Average Cost of Car Insurance in Missouri for 2023

The Show Me State has a very low cost of living, but Missouri residents typically have to pay high premiums for car insurance. In fact, the average cost of full coverage car insurance in Missouri is $1,901, compared to a national average of $1,582.

Several factors affect your rates, and luckily, there are some ways for Missouri drivers to save money on their car insurance.

Key takeaways

• The average cost of car insurance in Missouri is $1,901 per year for full coverage.
• State-minimum liability policies average $657 per year.
• Teen drivers pay $4,413 per year for full coverage on average.

How much does car insurance cost in Missouri?

The average cost of car insurance in Missouri is $1,901 per year for full coverage policies that include collision, comprehensive, and liability insurance. That cost compares to a national average of $1,582.

Why is insurance so expensive in Missouri? Two main factors affect rates in the state:

• It has a high rate of uninsured drivers: According to the Insurance Research Council, 16.4% of drivers in Missouri are uninsured, so insurance rates are higher to offset the added risk. Plus, the state requires drivers to have uninsured motorist insurance, an additional cost.
• Missouri drivers have higher mileage: Drivers in Missouri tend to drive more miles than other drivers; more time on the road means an increased risk of accidents, so insurers charge higher premiums for those with higher mileage.

Avg. cost for full coverage	Avg. cost for minimum coverage	Cheapest insurance provider
$1,901/year	$657/year	USAA

Avg. for young drivers	Avg. cost for seniors	Avg. for high-risk drivers
$3,975/year	$1,817/year	$2,392/year

Average cost of car insurance in Missouri by provider

Comparing quotes from multiple insurers is a smart move, as premiums can vary significantly, and you may be able to get much cheaper coverage from another insurer. In Missouri, we found that USAA offers the cheapest average premiums for both full and state minimum coverage, followed by State Farm.

Provider	Full coverage	Minimum liability coverage
American Family	$1,375/year	$602/year
Allstate	$1,643/year	$764/year
Progressive	$1,993/year	$586/year
GEICO	$2,086/year	$786/year
State Farm	$1,136/year	$429/year
USAA	$704/year	$215/year

How does credit score affect car insurance rates in Missouri?

Can insurance companies are able to use drivers’ credit histories when setting policy rates in Missouri. If you have poor credit, you’ll typically pay much more for insurance than those with good to excellent credit.

For example, the average premium for those with credit scores between 550 and 649 is $3,130 — more than the average for those with credit scores of 750 or higher.

Credit health	Avg. annual premium
Poor (550-649)	$3,130/year
Average (650-699)	$2,247/year
Good (700-749)	$1,864/year
Excellent (750+)	$1,635/year

Average car insurance rates for high-risk drivers in Missouri

Driving infractions can hurt you financially by causing your premiums to increase. Depending on the type of violation, the increases can be substantial.

In Missouri, a driving under the influence (DUI) conviction can raise premiums by an average of $796 per year. A single speeding ticket can increase yearly premiums by $335.

Violation	Avg. annual premium before violation*	Avg. annual premium after violation	Avg. cost increase
At-fault accident	$1,901/year	$2,561/year	$660
DUI	$1,901/year	$2,697/year	$796
Speeding ticket	$1,901/year	$2,236/year	$335

*Assumes clean driving record with good credit

How does age affect car insurance rates in Missouri?

Like other states, Missouri car insurance companies assign teens the highest rates. The average premium for 18-year-olds is $4,413 per year, more than the rate of those in their late 20s or 30s.

Rates decline as drivers age, with drivers in their 60s paying an average of $1,647 per year.

Age	Avg. annual premium
18	$4,413/year
25	$1,952/year
30	$1,729/year
40	$1,699/year
60	$1,647/year

Missouri car insurance rates by city

Areas with high crime rates tend to have the highest car insurance premiums. In Missouri, St. Louis has the highest average premium. That’s unsurprising considering that NeighborhoodScout gave St. Louis a crime rating of one, meaning 99% of cities in the U.S. are safer.

City	Avg. annual full-coverage premium
Ballwin	$2,340/year
St. Louis	$2,763/year
Springfield	$1,791/year
Blue Springs	$2,128/year
Cape Girardeau	$1,971/year
Kansas City	$2,180/year

MO’s minimum car insurance requirements

Missouri drivers must have car insurance policies that meet the following minimums:

• $25,000 for bodily injury insurance for one person
• $50,000 for bodily injury insurance for two or more people
• $25,000 for property damage insurance
• Uninsured motorist protection with $25,000 of bodily injury insurance for one person and $50,000 of bodily injury protection for two or more people

How to save money on car insurance in Missouri

To save money on your car insurance, take the following steps:

• Talk to your agent: Ask your agent about ways to lower your premiums. Your agent may know about discount programs you may qualify for, such as discounts for driving fewer-than-average miles, bundling policies with other types of coverage, or signing up for paperless billing.
• Take a safe driver course: In Missouri, drivers that are 55 or older can complete an eligible safe driver course and qualify for a discount on their premiums.
• Enroll in usage-based insurance: Usage-based insurance, also known as pay-per-mile coverage, sets your rates based on your driving habits and vehicle use. Safe drivers or those that drive fewer-than-average miles can save money. In Missouri, usage-based insurance policies are available from various companies, including Progressive and Allstate.
• Shop around: Because premiums can vary so much between companies, it’s a good idea to shop around and request quotes from the best car insurance companies to find coverage at a low rate.

FAQs about car insurance costs in MO