Average Car Insurance Cost in Missouri (2024)
Drivers in Missouri pay $154 per month, on average, for car insurance.
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Written byTaylor Milam-Samuel
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8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 21, 2024
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Table of contents
Missouri drivers pay average car insurance rates that are comparable to the national average of $154 per month. The cost of auto coverage will vary by city and ZIP code. Factors like your age, ZIP code, gender, and driving record will also affect how much you pay for insurance coverage in the Show-Me State.[1]
You can expect to pay more for coverage if you live in a larger city in Missouri, like St. Louis or Kansas City. Drivers in more rural parts of the state pay less because areas with lower population density typically have less traffic congestion and cars on the road.
Here’s what you need to know about comparing quotes and finding auto insurance in Missouri.
Quick Facts
Distracted or inattentive driving contributed to more than 15,000 vehicle crashes in the state of Missouri in 2023.[2]
Drivers in St. Louis pay the highest car insurance rates in Missouri, with an average monthly cost of $238.
Because Missouri is an at-fault state, the insurance of the driver responsible for a car accident must cover the other party’s resulting injuries and damages.
What’s the average cost of car insurance in Missouri?
Missouri drivers pay an average of $99 per month for liability insurance and $210 for full coverage.
Liability coverage, the minimum amount of insurance you need in Missouri, pays for the other driver’s medical bills and vehicle repair costs if you have an at-fault accident. Full-coverage insurance includes liability, collision, and comprehensive coverage, which extends protection to your own vehicle.[3]
The following insurance companies offer the cheapest car insurance in Missouri. Here are the average rates for the best car insurance companies in the state.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| USAA | $29 | $55 |
| State Farm | $35 | $65 |
| Allstate | $47 | $88 |
| GEICO | $51 | $96 |
| American Family | $59 | $110 |
| Clearcover | $69 | $143 |
| Progressive | $71 | $134 |
| Shelter | $77 | $146 |
| Nationwide | $82 | $155 |
| Auto-Owners | $85 | $160 |
| Travelers | $86 | $161 |
| Safeco | $90 | $143 |
| Direct Auto | $92 | $185 |
| National General | $96 | $201 |
| Dairyland | $119 | $369 |
| GAINSCO | $128 | $307 |
| Bristol West | $128 | $340 |
| The General | $130 | $307 |
| Liberty Mutual | $136 | $268 |
| AssuranceAmerica | $141 | $441 |
| Foremost | $156 | $337 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Missouri
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Average Missouri car insurance rates by city
Your ZIP code affects how much you pay for car insurance, which is one of the reasons that car insurance rates vary within the same state. Drivers in Jefferson City pay the lowest rates for insurance policies in Missouri. St. Louis residents pay nearly twice as much for coverage — making it the most expensive city in the state for car insurance.
Here’s how much you can expect to pay for car insurance in some Missouri cities.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Jefferson City | $84 | $184 |
| Columbia | $96 | $198 |
| Joplin | $174 | $87 |
| Springfield | $110 | $196 |
| St. Louis | $165 | $310 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Missouri car insurance rates by age
Your age influences how much you pay for car insurance.
Young drivers, especially teen drivers, can expect higher rates due to inexperience and a higher risk of accidents. Once you’re in your 30s, costs decrease as you age, culminating in the lowest pricing around retirement age. However, rates start to slightly increase for senior drivers 70 and older due to aging-related risk factors.
Here’s how much you can expect to pay for car insurance in Missouri based on your age.
Rates by Age
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How gender affects car insurance rates in Missouri
Your gender can also affect how much you pay for car insurance. Women typically pay less for insurance. Statistically, women have fewer severe accidents and high-risk violations, which can reduce the cost of insurance.
Age also affects the insurance cost differences between male and female drivers. For example, teenage boys have much higher rates than teenage girls, but this cost difference decreases with age.
Here’s how much you can expect to pay for car insurance in Missouri based on your age and gender.
