revenue. "Insurance Information."
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Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Janet has been a contributor at Insurify since October 2022.
Matthew GrossEditor
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.