Missouri car insurance costs differ between urban areas like St. Louis and rural counties, with personal factors like your record and the number of drivers on your policy also affecting your premium.
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Average Cost of Car Insurance in Missouri for 2026
Updated: May 24, 2026
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How Much Does Car Insurance Cost in Missouri?
Missouri drivers pay $124 per month for full coverage car insurance and $62 per month for minimum coverage. Full coverage costs align with the national average, while minimum liability coverage runs above the national norm.
| Minimum Coverage | $62 | $60 | $740 | $726 |
| Full Coverage | $124 | $124 | $1,486 | $1,493 |
Missouri drivers pay $28 more per year than the national average for full coverage and $52 more for minimum coverage. Missouri ranks 32nd out of all 50 states and Washington, D.C., for full coverage affordability.
Is Car Insurance Expensive in Missouri?
No, car insurance isn't expensive in Missouri, which ranks 32nd out of all 50 states and Washington, D.C., for full coverage affordability. Only 19 states have higher average rates than Missouri.
Missouri's rates are driven by frequent tornadoes and hailstorms that damage vehicles, plus a higher-than-average uninsured driver rate that increases costs for insured motorists. Kansas City, the state's largest metropolitan area, increases rates because of higher theft rates and traffic density (see rates by city).
Vermont offers the cheapest full coverage at $75 per month, while Florida drivers pay the most at $243 per month. Missouri ranks above Mississippi and below Rhode Island in terms of affordability.
| Vermont | $75 | $902 | 1 |
| Mississippi | $123 | $1,472 | 31 |
| Missouri | $124 | $1,486 | 32 |
| Rhode Island | $126 | $1,518 | 33 |
| Florida | $243 | $2,912 | 51 |
Cheapest Car Insurance Companies in Missouri
Auto-Owners is Missouri's cheapest insurer at $81 a month for full coverage and $34 for minimum, which is 41% below the state average. Travelers is second and GEICO third.
Comparing quotes from multiple insurers is the most reliable way to lower your premium. Each company uses its own formula, so the same driver profile gets different prices at different companies.
Read more: Cheapest and Best Car Insurance Companies in Missouri
| Auto Owners | $34 | $81 | $414 | $975 |
| Travelers | $40 | $81 | $478 | $978 |
| Geico | $38 | $87 | $454 | $1,048 |
| Farm Bureau | $37 | $101 | $447 | $1,207 |
| Shelter Insurance | $47 | $109 | $570 | $1,312 |
| Progressive | $61 | $103 | $734 | $1,241 |
How Much Is Car Insurance by City in Missouri?
Location is a major cost factor in Missouri. St. Louis averages $200 a month for full coverage and Kansas City $151, which are the two most expensive cities in the state. Columbia and St. Joseph are the cheapest at $120 and $121 a month.
| St. Louis | $200 | $99 |
| Kansas City | $151 | $74 |
| Independence | $144 | $70 |
| Blue Springs | $137 | $68 |
| Springfield | $133 | $65 |
| St. Charles | $126 | $60 |
| Lee's Summit | $125 | $60 |
| O'Fallon | $124 | $59 |
| St. Joseph | $121 | $57 |
| Columbia | $120 | $58 |
Full coverage varies by $80 a month between the most and least expensive of Missouri's 10 most populous cities.
How Much Is Car Insurance in Missouri by Age and Gender?
A 16-year-old boy in Missouri pays $7,666 a year on a family policy, which is about four to five times the adult rate. A 16-year-old girl pays $6,747. Both figures shift based on age and gender. Staying on a family policy saves a 16-year-old boy $4,267 a year over individual coverage and a 16-year-old girl $3,366. Rates fall steadily through the early 20s and level off around 25.
These figures are average annual premiums for a young driver added to a household policy with two 50-year-old parents. Toggle between male and female rates to compare costs for your situation. A 16-year-old boy on an individual policy pays $11,933 a year, which is $4,267 more than the $7,666 family policy rate for the same coverage.
Data filtered by:
Male
| 16 | $7,666 | $11,933 |
| 17 | $7,062 | $8,906 |
| 18 | $6,557 | $7,601 |
| 19 | $5,929 | $5,993 |
| 20 | $5,490 | $5,103 |
| 21 | $5,019 | $3,949 |
| 22 | $4,764 | $3,608 |
| 23 | $4,564 | $3,257 |
| 24 | $4,414 | $3,015 |
| 25 | $3,771 | $2,509 |
CAR INSURANCE COSTS BY AGE
Use our free calculator to estimate your Missouri car insurance cost based on your driver profile.
How Does Your Driving Record Affect Car Insurance Rates in Missouri?
Full coverage car insurance in Missouri ranges from $132 per month with a clean record to $205 per month after a DUI, a 55% increase that adds $73 per month to premiums. Even a speeding ticket pushes rates up by 23%, making any driving violation costly for Missouri drivers.
| Clean Record | $132 | $1,586 | — |
| Accident (not at fault) | $137 | $1,640 | 4% |
| Texting While Driving | $156 | $1,875 | 18% |
| Speeding | $162 | $1,938 | 23% |
| Accident (at fault) | $190 | $2,280 | 44% |
| DUI | $205 | $2,459 | 55% |
Insurers in Missouri evaluate your driving violations to determine how likely you are to file future claims. Drivers with tickets or accidents on their record pay higher car insurance rates because insurers price that added risk into premiums.
