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Average cost of car insurance in Missouri in 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Missouri?
Missouri drivers pay average rates for coverage that are typically higher than national averages. While on the national level, drivers pay an average of $2,458 for full coverage and $678 for state-mandated minimum coverage, the averages in Missouri are $3,236 for full and $878 for minimum. It's worth noting that your own rates are likely to vary based on a number of factors, including your driving record, ZIP code, age and gender, as well as your vehicle's age, make and model. Bankrate's insurance editorial team researched the data to help you make the best decision for your own coverage. By comparing quotes and taking advantage of discounts, you can find the most affordable coverage for your needs.
Key takeaways
- On average, Missouri drivers pay 32 percent more than the national average cost of full coverage car insurance and 30 percent more than the national average for minimum coverage.
- The average monthly cost of car insurance in Missouri is $270 for full coverage and $73 for state-mandated minimum coverage.
- 18-year-old males on their own policy have the highest average car insurance premium of any segment we analyzed at $7,618 per year for full coverage.
- A DUI conviction in Missouri raises average full coverage car insurance premiums by 44 percent more.
- Drivers with poor credit pay over 47 percent more per year for full coverage in Missouri than drivers with excellent credit.
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Missouri car insurance rates by city
The average car insurance cost in Missouri varies between cities due to differing claim statistics and costs of living. In more urban areas, like Kansas City and St. Louis, for example, it’s likely that there are more vehicles on the road, which increases the risk of an accident and, thus, insurance rates. Areas with fewer vehicles or a lower cost of living (which translates to cheaper claims) will generally see lower average rates.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
City | Avg. monthly full coverage premium | Avg. annual full coverage premium | Avg. savings vs. state average |
---|---|---|---|
Pacific | $225 | $2,700 | -18% |
Union | $289 | $3,469 | +7% |
Valles Mines | $279 | $3,345 | +3% |
Saint Louis | $260 | $3,122 | -4% |
Gibbs | $329 | $3,953 | +20% |
Curryville | $317 | $3,801 | +16% |
Richwoods | $227 | $2,724 | -17% |
Saint Clair | $227 | $2,720 | -17% |
Bevier | $309 | $3,703 | +13% |
Rosebud | $331 | $3,975 | +20% |
Saint Patrick | $327 | $3,923 | +19% |
Edina | $298 | $3,580 | +10% |
Augusta | $210 | $2,517 | -25% |
Clarksville | $267 | $3,205 | -1% |
Pilot Knob | $286 | $3,437 | +6% |
Cape Girardeau | $269 | $3,233 | -0% |
Advance | $303 | $3,636 | +12% |
Delta | $267 | $3,206 | -1% |
Oak Ridge | $271 | $3,246 | +0% |
Perryville | $255 | $3,055 | -6% |
Anniston | $267 | $3,199 | -1% |
Arbyrd | $266 | $3,190 | -1% |
Bragg City | $323 | $3,873 | +18% |
Saint Charles | $222 | $2,659 | -20% |
Fenton | $287 | $3,439 | +6% |
Taylor | $322 | $3,863 | +18% |
Florissant | $256 | $3,076 | -5% |
New Haven | $287 | $3,447 | +6% |
Saint Albans | $229 | $2,750 | -16% |
Perry | $311 | $3,731 | +14% |
Elmer | $327 | $3,918 | +19% |
Gorin | $333 | $3,993 | +21% |
Bowling Green | $260 | $3,120 | -4% |
Wyaconda | $314 | $3,772 | +15% |
Kirksville | $255 | $3,055 | -6% |
Baring | $331 | $3,973 | +20% |
