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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.

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2023

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Average Car Insurance Costs in Missouri (2023)

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.

Driving Record
Annual Premium
Monthly Premium

Clean

$546

$46

Clean

$560

$47

Clean

$679

$57

Ticket

$733

$61

Ticket

$739

$62

DUI

$829

$69

DUI

$836

$70

At-Fault Accident

$841

$70

At-Fault Accident

$845

$70

Ticket

$874

$73

DUI

$976

$81

At-Fault Accident

$998

$83

Clean

$1,210

$101

Clean

$1,297

$108

Ticket

$1,560

$130

Clean

$1,619

$135

Ticket

$1,645

$137

DUI

$1,742

$145

At-Fault Accident

$1,798

$150

DUI

$1,827

$152

At-Fault Accident

$1,883

$157

Ticket

$1,977

$165

DUI

$2,181

$182

At-Fault Accident

$2,267

$189

Why Are Car Insurance Rates Moderate in Missouri?

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.

Average Car Insurance Costs in Missouri by Company

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.

Company
Annual Premium
Monthly Premium

State Farm

$381

$32

State Farm

$388

$32

Progressive

$443

$37

Nationwide

$452

$38

Nationwide

$458

$38

State Farm

$479

$40

Travelers

$496

$41

Progressive

$497

$41

Travelers

$545

$45

Progressive

$551

$46

Travelers

$572

$48

American Family

$574

$48

American Family

$580

$48

Shelter

$607

$51

American Family

$621

$52

AAA

$626

$52

Nationwide

$631

$53

Allstate

$650

$54

Allstate

$658

$55

GEICO

$677

$56

AAA

$702

$58

GEICO

$725

$60

Shelter

$728

$61

GEICO

$728

$61

Kemper

$770

$64

Allstate

$788

$66

Kemper

$798

$67

Nationwide

$860

$72

Kemper

$865

$72

State Farm

$874

$73

AAA

$901

$75

Nationwide

$909

$76

State Farm

$930

$77

American Family

$932

$78

American Family

$1,005

$84

Allstate

$1,016

$85

Travelers

$1,051

$88

Allstate

$1,054

$88

Travelers

$1,061

$88

American Family

$1,070

$89

Shelter

$1,122

$94

State Farm

$1,178

$98

Nationwide

$1,243

$104

Travelers

$1,250

$104

Progressive

$1,312

$109

Shelter

$1,341

$112

Allstate

$1,350

$112

Progressive

$1,376

$115

AAA

$1,387

$116

GEICO

$1,479

$123

GEICO

$1,511

$126

AAA

$1,569

$131

Shelter

$1,616

$135

GEICO

$1,678

$140

Progressive

$1,690

$141

AAA

$2,027

$169

Kemper

$2,231

$186

Kemper

$2,309

$192

Shelter

$2,477

$206

Kemper

$2,736

$228

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MONEYGEEK’S MISSOURI CAR INSURANCE CALCULATOR

While the coverage levels you choose will influence your car insurance rates, other factors like age and driving history also play a role. To get a quick estimate of your rates, you can use MoneyGeek’s Missouri car insurance calculator.

Average Car Insurance Costs in Missouri by Coverage Level

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.

Average annual car insurance rates by coverage tier

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.

Average Car Insurance Costs in Missouri by Age

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.

Age
Annual Premium
Monthly Premium

22-29

$679

$57

22-29

$1,619

$135

30-59

$560

$47

30-59

$1,297

$108

60 +

$546

$46

60 +

$1,210

$101

Average Car Insurance Costs in Missouri for Teens

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.

Age
Annual Family Premium
Monthly Family Premium
Annual Individual Premium
Monthly Individual Premium

16

$3,171

$264

$6,933

$578

16

$3,696

$308

$7,842

$653

17

$3,023

$252

$5,230

$436

17

$3,522

$294

$6,067

$506

18

$2,472

$206

$4,301

$358

18

$2,879

$240

$5,010

$417

19

$2,415

$201

$3,326

$277

19

$2,769

$231

$3,785

$315

20

$2,435

$203

$2,890

$241

20

$2,782

$232

$3,257

$271

21

$2,003

$167

$2,362

$197

21

$2,284

$190

$2,657

$221

22

$1,876

$156

$2,142

$178

22

$2,071

$173

$2,377

$198

23

$1,947

$162

$2,008

$167

23

$2,162

$180

$2,167

$181

24

$1,846

$154

$1,907

$159

24

$2,017

$168

$2,036

$170

25

$1,631

$136

$1,692

$141

25

$1,735

$145

$1,760

$147

Average Car Insurance Costs in Missouri for New Cars vs. Older Cars

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.

