How Much Is Car Insurance in Missouri? (2026)
Drivers in Missouri pay an average of $1,634 per year for car insurance.
Secure. Free. Easy-to-use.
4.7 / 517K reviews
)
Written byKat Tretina
)
Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
)
Edited byMacKenzie Korris
)
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
Reviewed byDavid Marlett
)
David MarlettAdvisor
25 years teaching risk management and insurance course
Former commercial lines underwriter
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Quick Facts
On average, Missouri drivers pay $136 per month for car insurance.
USAA has the lowest average liability-only rate in Missouri, at $46 per month.
Over the past five years, Missouri car insurance rates have increased considerably.
How much is car insurance in Missouri?
Missouri drivers pay an overall average of $136 per month for car insurance. This is slightly less than the national average of $143 per month.
Your actual premium depends on factors such as your vehicle type, coverage choices, ZIP code, driving record, and age.
Car insurance in Missouri is more expensive than in neighboring Kansas and Nebraska. This may be due in part to Missouri’s higher population density and high vehicle theft rate.
The following table shows average monthly and annual car insurance quotes in Missouri for both state-minimum coverage and full coverage.
Coverage Type | Average Monthly Quote | Average Annual Quote |
|---|---|---|
| State-minimum coverage | $92 | $1,106 |
| Full coverage | $180 | $2,162 |
Disclaimer: Table data is based on real-time Missouri quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Minimum car insurance requirements in Missouri
Like nearly every other state, Missouri requires drivers to maintain liability coverage to help pay for damages and injuries caused to others.
Drivers in Missouri must have coverage that meets the state’s minimum requirements of 25/50/25. The state also requires drivers to carry at least 25/50 in uninsured motorist protection.[1]
While these limits are the minimum the state requires, most drivers benefit from buying higher coverage limits for better protection.
Coverage Type | Missouri Minimum Requirement |
|---|---|
| Bodily injury liability per person | $25,000 |
| Bodily injury liability per accident | $50,000 |
| Property damage liability | $25,000 |
| Uninsured motorist | $25,000 per person and $50,000 per accident in bodily injury |
Find Car Insurance in Missouri
Insurify partners with 120+ top insurers for real-time quotes
Excellent
4.7 out of 5 based on 17,006 reviews
Secure. Free. Easy-to-use.
Cheapest car insurance companies in Missouri
In 2024, Missouri recorded more than 136,000 collisions, according to the Missouri Department of Transportation.[2] Liability insurance offers financial protection if you cause an accident that injures another driver or damages their property.
In Missouri, the insurer with the cheapest liability rates is USAA, with an average monthly premium of $46.
The table below shows the companies with the cheapest rates for liability-only coverage in Missouri.
The below rates in Missouri are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $46 |
| State Farm | $55 |
| Progressive | $60 |
| Safeco | $71 |
| National General | $74 |
| Clearcover | $75 |
| Allstate | $80 |
| GEICO | $80 |
| Direct Auto | $82 |
| Root | $82 |
| The General | $89 |
| Bristol West | $90 |
| American Family | $93 |
| Dairyland | $96 |
| GAINSCO | $98 |
| Liberty Mutual | $105 |
| Shelter | $122 |
| Insurify Car | $127 |
| Auto-Owners | $134 |
| Travelers | $136 |
| AssuranceAmerica | $142 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
Average Missouri car insurance rates by city
St. Louis is among the most expensive cities in Missouri for car insurance. Drivers here pay an average of $199 per month for coverage.
Rates in the city are high for a couple of reasons: St. Louis County ranked No. 25 nationwide for vehicle theft by volume, according to Insurify data, and the city’s population density is much higher than the state average.
By contrast, drivers in Joplin typically pay much lower rates, averaging $114 per month. Joplin has a much lower population density than St. Louis, and drivers here have shorter commute times than the state average.
The table below shows average monthly liability-only and full-coverage quotes for various cities in Missouri.
The below rates in Missouri are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
City | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Jefferson City | $77 | $167 |
| Joplin | $77 | $150 |
| Columbia | $79 | $162 |
| Saint Joseph | $80 | $167 |
| Springfield | $82 | $164 |
| Cape Girardeau | $84 | $181 |
| Branson | $85 | $164 |
| Saint Charles | $88 | $163 |
| Ballwin | $96 | $192 |
| Independence | $104 | $186 |
| Kansas City | $113 | $206 |
| Saint Louis | $139 | $259 |
Disclaimer: Table data sourced from real-time Missouri car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Missouri may vary based on the policy buyer's unique driver profile.