Berger | $293 | $3,517 | +8% |
Eureka | $207 | $2,479 | -26% |
Kansas City | $256 | $3,077 | -5% |
Vandalia | $300 | $3,599 | +11% |
Wentzville | $265 | $3,181 | -2% |
Arbela | $317 | $3,807 | +16% |
Emden | $328 | $3,932 | +19% |
La Belle | $319 | $3,832 | +17% |
Luray | $327 | $3,923 | +19% |
Newark | $331 | $3,970 | +20% |
Alba | $320 | $3,838 | +17% |
Neosho | $259 | $3,104 | -4% |
Bonnots Mill | $318 | $3,814 | +16% |
Centertown | $310 | $3,726 | +14% |
Clarksburg | $351 | $4,215 | +26% |
Owensville | $326 | $3,910 | +19% |
Hawk Point | $284 | $3,410 | +5% |
Laddonia | $303 | $3,635 | +12% |
Old Monroe | $218 | $2,617 | -21% |
Truxton | $289 | $3,471 | +7% |
Whiteside | $285 | $3,415 | +5% |
Hannibal | $257 | $3,081 | -5% |
Kearney | $272 | $3,259 | +1% |
Napoleon | $272 | $3,260 | +1% |
Oak Grove | $204 | $2,449 | -28% |
Orrick | $268 | $3,219 | -1% |
Raymore | $305 | $3,664 | +12% |
Richmond | $266 | $3,190 | -1% |
Smithville | $266 | $3,193 | -1% |
Cainsville | $316 | $3,794 | +16% |
Dawn | $267 | $3,204 | -1% |
Foster | $321 | $3,857 | +18% |
Milford | $326 | $3,909 | +19% |
Nevada | $349 | $4,188 | +26% |
Troy | $279 | $3,343 | +3% |
Warrenton | $264 | $3,172 | -2% |
Winfield | $290 | $3,479 | +7% |
Center | $321 | $3,851 | +17% |
Durham | $326 | $3,910 | +19% |
Agency | $300 | $3,601 | +11% |
Allendale | $326 | $3,917 | +19% |
Amity | $325 | $3,902 | +19% |
Fairfax | $327 | $3,923 | +19% |
King City | $325 | $3,906 | +19% |
Plattsburg | $273 | $3,281 | +1% |
Rosendale | $328 | $3,935 | +19% |
Saint Joseph | $243 | $2,920 | -10% |
East Prairie | $268 | $3,218 | -1% |
Hornersville | $264 | $3,168 | -2% |
Marston | $319 | $3,831 | +17% |
Rives | $266 | $3,189 | -1% |
Briar | $280 | $3,357 | +4% |
Lodi | $283 | $3,401 | +5% |
Oxly | $281 | $3,376 | +4% |
Puxico | $260 | $3,118 | -4% |
Qulin | $273 | $3,281 | +1% |
Holt | $273 | $3,277 | +1% |
Ethel | $328 | $3,934 | +19% |
Dearborn | $265 | $3,177 | -2% |
Canalou | $323 | $3,876 | +18% |
Gibson | $266 | $3,189 | -1% |
Risco | $323 | $3,875 | +18% |
Lowndes | $290 | $3,484 | +7% |
Neelyville | $276 | $3,312 | +2% |
Silva | $281 | $3,371 | +4% |
Wappapello | $287 | $3,450 | +6% |
Belton | $266 | $3,191 | -1% |
Blue Springs | $202 | $2,427 | -29% |
Buckner | $280 | $3,355 | +4% |
Corder | $319 | $3,828 | +17% |
Charleston | $263 | $3,157 | -2% |
Holcomb | $261 | $3,137 | -3% |
Portageville | $320 | $3,843 | +17% |
Steele | $327 | $3,927 | +19% |
Poplar Bluff | $274 | $3,288 | +2% |
Doniphan | $219 | $2,628 | -21% |
Naylor | $282 | $3,388 | +5% |
Grain Valley | $201 | $2,417 | -29% |
Independence | $234 | $2,807 | -14% |
Cardwell | $266 | $3,187 | -2% |
Deering | $328 | $3,934 | +19% |
Lilbourn | $258 | $3,090 | -5% |
Fisk | $280 | $3,363 | +4% |
Harviell | $279 | $3,351 | +3% |
Patterson | $285 | $3,415 | +5% |
Farley | $276 | $3,312 | +2% |
Hardin | $265 | $3,174 | -2% |
Catawissa | $238 | $2,855 | -13% |
Sarcoxie | $310 | $3,723 | +14% |
Wentworth | $335 | $4,019 | +22% |
Brumley | $267 | $3,208 | -1% |
California | $340 | $4,074 | +23% |
Laurie | $302 | $3,625 | +11% |
Holts Summit | $307 | $3,686 | +13% |
Kaiser | $270 | $3,239 | +0% |
Malden | $264 | $3,166 | -2% |
Senath | $263 | $3,161 | -2% |
Rombauer | $276 | $3,307 | +2% |
Henrietta | $264 | $3,169 | -2% |
Chesterfield | $208 | $2,497 | -26% |
Lonedell | $239 | $2,865 | -12% |
Bethany | $306 | $3,673 | +13% |
Blythedale | $327 | $3,921 | +19% |
Craig | $332 | $3,984 | +21% |
Elmo | $325 | $3,901 | +19% |
Fillmore | $293 | $3,511 | +8% |
Hatfield | $326 | $3,910 | +19% |
