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Average Car Insurance Cost in Missouri (2024)

Drivers in Missouri pay $169 per month, on average, for car insurance.

Katie Powers
Editado porKatie Powers
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Katie PowersEscritora de seguros

Katie Powers es una escritora de contenido de seguros para Insurify. Desde que completó su título universitario de escritura, literatura, y publicación, está acabando un título de maestría de publicación en Emersion College. En su tiempo libre, a ella le gusta leer y salir para largas caminatas.

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Actualizado el 6 de mayo de 2024

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Las tarifas más baratas encontradas recientemente en Missouri

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $35/mes para solo responsabilidad y $56/mes para cobertura total en Missouri.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

Missouri drivers pay average car insurance rates that are comparable to the national average of $159 per month. The cost of auto coverage will vary by city and ZIP code. Factors like your age, ZIP code, gender, and driving record will also affect how much you pay for insurance coverage in the Show-Me State.[1]

You can expect to pay more for coverage if you live in a larger city in Missouri, like St. Louis or Kansas City. Drivers in more rural parts of the state pay less because areas with lower population density typically have less traffic congestion and cars on the road.

Here’s what you need to know about comparing quotes and finding auto insurance in Missouri.

Datos Breves

  • Distracted or inattentive driving contributed to more than 15,000 vehicle crashes in the state of Missouri in 2023.[2]

  • Drivers in St. Louis pay the highest car insurance rates in Missouri, with an average monthly cost of $242.

  • Because Missouri is an at-fault state, the insurance of the driver responsible for a car accident must cover the other party’s resulting injuries and damages.

What’s the average cost of car insurance in Missouri?

Missouri drivers pay an average of $96 per month for liability insurance and $241 for full coverage.

Liability coverage, the minimum amount of insurance you need in Missouri, pays for the other driver’s medical bills and vehicle repair costs if you have an at-fault accident. Full-coverage insurance includes liability, collision, and comprehensive coverage, which extends protection to your own vehicle.[3]

The following insurance companies offer the cheapest car insurance in Missouri. Here are the average rates for the best car insurance companies in the state.

The below rates are estimated rates current as of: viernes, 3 de mayo, 0:00 p. m. GMT-7. 
Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full Coverage
USAA2956
State Farm3567
Allstate4790
GEICO5199
American Family59113
Safeco60116
Clearcover68136
Progressive71137
Shelter78149
Nationwide82150
Auto-Owners85164
Travelers86150
State Auto88194
Midvale Home & Auto89169
Liberty Mutual92208
Direct Auto95220
GAINSCO101240
AssuranceAmerica109223
The General110271
Dairyland113347
Bristol West135379
Foremost153330
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Find Cheap Car Insurance in Missouri

Liability insurance in Missouri starts at $29 per month

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Average Missouri car insurance rates by city

Your ZIP code affects how much you pay for car insurance, which is one of the reasons that car insurance rates vary within the same state. Drivers in Jefferson City pay the lowest rates for insurance policies in Missouri. St. Louis residents pay nearly twice as much for coverage — making it the most expensive city in the state for car insurance.

Here’s how much you can expect to pay for car insurance in some Missouri cities.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Jefferson City$77$190
Columbia$85$202
Joplin$176$81
Springfield$96$203
St. Louis$160$325
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Average Missouri car insurance rates by age

Your age influences how much you pay for car insurance.

Young drivers, especially teen drivers, can expect higher rates due to inexperience and a higher risk of accidents. Once you’re in your 30s, costs decrease as you age, culminating in the lowest pricing around retirement age. However, rates start to slightly increase for senior drivers 70 and older due to aging-related risk factors.

Here’s how much you can expect to pay for car insurance in Missouri based on your age.

Rates by Age

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How gender affects car insurance rates in Missouri

Your gender can also affect how much you pay for car insurance. Women typically pay less for insurance. Statistically, women have fewer severe accidents and high-risk violations, which can reduce the cost of insurance.

Age also affects the insurance cost differences between male and female drivers. For example, teenage boys have much higher rates than teenage girls, but this cost difference decreases with age.

Here’s how much you can expect to pay for car insurance in Missouri based on your age and gender.