Average Missouri car insurance rates by age
Among other factors, your age affects how much you pay for insurance in Missouri. Because young drivers have a higher risk of collisions, they pay higher premiums.
Car crashes are the No. 1 cause of death for Missouri teens, according to the Missouri Coalition for Roadway Safety.[3] The average liability-only rate for teen drivers in Missouri is $157 per month.
Drivers 65 years and older make up about 21% of licensed drivers in Missouri, according to the Missouri Department of Transportation.[4] Senior drivers typically pay some of the lowest insurance rates.
Missouri residents aged 55 and older can save money by taking an accident prevention course.
The following table shows the average monthly rates for liability-only and full-coverage policies in Missouri by age.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Teens | $157 | $307 |
| Adults (40s) | $95 | $185 |
| Seniors | $77 | $152 |
Disclaimer: Table data is based on real-time Missouri quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
How your driving record affects car insurance rates in Missouri
Missouri insurers consider your driving history when determining your rates. An at-fault accident or driving while intoxicated (DWI) conviction can cause your premiums to increase by as much as 29%.
In Missouri, 4.5% of drivers have an at-fault accident on their record, 3.7% have a ticket, and 0.7% have a DWI, according to Insurify data.
If you don’t qualify for coverage through a standard insurer because of your driving record, you may be eligible for insurance through the Missouri Automobile Insurance Plan. This program helps high-risk drivers secure state-required coverage.
The table below shows average monthly quotes in Missouri by driving record.
Driving Record | Average Monthly Quote in MO | % Increase Compared to Clean Driving Record |
|---|---|---|
| Clean driving record | $136 | N/A |
| With speeding ticket | $168 | 24% |
| With accident | $176 | 29% |
| With DWI | $175 | 29% |
Disclaimer: Table data is based on real-time Missouri quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
What affects car insurance rates in Missouri?
The average cost of car insurance in Missouri is lower than the national average. This is due in part to Missouri’s lower-than-average cost of living.
But premiums have increased rapidly over the past few years. The following factors affect rates in Missouri:
Credit-based insurance score: Insurers can use drivers’ credit-based insurance scores in the underwriting process in Missouri. This means maintaining a good credit score can help you save money, while a poor credit score can cost you.
Severe weather: The state is prone to flooding and tornadoes, both of which can cause significant vehicle damage.
Vehicle theft: Missouri ranked No. 5 nationwide in the first half of 2025 for vehicle theft by volume, according to Insurify data.
Population density: Missouri’s population density is slightly below the national average. Fewer people mean fewer vehicles on the road, reducing the risk of accidents.
Shop for Car insurance in Missouri
Check quotes from 120+ top insurance companies
Excellent
4.7 out of 5 based on 17,006 reviews
Secure. Free. Easy-to-use.
How Missouri car insurance rates have changed over the past five years
Over the past five years, car insurance rates in Missouri have increased steadily. In 2021, the average yearly cost of a full-coverage policy was $1,419. As of 2026, the average annual rate had climbed to $2,162.
The steep increase has several causes, including a rise in litigation. This has led insurers to raise rates to help offset the added costs.
See More
To find car insurance rates in Missouri and the U.S. over the last five years, download our data here.
How to lower car insurance costs in Missouri
To save money on car insurance in Missouri, follow these tips:
Complete a driving course. If you’re 55 or older, you can take an approved accident prevention course and qualify for a discount on your policy for three years.
Sign up for telematics coverage. Missouri drivers spend an average of 23.5 minutes commuting to work, about 11% less than the national average. If you spend less time on the road, you may benefit from signing up for telematics or a usage-based insurance (UBI) policy. These policies base your premiums on your vehicle usage and driving habits, potentially saving you money.
Ask about multi-vehicle and multi-policy discounts. Nearly 10% of Missouri drivers own multiple vehicles, according to Insurify data, and about 68% of Missouri residents own a home. If you purchase coverage for two or more vehicles or bundle your car and homeowners insurance, you may qualify for a multi-vehicle or multi-policy discount.
Request quotes. Get quotes from several insurance companies, including smaller regional insurers and larger companies. Shopping around helps you find the best rates based on your desired coverage limits and deductibles.
Drop your collision and comprehensive coverage. If you can afford to replace your car out of pocket, consider a liability-only policy to save money.
Missouri average car insurance cost FAQs
As you shop for car insurance in Missouri, the following information can help you find the best coverage at an affordable price.
Why is Missouri car insurance so high?
While Missouri car insurance rates are lower than the national average, prices have steadily increased over the past five years. Rising prices are due to increased litigation, a high percentage of uninsured drivers in the state, and a high vehicle theft rate.