Mound City | $332 | $3,988 | +21% |
Parnell | $319 | $3,827 | +17% |
Watson | $321 | $3,851 | +17% |
Altamont | $323 | $3,874 | +18% |
Bogard | $296 | $3,557 | +9% |
Barnhart | $222 | $2,659 | -20% |
Festus | $214 | $2,564 | -23% |
Browning | $324 | $3,890 | +18% |
Laclede | $315 | $3,781 | +16% |
Norborne | $323 | $3,877 | +18% |
Wheeling | $324 | $3,885 | +18% |
Drexel | $263 | $3,154 | -3% |
Leeton | $318 | $3,811 | +16% |
Eminence | $281 | $3,373 | +4% |
Eunice | $331 | $3,978 | +21% |
Lenox | $328 | $3,937 | +20% |
Saint Robert | $321 | $3,852 | +17% |
Yukon | $329 | $3,950 | +20% |
Arcola | $276 | $3,307 | +2% |
Bolivar | $263 | $3,151 | -3% |
Elkland | $327 | $3,926 | +19% |
Glencoe | $211 | $2,532 | -24% |
Grubville | $229 | $2,753 | -16% |
Imperial | $221 | $2,652 | -20% |
Granby | $271 | $3,255 | +1% |
Barnett | $325 | $3,899 | +19% |
Chamois | $316 | $3,796 | +16% |
Gravois Mills | $277 | $3,320 | +3% |
Hartsburg | $322 | $3,869 | +18% |
Mount Sterling | $327 | $3,924 | +19% |
Sunrise Beach | $311 | $3,738 | +14% |
Defiance | $208 | $2,493 | -26% |
Dutzow | $337 | $4,045 | +22% |
Annada | $328 | $3,940 | +20% |
Bellflower | $327 | $3,927 | +19% |
Lockwood | $273 | $3,273 | +1% |
Mount Vernon | $269 | $3,225 | -0% |
Pierce City | $270 | $3,239 | +0% |
Pleasant Hope | $304 | $3,648 | +12% |
Ponce De Leon | $259 | $3,103 | -4% |
Powersite | $268 | $3,220 | -0% |
Quincy | $271 | $3,253 | +1% |
Udall | $290 | $3,476 | +7% |
Washburn | $281 | $3,368 | +4% |
Wasola | $288 | $3,460 | +7% |
West Plains | $269 | $3,227 | -0% |
Tina | $324 | $3,887 | +18% |
Butler | $319 | $3,826 | +17% |
Lamar | $346 | $4,157 | +25% |
Richards | $320 | $3,834 | +17% |
Cedar Hill | $224 | $2,691 | -18% |
Hazelwood | $237 | $2,840 | -13% |
Maryland Heights | $214 | $2,563 | -23% |
Earth City | $219 | $2,633 | -21% |
Herculaneum | $220 | $2,643 | -20% |
House Springs | $219 | $2,629 | -21% |
Liguori | $215 | $2,577 | -23% |
Hollister | $260 | $3,115 | -4% |
Louisburg | $267 | $3,199 | -1% |
Mountain Grove | $327 | $3,927 | +19% |
Norwood | $275 | $3,298 | +2% |
Lees Summit | $228 | $2,735 | -17% |
Missouri City | $274 | $3,289 | +2% |
Sibley | $282 | $3,384 | +4% |
Jameson | $328 | $3,934 | +19% |
Ludlow | $323 | $3,880 | +18% |
Mc Fall | $332 | $3,986 | +21% |
Harrisonville | $258 | $3,095 | -4% |
Amoret | $321 | $3,846 | +17% |
Chilhowee | $259 | $3,102 | -4% |
Schell City | $322 | $3,864 | +18% |
Gallatin | $316 | $3,795 | +16% |
Galt | $330 | $3,954 | +20% |
Gilman City | $313 | $3,756 | +15% |
Hale | $266 | $3,196 | -1% |
Meadville | $318 | $3,812 | +16% |
Sumner | $321 | $3,848 | +17% |
Trenton | $309 | $3,713 | +14% |
Blairstown | $330 | $3,960 | +20% |
Clinton | $345 | $4,136 | +24% |
Collins | $338 | $4,056 | +22% |
East Lynne | $261 | $3,134 | -3% |
Jasper | $314 | $3,770 | +15% |
Joplin | $303 | $3,632 | +12% |
Hartshorn | $330 | $3,957 | +20% |
Jadwin | $322 | $3,867 | +18% |
Licking | $331 | $3,972 | +20% |
Raymondville | $316 | $3,793 | +16% |
Richland | $324 | $3,892 | +18% |
Saint James | $375 | $4,503 | +33% |
Success | $328 | $3,936 | +20% |
Montreal | $264 | $3,166 | -2% |
Billings | $234 | $2,808 | -14% |
Brixey | $288 | $3,460 | +7% |
Coffey | $322 | $3,866 | +18% |
Lock Springs | $327 | $3,920 | +19% |
Mercer | $326 | $3,913 | +19% |
Spickard | $317 | $3,809 | +16% |
Amsterdam | $321 | $3,851 | +17% |
Deepwater | $352 | $4,226 | +27% |
El Dorado Springs | $333 | $4,001 | +21% |
Golden City | $325 | $3,905 | +19% |
Osceola | $332 | $3,983 | +21% |
