How Much Is Car Insurance in Missouri? (October 2024)

Missouri drivers can expect to pay around $1,583 per year for full coverage car insurance. If you're looking for something cheaper, minimum coverage averages $706 annually. Car insurance premiums depend on factors such as your age, your location, the level of coverage you need, your driving history and your credit score.

Missouri's average full coverage car insurance cost is around $1,583 annually. To find the best deal for car insurance, you can compare car insurance quotes.

Here's a quick look at Missouri's average auto insurance rates. Coverage options range from minimum to full coverage, giving you a clear picture of what you might pay monthly or yearly.

Car insurance in Missouri is relatively moderate. The average annual premium for state minimum liability-only coverage is $706 ($59 per month), slightly higher than the national average of $619 per year ($52 per month). The average annual premium for full coverage in Missouri with a $1,000 deductible is $1,583 ($132 per month), which is about $246 more than the national average of $1,337 annually ($111 per month).

The cost of car insurance in Missouri is influenced by several factors, including the state's weather conditions that can lead to frequent claims, urban population density, and state insurance laws. High traffic congestion, theft rates in urban areas and the likelihood of natural disasters such as tornadoes and hail storms can also drive up costs. Insurers also consider personal factors such as your driving record, credit history and the type of car you drive.

Car insurance premiums vary by company, even within the same state. In Missouri, Travelers offers the cheapest full coverage at an average annual premium of $965, while Kemper has the priciest average premium at $2,309 per year.

Understanding the importance of comparing car insurance quotes is key to finding the cheapest car insurance in Missouri. Shopping around can potentially save you hundreds of dollars annually.

The cost of car insurance in Missouri is also determined by the level of coverage selected. For instance, monthly minimum coverage costs around $59, whereas opting for full coverage with a $1,000 deductible, typically amounts to $132. Full coverage insurance is often recommended for its comprehensive protection despite the higher expense.

While including comprehensive and collision coverage in your policy raises your premium, selecting a higher deductible could help in reducing those costs. It's essential to note that the deductible applies individually to each comprehensive and collision coverage claim filed.

In Missouri, the minimum car insurance requirements include $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage per accident, along with uninsured/underinsured motorist coverage at the same limits.

Your location, down to the city, can influence your car insurance premiums. The lowest full coverage rate in Columbia is around $1,248 per year; in St. Louis, it is approximately $2,207 per year.

In Missouri, your car insurance costs can be affected by your driving history, the type of car you drive and your credit score. Rates vary based on age, gender and the desired level of coverage. The area's crime rates and traffic conditions also play a significant role.

Age is a significant factor affecting car insurance costs in Missouri. Drivers aged 22 to 29 pay the most, with an average annual cost of $1,983. By age 30 to 59, premiums decrease to an average of $1,583 annually, and by age 60+, premiums are typically at their lowest, with costs at around $1,497 per year.

This trend reflects insurers' risk assessments based on age-related driving experience and accident statistics.

Age and gender impact car insurance rates in Missouri, with 16-year-old male drivers having the highest premiums. On average, adding a 16-year-old male to a family policy costs approximately $3,696 annually, reflecting their greater risk profile.

Teenagers under 18 need a parent or guardian to co-sign for car insurance. If they choose an individual policy, the premium rises to about $7,842 per year.

The average annual cost for full coverage car insurance for a 2012 vehicle is $1,269, while insuring a 2022 model of the same vehicle is higher at around $1,654. This difference is due to the newer model's higher actual cash value, more expensive repair costs and increased risk of theft. Owners of newer models should invest in comprehensive and collision coverage to protect against a wide range of incidents.

In Missouri, your driving record plays a big role in determining your car insurance costs. Here's a snapshot of what drivers pay on average based on their records:

• With a ticket: $1,955 per year; $163 per month
• With an at-fault accident: $2,244 per year; $187 per month
• With a DWI: $2,227 per year; $186 per month

The type of driving violation affects your premium, with more severe offenses usually leading to higher costs. These violations stay on your record for a while, continuing to influence your rates until they drop off. For example, in Missouri, a DWI can impact your insurance rates for up to ten years.

Check the table, which you can filter by coverage and age group, to find the average cost for car insurance in Missouri based on various driving records.

Missouri drivers with excellent credit are quoted an average annual car insurance premium of $1,096, while those with poor credit may see rates soar to $2,084. Your credit score affects the cost of your car insurance in Missouri, as insurers consider it a measure of financial responsibility. Good credit typically ranges from 670 to 739, with higher scores often leading to more affordable insurance rates.

Explore the key factors that impact your car insurance rates in Missouri, ensuring you find an affordable plan that meets your needs.

• Age and Driving Experience: Younger drivers often face higher rates due to their lack of experience, which can lead to more accidents and claims.
• Driving Record: A clean driving record can lead to lower insurance costs, while tickets and other infractions increase costs.
• Credit Score: Insurers consider credit history as an indicator of risk, with a higher score often translating to lower insurance rates.
• Vehicle Type: The make, model and age of your vehicle affect your rates, with newer, expensive cars generally costing more to insure.
• Location Within Missouri: Urban areas with higher traffic density and theft rates may have higher insurance costs than rural locations.
• Coverage Level: Choosing between state minimum coverage and more comprehensive options impacts cost. Higher coverage levels mean higher premiums.
• Collision Insurance: Adding collision insurance to your policy covers your vehicle for damage from an accident, affecting your rate based on your deductible and coverage limit.
• Comprehensive Insurance: Opting for comprehensive insurance protects against non-collision events, which can alter your premium based on the value of your car and risk factors.
• Annual Mileage: The more you drive, the higher the likelihood of an incident, leading to increased insurance premiums.
• Marital Status: Married couples often receive lower rates due to perceived stability and shared driving, reducing individual risk exposure.

Each factor contributes to the overall cost of your car insurance in Missouri, pinpointing opportunities for savings and personalized coverage.

To find affordable car insurance in Missouri, compare rates, raise your deductible and utilize all applicable discounts for immediate savings on premiums.

This section provides insights into what you might expect to pay for car insurance tailored to a diverse range of driver profiles.