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The average cost of basic liability car insurance in Missouri is $1,974 per year. Opting for full-coverage car insurance in Missouri will leave you with an average cost of $2,326 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
The average cost of basic liability car insurance in Missouri is $1,974 per year. Opting for full-coverage car insurance in Missouri will leave you with an average cost of $2,326 per year. In comparison, the national average is $1,627 per year to buy basic liability car insurance and $2,297 per year to buy full-coverage car insurance.
Compare best car insurance quotes in Missouri
Your car insurance rates could be dramatically different based on your zip code, age, driving history, and other factors. This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy.
Here are some real quotes and savings from customers in Missouri who switched with Jerry:
| Quote Date | Car | Before Jerry | After Jerry | City | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|
| March 14, 2023 | Kia Optima SX | $159/mo. | $67/mo. | Lake Saint Louis | Hunter C. | 29 | Progressive |
| March 13, 2023 | Nissan Rogue S | $180/mo. | $76/mo. | Saint Louis | Della E. | 42 | Progressive |
| March 8, 2023 | Nissan Rogue Select S | $100/mo. | $96/mo. | University City | Mathilda M. | 27 | Progressive |
| March 6, 2023 | Chevrolet Cobalt Ss | $140/mo. | $117/mo. | Ozark | Jeremiah H. | 27 | Progressive |
| March 5, 2023 | Buick Encore | $308/mo. | $299/mo. | Saint Louis | Hannah M. | 34 | Progressive |
Best car insurance companies in Missouri
The best auto insurance company in Missouri is different for every driver. That’s because every insurance provider uses a different methodology to set premiums based on a wide range of factors, from profession to credit score to driving history.
For example, if you or an immediate family member are military members, you might find the best rate with USAA. Poor credit? Progressive likely has your best rate. But maybe Allstate or State Farm can find you better coverage at a rate you still like.
Young drivers can usually find great rates with GEICO, but families adding a teen driver to their policy get the lowest average car insurance quotes from Nationwide.
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Clearcover | $2,569 | $909 | |
| Dairyland | $3,473 | $878 | |
| Allstate | $2,612 | $866 | |
| Progressive | $2,471 | $796 | |
| Safeco | $2,579 | $773 | |
| Travelers | $2,538 | $741 | |
| Nationwide | $2,341 | $648 | |
| Kemper | $2,519 | $627 | |
| State Auto | $2,408 | $608 | |
| National General | $1,320 | $572 | |
| Compare Prices | |||
Missouri car insurance FAQs
What is a normal amount to pay for insurance?
On average, drivers in Missouri pay anywhere from $1,600 to $2,100 per year for full coverage car insurance.
How much is a ticket for no insurance in Missouri?
The first time you’re caught driving without Missouri’s minimum insurance requirements, you typically won’t be charged a fine. However you will have your license, registration, and license plates suspended until you acquire insurance, and you’ll be charged a $20 reinstatement fee.
The second time you’re caught, you’ll face up to $500 in fines and a $200 reinstatement fee. Each subsequent offense costs you as much as $500 in fines with a $400 reinstatement fee. Aside from fines and suspensions, you’ll also get four points on your driving record per offense.
How much does liability insurance cost in Missouri?
Basic liability insurance in Missouri costs an average of $535a year.
To meet state requirements, you will need to include $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $10,000 of property damage liability per accident.
Missouri also requires you to have uninsured/underinsured motorist coverage of $25,000/$50,000 per person/accident.
Do you need to insure the car or the driver in Missouri?
In Missouri, the minimum required coverages generally insure the car rather than the driver. The state mandates that you carry liability and uninsured/underinsured motorist coverages—in the event of an accident, both of these follow the vehicle in terms of damages. Common “driver-centric” coverages include personal injury protection (PIP) and MedPay, but neither of these are required in Missouri.
Is car insurance cheaper with a cheaper car?