Is $300 per month too much for car insurance in Missouri?
It depends. If you have multiple infractions on your driving record or drive an expensive new car, $300 per month might not be an unreasonable rate. The average cost of a full-coverage policy in Missouri is $180 per month. The best way to avoid overpaying for insurance is to request quotes from several companies.
What insurer has the cheapest auto insurance in Missouri?
If you’re looking for the cheapest coverage, USAA has the lowest average rates. Policyholders pay an average of $46 per month for liability coverage.
What is the cheapest full-coverage car insurance in Missouri?
In Missouri, Progressive has the cheapest full-coverage insurance, with premiums averaging $84 per month.
Sources
- Missouri Department of Revenue. "Insurance Information."
- Missouri Department of Transportation. "Crash Responders Urge Motorists to Slow Down, Move Over: "It's the Law"."
- Save MO Lives. "Teen Drivers."
- Missouri Department of Transportation. "Older Drivers."
Methodology
Insurify data scientists analyzed more than 250 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.
Related articles
)
Best Car Insurance in Missouri
State Farm, American Family, and USAA are among the best car insurance companies in Missouri based on their premiums, customer satisfaction, and more.
)
Car Insurance Discounts in Missouri
Some popular car insurance discounts in Missouri include multi-policy, multi-vehicle, and safe driver discounts.
Very Cheap Car Insurance With No Deposit in Missouri
No-deposit car insurance doesn’t exist in Missouri, but you can find the cheapest option possible. Compare quotes from top insurers starting at $46 per month for liability insurance.
)
SR-22 Insurance in Missouri: Cost, Requirements, and Cheapest Companies
The average cost of SR-22 coverage in Missouri is $109 per month for a liability-only policy and $213 for full coverage.
Car Insurance Requirements in Missouri
Missouri requires residents to maintain liability and uninsured motorist coverage to drive legally in the state.
Car Insurance Grace Period in Missouri: Are You Covered After Buying a Car?
Drivers in Missouri typically have a 30-day car insurance grace period after buying a car.
)
Cheap Full-Coverage Car Insurance in Missouri
Missouri drivers can find the cheapest full-coverage car insurance from Progressive, with an average rate of $84 per month.
Cheap Car Insurance for Low-Income Drivers in Missouri
USAA has the cheapest liability car insurance in Missouri, with an average rate of $46 per month.
)
Temporary Car Insurance in Missouri: What Your Short-Term Options Really Are
True temporary car insurance doesn’t exist, but you can still find short-term coverage. Insurify Car allows you to pay weekly and decide when to cancel.
Missouri Car Insurance Laws
Missouri law requires drivers to carry bodily injury and property damage liability coverage, along with uninsured motorist bodily injury coverage.
Cheapest Car Insurance Quotes in Missouri
USAA is Missouri’s cheapest car insurance company. Get instant quotes for Missouri car insurance and buy your policy online in minutes with help from our licensed agents.
)
Cheapest Auto Insurance in Columbia, Missouri
USAA offers the cheapest car insurance in Columbia, with minimum-coverage policies as low as $41 per month.
)
Cheapest Auto Insurance in Independence, Missouri
State Farm offers the cheapest car insurance in Independence, with minimum-coverage policies as low as $59 per month.
)
Cheapest Auto Insurance in Jefferson City, Missouri
USAA offers the cheapest car insurance in Jefferson City, with minimum-coverage policies as low as $41 per month.
)
Cheapest Auto Insurance in Joplin, Missouri
USAA offers the cheapest car insurance in Joplin, with minimum-coverage policies as low as $39 per month.
Cheapest Car Insurance Quotes in Kansas City, Missouri (September 2026)
USAA has the most affordable liability car insurance in Kansas City, averaging $54 per month. Kansas City ranks among the top 20 regions nationwide for auto theft, which affects car insurance rates.
Cheapest Car Insurance Quotes in St. Louis (September 2026)
USAA offers the cheapest car insurance in St. Louis, with an average liability rate of $67 per month. The St. Louis area is vulnerable to tornadoes, flooding, and earthquakes, which may affect car insurance costs.
Cheapest Car Insurance Quotes in Springfield, Missouri (September 2026)
The cheapest car insurer in Springfield is USAA, with liability premiums averaging $42 per month. Shorter commute times and low tourism traffic may help explain why rates are lower than the Missouri state averages.
)
Kat TretinaInsurance and Personal Finance Writer
9+ years in personal finance writing
Certified Financial Counselor
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
David MarlettAdvisor
25 years teaching risk management and insurance course
Former commercial lines underwriter