Missouri drivers pay $124 per month for full coverage car insurance and $62 per month for minimum coverage. Full coverage is within $7 of the national annual figure ($1,486 vs. $1,493), while minimum coverage costs $14 per year above the national average ($740 vs. $726).
Average Cost of Car Insurance in Missouri for 2026
Updated: June 19, 2026
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How Much Does Car Insurance Cost in Missouri?
Minimum Coverage | $62 | $60 | $740 | $726 |
Full Coverage | $124 | $124 | $1,486 | $1,493 |
Your own rate depends on where in the state you live, your age and driving record, and which insurer you choose. Location and company selection are the two controllable variables with the largest dollar range in Missouri.
Missouri Car Insurance Cost by Coverage Level
The most common full coverage benchmark is 100/300/100 liability with a $1,000 deductible. In Missouri, it costs $132 per month. A state minimum liability only policy costs $67 per month. Adding comprehensive and collision to minimum liability with a $1,000 deductible costs $87 per month, a $20 increase from the minimum.
The deductible you choose matters more than the liability limit you carry in Missouri: a minimum liability policy with a $250 deductible costs $153 per month, which is $21 more per month than the 100/300/100 policy with a $1,000 deductible at $132 per month. The 100/300/100 policy offers more liability protection for less money.
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 |
How Much Is Car Insurance by City in Missouri?
St. Louis drivers pay $200 per month for full coverage, while Columbia drivers pay $120. That’s an $80 monthly difference across Missouri's most and least expensive major cities. St. Louis has higher average premiums because of elevated vehicle theft rates and the traffic density of the state's largest metro. Kansas City, the second-most-expensive city at $151 per month, has similar urban risk factors.
$200 | $99 | |
$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 |
How Much Is Car Insurance in Missouri by Age and Gender?
Age affects car insurance rates in Missouri, with 16-year-old males paying $4,600 per year and females paying $4,048 per year. Both figures drop steadily through the early 20s, with the largest single-year reduction at 24 to 25. A 25-year-old male pays $2,263 per year, $386 less than a 24-year-old.
Missouri insurers use gender as a rating factor. At age 16, male drivers pay $552 per year more than female drivers ($4,600 vs. $4,048). The gender gap narrows with age: by 25, male drivers pay $146 more per year than female drivers ($2,263 vs. $2,117).
Use our free calculator to estimate your Missouri car insurance cost based on your age and driver profile.
Cost of Car Insurance with Violations in Missouri
A DUI in Missouri increases full coverage rates by $73 per month in Missouri, from $132 to $205. This is the violation that results in the highest penalty in the state. Drivers with not-at-fault accidents pay $5 more per month compared to those with a clean record. If you get into an at-fault accident, you can expect monthly rates of $190.
Clean Record | $132 | $1,586 |
Accident (not at fault) | $137 | $1,640 |
Texting While Driving | $156 | $1,875 |
Speeding | $162 | $1,938 |
Accident (at fault) | $190 | $2,280 |
DUI | $205 | $2,459 |
How Does Credit Score Affect Car Insurance Rates in Missouri?
Missouri allows insurers to use credit-based insurance scores when calculating premiums. Bad credit costs Missouri drivers $159 more per month for full coverage than good credit ($280 vs. $121).
Low-income Missouri drivers with poor credit can lower premiums by working to improve their credit scores before their next renewal.
Good Credit | $60 | $121 |
Bad Credit | $133 | $280 |
Difference | $73 | $159 |
How Much Does Car Insurance Cost in Missouri by Vehicle?
Your rate will depend on your vehicle as well. A Tesla Model Y costs $323 per month to insure in Missouri, compared to $184 for a Honda Civic. The $139 monthly difference is tied to higher EV repair and battery replacement costs.
Full coverage for a Honda Civic and a Ford F-150 costs $184 each, while a Tesla Model 3 costs $273 per month.
$92 | $1,108 | $184 | $2,205 | |
$92 | $1,105 | $184 | $2,214 | |
$96 | $1,147 | $190 | $2,282 | |
$102 | $1,222 | $203 | $2,436 | |
$103 | $1,237 | $205 | $2,465 | |
$109 | $1,309 | $217 | $2,604 | |
$139 | $1,665 | $273 | $3,276 | |
$164 | $1,966 | $323 | $3,879 |
What Affects Your Car Insurance Rates in Missouri?
Your vehicle, city, driving record, age, coverage level and credit score help determine how much your car insurance rates will be. Insurers may weigh factors differently, so cost will vary.
How to Compare Car Insurance Rates in Missouri
Auto-Owners and Travelers at $81 per month have the lowest full coverage rates in Missouri. A driver paying the state average of $124 per month could save $43 per month ($516 per year) by switching.
The best car insurance companies in Missouri offer affordable prices and can pay claims. Because each insurer applies its own formula to Missouri’s storm exposure, theft data, and uninsured driver rate, the same driver profile can find a wide range of quotes. Get quotes from at least three companies to find the cheapest car insurance in Missouri for your profile.
$34 | $81 | $414 | $975 | |
$40 | $81 | $478 | $978 | |
$38 | $87 | $454 | $1,048 | |
$37 | $101 | $447 | $1,207 | |
$47 | $109 | $570 | $1,312 | |
$61 | $103 | $734 | $1,241 |
Cost of Car Insurance in Missouri: FAQ
Missouri car insurance averages $62 per month for minimum coverage and $124 per month for full coverage. Your actual rate depends on your driving record, age, credit score, and coverage selection.
Missouri's uninsured driver rate of 16.7% exceeds the 13% national figure, which raises costs for all insured drivers. Frequent hailstorms and tornadoes generate large comprehensive claims across the state, and Kansas City's higher theft rates and traffic density push up premiums in that metro.
Missouri allows insurers to use credit-based scoring when setting rates, so improving your credit score before renewal directly reduces your premium. Drivers with good credit pay $121 per month for full coverage in Missouri, while those with poor credit pay $280 per month. That’s a $159 monthly difference.
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 Missouri'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 produces 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. No insurance company partnership influences his recommendations.
Mark holds a B.A. from Boston College and an M.A. in Economics and International Relations from Johns Hopkins University. He started his career in financial risk management at State Street and is also a five-time “Jeopardy!” champion.