Model Year
Annual Premium
Monthly Premium

2022 Vehicle

$519

$43

2022 Vehicle

$522

$44

2012 Vehicle

$564

$47

2012 Vehicle

$573

$48

2022 Vehicle

$598

$50

2012 Vehicle

$654

$55

2012 Vehicle

$1,219

$102

2012 Vehicle

$1,269

$106

2012 Vehicle

$1,524

$127

2022 Vehicle

$1,534

$128

2022 Vehicle

$1,654

$138

2022 Vehicle

$2,006

$167

Average Car Insurance Costs in Missouri by Driving Record

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.

Driving Record
Annual Premium
Monthly Premium

Clean

$546

$46

Clean

$560

$47

Clean

$679

$57

Ticket

$733

$61

Ticket

$739

$62

DUI

$829

$69

DUI

$836

$70

At-Fault Accident

$841

$70

At-Fault Accident

$845

$70

Ticket

$874

$73

DUI

$976

$81

At-Fault Accident

$998

$83

Clean

$1,210

$101

Clean

$1,297

$108

Ticket

$1,560

$130

Clean

$1,619

$135

Ticket

$1,645

$137

DUI

$1,742

$145

At-Fault Accident

$1,798

$150

DUI

$1,827

$152

At-Fault Accident

$1,883

$157

Ticket

$1,977

$165

DUI

$2,181

$182

At-Fault Accident

$2,267

$189

Average Car Insurance Costs in Missouri by Credit Score

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.

Credit Score
Average Annual Premium
Average Monthly Premium

Excellent

$461

$38

Excellent

$465

$39

Excellent

$531

$44

Good

$560

$47

Good

$565

$47

Good

$644

$54

Fair

$659

$55

Fair

$664

$55

Below Fair

$745

$62

Below Fair

$750

$62

Fair

$756

$63

Poor

$850

$71

Below Fair

$854

$71

Poor

$860

$72

Excellent

$974

$81

Poor

$981

$82

Excellent

$1,044

$87

Excellent

$1,053

$88

Excellent

$1,096

$91

Excellent

$1,129

$94

Excellent

$1,174

$98

Good

$1,202

$100

Excellent

$1,266

$106

Good

$1,288

$107

Excellent

$1,298

$108

Good

$1,302

$108

Good

$1,355

$113

Excellent

$1,370

$114

Good

$1,398

$117

Fair

$1,407

$117

Good

$1,456

$121

Fair

$1,519

$127

Fair

$1,525

$127

Good

$1,564

$130

Below Fair

$1,588

$132

Fair

$1,598

$133

Good

$1,601

$133

Fair

$1,662

$138

Good

$1,694

$141

Below Fair

$1,717

$143

Below Fair

$1,722

$143

Fair

$1,730

$144

Below Fair

$1,808

$151

Fair

$1,832

$153

Poor

$1,838

$153

Below Fair

$1,882

$157

Fair

$1,884

$157

Below Fair

$1,960

$163

Poor

$1,963

$164

Fair

$2,003

$167

Poor

$2,008

$167

Below Fair

$2,068

$172

Poor

$2,084

$174

Below Fair

$2,129

$177

Poor

$2,210

$184

Below Fair

$2,266

$189

Poor

$2,273

$189

Poor

$2,372

$198

Poor

$2,444

$204

Poor

$2,614

$218

Average Car Insurance Costs in Missouri by City

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.

City
Full Coverage Annual Premium
Minimum Coverage Annual Premium

Columbia

$1,545

$671

Columbia

$1,248

$554

Columbia

$1,146

$536

Independence

$1,776

$805

Independence

$1,436

$664

Independence

$1,329

$643

Kansas City

$2,006

$885

Kansas City

$1,625

$733

Kansas City

$1,509

$711

Springfield

$1,691

$793

Springfield

$1,363

$652

Springfield

$1,269

$631

St. Louis

$2,693

$1,123

St. Louis

$2,207

$934

St. Louis

$2,061

$913

Insurance Rates

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FAQ About Car Insurance Costs in Missouri

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.