Bloomsdale | $277 | $3,322 | +3% |
Park Hills | $267 | $3,207 | -1% |
Bonne Terre | $273 | $3,275 | +1% |
Farmington | $262 | $3,144 | -3% |
Knob Lick | $273 | $3,277 | +1% |
Leadwood | $276 | $3,312 | +2% |
Clearmont | $328 | $3,935 | +19% |
Cosby | $333 | $3,997 | +21% |
Forest City | $329 | $3,952 | +20% |
Gentry | $329 | $3,949 | +20% |
Maitland | $326 | $3,910 | +19% |
Tarkio | $316 | $3,795 | +16% |
Bosworth | $267 | $3,209 | -1% |
Mayview | $269 | $3,225 | -0% |
Strasburg | $265 | $3,185 | -2% |
Weston | $269 | $3,223 | -0% |
Vichy | $313 | $3,755 | +15% |
Bradleyville | $269 | $3,230 | -0% |
Caulfield | $279 | $3,354 | +4% |
Cedarcreek | $258 | $3,101 | -4% |
Eagle Rock | $272 | $3,270 | +1% |
Garrison | $273 | $3,278 | +1% |
Golden | $278 | $3,341 | +3% |
Hardenville | $287 | $3,439 | +6% |
Isabella | $286 | $3,438 | +6% |
Lampe | $260 | $3,121 | -4% |
Kimberling City | $261 | $3,129 | -3% |
Miller | $298 | $3,575 | +10% |
Purdy | $272 | $3,265 | +1% |
Sparta | $340 | $4,076 | +23% |
Wheatland | $273 | $3,272 | +1% |
Stockton | $273 | $3,278 | +1% |
Humphreys | $328 | $3,942 | +20% |
Mooresville | $318 | $3,821 | +17% |
Winston | $324 | $3,892 | +18% |
Appleton City | $357 | $4,284 | +28% |
Archie | $257 | $3,079 | -5% |
Lowry City | $358 | $4,300 | +28% |
Mindenmines | $322 | $3,862 | +18% |
Sheldon | $353 | $4,237 | +27% |
Walker | $328 | $3,935 | +20% |
Davisville | $293 | $3,519 | +8% |
Dixon | $286 | $3,431 | +6% |
Eldridge | $373 | $4,472 | +32% |
Lebanon | $353 | $4,241 | +27% |
Mountain View | $270 | $3,244 | +0% |
Viburnum | $288 | $3,457 | +7% |
Vienna | $329 | $3,949 | +20% |
Waynesville | $321 | $3,854 | +17% |
Winona | $275 | $3,295 | +2% |
Aldrich | $271 | $3,254 | +1% |
Des Arc | $289 | $3,465 | +7% |
Patton | $271 | $3,254 | +1% |
Bell City | $311 | $3,731 | +14% |
Brazeau | $260 | $3,118 | -4% |
Daisy | $269 | $3,234 | -0% |
Perkins | $260 | $3,116 | -4% |
Bertrand | $269 | $3,226 | -0% |
Guilford | $323 | $3,877 | +18% |
Rea | $267 | $3,209 | -1% |
Chillicothe | $313 | $3,751 | +15% |
Clyde | $326 | $3,906 | +19% |
Denver | $333 | $3,991 | +21% |
Albany | $323 | $3,876 | +18% |
Rushville | $268 | $3,213 | -1% |
Union Star | $325 | $3,898 | +19% |
Lawson | $337 | $4,049 | +22% |
Peculiar | $272 | $3,259 | +1% |
Gower | $271 | $3,254 | +1% |
Pickering | $381 | $4,573 | +34% |
Rock Port | $322 | $3,862 | +18% |
Trimble | $271 | $3,252 | +0% |
Turney | $276 | $3,309 | +2% |
Macon | $304 | $3,644 | +12% |
Bismarck | $273 | $3,271 | +1% |
Riverside | $206 | $2,473 | -27% |
Amazonia | $270 | $3,245 | +0% |
Conception Junction | $323 | $3,873 | +18% |
Helena | $306 | $3,671 | +13% |
Lathrop | $338 | $4,057 | +23% |
Ravenwood | $324 | $3,887 | +18% |
Stanberry | $328 | $3,938 | +20% |
Stewartsville | $261 | $3,134 | -3% |
Pevely | $218 | $2,621 | -21% |
Robertsville | $242 | $2,899 | -11% |
Sullivan | $286 | $3,430 | +6% |
Washington | $342 | $4,105 | +24% |
Shelbina | $327 | $3,929 | +19% |
Wayland | $326 | $3,908 | +19% |
Green City | $330 | $3,957 | +20% |
Greentop | $266 | $3,190 | -1% |
Carrollton | $261 | $3,133 | -3% |
Chula | $323 | $3,880 | +18% |
Lucerne | $329 | $3,944 | +20% |
Mendon | $305 | $3,659 | +12% |
Utica | $321 | $3,857 | +18% |
Deerfield | $359 | $4,303 | +28% |
Harwood | $331 | $3,970 | +20% |
Milo | $360 | $4,320 | +29% |
Moundville | $360 | $4,317 | +29% |
Carthage | $358 | $4,295 | +28% |
Worthington | $271 | $3,253 | +1% |
Arcadia | $287 | $3,442 | +6% |
Cascade | $280 | $3,356 | +4% |
Lesterville | $297 | $3,563 | +10% |