How Does Credit Score Affect Car Insurance Rates in Missouri?
Drivers with bad credit pay more than double for full coverage car insurance in Missouri compared to those with good credit. Bad credit drivers pay monthly premiums of $280 for full coverage, while good credit drivers pay $121 per month. Missouri allows insurers to use credit-based insurance scores when calculating premiums.
| Good Credit | $60 | $121 |
| Bad Credit | $133 | $280 |
| Difference | $73 | $159 |
Low-income Missouri drivers with poor credit can reduce their car insurance premiums by working to improve their credit scores. Missouri allows insurers to use credit-based scoring when setting rates, so a better credit score in Missouri translates to lower insurance costs.
How Much Does Car Insurance Cost in Missouri by Coverage Level?
Upgrading from minimum liability to high-limit full coverage in Missouri adds $71 per month to your premium. State minimum liability costs $67 per month, while a 300/500/300 policy with comprehensive and collision runs $138 per month.
| Minimum Liability Only | $67 | $808 |
| Min. liab. + comp/coll ($1,000 ded.) | $87 | $1,040 |
| Min. liab. + comp/coll ($2,000 ded.) | $109 | $1,305 |
| 100/300/100 liability + comp/coll ($1,000 ded.) | $132 | $1,586 |
| 300/500/300 liability + comp/coll ($1,500 ded.) | $138 | $1,660 |
| 50/100/50 liability + comp/coll ($500 ded.) | $139 | $1,670 |
| Min. liab. + comp/coll ($250 ded.) | $153 | $1,837 |
| Min. liab. + comp/coll ($0 ded.) | $182 | $2,190 |
READING THIS TABLE AND UNDERSTANDING COVERAGE LIMITS IN MISSOURI
Missouri's minimum liability coverage includes only the state-required limits of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 for property damage and 25/50 uninsured/underinsured motorist coverage. This baseline protection covers damage you cause to others but excludes comprehensive and collision insurance for your own vehicle. The table above starts with this minimum coverage and shows how premiums increase as you raise liability limits and add comprehensive and collision protection.
Here's what the 50/100/50 liability + comp/coll ($500 ded.) coverage level includes:
- $50,000 in bodily injury liability per person
- $100,000 in bodily injury liability per accident
- $50,000 in property damage liability per accident
- Comprehensive and collision coverage with a $500 deductible
For more on coverage types and limits, read about the types of car insurance coverages and how much car insurance you need.
How Much Does Car Insurance Cost in Missouri by Vehicle?
A Tesla Model Y costs $323 a month to insure in Missouri. A Ford F-150 and a Honda Civic are both $184, for a 76% gap between the cheapest and most expensive of these three. Your rate depends on your vehicle.
| Honda Civic | $92 | $1,108 | $184 | $2,205 |
| Ford F-150 | $92 | $1,105 | $184 | $2,214 |
| Honda Accord | $96 | $1,147 | $190 | $2,282 |
| Toyota Prius | $102 | $1,222 | $203 | $2,436 |
| Toyota Camry | $103 | $1,237 | $205 | $2,465 |
| Toyota Rav4 | $109 | $1,309 | $217 | $2,604 |
| Tesla Model 3 | $139 | $1,665 | $273 | $3,276 |
| Tesla Model Y | $164 | $1,966 | $323 | $3,879 |
Electric vehicles cost more to insure because repairs and battery replacements are expensive. In Missouri, a Tesla Model Y is $323 a month for full coverage. A Ford F-150 is $184, which is a $139 difference. A Honda Civic or Toyota Camry runs about $129 less a month than a Model Y.
Cost of Car Insurance in Missouri: FAQ
Car insurance rates in Missouri can change based on where you live, with urban drivers often paying much more than rural residents. These are the questions Missouri drivers ask us most about what affects their premiums.
How much is Missouri car insurance per month?
Missouri car insurance averages $62 per month for minimum coverage and $124 for full coverage. Your actual rate depends on your driving record, age, credit score and coverage choices.
Why is Missouri car insurance so expensive?
Missouri drivers pay high uninsured motorist rates at 16.7% compared to the national average of 13%, which pushes up premiums for everyone. Severe hailstorms and tornadoes generate massive comprehensive claims across the state, while rising healthcare costs increase personal injury payouts.
How We Determined Missouri Car Insurance Costs
We used this profile to determine auto insurance costs across all available ZIP codes and cities in Missouri.
- 40 years old
- Clean driving record
- Good credit
- 2012 Toyota Camry LE
Sections analyzing cost by age and driving record use rates for those driver profiles, with all other factors held constant.
Minimum coverage represents a state's minimum liability coverage. Full coverage includes 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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.