Cheapest Liability Car Insurance in Missouri (2026)

What is liability car insurance?

Liability car insurance helps pay for damage and injuries you cause to others in an accident. Missouri requires all drivers to have a minimum amount of insurance to help you cover the cost of repairs and medical bills for the other driver if you cause an accident.

Unlike a full-coverage policy, liability coverage helps you pay only for injuries and property damage you cause to someone else. It won’t cover your injuries or damage to your own vehicle after an accident.

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Cheapest liability car insurance in Missouri

The average cost of car insurance in Missouri is $136 per month. Liability-only coverage in Missouri costs an average of $92 per month, while full coverage averages $180. But your costs may vary based on factors such as your driving history, age, credit, ZIP code, and the insurance company you choose.

The table below shows insurers that consistently offer low car insurance rates for Missouri drivers.

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.

Minimum liability car insurance requirements in Missouri

The state of Missouri requires drivers to have at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage. Missouri drivers also need uninsured motorist coverage matching their bodily injury liability limit.^[1]

The table below shows Missouri’s car insurance requirements.

Coverage	Minimum Requirement in Missouri
Bodily injury liability	$25,000 per person/$50,000 per accident
Property damage liability	$25,000
Uninsured/underinsured motorist coverage	$25,000 per person/$50,000 per accident

After an accident, liability-only insurance can help you cover another driver’s repairs and medical bills. But it won’t help you pay for repairs to your own vehicle.

If you want help paying for your injuries and damages, a full-coverage policy might be a better fit.

Is minimum liability coverage enough in Missouri?

To legally drive on Missouri roadways, you need minimum liability coverage. But for many drivers, minimum coverage doesn’t offer enough protection for their wallets.

Full-coverage policies include liability, comprehensive, and collision coverage. Comprehensive coverage helps pay to repair or replace your vehicle after an accident. Collision coverage helps pay for repairs from things like severe weather damage, vandalism, and theft.

Here’s when it might make sense to purchase a full-coverage policy:

• You have a limited financial safety net. While full coverage can cost more up front, comprehensive insurance can help pay for repairs to your car after an accident. Without liability-only coverage, you’d have to pay for repairs out of pocket. Full coverage can be helpful if you’d have trouble paying for your own repairs after an accident.

• You lease or finance your vehicle. Many lenders require you to have full coverage to protect their investment. You typically need to have full coverage for the length of your loan or lease term.

Penalties for driving without liability insurance in Missouri

It’s illegal to drive without auto insurance in Missouri.^[2] If law enforcement catches you driving without coverage or you can’t provide proof of insurance, penalties include:

• Traffic citation

• Up to four points added to your driving record

• License suspension

• Reinstatement fee of $20 to $400 

You should keep proof of insurance in your vehicle at all times. Missouri also allows you to use a digital insurance card as proof.^[3]

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How to find cheap liability car insurance in Missouri

Here are some tips to help you find cheap liability car insurance in Missouri:

• Compare rates. The best way to lower your car insurance costs in Missouri is to compare rates from multiple insurers every six months. That way, you know if you have the lowest price for your coverage.

• Increase your deductible. Increasing your deductible typically lowers your premiums. But make sure you can afford the extra out-of-pocket costs if you’re in an accident.

• Bundle your policies. Many insurers offer discounts for bundling your auto insurance with homeowners or renters insurance.

• Stick to safe driving habits. Drivers with incidents on their driving record, like a speeding ticket or driving while intoxicated (DWI) conviction, tend to pay more for coverage. Drivers with clean records typically pay lower rates.

• Look for car insurance discounts. Most insurance companies offer a range of discounts for Missouri drivers. For example, you might qualify for a safe driver, good student, or multi-vehicle discount.^[4]

Liability car insurance in Missouri FAQs