Mineral Point | $219 | $2,623 | -21% |
Gordonville | $268 | $3,221 | -0% |
Jackson | $266 | $3,197 | -1% |
Millersville | $272 | $3,261 | +1% |
Sedgewickville | $271 | $3,255 | +1% |
Sturdivant | $272 | $3,265 | +1% |
Ridgeway | $313 | $3,757 | +15% |
Dexter | $374 | $4,491 | +32% |
Kennett | $264 | $3,172 | -2% |
Wolf Island | $266 | $3,187 | -2% |
Broseley | $277 | $3,318 | +3% |
Van Buren | $286 | $3,432 | +6% |
Williamsville | $283 | $3,397 | +5% |
Devils Elbow | $383 | $4,598 | +35% |
Jerome | $330 | $3,957 | +20% |
Wesco | $328 | $3,936 | +20% |
Brighton | $304 | $3,643 | +12% |
Barnard | $324 | $3,884 | +18% |
Cameron | $325 | $3,895 | +18% |
Clarksdale | $263 | $3,156 | -3% |
Conception | $326 | $3,918 | +19% |
Darlington | $331 | $3,969 | +20% |
Eagleville | $318 | $3,813 | +16% |
Maysville | $317 | $3,809 | +16% |
Faucett | $264 | $3,165 | -2% |
Graham | $325 | $3,895 | +18% |
Oregon | $332 | $3,989 | +21% |
Osborn | $320 | $3,842 | +17% |
Sheridan | $338 | $4,055 | +22% |
Westboro | $321 | $3,848 | +17% |
Odessa | $278 | $3,334 | +3% |
Waverly | $259 | $3,113 | -4% |
Elk Creek | $328 | $3,940 | +20% |
Leasburg | $325 | $3,896 | +19% |
Montier | $279 | $3,348 | +3% |
Plato | $299 | $3,588 | +10% |
Stoutland | $375 | $4,503 | +33% |
Summersville | $336 | $4,038 | +22% |
Caplinger Mills | $338 | $4,060 | +23% |
Branson | $263 | $3,155 | -3% |
Dunnegan | $271 | $3,246 | +0% |
Exeter | $280 | $3,356 | +4% |
Foristell | $205 | $2,463 | -27% |
Saint Peters | $264 | $3,167 | -2% |
Alexandria | $327 | $3,922 | +19% |
Ashburn | $330 | $3,957 | +20% |
Maywood | $321 | $3,849 | +17% |
De Soto | $221 | $2,646 | -20% |
Dittmer | $230 | $2,763 | -16% |
Morrison | $337 | $4,039 | +22% |
Portland | $321 | $3,850 | +17% |
Saint Elizabeth | $267 | $3,201 | -1% |
Jefferson City | $299 | $3,592 | +10% |
Cooter | $263 | $3,155 | -3% |
Kewanee | $324 | $3,886 | +18% |
Wardell | $326 | $3,907 | +19% |
Concordia | $258 | $3,102 | -4% |
Dover | $267 | $3,203 | -1% |
Excelsior Springs | $337 | $4,042 | +22% |
Gobler | $266 | $3,190 | -1% |
Grayridge | $377 | $4,523 | +33% |
Hayti | $317 | $3,808 | +16% |
Clubb | $283 | $3,393 | +5% |
Ellsinore | $282 | $3,383 | +4% |
Gatewood | $221 | $2,649 | -20% |
Camden | $270 | $3,242 | +0% |
Greenwood | $264 | $3,164 | -2% |
Hematite | $287 | $3,442 | +6% |
Asbury | $259 | $3,111 | -4% |
Noel | $276 | $3,312 | +2% |
Reeds | $305 | $3,666 | +12% |
Stella | $264 | $3,171 | -2% |
Ashland | $340 | $4,076 | +23% |
Loose Creek | $324 | $3,885 | +18% |
Westphalia | $345 | $4,145 | +25% |
Caruthersville | $264 | $3,171 | -2% |
Catron | $316 | $3,788 | +16% |
Essex | $317 | $3,808 | +16% |
Gideon | $310 | $3,719 | +14% |
Matthews | $260 | $3,120 | -4% |
Tallapoosa | $324 | $3,882 | +18% |
Dudley | $315 | $3,778 | +15% |
Fairdealing | $286 | $3,431 | +6% |
Greenville | $286 | $3,427 | +6% |
Alma | $316 | $3,786 | +16% |
Louisiana | $260 | $3,124 | -4% |
Middletown | $326 | $3,917 | +19% |
Kahoka | $310 | $3,725 | +14% |
Lewistown | $316 | $3,786 | +16% |
Halltown | $334 | $4,011 | +21% |
Kirbyville | $300 | $3,598 | +11% |
Couch | $294 | $3,523 | +8% |
Marionville | $274 | $3,287 | +2% |
Rockaway Beach | $194 | $2,325 | -33% |
Myrtle | $286 | $3,429 | +6% |
Windyville | $273 | $3,279 | +1% |
Grovespring | $386 | $4,635 | +36% |
Marshfield | $326 | $3,915 | +19% |
Phillipsburg | $377 | $4,522 | +33% |
Pontiac | $287 | $3,449 | +6% |
Powell | $274 | $3,282 | +1% |
Protem | $267 | $3,198 | -1% |
Weaubleau | $273 | $3,271 | +1% |