Not necessarily. Though it may seem logical that cheaper cars have cheaper car insurance, some of them actually have insurance rates on par with higher-end vehicles. Why? A lack of modern safety features and less structural sturdiness can lead to higher risks of injuries and damage, while the model itself may have a higher-than-average history of claims. Insurers can deem a cheaper car “high-risk” because of this, which leads to higher premiums.
How much does car insurance cost in Missouri?
The average cost of auto insurance in Missouri is less than the national average, but a couple of factors tend to drive up car insurance premiums in the Show-Me State.
First of all, Missouri ranked 12th in the nation for uninsured drivers in 2019 according to data from the Insurance Information Institute. About 16.4% of Missouri drivers don’t carry the minimum coverage required by state law, which makes even basic coverage more expensive for everyone else.
Missouri also ranks in the top 10 states for most tornadoes every year. If you’ve ever been at the mercy of one of Missouri’s twisters, you know exactly how much damage they can do to cars—which generates tons of insurance claims and drives prices up.
But tornadoes and uninsured motorists shouldn’t keep you from finding affordable coverage in Missouri.
Missouri car insurance requirements
Liability insurance is the only coverage required by law, along with minimum amounts of uninsured motorist bodily injury coverage. You need at least $25,000 per person / $50,000 per accident in bodily injury liability, $10,000 per accident in property damage liability, and $25,000 per person / $50,000 per accident in uninsured motorist coverage.
How much insurance do I need in Missouri?
Missouri requires $25,000 per person for bodily injury liability, $50,000 of bodily injury liability per accident, and $10,000 of property damage liability per accident. Missouri drivers must also carry uninsured/underinsured motorist coverage at rates of $25,000 per person and $50,000 per accident.
What do you need if you’re pulled over?
If you get pulled over, you are required to show your driver’s license, proof of insurance, and registration. Thankfully, digital insurance ID cards are accepted by police and the DMV so you will always have your stored proof of insurance available 24/7 in the Jerry app.
Is Missouri a no-fault state?
No, Missouri is an at-fault state. This means the at-fault driver’s insurance will pay for the not-at-fault driver’s and passengers' injuries, once the at-fault driver’s insurance company accepts liability and confirms that there is enough coverage.
State minimum coverage will protect your wallet in the event of an at-fault accident, and you’ll also be able to file a claim for medical expenses if you’re injured in a crash with an uninsured driver. But unless you buy additional coverage, you won’t be able to file any claims for damage to your own car—period.
That’s why collision insurance and comprehensive coverage are such a big deal. If you add these to your policy, you’ll be able to file claims for vehicle damage caused by car accidents (collision insurance) and severe weather, vandalism, floods, and theft (comprehensive insurance).
Want to know how much full coverage could add to your Missouri insurance costs, on average? Take a look at the graph below.
Cheapest car insurance with a DUI or speeding ticket in Missouri
Any traffic violation, from a minor speeding ticket to a major DUI or reckless driving charge, can increase your insurance premium. Safe drivers pay the lowest insurance rates; high-risk drivers can expect premiums well above the state average.
In Missouri, violation points stay on your driving record for three years, so it’s important to shop around for a lower rate if you’ve got points. Jerry can help with that. We’re not here to judge you on your driving—we’re just here to save you money.
Here’s just a sample of the savings that Jerry customers with spotty driving records have found:
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,094 | $687 |
| Vehicle Theft | $3,019 | $1,474 |
| Careless Driving | $3,010 | $1,307 |
| Cell Phone | $3,570 | $1,263 |
| DUI | $2,308 | $994 |
| Driving on Sus. License | $2,462 | $939 |
| Speeding under 15 | $2,405 | $806 |
| Failure to Obey Traffic Sign | $2,203 | $785 |
| Suspension | $2,184 | $771 |
| Improper Passing | $2,525 | $756 |
Insurance Cost With a DUI in Missouri
If you get a DUI in Missouri, you can expect your car insurance to increase by an average of $33.83 per month.
