How Much Is Car Insurance in Missouri? (2023)

Several factors impact your auto insurance rate, such as your coverage level, provider, driver age and credit score. In Missouri, auto insurance rates for full coverage can range from $909 per year with Nationwide to as high as $2,309 per year with Kemper. Additionally, drivers in their 20s usually pay around $1,619 annually, while those 60 and above pay about $1,210 per year.

The average car insurance cost in Missouri is $1,297 per year for drivers with clean records, but the actual cost you'll pay will depend on your driving record and the level of coverage you choose. For a full coverage policy, the average cost increases to $1,827 for drivers with a DUI (or a DWI, as it's called in Missouri). Those with a history of accidents or speeding tickets can expect to pay around $1,883 per year and $1,645 per year, respectively.

Missouri's average yearly cost of car insurance is $1,297, which is close to the national average of $1,054. Moderate car insurance rates in Missouri may be attributable to moderate traffic density, lower urban population density, less expensive insurers and lower car theft rates. However, if your insurance premiums are above the average, it could be due to personal factors like age or driving record.

The average cost of car insurance in Missouri is not necessarily representative of the rates charged by different providers in the state. For example, State Farm offers the cheapest car insurance in Missouri for minimum coverage at $388 per year ($930 for full coverage), while Kemper is the most expensive at $770 per year ($2,309 for full coverage).

Although full coverage insurance policies cost more than the cheapest liability-only policies, you can still find affordable full coverage auto insurance in Missouri by shopping around.

Car insurance rates in Missouri can vary greatly, with state minimum coverage costing an average of $560 per year and maximum coverage costing up to $1,433 per year. As you increase your liability limits, you can also expect your costs to go up. Additionally, selecting comprehensive and collision coverage — or full coverage insurance — will typically increase your yearly premium by several hundred dollars. You can lower the cost of your premium by choosing a higher deductible, which means you'll pay more out of pocket if you make a claim.

If you're looking for the most affordable car insurance in Missouri, a minimum coverage policy will have the cheapest rates. Minimum coverage in Missouri includes uninsured motorist coverage, which can make it expensive compared to other states.

Minimum coverage policies don't provide comprehensive and collision coverage and only include the minimum liability limits. Most insurers provide the option to increase liability limits up to a maximum of 300/500/300, which breaks down to the following coverage amounts:

• $300,000 in bodily injury liability per person
• $500,000 in bodily injury liability per accident
• $300,000 in property damage liability per accident

For more protection, you may want to consider a full coverage auto insurance policy, which includes comprehensive and collision insurance to cover damages to you and your vehicle in addition to liability insurance.

The driver's age is a significant factor when it comes to determining the cost of car insurance. Young and new drivers, in particular, tend to pay higher premiums because they are considered more risky to insure. Here are the average auto insurance rates for different age groups in Missouri:

• 22-29: $1,619 per year
• 30-59: $1,297 per year
• 60 and older: $1,210 per year

Rates tend to remain relatively stable for drivers in their 30s to 60s and may decrease slightly for those over 60. However, car insurance rates for new drivers may be similar to those for drivers in their 20s, even if they are over 30.

Car insurance rates for teens in Missouri are much higher than those for adults due to the high risk associated with inexperienced drivers. A 16-year-old male on a family plan can expect to pay around $3,696 per year, while an individual policy costs around $7,842 per year. Keep in mind that teens under 18 cannot legally purchase an individual plan without having a parent or guardian co-sign.

Rates generally decrease significantly as teens age — a 19-year-old male in Missouri, for example, can expect to pay about $2,769 per year for a family plan, while a 22-year-old pays around $2,071. In addition, female teens pay less for car insurance in most states. In Missouri, 16-year-old females pay around $3,171 per year for a family plan — $525 less than males.

Shopping around and comparing quotes from multiple insurers can help you find cheap auto insurance for teens in Missouri.

The average annual car insurance premium for a new car in Missouri is $1,654, which is 30% higher than the average premium for an old car of $1,269. Insuring a new car is typically more expensive due to its higher actual cash value (ACV), repair costs and risk of theft. A higher ACV means insurers will have to pay more in case of a covered loss, leading to higher premiums.

Drivers of new cars with a high ACV should consider full coverage insurance that includes coverage for the cost of damage to their car as well as liability coverage for damages caused to others.

Your driving record can have a significant impact on your auto insurance rates in Missouri. The following are the average rates for drivers in MO based on their driving history:

• Clean record: $1,297 per year
• Speeding ticket: $1,645 per year
• DUI: $1,827 per year
• At-fault accident: $1,883 per year

You can expect rates to increase based on the severity of the violation — for example, rates typically increase more following a DWI than after a speeding violation. To find the cheapest auto insurance rates for drivers with poor records, compare rates from several providers.

Your credit score can also impact your car insurance rates in Missouri. On average, the annual car insurance rates for different credit scores in Missouri are:

• Excellent: $1,096 per year
• Good: $1,355 per year
• Fair: $1,598 per year
• Below fair: $1,808 per year
• Poor: $2,084 per year

Certain insurance companies may penalize drivers with lower credit scores more than others, so it's always a good idea to shop around for affordable car insurance if you have poor credit.

The city you live in is a key factor in determining the cost of your car insurance. In Missouri, St. Louis has the highest average annual cost for full coverage auto insurance at $2,207, while Columbia has the lowest rates at $1,248. The higher rates in St. Louis may be attributed to its higher population density and car theft rates.

Here are answers to some common questions that buyers tend to ask when shopping for car insurance in Missouri. Note that your rates can vary according to your driving profile and location.