Moody | $278 | $3,332 | +3% |
Liberty | $271 | $3,252 | +0% |
Platte City | $266 | $3,189 | -1% |
Waldron | $276 | $3,311 | +2% |
Burfordville | $270 | $3,235 | -0% |
Old Appleton | $270 | $3,237 | +0% |
Bernie | $325 | $3,901 | +19% |
Ballwin | $206 | $2,475 | -27% |
Fletcher | $225 | $2,706 | -18% |
Gray Summit | $227 | $2,728 | -17% |
Luebbering | $237 | $2,847 | -13% |
Farber | $305 | $3,663 | +12% |
New Florence | $326 | $3,908 | +19% |
Silex | $289 | $3,464 | +7% |
West Alton | $204 | $2,452 | -28% |
Wright City | $263 | $3,153 | -3% |
Knox City | $335 | $4,016 | +22% |
Monroe City | $321 | $3,852 | +17% |
Palmyra | $322 | $3,864 | +18% |
Eolia | $265 | $3,176 | -2% |
Flinthill | $201 | $2,407 | -29% |
Marthasville | $277 | $3,329 | +3% |
O Fallon | $231 | $2,774 | -15% |
Wellsville | $322 | $3,863 | +18% |
Anabel | $326 | $3,908 | +19% |
Hunnewell | $327 | $3,926 | +19% |
Elsberry | $292 | $3,506 | +8% |
Portage Des Sioux | $275 | $3,297 | +2% |
Clarence | $317 | $3,804 | +16% |
Leonard | $328 | $3,938 | +20% |
Monticello | $313 | $3,762 | +15% |
Preston | $274 | $3,285 | +2% |
Rueter | $265 | $3,183 | -2% |
Urbana | $268 | $3,222 | -0% |
Zanoni | $284 | $3,403 | +5% |
Bridgeton | $220 | $2,642 | -20% |
Kimmswick | $218 | $2,621 | -21% |
Leslie | $291 | $3,497 | +8% |
Koshkonong | $287 | $3,447 | +6% |
Monett | $297 | $3,559 | +10% |
Niangua | $332 | $3,987 | +21% |
Nixa | $298 | $3,571 | +10% |
Reeds Spring | $262 | $3,143 | -3% |
Strafford | $325 | $3,897 | +19% |
Taneyville | $197 | $2,364 | -31% |
Willard | $277 | $3,325 | +3% |
Diamond | $306 | $3,674 | +13% |
Bland | $336 | $4,030 | +22% |
Henley | $301 | $3,609 | +11% |
Hermann | $267 | $3,207 | -1% |
Osage Beach | $301 | $3,612 | +11% |
Tebbetts | $321 | $3,857 | +18% |
Bucklin | $309 | $3,711 | +14% |
Laredo | $317 | $3,806 | +16% |
Stet | $322 | $3,867 | +18% |
Freeman | $261 | $3,131 | -3% |
Jerico Springs | $336 | $4,031 | +22% |
Pottersville | $275 | $3,305 | +2% |
Half Way | $269 | $3,233 | -0% |
Mansfield | $333 | $3,996 | +21% |
Morrisville | $275 | $3,304 | +2% |
Ozark | $327 | $3,924 | +19% |
Ridgedale | $293 | $3,515 | +8% |
Foley | $291 | $3,490 | +8% |
Bethel | $333 | $3,999 | +21% |
La Grange | $314 | $3,774 | +15% |
Lentner | $329 | $3,949 | +20% |
Carl Junction | $318 | $3,820 | +17% |
Jamestown | $265 | $3,181 | -2% |
Mokane | $317 | $3,803 | +16% |
Princeton | $324 | $3,888 | +18% |
Purdin | $324 | $3,892 | +18% |
Rothville | $320 | $3,842 | +17% |
Adrian | $310 | $3,719 | +14% |
Hume | $321 | $3,852 | +17% |
Montrose | $357 | $4,279 | +28% |
Cowgill | $266 | $3,190 | -1% |
Kidder | $264 | $3,169 | -2% |
Newtown | $328 | $3,941 | +20% |
Willow Springs | $335 | $4,018 | +22% |
Springfield | $247 | $2,959 | -9% |
Bunker | $312 | $3,748 | +15% |
Ironton | $285 | $3,417 | +5% |
Sainte Genevieve | $256 | $3,077 | -5% |
Tiff | $226 | $2,714 | -18% |
Marble Hill | $267 | $3,203 | -1% |
Blodgett | $266 | $3,198 | -1% |
Polo | $264 | $3,166 | -2% |
Powersville | $321 | $3,851 | +17% |
Bucyrus | $329 | $3,949 | +20% |
Edgar Springs | $319 | $3,827 | +17% |
Fort Leonard Wood | $322 | $3,862 | +18% |
Kingsville | $266 | $3,190 | -1% |
Easton | $304 | $3,645 | +12% |
Hopkins | $388 | $4,660 | +36% |
Martinsville | $322 | $3,866 | +18% |
Skidmore | $384 | $4,609 | +35% |
Weatherby | $326 | $3,906 | +19% |
Worth | $333 | $4,000 | +21% |
Braymer | $267 | $3,198 | -1% |
Benton | $253 | $3,035 | -6% |
Commerce | $255 | $3,064 | -5% |
Gipsy | $268 | $3,221 | -0% |
Centerville | $294 | $3,522 | +8% |
