Here are key tips to help you shop for car insurance confidently and save in Missouri. Compare different quotes to find the best fit. Understand your coverage needs and explore discounts for potential savings. These strategies can boost your confidence in choosing the right plan.
Car Insurance Calculator Missouri
Updated: May 21, 2025
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$155
High
$114
Average
$64
Low
Rates updated:
Jun 06, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in Missouri will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Missouri can range anywhere from $658 to $6,833 per year depending on a variety of factors.
To get the best deal on Missouri car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Missouri Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
To prevent being pushed into a higher coverage level than necessary, it's best to determine your coverage needs before shopping. Consider factors like your living area, driving habits, vehicle, and financial situation. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Investigate average car insurance costs in Missouri based on your chosen coverage and driver profile. This helps you understand potential savings when comparing quotes. Also, look for discounts you might qualify for to discuss with agents for personal savings.
Research the Cheapest Providers for You
With your coverage level and cost research ready, begin gathering provider estimates before seeking quotes. This helps identify where to start when comparing quotes and who likely offers the cheapest car insurance in Missouri for you. Use our car insurance calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing multiple providers in Missouri can lead to significant savings. Research shows potential savings of up to 54% on full coverage and 57% on minimum coverage. Use various avenues like comparison sites, independent brokers, insurer websites, and direct agencies as prices for the same coverage can vary.
Take Advantage of Missouri-Specific Programs
If you're a high-risk driver, Missouri offers defensive driver courses that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for those who drive less. Telematics insurance, tracking driving habits for discounts up to 40%, and automaker insurance programs may also offer savings and added benefits compared to traditional options.
What Affects Your Missouri Car Insurance Estimates?
Your car insurance premium in Missouri is determined by four core areas: vehicle details, driver profile, location and provider choice. Click the links below to learn more about how each affects rates for Missouri drivers:Â
How Much Does Provider Chosen Affect Missouri Car Insurance Estimates?
The provider you choose is the most influential factor affecting car insurance estimates and quotes in Missouri. Depending on the provider, your rates can drop 36% or increase by as much as 55% compared to the average for Missouri drivers.
| Lowest | Travelers | $79 | $951 |
| Highest | Kemper | $192 | $2,309 |
How Much Does Age Affect Missouri Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Missouri drivers. Depending on your age, your rates can go up as much as 129% or decrease by as much as 45% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16, and decrease from there until you are 65.
| Lowest | 65 | $117 | $1,406 |
| Highest | 16 | $569 | $6,833 |
How Much Does Credit Affect Missouri Car Insurance Estimates?
Credit score level influences car insurance rates in Missouri the 3rd most when compared to other factors. The better your credit score is, the lower your car insurance rates will be. Rates can vary from $113 monthly to $216 per month on average for full coverage policies.
| Lowest | Excellent | $113 | $1,356 |
| Highest | Poor | $216 | $2,595 |
How Much Does Coverage Affect Missouri Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates. Rates can vary from $658 per year for minimum coverage to $1,662 yearly for maximum coverage. Essentially, the higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $55 | $658 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $139 | $1,662 |
How Much Does Driving Record Affect Missouri Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Missouri with rates changing up to 13%. Depending on how many violations you have and their severity, rates will vary widely.
| Lowest | Clean | $124 | $1,491 |
| Highest | Accident | $177 | $2,119 |
Missouri Car Insurance Calculator: Bottom Line
Before you use our car insurance calculator, we recommend checking out different costs, coverage options, and companies. After researching, grab lots of quotes. Compare them with our estimates to find the best deal for your needs. It's all about matching up the details to save on your unique situation.
Missouri Car Insurance Estimate: FAQ
Below you will find answers to common questions about Missouri car insurance costs and estimates.
What is used to determine Missouri car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Missouri car insurance on average?
On average, Missouri car insurance can range from $30 per month for state minimum coverage to up to $200 monthly for comprehensive policies.
How do I get the best car insurance in Missouri?
To secure the best car insurance in Missouri, compare coverage options and rates from various providers and utilize tools like car insurance calculators for cost-effective solutions.
Our Missouri Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.