Car Insurance in Missouri

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Looking for cheap car insurance in Missouri?

Missouri’s minimum state insurance requirements are about average and about 16% of licensed drivers hit the road without the required insurance, but a competitive market for car insurance helps keep insurance premiums below the national average.
Where you live is only one of the many factors that insurers consider when setting your insurance premium. And whether you’re in St. Louis, Kansas City, or somewhere a little more remote, comparing rates between providers can help you find the best deal.
Jerry can help you comparison shop for a new policy quickly and without any hassles. And as a licensed broker, Jerry will handle the switchover from start to finish so that all you have to think about is what you’re going to do with the savings!
We know it’s hard to believe, but here are some amazing quotes from real Jerry customers in Missouri as proof:
Quote DateCarCityNameAgeCarrier
Before Jerry
After Jerry
May 4, 2022Mazda 3 TouringSpringfieldNorman C.36Clearcover$177/mo.$80/mo.
April 27, 2022Ford Taurus SELSaint-LouisHester T.53Progressive$163/mo.$83/mo.
April 29, 2022Honda Accord SportBallwinGary H.28Progressive$300/mo.$110/mo.
May 7, 2022Mazda 6 Grand Touring ReserveColumbiaRonald B.25Safeco$150/mo.$123/mo.
May 17, 2022Hyundai Elantra SEPortagevilleSophie P.23Progressive$184/mo.$125/mo.
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How much does car insurance cost in Missouri?

The average cost of basic liability car insurance in Missouri is $1,690 per year. Opting for full coverage car insurance in Missouri will leave you with an average cost of $1,951 per year.

How does the annual cost in Missouri compare to the rest of the country?

In comparison, the national average is $1,626 per year to buy basic liability car insurance and $2,298 per year to buy full-coverage car insurance.
While insurance isn’t that expensive in Missouri, a couple of factors tend to drive rates up:
  • About 16% of Missouri drivers don’t have the required minimum insurance, which affects the rates for those who are insured
  • Severe weather causes insurers to pay out for comprehensive claims and rates rise accordingly
Here’s how the insurance savings with Jerry in Missouri compare to nationwide averages:
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
MO$2,306$1,512$1,671$1,058$2,301$1,703
National Average$2,436$1,660$2,296$1,376$2,654$1,962
MONational Average
All Coverage Before Jerry
$2,306$2,436
All Coverage After Jerry
$1,512$1,660
Minimum Coverage Before Jerry
$1,671$2,296
Minimum Coverage After Jerry
$1,058$1,376
Full Coverage Before Jerry
$2,301$2,654
Full Coverage After Jerry
$1,703$1,962
Use Jerry to compare the insurance prices of up to 50+ carriers in only 45 secondsFind savings now

Top auto insurance providers in Missouri

Missouri has a competitive insurance sector with plenty of insurance companies at the ready to insure drivers. While USAA, State Farm, and Progressive are some of the most popular choices, finding the right one for you can take some time.
Each insurance company sets its premiums based on a proprietary formula. This means that if you get rates from five different insurers, you’ll likely end up with five completely different premiums—even for the same coverage.
Factors like your age, driving record, location, and—you guessed it—your vehicle all impact your final insurance rate. If you drive a BMW 3-series, for example, you’ll pay more for full-coverage insurance than you would for a Mazda 3 because expensive cars cost more to insure.
Check out some of the great prices that Jerry customers have found with various insurance companies in Missouri:
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What car insurance do you need in Missouri

Almost every state has minimum insurance requirements that you must meet before you can legally drive. In Missouri, you need at least the following:
CoverageAmountDescription
Bodily injury liability$25,000 per person / $50,000 per accidentCovers the costs associated with injuries you cause to others
Property damage liability$10,000 per accidentCovers the costs associated with damage you cause to other people’s vehicles or property
Uninsured motorist coverage$25,000 per person / $50,000 per accidentReimburses you for your expenses from an accident caused by an uninsured driver
Driving without at least these minimums could get you in some serious trouble. The penalties are as follows:
  • Fine of up to $300
  • Up to 15 days in jail
  • Up to 4 points on your license
  • Driver’s license suspension
  • Financial liability in the event of an accident
But even the state-mandated minimums aren’t sufficient to fully protect you and your vehicle in case of an accident. It’s usually a good idea to purchase as much insurance as you can afford. Here are some great options:
CoverageDescription
Collision insuranceCovers damages that are the result of a collision with a vehicle or stationary object
Comprehensive insuranceCovers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster
Personal injury protectionCovers medical expenses, lost wages, and rehabilitation costs after an accident
Rental reimbursementReimburses you for your rental car expenses while your car is being repaired after a claimable accident
When you’re ready to purchase a new policy, Jerry can help.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. Jerry compiles quotes from top insurers like Nationwide and Travelers, helps you with the switch from start to finish, and even monitors rates before renewal so that you’re always getting the best price.
The average Jerry customer saves $879 per year!
Now that you know what type of insurance you need, let’s break down the factors that impact the cost.

How is your cost of car insurance determined in Missouri?

Your age, driving record, location, and vehicle all have a significant impact on your final insurance premium.