Age ▲▼ | Male ▲▼ | Female ▲▼ |
|---|---|---|
| 16 | $464 | $395 |
| 35 | $212 | $199 |
| 50 | $160 | $157 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 also influences your car insurance rates. Drivers with a clean record can secure the most competitive rates. Insurance companies review your record to predict risk. In Missouri, tickets stay on your record for up to three years.[4]
High-risk violations like a car accident, speeding ticket, or a driving under the influence charge indicate that you might be more likely to file a claim in the future. To offset the cost of future claims, car insurance companies charge more for coverage.
Depending on the type of traffic violation, your insurance can increase significantly after an accident. Here’s how much Missouri drivers with a clean driving record pay for car insurance compared to drivers with a violation.
Driver Record ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Clean record | $91 | $226 |
| With accident | $137 | $339 |
| With speeding ticket | $129 | $321 |
| With DUI | $155 | $384 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average Missouri car insurance rates by marital status
Marital status may affect car insurance costs. Married couples usually spend less on car insurance. Car insurance companies consider married couples more financially stable, which might indicate safer driving habits. Married couples can expect to save a few dollars each month on car insurance in Missouri.
Here’s how much car insurance costs in Missouri based on marital status.
Marital Status ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Married | $89 | $221 |
| Single | $93 | $231 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates in Missouri
Recent Missouri car insurance prices for Chevrolet, Dodge, Jeep , and more.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Average Missouri car insurance rates by credit tier
Car insurance companies in Missouri can consider your credit-based insurance score when determining rates in Missouri. Drivers with excellent or good credit typically pay less for car insurance. Compared to drivers with excellent credit history, drivers with poor credit scores pay nearly double the amount for car insurance.[5]
Based on your credit tier, here’s how much you can expect to pay for car insurance in Missouri.
Credit Tier ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Poor | $146 | $362 |
| Fair | $100 | $249 |
| Good | $91 | $226 |
| Excellent | $81 | $201 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Missouri car insurance FAQs
Car insurance is a monthly bill, and it’s essential to understand your coverage and costs. The following information should help you find the best deal on coverage in Missouri.
What is the average cost of car insurance in Missouri?
Car insurance costs an average of $154 per month in Missouri. The average monthly cost of liability-only coverage is $99. Full-coverage policies cost more, and Missouri drivers can expect to pay an average of $210 per month.
What is the cheapest car insurance in Missouri?
USAA offers Missouri's cheapest car insurance rates — $29 for liability car insurance. State Farm and Allstate also have affordable liability coverage, with monthly rates of $35 and $47. The best way to find cheap coverage in Missouri is to compare coverage options and car insurance quotes from multiple insurers at once.
Do car insurance rates vary by county in Missouri?
Yes. Auto insurance rates vary by city, county, and ZIP code in Missouri because of factors like population density, traffic congestion, accident rates, and more. For example, St. Louis drivers pay the highest rates, with an average of $310 per month for full-coverage auto insurance. Drivers in Columbia County spend an average of $198 for the same coverage type.
What are the best auto insurance companies in Missouri?
With an Insurify Quality (IQ) Score of 9.3 out of 5, an A++ (Superior) financial strength rating from AM Best, and a high customer satisfaction ranking from J.D. Power, State Farm is the best car insurance company in Missouri. On average, State Farm policyholders in the state pay $35 per month for liability coverage and $65 for full coverage.
Other top companies in Missouri include USAA and GEICO. The best auto insurance companies for you will depend on your budget, location, vehicle year, coverage level, and more.
What are the car insurance requirements in Missouri?
Drivers in Missouri must have bodily injury liability, property damage liability, and uninsured motorist coverage. According to state law, minimum requirements include bodily injury coverage for at least $25,000 per person and $50,000 per accident — and equal amounts of uninsured motorist coverage. You also need $25,000 per accident in property damage liability coverage.[6]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Missouri
Sources
- Insurance Information Institute. "What determines the price of an auto policy?."
- Missouri State Highway Patrol. "Motor Vehicle Traffic Accident Summary: Crashes, Probable Contributing Circumstance by Crash Severity."
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Missouri Department of Revenue. "Tickets and Points FAQs."
- Missouri Department of Insurance. "Auto Credit Scorubg."
- Missouri Department of Revenue. "Insurance Information."
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Taylor Milam-Samuel
Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
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