Read Missouri DUI Information:
Insurance Cost With a Reckless Driving Citation in Missouri
If you have a reckless driving citation, you should expect your insurance to increase to an average of $67.8 per month.
Read More
Missouri car insurance rates by age
Another important category of high-risk drivers is teenagers. Teen drivers consistently pay above-average premiums, and because Missouri ranks 45th in the nation for teen driver safety, young drivers here can expect extra-high rates.
That might feel like discrimination, but it’s actually a result of something even grimmer: statistics. Drivers under 25—and especially anyone aged 16 to 18 years old—have statistically higher rates of car accidents, violations, and fatalities. Any policy that includes a young driver carries the burden of that risk.
How can young drivers save money on car insurance in Missouri?
- Pay off your credit cards:Good credit can put you in a better position to find affordable quotes.
- Study hard, pay less: Many companies offer a good student discount for full-time students with a B average or better.
- Play it safe: A clean driving record can earn you a safe driver discount.
- Pay off your credit cards:Good credit can put you in a better position to find affordable quotes.
- Study hard, pay less: Many companies offer a good student discount for full-time students with a B average or better.
- Play it safe: A clean driving record can earn you a safe driver discount.
Missouri auto insurance rates by city
Where you live in Missouri helps to determine your auto insurance costs. For instance, cities tend to have higher rates due to the greater likelihood of accidents, thefts, and claims.
Let’s take Columbia, Missouri as an example. It’s Missouri’s fourth-largest city, but also its fastest-growing. While Columbia’s crime rate is lower than St. Louis or Kansas City, its rapidly increasing density makes for lots of accidents—and the University of Missouri, located in town, brings tons of high-risk young drivers to the area. As a result, Columbia car insurance costs are higher than costs in the nearby state capital of Jefferson City!
Use the table below to compare St. Louis car insurance costs to Kansas City car insurance costs and more.
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Columbia | $2,029 | $730 |
| Florissant | $2,279 | $771 |
| Independence | $2,076 | $764 |
| Joplin | $2,030 | $755 |
| Kansas City | $2,040 | $768 |
| Lees Summit | $2,086 | $805 |
| Saint Charles | $2,174 | $859 |
| Saint Joseph | $1,928 | $699 |
| Saint Louis | $2,179 | $779 |
| Springfield | $1,895 | $720 |
Least Expensive Cities in Missouri
Drivers in Jefferson City can get the cheapest insurance rates in Missouri, with the capital city’s annual insurance rate averaging $749.
City With Highest Rates of Accidents in Missouri
12.99% of drivers in Columbia have an at-fault accident on their record, making Columbia’s drivers the riskiest in the state—which will affect premiums.
Read Missouri Accident Information:
Cities With the Longest Commute Times in Missouri
With an average commute of 34.7 minutes, the city of Plattsburg has the longest commute in Missouri. Drivers in Plattsburg will have to share the road and increase their mileage, which will increase their premiums.
Read Commuting Insurance Information:
Cost to insure your car in Missouri
Car insurance premiums don’t just depend on your driving history and where you live—what you drive matters, too! In general, popular and affordable cars have lower insurance costs because you’ll pay less to repair them.
If you drive a basic sedan or SUV, you can expect fairly cheap annual premiums. Honda Civic insurance costs, for example, are reasonably low, as are Toyota RAV4 insurance costs. But any car with expensive parts, a large engine, or a reputation for risky driving like speeding or off-roading tends to carry a higher insurance rate. Jeep Wrangler Unlimited Sahara insurance costs have to account for the risks associated with the Jeep life.
Take a look at the features below to see where your vehicle puts you.
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Chevrolet Traverse LS | $1,892 | $865 |
| Ford Fusion SE | $2,177 | $802 |
| Kia Forte LX | $2,518 | $793 |
| Nissan Altima 2.5 | $2,093 | $710 |
| Toyota Corolla L | $1,964 | $641 |
Most Popular Car in Missouri
The most popular vehicle in Missouri is the Chevrolet Silverado 1500. Chevy 1500 owners pay around $1,510 annually in car insurance costs. To lower your car insurance, find the most affordable rates with free quote comparison services like Jerry.
