Average Car Insurance Cost in Missouri (2025)

Missouri drivers pay an average of $177 per month for full-coverage auto insurance and $92 per month for liability-only coverage. Missouri’s auto insurance rates are typically slightly cheaper than the U.S. national average.

Several factors affect car insurance rates in Missouri, including weather, crime rates, and driving conditions. Full-coverage insurance rates have risen over the past few years but are still lower than the national average.

How much is car insurance in Missouri?

On average, car insurance in Missouri costs $177 per month for full coverage and $92 per month for liability-only coverage. That’s compared to the national average of $184 for full coverage and $104 for liability-only coverage.

Your premiums may vary based on factors like your driving history, age, ZIP code, and vehicle.

How Missouri car insurance rates have changed over the past two years

The average annual premium for full-coverage car insurance in Missouri rose to $2,300 in 2024, up significantly from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Missouri.

See below how Missouri car insurance prices have changed over the past two years.

Average Missouri car insurance rates by city

Even within Missouri, where you live can have a big effect on how much you pay for car insurance. Rates vary from city to city because of differences like traffic density and crime rates.

Residents of urban areas, like St. Louis and Kansas City, tend to pay higher premiums because of increased accident risks, vehicle theft rates, and repair costs. On the other hand, drivers in smaller cities, like Cape Girardeau and Joplin, typically pay lower rates due to fewer accidents and lower claims frequency.

Average Missouri car insurance rates by age and gender

Age and gender can affect your car insurance rates. Younger drivers — especially teens — pay the highest premiums due to their lack of experience and high accident rates. As drivers age and gain experience behind the wheel, their rates typically decrease.

Gender also plays a role. Male drivers — particularly young men — typically pay higher rates because they’re statistically more likely to be involved in accidents. But gender differences in pricing tend to narrow as drivers reach middle age.

Average cost to insure popular vehicles in Missouri

Missouri’s most popular vehicles are pickup trucks and SUVs, reflecting the state’s rural and urban driving mix.1 Pickup trucks dominate due to their versatility, durability, and suitability for farming, construction, and outdoor activities — all common in Missouri.

The table below shows the average monthly quotes for these vehicles, according to Insurify data.

How your driving record affects car insurance rates in Missouri

Your driving record is one of the most important factors affecting your car insurance rates. Drivers with clean records tend to pay the lowest rates, while accidents, speeding tickets, and DUIs can increase car insurance rates. Insurance companies view these risky behaviors as indicators of future claims.

Below is a table showing average rates for drivers with incidents on their record. Serious issues — like a DUI — can increase rates significantly, while a speeding ticket may result in a more moderate increase.

How to lower your insurance costs in Missouri

Car insurance can be expensive, but you have several ways to reduce how much you pay. Here are some strategies to help you find cheap car insurance in Missouri: