Missouri car insurance runs approximately $1,486 for full coverage and $740 for minimum coverage per year, based on a 40-year-old driver with solid credit and no driving violations. Missouri positions at 32nd for full coverage and 33rd for minimum coverage in national rankings, with costs 2% above and 7% above average benchmarks respectively.
Average Cost of Car Insurance in Missouri
Updated: October 17, 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 |
Full coverage costs an additional $746 yearly beyond basic requirements, breaking down to about $62 monthly. Your specific rates will vary based on personal profile, driving experience and coverage options chosen.
Average Missouri Car Insurance Cost By Category
Young drivers face Missouri's highest costs at $333 monthly for full coverage, reflecting both inexperience and urban traffic challenges in cities like Saint Louis and Kansas City. Your personal characteristics dramatically affect Missouri car insurance costs.
Credit issues cost $280 monthly while adults pay $121 monthly baseline rates. Older vehicles provide moderate savings at $112 monthly, though Missouri's young driver penalties exceed most neighboring states.
| Drivers With Old Cars | $57 | $112 |
| Adult Drivers | $60 | $121 |
| Drivers With A Speeding Ticket | $77 | $152 |
| Drivers With Low Income | $77 | $157 |
| Senior Drivers | $83 | $153 |
| Drivers With Newer Cars | $90 | $174 |
| Drivers With An Accident | $91 | $183 |
| Drivers With A DUI | $99 | $190 |
| Drivers With Bad Credit | $133 | $280 |
| Young Drivers | $163 | $333 |
Missouri's metropolitan areas drive higher base costs, with young driver inexperience creating the state's most substantial premium increases.
FIND THE BEST CHEAP PROVIDER FOR YOUR PROFILE
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Average Missouri Car Insurance Cost by Company
Auto-Owners provides competitive rates in Missouri at $81 monthly for full coverage, while Shelter Insurance prices at the premium end with $109 monthly. Missouri insurance companies offer varying rate structures, with full coverage spanning from $81 to $109 monthly among prominent insurers.
Missouri residents can achieve annual savings of approximately $337 by choosing wisely between carriers.
| Auto Owners | $34 | $81 |
| Farm Bureau | $37 | $101 |
| Geico | $38 | $87 |
| Travelers | $40 | $81 |
| Shelter Insurance | $47 | $109 |
Average Missouri Car Insurance Cost By City
Jefferson City's state capital location keeps rates reasonable at $107 monthly, but Saint Louis drivers pay $268 monthly for full coverage - a massive $161 spread. This represents one of the largest city variations in the Midwest.
Saint Louis faces significant urban challenges including high crime rates and traffic density that substantially increase insurance costs. Compare rates for your city below.
Data filtered by:Results filtered by:
Adrian
City:Adrian
| Full Coverage | $114 | $1,371 |
| Minimum Coverage | $55 | $665 |
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 October 21, 2025.