Missouri drivers can expect to pay $1,486 per year for full coverage car insurance and $740 for minimum coverage on average. Keep in mind these rates are based on a 40-year-old driver with good credit and a clean driving record, so your actual costs will vary based on your personal details.
Average Cost of Car Insurance in Missouri
Updated: August 14, 2025
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Key Takeaways
Florida car insurance costs can range anywhere from $1,721 to $13,864 per year on average depending on your chosen coverage, driving profile and location.
Missouri is near the middle range for car insurance costs nationwide, ranking 32nd for full coverage affordability and 33rd for minimum coverage policies.
You can find the cheapest car insurance in Missouri by deciding on coverage beforehand, researching cost and companies and comparing plenty of quotes.
Average Car Insurance Cost In Missouri
| Full Coverage | $124 | $1,486 |
| Minimum Coverage | $62 | $740 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by Missouri law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Average Missouri Car Insurance Cost By Category
Your individual characteristics, geographic location, and vehicle choice all play major roles in determining car insurance costs. Below, you'll find average rates for various driver categories and profiles.
| Young Drivers | $163 | $333 |
| Adult Drivers | $60 | $121 |
| Senior Drivers | $83 | $153 |
| Drivers With An Accident | $91 | $183 |
| Drivers With A DUI | $99 | $190 |
| Drivers With A Speeding Ticket | $77 | $152 |
| Drivers With Bad Credit | $133 | $280 |
| Drivers With Low Income | $77 | $157 |
| Drivers With Newer Cars | $90 | $174 |
| Drivers With Old Cars | $57 | $112 |
*We modified rates based on the same 40-year-old driver profile with these changes: young drivers (16 to 25), adults (26 to 64), seniors (65+), low income (fair credit), bad credit (poor credit), newer cars (2025 Toyota Camry LE), older cars (2007 Toyota Camry LE). Driving violation profiles include only that specific violation.
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Personalized Average Missouri Car Insurance Costs
General driver categories show basic rate information, but your costs will be different. Our filterable table below shows exact prices based on your personal details.
Data filtered by:Results filtered by:
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Age Group:Adult Drivers
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Gender:Female
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| 100/300/100 Full Cov. w/$1,000 Ded. | 297 | 3567 |
*Rates for the age groups are based on the following assumptions: young drivers (16 to 25), adults (26 to 64), seniors (65+).
Average Missouri Car Insurance Cost By City
Where you live in Missouri plays a big role in your car insurance costs. Annual rates for full coverage range from $614 in Jefferson City to $3,216 in Saint Louis. Below you can compare both full and minimum coverage rates for your city and other areas across the state.
Data filtered by:Results filtered by:
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City:Adrian
| Full Coverage | $114 | $1,371 |
| Minimum Coverage | $55 | $665 |
*Rates are based on a 40-year-old driver with good credit and a clean record driving a 2012 Toyota Camry LE. Minimum coverage means basic liability required by Missouri law. Full coverage includes 100/300/100 liability limits plus comprehensive and collision with $1,000 deductibles.
Is Missouri Car Insurance Expensive?
Our 2025 analysis places Missouri squarely in the middle range for car insurance costs nationwide, ranking 32nd for full coverage affordability and 33rd for minimum coverage policies. While these numbers show Missouri's overall position in the national landscape, your specific location within the state could face much higher or lower rates compared to other cities across the country.
Why Is Car Insurance More Expensive In Missouri?
Here's why Missouri car insurance costs more:
High Uninsured Driver Rate
Missouri has a higher rate of drivers operating without insurance compared to the national average. This elevated rate of uninsured motorists drives up costs for insured drivers and makes uninsured motorist coverage particularly important for Missouri residents, as the state requires this additional protection.
Severe Weather and Natural Disasters
Missouri experiences frequent severe weather including tornadoes, hail and thunderstorms that cause car damage. From 1980 to 2024, Missouri experienced 120 confirmed billion-dollar weather disasters, including 82 severe storm events. Recent storms have generated thousands of insurance claims, driving up comprehensive coverage costs.
Moderate Premium Costs
Missouri drivers pay approximately 7% less than the national average for full coverage and 21% less for minimum coverage. Full coverage averages $2,495 annually, while minimum coverage costs around $635 per year. This relatively affordable positioning makes Missouri a middle-of-the-road state for insurance costs despite its weather-related risks.
