Average Car Insurance Cost in Missouri (2025)
Drivers in Missouri pay an average of $133 per month for car insurance.
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Missouri drivers pay an average of $175 per month for full-coverage auto insurance and $91 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.
Quick Facts
Drivers in rural areas of Missouri generally pay lower car insurance premiums than drivers in urban areas like St. Louis and Kansas City.
Missouri allows insurance companies to review your credit history when setting your car insurance rates.
Missouri drivers pay an average of $2,103 per year for full-coverage car insurance.
How much is car insurance in Missouri?
On average, car insurance in Missouri costs $175 per month for full coverage and $91 per month for liability-only coverage. That’s compared to the national average of $182 for full coverage and $103 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
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To find car insurance rates in Missouri and the U.S. over the last two years, download our data here.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Your credit history is another factor in how much you pay for car insurance in Missouri. Insurance companies use credit-based insurance scores to assess risk — studies have shown that drivers with poor credit tend to file more claims.2
Missouri allows insurance companies to use credit history to set insurance rates, so drivers with poor credit often pay higher premiums than drivers with good or excellent credit. Improving your credit can help you save money on your car insurance.
The table below shows the average rate for full-coverage car insurance and liability-only coverage for Missouri drivers by credit tier.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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:
Missouri average car insurance cost FAQs
Below, we’ve answered some common questions from Missouri drivers. Check them out to help you find the best car insurance in Missouri.
The average annual rate for car insurance in Missouri is $2,103 for full coverage and $1,092 for liability-only coverage. Missouri’s auto insurance rates are usually slightly below the U.S. national average.
USAA, State Farm, and Progressive are some of Missouri’s cheapest car insurance companies. But the most affordable insurer for you depends on factors like your driving record, age, ZIP code, and vehicle type. Shopping around and comparing quotes can help you find the cheapest coverage.
In Missouri, drivers pay an average of $175 monthly for full-coverage car insurance and $91 for liability-only insurance.
State Farm, Allstate, GEICO, and American Family Insurance are a few of Missouri’s best auto insurance companies. They offer affordable rates, good customer service, financial stability, and reliable claims handling.
Missouri law requires all registered vehicles to have the following minimum coverage limits:3
$25,000 per person in bodily injury liability
$50,000 per accident in bodily injury liability
$25,000 per accident in property damage liability
$25,000 per person and $50,000 per accident in uninsured motorist bodily injury
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