Cost to insure your car in Missouri by age

Your age gives insurance companies a good indication of your experience on the road. And since young drivers are inexperienced and tend to be involved in (many) more accidents than older drivers, insurance rates are typically very high.
What young drivers in Missouri need to know
  • Missouri has a graduated licensing law that helps drivers 15 to 18 ease into being a licensed driver
  • Defensive driving courses can help young drivers develop safe habits and secure lower insurance rates
  • Maintaining a good grade average can qualify student drivers for a good student discount
If you’re a young driver, don’t despair. While you’re unlikely to get the same low rates that your parents enjoy, shopping around and maintaining a clean driving record can help you find good deals.
No matter your age, comparison shopping with Jerry is the best place to start. Here are the average rates for drivers by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$2,797$928
21-24$2,491$910
25-34$2,392$934
35-44$2,297$846
45-54$2,362$874
55-64$2,160$850
65+$2,170$826
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Cost to insure your car in Missouri with a poor driving record

Your driving record is what helps insurance companies understand how much of a risk you are to file claims. If your record shows things like accidents, speeding tickets, and serious offenses like DUIs or reckless driving convictions, you’re going to be paying high Missouri car insurance rates.
Points stay on your record for three years, so your higher-than-average rates will last at least that long.
So, can you save money on car insurance if you have driving violations? Yes! And comparing rates with Jerry is the best way to do it.
Here are some of the savings we found for customers with spotty driving records:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,494$837
Vehicle Theft$3,552$1,734
Careless Driving$3,696$1,705
Cell Phone$4,200$1,486
Racing/Drag Racing$1,944$1,204
Driving on Sus. License$2,920$1,086
Improper Passing$3,159$1,030
Speeding under 15$2,853$999
DUI$2,282$997
Failure to Obey Traffic Sign$2,666$938
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Cost to insure your car in Missouri based on where you live

Of the 6.1 million people who call Missouri home, almost 4.3 million are licensed drivers. That’s a lot of cars on the road!
That said, the part of the state you live in matters. Drivers in cities tend to pay more than those in rural areas since urban centers have higher rates of accidents, thefts, and claims. So if you live in a city center like St. Louis or Kansas City, you’ll pay more for your insurance than if you lived in, say, the Ozarks.
Check out the top 10 cheapest cities for car insurance in Mississippi:
City
Average Cost
Annual Savings with Jerry
Columbia$2,311$835
Florissant$2,745$950
Independence$2,428$880
Kansas City$2,439$927
Maryville$1,924$772
Rolla$2,273$860
Saint Ann$2,702$810
Saint Louis$2,582$931
Springfield$2,181$828
Wentzville$2,395$805
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Cost to insure your car in Missouri based on the type of car you drive

As you might expect, the car you drive also impacts your insurance rate. If your ride is something like a Hyundai Elantra or Nissan Sentra, you can expect fairly low annual premiums.
Generally speaking, relatively inexpensive cars come with lower insurance premiums because they cost less to repair or replace if you’re in an accident. And driving less will save you even more since you’re at less risk for an accident.
On the other hand, if you’re looking to insure your Jeep Wrangler, you can expect to pay a little more.
Here’s what it costs to insure some popular makes and models with and without Jerry:
Car
Average Cost
Annual Savings with Jerry
Hyundai Sonata SE$2,456$1,673
Ford Fusion SE$2,408$1,514
Nissan Altima 2.5$2,312$1,421
Chevrolet Equinox LT$2,034$1,227
Kia Forte LX$2,825$1,211
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How to save money on car insurance in Missouri

While car insurance in Missouri is already quite affordable, finding additional savings is always a bonus. Here’s how you can do it.

Shop around for quotes

Comparison shopping is the number one way to find lower rates on your car insurance. But between completing long forms and dodging sales calls, it isn’t always a walk in the park.
That’s why you should let Jerry handle it all for you.
Jerry is the super app that helps you save time and money on your car expenses, including insurance. All you need to do is sign up and answer a few simple questions. Then, Jerry compiles competitive quotes from 50+ insurers, handles the switchover, and even monitors rates to ensure you’re always getting the best price.
The average Jerry customer saves $879 per year!

Look for discounts

Almost all insurance companies offer discounts—and many let you stack them for even better savings! Here are some of the most popular discounts for drivers in Missouri.
DiscountWho is eligible?
Good driver discountsGood driver discounts are for Texas drivers who have had a valid driver’s license for the past three consecutive years, have no more than one point on their driving record, and have no serious driving-related convictions. This discount is mandated by state law and saves drivers 20% on their car insurance premium.
Bundling discountsInsuring multiple products (like auto and home) with the same company is an easy way to get a bundling discount, which can result in savings of around 18%.
Defensive driver discountsMost insurance companies offer discounts to drivers who complete a state-approved defensive driving course. This can be particularly helpful for young drivers who typically face high premiums.
Payment and billing discountsPolicyholders who pay their premium in full, set up automatic payments, or sign up for paperless billing may be eligible for a discount of up to 25% on their annual premium.
Good student discountsGood student discounts can help reduce insurance premiums for young drivers, who typically have sky-high rates until they turn 25. Full-time students who maintain a B average may qualify for savings up to 25% through their insurer.
Continuous coverage discountsMany insurance companies offer discounted rates—often 5% to 25%—to policyholders who have been continuously insured for 6 months or more.
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Increase your deductible

Increasing your deductible—the amount you have to pay for a claim before your insurance company starts covering costs—will decrease your insurance premium. But it’s not always the right move, so you have to be prudent.
Make sure that you can afford to pay the deductible in full each time you have to make a claim. If not, you could find yourself in a tough financial situation.

Registering your car in Missouri

To register a car in Missouri, bring the following to your local DMV:
  • Valid driver’s license or ID card
  • Proof of insurance
  • Proof of sales tax payment
  • Car title or signed lease agreement
  • Smog test certificate, if applicable
In Missouri, you must renew your vehicle registration annually. You can do this by phone, by mail, online, or in person.

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