High Litigation Environment
Missouri has litigation related to car insurance claims, according to the state's Department of Commerce and Insurance. This litigious environment drives up claim costs and contributes to higher premiums as insurers factor in legal expenses and settlement costs.
Urban vs. Rural Rate Disparities
Missouri's insurance costs vary between urban and rural areas. Urban areas like Kansas City and St. Louis see higher rates due to increased traffic density and accident frequency, while rural areas generally experience lower premiums despite the state's overall severe weather risks.
High Teen Driver Costs
Missouri faces substantial costs for young drivers, with young men paying significantly more annually for full coverage when purchasing their own policy. However, Missouri ranks favorably as a more affordable state for teen insurance compared to other states.
Rising Repair and Labor Costs
Like other states, Missouri faces inflation-driven increases in auto repair costs and labor expenses. These escalating costs directly impact comprehensive and collision coverage premiums as insurers adjust rates to account for higher claim settlement amounts.e premiums.
DUI and Violation Penalties
Missouri imposes insurance penalties for traffic violations. A DUI conviction increases full coverage premiums substantially, while even minor at-fault accidents can add significant annual costs to insurance, reflecting the state's approach to risk-based pricing.
Regulatory Oversight and Consumer Protection
Missouri law requires that insurance rates not be excessive, inadequate or unfairly discriminatory. The state's Department of Commerce and Insurance conducts financial audits of insurance companies and offers free mediation services between consumers and insurers, helping policyholders recover additional claims annually.
How To Lower Car Insurance Costs In Missouri
Below is our guide to lowering your car insurance costs step by step.
- 1
Decide on coverage needs beforehand
Deciding on your coverage needs is important so you're not oversold on too much coverage. Consider your financial situation, driving habits, car details and risk tolerance when making this decision.
- 2
Research costs and discounts
To save money for your profile, know the average costs for your preferred coverage level. Research car insurance discounts you may qualify for and look into the best home and auto insurance bundles for the most balanced perspective.
- 3
Look into company reputations and coverage options
Cost isn't everything. Consider add-on coverage options and customer experiences with different providers to help narrow down which companies you'd like to compare quotes from. Use resources like industry studies, review forums and public forums like Reddit.
- 4
Compare quotes through multiple means
Compare quotes from multiple companies to find the best deal possible. Use different means of getting quotes, such as comparison sites and independent agents, since pricing varies widely by method.
Cost of Car Insurance in Missouri: Bottom Line
Missouri car insurance costs fall in the middle range compared to other U.S. states, making it important to take advantage of savings strategies. Decide on your coverage needs beforehand, do thorough research and compare quotes from the right insurers.
Cost of Car Insurance in Missouri: FAQ
We answer common questions about Missouri car insurance costs:
How much is Missouri car insurance per month?
Missouri car insurance costs $62 for minimum coverage and $124 for full coverage policies. Rates range from $57 to $333 monthly, depending on your unique driver profile and coverage choice.
What factors affect Missouri car insurance costs?
Primary factors include driving history, age and location. Drivers with accidents, violations or those who are young face higher rates, while urban areas cost more than rural ones. Car type, coverage amounts, credit score and annual mileage also impact premiums, along with factors like gender and marital status in some states.
Why is Missouri car insurance so expensive?
Missouri has uninsured drivers and experiences frequent severe weather including tornadoes, hail and thunderstorms. The state has experienced severe weather disasters over the decades. Missouri drivers pay approximately 7% less than the national average for full coverage, with rates averaging $2,495 annually. Credit scores impact rates, with poor credit increasing costs.
How expensive is Missouri car insurance?
Missouri ranks in the middle for car insurance costs nationwide, placing 32nd and 33rd for full and minimum coverage affordability among the 50 states and Washington, D.C.
How We Determined Missouri Car Insurance Costs
We used the following profile and modifications of this profile to determine Missouri auto insurance costs across all available zip codes and cities in the state:
- 40-years-old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Minimum coverage was defined as a state's minimum liability coverage and full coverage is a policy with 100/300/100 liability limits and a $1,000 deductible for comprehensive and collision coverage.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- National Centers for Environmental Information. "Billion-Dollar Weather and Climate Disasters: State Summary for Missouri." Accessed August 29, 2025.