Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Missouri Average car insurance cost in Missouri The average premium for car insurance in Missouri is $1,982 per year or $165 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. | Updated on: December 31, 2024 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 57M Quotes reviewed 136 Insurance providers evaluated 34.5K ZIP codes analyzed Understanding potential costs is essential when seeking auto insurance in Missouri. On average, car insurance in Missouri costs $1,982 annually or $165 monthly. This figure contrasts with the national average of $1,895, showcasing a variance of $87 from the state average.You’re likely aware of this if you’re a resident here. Numerous factors contribute to car insurance premiums. Among them are age, gender, driving history, credit score, and location. This guide also provides insights into the average cost of full coverage in the state, companies offering affordable monthly premiums, average car insurance rates across cities in Missouri, and car insurance rates by age group.It’s wise to shop around and compare quotes to ensure you’re not overpaying for auto insurance. Continue reading the guide to ensure your insurance policy meets your needs without surpassing your budget. Average annual cost $1,982 Average per month cost $165 Average cost for state minimum coverage $488 / Year Cheapest car insurance company Nationwide($1,361 / Year) Average cost for young drivers $3,141 / Year Average cost for Senior drivers $1,887 / Year Key TakeawaysBased on Insure.com’s in-depth data analysis, car insurance in Missouri costs $1,982 per year.In Missouri, the average premium for car insurance is $165 per month.At $1,361 a year, Nationwide has the cheapest car insurance rates in Missouri.Average car insurance cost in Missouri per monthIn Missouri, the average monthly rate for car insurance is $165.This cost can vary among insurers, which is true of every auto insurance company. When exploring car insurance options in Missouri, it’s advisable to obtain quotes from multiple companies.Cheapest car insurance companies in MissouriAccording to Insure.com’s rate analysis, Nationwide offers the most affordable car insurance premiums in Missouri. The average annual cost is $1,361, or $113 per month. The second-best option available is Travelers, offering insurance at an average cost of $126 per month.The table below lists the other available car insurance companies that offer car insurance in Missouri, along with their average cost per month and average annual cost. Affordable car insurance providers in Missouri Graph Table Company nameAverage per month costAverage annual costNationwide$113$1,361Travelers$126$1,515Missouri Farm Bureau$154$1,845Shelter Insurance$159$1,906Progressive$163$1,960State Farm$173$2,072Auto Club Enterprises (AAA)$195$2,346Allstate$238$2,852Geico$268$3,217USAA$91$1,086 Read our guide to cheap car insurance companies Missouri car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Missouri Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,994/Year OR $250/month Missouri Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in MissouriThe extent of coverage you select determines car insurance costs in Missouri. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Missouri amounts to $582.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Missouri stands at $1,982.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Missouri, the average annual cost for non-owner state minimum liability coverage stands at $358.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $488 in Missouri.1State minimum:$4882Liability only:$5823Full coverage:$1,9824Non-owners:$358Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Missouri by cityColumbiaIndependenceKansas CitySpringfieldAverage car insurance cost in Missouri by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Missouri:CityAverage annual costBlue Springs$1,945Columbia$1,896Independence$2,024Kansas City$2,155Lee’s Summit$1,930O’Fallon$1,890Springfield$1,880St. Charles$1,903St. Joseph$1,957St. Louis$2,362Average car insurance cost in Missouri by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Missouri is $3,141, whereas for seniors, it’s $1,887. The rate for young drivers surpasses that of senior drivers by $1,254.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in Missouri for young driversFor female young drivers in Missouri, the average annual car insurance cost is $2,961, and $247 per month. Conversely, male young drivers face an average annual rate of $3,321, and $277 per month. The average annual rates for young male and female drivers are listed in the table below: Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 20 $4,262 $3,690 21 $3,451 $3,063 22 $3,152 $2,838 23 $2,940 $2,669 24 $2,802 $2,549 Average car insurance cost in Missouri for senior driversFor senior female drivers in Missouri, the annual cost of car insurance is $1,862, or $155 per month. Similarly, male senior drivers face an annual insurance rate of $1,912, or $159 per month. Age of driver Average annual cost for Male drivers Average annual cost for Female drivers 65 $1,784 $1,767 70 $1,884 $1,839 75 $2,067 $1,981 Read more about senior car insuranceMinimum car insurance requirements in MissouriEvery state establishes guidelines regarding the minimum car insurance coverage drivers must possess to be able to drive vehicles legally. As per details provided by the Missouri Department of Insurance, the required coverages and minimum coverage limits in Missouri are as follows:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $25,000Cheapest cars to insure in MissouriThe Volkswagen Taos has the most affordable average annual insurance premium, standing at $1,790. The Ford Maverick is followed closely at $1,802 per year. The difference in the cost of insuring these two models is $12 annually.MakeModelAverage annual premiumVolkswagenTaos$1,790FordMaverick$1,802MazdaCX-30$1,803HyundaiVenue$1,813KiaSeltos$1,814VolkswagenTiguan$1,824HondaHR-V$1,826HyundaiKona$1,876ToyotaCorolla Cross$1,877MazdaCX-5$1,879Most expensive cars to insure in MissouriThe Land Rover Range Rover P530 Autobiography, at an average annual premium of $8,432, tops the list as the most expensive car to insure. However, the difference between the cheapest and most expensive cars to insure is $6,642 annually.MakeModelAverage annual premiumLand RoverRange Rover P530 Autobiography$8,432BMWI7$8,420NissanZ Performance$8,122GenesisG90$7,790MaseratiQuattroporte$7,663MaseratiQuattroporte Trofeo$7,439GMCHummer EV$7,421BMWM5$7,409Land RoverRange Rover P400$7,321MaseratiGhibli Trofeo$7,297MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.57MQuotes reviewed136No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTennessee$1,677/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Missouri Non-owner auto insurance in Missouri Average renters insurance cost in Missouri Average homeowners insurance cost in Missouri Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Missouri per monthCheapest car insurance companies in MissouriAverage cost of car insurance by coverage levels in MissouriAverage car insurance cost in Missouri by cityAverage car insurance cost in Missouri by age of the driverMinimum car insurance requirements in MissouriCheapest cars to insure in MissouriMost expensive cars to insure in MissouriMethodology ZIP Code Please enter valid ZIP See rates