What are the car insurance requirements in Missouri?
Most states have minimum insurance requirements that you must meet to hit the road.
Meeting Missouri’s legal insurance requirements is just the beginning. While you’ll be legally safe to drive, you’re exposing yourself to a significant financial risk if you drive without additional coverage.
For example, if an underinsured driver crashes into your car, a liability claim with their insurance company might not cover the bulk of your repair costs. Or, if your car’s damaged by anything other than an accident, you won’t have any coverage at all.
It’s generally a good idea to go beyond minimum coverage limits and purchase a full-coverage auto insurance policy—if you can afford it. And you might be surprised: many Jerry users are able to lower their coverage costs enough to purchase the full-coverage policy they need.
Here are some risk factors that affect Missouri drivers, along with the coverages that can help address them:
Interstate travel in Missouri has risen over the past few years, and traffic congestion is also a concern in busy areas like KC and St. Louis. Busier roads means a higher chance of collision, so Missouri drivers should consider collision coverage.
Read more about Missouri Traffic:
24,189 vehicles were stolen in Missouri in 2020, and the state ranks 7th in the U.S. for vehicle theft. Comprehensive coverage will financially protect car owners from theft and other non-collision damages.
Mandatory Insurance: Uninsured/underinsured motorist coverage Missouri
Missouri requires drivers to carry uninsured motorist coverage. If you live in Missouri, your policy should include uninsured motorist coverage, covering $25,000 per person and $50,000 per accident. With 16.40% of Missouri drivers lacking insurance, this coverage can come in handy.
Read information about uninsured drivers:
Missouri drivers rate their road quality at 5.16/10. Between poor road conditions and large rural areas, drivers should get roadside assistance to ensure they won’t end up stranded in the middle of nowhere due to a flat tire.
How to lower car insurance costs in Missouri
While the stage average cost of car insurance in Missouri is fairly low, you might be overpaying for coverage. Here’s how to find out—and lower your costs.
Shop around for quotes
Comparing quotes is the best way to figure out if you’re paying the right rate for the insurance you need. Using a broker or an insurance comparison app like Jerry makes that process efficient, safe, and trustworthy. Generally, you should aim to compare rates from at least three insurers before settling on a plan.
Look for discounts
If you’re looking to save even more on coverage, try looking for discounts offered by your insurance company. Every company has them, but they won’t always advertise them—and stacking discounts can win you some serious cash!
Here are some discounts to look out for in Missouri:
Clean Driving Record Discounts
Clean Driving Record Discounts
Drivers with low claim rates and clean driving records save insurers a lot of money, so insurance carriers are willing to offer them a discount to share the savings.
Bundling Discounts
Bundling Discounts
Drivers who bundle their home and auto can qualify for a bundling discount with most insurance carriers.
Continuously Insured Discount
Continuously Insured Discount
Drivers who stay continuously insured for at least six months and longer are less likely to lapse on their insurance, and they tend to be safer drivers, too. Stay insured and you could qualify for a discount.
Increase your deductible
Increasing your deductible—the amount you pay before insurance—is another way to keep monthly premiums low.
A higher deductible would mean that you’d pay more out of pocket if you make a claim, but you could save money if you don’t think that’s likely. That said, it’s important to make sure that you can afford to pay the full deductible each time you would need to file.
By R.E. Fulton
Updated on Mar 23, 2023
Reviewed by Kathleen Flear, Director of Content.
Compare best car insurance quotes in Missouri
Best car insurance companies in Missouri
Missouri car insurance FAQs
How much does car insurance cost in Missouri?
Missouri car insurance requirements
Cheapest car insurance with a DUI or speeding ticket in Missouri
Missouri car insurance rates by age
Missouri auto insurance rates by city
Cost to insure your car in Missouri
What are the car insurance requirements in Missouri?
How to lower car insurance costs in Missouri
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