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: September 9, 2024 Why you can trust Insure.com Quality Verified 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. 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 $1,682, 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.Summary of average car insurance cost in MissouriAverage annual cost $1,982Average per month cost $165Average cost for state minimum coverage $488 / YearCheapest car insurance company Nationwide($1,361 / Year)Average cost for young drivers $3,141 / YearAverage cost for Senior drivers $1,887 / Year Key Takeaways Based 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 monthly rate for car insurance is $165.This rate can vary among companies, as is the case with every auto insurance carrier. When exploring car insurance rates in Missouri, it’s best to obtain quotes from multiple companies to ensure you find the most suitable coverage at the best possible price.Cheapest car insurance companies in MissouriThe table below lists the other available car insurance companies which offer car insurance in Missouri, along with their average cost per month and average annual cost.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$1,086Read 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 opt for directly influences the cost of car insurance in Missouri. Your premium is determined by the limits of your liability coverage, as well as your choice regarding comprehensive and collision coverage.Liability-only insurance protects against third-party property damage and personal injuries in case of an accident. However, in the event of a collision, having solely liability coverage on your auto insurance wouldn’t cover your injuries or personal property damage if you’re responsible for the accident. If your coverage limit is 50/100/50 for liability only, the average annual cost in Missouri would be $582.As you enhance your policy with additional coverage, your insurance premium inevitably rises, as the insurance provider will be liable to compensate you in the event of an accident or any other form of damage. Consequently, the average annual cost of full coverage car insurance in Missouri amounts to $1,982.For individuals who don’t own a car but frequently rent one, non-owner state minimum liability coverage is the most suitable option. Similar to liability-only coverage, it provides protection for property damage and bodily injury caused to another driver. In Missouri, the average annual cost for non-owner state minimum liability coverage stands at $358.For individuals seeking to lower their car insurance premiums, choosing the state minimum liability coverage alone, allows them to legally operate a vehicle within the state. This state minimum liability-only coverage option is priced at $488 annually in Missouri.Coverage limitsAverage annual costState Minimum BI/PD$488Liability Only – 50/100/50 BI/PD$582Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,982Non-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 is a significant factor affecting auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to any other age group. For instance, in Missouri, the average annual rate for young drivers is $3,141, whereas for seniors, it’s $1,887. Notably, the rate for young drivers surpasses that of senior drivers by $1,254.Statistics indicate that young drivers face a greater risk of car accidents than seasoned drivers. Consequently, they are classified as high-risk individuals. They are more expensive to insure due to tendencies such as speeding and limited road experience. However, premiums rise again around age 70 as certain age-related factors may affect driving capabilities.Average car insurance cost in Missouri for young driversIn Missouri, female young drivers typically pay an average annual car insurance cost of $2,961 and $247 per month.Conversely, male young drivers pay an average annual rate of $3,321, or $277 per month.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$4,262$3,69021$3,451$3,06322$3,152$2,83823$2,940$2,66924$2,802$2,549Average car insurance cost in Missouri for senior driversIn Missouri, senior female drivers pay an annual car insurance cost of $1,862, equating to $155 per month. Similarly, male senior drivers face an average yearly expense of $1,912, or $159 per month.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,784$1,76770$1,884$1,83975$2,067$1,981Read more about senior car insurance.Minimum 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 is most affordable average annual insurance premium, standing at $1,790, with the Ford Maverick trailing closely behind at $1,802. The annual difference in insurance costs between these two models amounts to $12.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 most expensive car to insure on the list is the Land Rover Range Rover P530 Autobiography, which has an average annual premium of $8,432. 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. Our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. 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 of 100/300/100. The quoted insurance rates are for comparison purposes, and your rates may vary.How 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. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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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