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Missouri Average Cost of Car Insurance Rates (2022)

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Courtney Roy

By: Courtney Roy

| Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

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How Much Does Car Insurance Cost In Missouri?

On average, car insurance rates for drivers in Missouri are $274 per month, and $3291 per year. The average rates make Missouri the 12th most expensive state in the country for car insurance rates and 19% more expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

0.1%2.3%15.9%50%84.1%97.7%99.9%Average cost: $27450%

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Missouri Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Missouri and has selected the following providers and quotes as the best rates for drivers in Missouri.

Cheapest CompaniesQuotes
Direct Auto$52
Progressive$54
Allstate$61
State Farm$74
GEICO$83

Missouri Car Insurance Rates by City

For drivers in Missouri, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Missouri.

CityAvg. Monthly Rate
Columbia$202
Florissant$351
Independence$229
Joplin$179
Kansas City$266
Lees Summit$241
O Fallon$229
Saint Charles$228
Saint Louis$336
Springfield$195

What Is the Average Cost of Car Insurance in Missouri by Age?

Teenagers who don't want to let their grades slip or sacrifice extracurriculars may have a hard time affording the average price for car insurance for drivers of their age: $523 per month. Mom and dad will probably have to help, and those in their 20s might want a little cash, too, with a rate of $313 a month.

Drivers in their 30s, 40s, and 50s finally see that monthly rate slip below the state average. Those nearing retirement age get the best rates. The price pops back up for those in their 70s and 80s, but they still pay far less than the youngest drivers.

AgeAvg. Monthly Rate
Teens$523
20s$313
30s$232
40s$228
50s$215
60s$193
70s$198
>80s$228

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What Is the Average Cost of Car Insurance in Missouri by Gender?

Men pay six percent more than women in the Show-Me State. Could it be that women are better drivers, or do men drive more expensive, bigger vehicles? It's most likely a little of both.

GenderAvg. Monthly Rate
Male$184
Female$267

Does Marital Status Influence the Average Cost of Car Insurance in Missouri?

With a $48 per month average discrepancy between married and single drivers in Missouri, the latter group could save over $575 a year by walking down the aisle.

Many economists and financial experts argue that married couples have higher net worths and greater financial stability, too. Could it be the marriage moment for drivers in Missouri?

Marital StatusAvg. Monthly Rate
Married$238
Single$286

What Are the Minimum Car Insurance Requirements in Missouri?

Missouri law states you must have liability insurance to cover injuries and property damage caused to others. Those requirements are $25,000 in bodily injury liability per person and $50,000 per accident, $10,000 in property damage liability per accident; $25,000 in uninsured/underinsured motorist bodily per person, and $50,000 in underinsured motorist bodily per accident. To protect your car itself, buy comprehensive and collision coverage.

missouri

How Does Credit History Affect Missouri Car Insurance Rates?

Like all but a handful of states, Missouri lets insurance companies factor in credit scores when setting their rates.

Why do drivers with poor credit pay less in Missouri than those with average and good credit? People with poor credit often purchase insurance plans with less coverage for less expensive vehicles. If you have good credit, push your score above 800 to cut your average monthly payment by $23 a month, which would result in over $240 a year in savings.

Credit HistoryAvg. Monthly Rate
Poor$264
Average$268
Good$277
Excellent$254

What Is the Average Cost of Car Insurance in Missouri for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Missouri will pay $41 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $90. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Driving HistoryAvg. Monthly Rate
No Violation$252
At-Fault Accident$342
Speeding$293

Tips for Researching Missouri Car Insurance Rates

The Show-Me State's prices and premiums vary based on location, company, and vehicle. The state Division of Budget and Planning projects Missouri's population will grow. Does more people mean rates will be more expensive?
While you're hoping for the best, why not try Insurify ’s comparison tool? You can generate 10+ real quotes and unlock savings and discounts. In less than two minutes, find the coverage you deserve at a price you can afford.

Top Auto Insurance Companies

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies

FAQs - Missouri Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Missouri. Insurify analyzed the latest data for the five most populous cities in Missouri to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Missouri and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology copywriter. He creates content that makes an actionable difference in the life of his readers. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering. He and his wife chase their five kids in the Phoenix, Arizona sun. You can learn more at thecopyprophet.com.

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