Marquand | $276 | $3,308 | +2% |
Potosi | $216 | $2,598 | -22% |
Farrar | $261 | $3,131 | -3% |
Pocahontas | $271 | $3,255 | +1% |
Whitewater | $264 | $3,172 | -2% |
Zalma | $271 | $3,255 | +1% |
Columbia | $276 | $3,317 | +2% |
Moberly | $255 | $3,058 | -6% |
Thompson | $315 | $3,784 | +16% |
Blackwater | $348 | $4,172 | +25% |
Lincoln | $272 | $3,264 | +1% |
Memphis | $323 | $3,877 | +18% |
Novinger | $264 | $3,167 | -2% |
Annapolis | $291 | $3,492 | +8% |
Ellington | $295 | $3,539 | +9% |
Vulcan | $287 | $3,444 | +6% |
Chaffee | $251 | $3,011 | -7% |
Dutchtown | $268 | $3,221 | -0% |
Frohna | $260 | $3,123 | -4% |
Leopold | $273 | $3,272 | +1% |
Mc Bride | $263 | $3,155 | -3% |
Uniontown | $263 | $3,157 | -2% |
Vanduser | $258 | $3,101 | -4% |
Clarkton | $261 | $3,130 | -3% |
Fremont | $289 | $3,467 | +7% |
Mill Spring | $280 | $3,357 | +4% |
Piedmont | $284 | $3,412 | +5% |
Bates City | $272 | $3,262 | +1% |
Avilla | $282 | $3,379 | +4% |
Carterville | $319 | $3,824 | +17% |
Fairview | $265 | $3,180 | -2% |
Racine | $310 | $3,715 | +14% |
Brookfield | $305 | $3,660 | +12% |
Hamilton | $264 | $3,172 | -2% |
Jamesport | $324 | $3,886 | +18% |
Linneus | $317 | $3,804 | +16% |
Pattonsburg | $319 | $3,824 | +17% |
Bronaugh | $350 | $4,197 | +26% |
Shelbyville | $327 | $3,921 | +19% |
Williamstown | $326 | $3,915 | +19% |
Glenwood | $270 | $3,242 | +0% |
La Plata | $330 | $3,956 | +20% |
Seneca | $278 | $3,337 | +3% |
Stark City | $259 | $3,108 | -4% |
Lohman | $366 | $4,386 | +30% |
Tipton | $317 | $3,799 | +16% |
Coatsville | $332 | $3,983 | +21% |
Hurdland | $275 | $3,297 | +2% |
Livonia | $330 | $3,965 | +20% |
Morehouse | $290 | $3,478 | +7% |
New Madrid | $288 | $3,453 | +6% |
Fagus | $279 | $3,350 | +3% |
Grandin | $289 | $3,468 | +7% |
Camden Point | $266 | $3,189 | -1% |
Higginsville | $259 | $3,104 | -4% |
Holden | $268 | $3,217 | -1% |
Bolckow | $274 | $3,292 | +2% |
De Kalb | $264 | $3,172 | -2% |
Edgerton | $269 | $3,224 | -0% |
Grant City | $330 | $3,964 | +20% |
New Hampton | $328 | $3,940 | +20% |
Doe Run | $275 | $3,297 | +2% |
Irondale | $217 | $2,608 | -22% |
Reynolds | $301 | $3,611 | +11% |
Saint Mary | $326 | $3,914 | +19% |
Glenallen | $272 | $3,266 | +1% |
Mc Gee | $284 | $3,412 | +5% |
Scott City | $257 | $3,080 | -5% |
Moscow Mills | $284 | $3,406 | +5% |
Frankford | $322 | $3,866 | +18% |
La Russell | $263 | $3,152 | -3% |
Purcell | $323 | $3,871 | +18% |
Morse Mill | $221 | $2,655 | -20% |
Saint Ann | $235 | $2,824 | -14% |
Stanton | $292 | $3,509 | +8% |
Valley Park | $202 | $2,421 | -29% |
Villa Ridge | $223 | $2,671 | -19% |
Olney | $287 | $3,445 | +6% |
Treloar | $280 | $3,363 | +4% |
Novelty | $338 | $4,061 | +23% |
Levasy | $207 | $2,479 | -26% |
Burlington Junction | $383 | $4,591 | +35% |
Maryville | $371 | $4,454 | +32% |
Savannah | $296 | $3,550 | +9% |
Breckenridge | $292 | $3,505 | +8% |
Auxvasse | $354 | $4,250 | +27% |
Huntsville | $321 | $3,852 | +17% |
Renick | $316 | $3,793 | +16% |
Malta Bend | $298 | $3,572 | +10% |
Nelson | $291 | $3,496 | +8% |
Solo | $330 | $3,959 | +20% |
Aurora | $270 | $3,243 | +0% |
Bakersfield | $284 | $3,412 | +5% |
Bruner | $269 | $3,233 | -0% |
Everton | $272 | $3,266 | +1% |
Freistatt | $278 | $3,337 | +3% |
High Hill | $326 | $3,911 | +19% |
Jonesburg | $324 | $3,894 | +18% |
Montgomery City | $325 | $3,902 | +19% |
Plevna | $331 | $3,969 | +20% |
Callao | $312 | $3,740 | +14% |
Boonville | $347 | $4,169 | +25% |
Clifton Hill | $319 | $3,832 | +17% |
Triplett | $320 | $3,842 | +17% |