AgeMaleFemale
16$464$395
35$212$199
50$160$157
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

How your driving record affects car insurance rates in Missouri

Your driving record also influences your car insurance rates. Drivers with a clean record can secure the most competitive rates. Insurance companies review your record to predict risk. In Missouri, tickets stay on your record for up to three years.[4]

High-risk violations like a car accident, speeding ticket, or a driving under the influence charge indicate that you might be more likely to file a claim in the future. To offset the cost of future claims, car insurance companies charge more for coverage.

Depending on the type of traffic violation, your insurance can increase significantly after an accident. Here’s how much Missouri drivers with a clean driving record pay for car insurance compared to drivers with a violation.

Driver RecordAverage Quote: Liability OnlyAverage Quote: Full Coverage
Clean record$91$226
With accident$137$339
With speeding ticket$129$321
With DUI$155$384
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Average Missouri car insurance rates by marital status

Marital status may affect car insurance costs. Married couples usually spend less on car insurance. Car insurance companies consider married couples more financially stable, which might indicate safer driving habits. Married couples can expect to save a few dollars each month on car insurance in Missouri.

Here’s how much car insurance costs in Missouri based on marital status.

Marital StatusAverage Quote: Liability OnlyAverage Quote: Full Coverage
Married$89$221
Single$93$231
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Shop for Car Insurance in Missouri

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Average Missouri car insurance rates by credit tier

Car insurance companies in Missouri can consider your credit-based insurance score when determining rates in Missouri. Drivers with excellent or good credit typically pay less for car insurance. Compared to drivers with excellent credit history, drivers with poor credit scores pay nearly double the amount for car insurance.[5]

Based on your credit tier, here’s how much you can expect to pay for car insurance in Missouri.

Credit TierAverage Quote: Liability OnlyAverage Quote: Full Coverage
Poor$146$362
Fair$100$249
Good$91$226
Excellent$81$201
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Missouri car insurance FAQs

Car insurance is a monthly bill, and it’s essential to understand your coverage and costs. The following information should help you find the best deal on coverage in Missouri.

  • What is the average cost of car insurance in Missouri?

    Car insurance costs an average of $169 per month in Missouri. The average monthly cost of liability-only coverage is $96. Full-coverage policies cost more, and Missouri drivers can expect to pay an average of $241 per month.

  • What is the cheapest car insurance in Missouri?

    USAA offers Missouri's cheapest car insurance rates — $29 for liability car insurance. State Farm and Allstate also have affordable liability coverage, with monthly rates of $35 and $47. The best way to find cheap coverage in Missouri is to compare coverage options and car insurance quotes from multiple insurers at once.

  • Do car insurance rates vary by county in Missouri?

    Yes. Auto insurance rates vary by city, county, and ZIP code in Missouri because of factors like population density, traffic congestion, accident rates, and more. For example, St. Louis drivers pay the highest rates, with an average of $325 per month for full-coverage auto insurance. Drivers in Columbia County spend an average of $202 for the same coverage type.

  • What are the best auto insurance companies in Missouri?

    With an Insurify Quality (IQ) Score of 4.6 out of 5, an A++ (Superior) financial strength rating from AM Best, and a high customer satisfaction ranking from J.D. Power, State Farm is the best car insurance company in Missouri. On average, State Farm policyholders in the state pay $35 per month for liability coverage and $67 for full coverage.

    Other top companies in Missouri include USAA and GEICO. The best auto insurance companies for you will depend on your budget, location, vehicle year, coverage level, and more.

  • What are the car insurance requirements in Missouri?

    Drivers in Missouri must have bodily injury liability, property damage liability, and uninsured motorist coverage. According to state law, minimum requirements include bodily injury coverage for at least $25,000 per person and $50,000 per accident — and equal amounts of uninsured motorist coverage. You also need $25,000 per accident in property damage liability coverage.[6]

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. Insurance Information Institute. "What determines the price of an auto policy?."
  2. Missouri State Highway Patrol. "Motor Vehicle Traffic Accident Summary: Crashes, Probable Contributing Circumstance by Crash Severity."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Missouri Department of Revenue. "Tickets and Points FAQs."
  5. Missouri Department of Insurance. "Auto Credit Scorubg."
  6. Missouri Department of Revenue. "Insurance Information."

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