Wooldridge | $319 | $3,831 | +17% |
Whiteman Air Force Base | $365 | $4,375 | +30% |
Arrow Rock | $299 | $3,583 | +10% |
Edwards | $272 | $3,268 | +1% |
Knob Noster | $371 | $4,455 | +32% |
Marshall | $283 | $3,395 | +5% |
Rich Hill | $285 | $3,422 | +6% |
Urich | $261 | $3,126 | -3% |
New Melle | $280 | $3,359 | +4% |
Lake Saint Louis | $265 | $3,175 | -2% |
Williamsburg | $320 | $3,844 | +17% |
Canton | $310 | $3,718 | +14% |
Ewing | $323 | $3,874 | +18% |
Granger | $332 | $3,980 | +21% |
New London | $263 | $3,156 | -2% |
De Witt | $321 | $3,846 | +17% |
Harris | $328 | $3,930 | +19% |
Kingston | $264 | $3,171 | -2% |
Marceline | $307 | $3,687 | +13% |
Liberal | $351 | $4,214 | +26% |
Koeltztown | $380 | $4,561 | +34% |
Lake Ozark | $302 | $3,621 | +11% |
Latham | $309 | $3,711 | +14% |
Linn | $286 | $3,430 | +6% |
Linn Creek | $296 | $3,555 | +9% |
Mc Girk | $314 | $3,769 | +15% |
Parma | $317 | $3,799 | +16% |
Whiteoak | $267 | $3,201 | -1% |
Wyatt | $264 | $3,166 | -2% |
Campbell | $263 | $3,152 | -3% |
Centerview | $261 | $3,126 | -3% |
Grandview | $212 | $2,548 | -24% |
Lexington | $264 | $3,170 | -2% |
Cassville | $278 | $3,341 | +3% |
Downing | $332 | $3,987 | +21% |
Green Castle | $324 | $3,887 | +18% |
Lancaster | $270 | $3,237 | +0% |
Bunceton | $320 | $3,839 | +17% |
Sedalia | $363 | $4,351 | +29% |
Syracuse | $269 | $3,230 | -0% |
Rolla | $368 | $4,421 | +31% |
Birch Tree | $280 | $3,366 | +4% |
Saint Thomas | $361 | $4,336 | +29% |
Stover | $306 | $3,674 | +13% |
Highlandville | $328 | $3,934 | +19% |
Kissee Mills | $263 | $3,159 | -2% |
Oldfield | $270 | $3,240 | +0% |
Rogersville | $270 | $3,240 | +0% |
Seligman | $276 | $3,308 | +2% |
Tecumseh | $286 | $3,428 | +6% |
Thornfield | $289 | $3,472 | +7% |
Laquey | $322 | $3,862 | +18% |
Blue Eye | $259 | $3,107 | -4% |
Cape Fair | $262 | $3,143 | -3% |
Flemington | $271 | $3,246 | +0% |
Fordland | $339 | $4,066 | +23% |
Arnold | $223 | $2,671 | -19% |
Gerald | $291 | $3,497 | +8% |
High Ridge | $220 | $2,637 | -20% |
Labadie | $233 | $2,800 | -14% |
Crystal City | $214 | $2,567 | -23% |
Hillsboro | $221 | $2,653 | -20% |
South Greenfield | $271 | $3,248 | +0% |
Squires | $288 | $3,462 | +7% |
Verona | $294 | $3,531 | +9% |
Salisbury | $321 | $3,849 | +17% |
Hughesville | $369 | $4,434 | +31% |
Slater | $297 | $3,567 | +10% |
Beulah | $326 | $3,918 | +19% |
New Boston | $325 | $3,901 | +19% |
New Cambria | $315 | $3,784 | +16% |
Unionville | $267 | $3,200 | -1% |
Cadet | $226 | $2,713 | -18% |
Altenburg | $261 | $3,134 | -3% |
Bloomfield | $378 | $4,537 | +33% |
Dalton | $314 | $3,764 | +15% |
Fayette | $360 | $4,317 | +29% |
Madison | $260 | $3,120 | -4% |
Paris | $317 | $3,805 | +16% |
Stoutsville | $316 | $3,792 | +16% |
Boss | $330 | $3,961 | +20% |
Winigan | $325 | $3,900 | +19% |
Belgrade | $217 | $2,610 | -21% |
Middle Brook | $289 | $3,463 | +7% |
Brownwood | $317 | $3,801 | +16% |
Friedheim | $262 | $3,147 | -3% |
Oran | $254 | $3,052 | -6% |
Sikeston | $260 | $3,126 | -3% |
Glasgow | $351 | $4,209 | +26% |
Jacksonville | $316 | $3,793 | +16% |
Blackburn | $297 | $3,569 | +10% |
Climax Springs | $270 | $3,240 | +0% |
Houstonia | $368 | $4,420 | +31% |
Otterville | $320 | $3,843 | +17% |
Gainesville | $287 | $3,440 | +6% |
Humansville | $268 | $3,219 | -1% |
Point Lookout | $293 | $3,518 | +8% |
Stotts City | $267 | $3,201 | -1% |
Theodosia | $287 | $3,440 | +6% |
Turners | $277 | $3,326 | +3% |
Vanzant | $280 | $3,355 | +4% |
Benton City | $315 | $3,775 | +15% |
Kingdom City | $319 | $3,829 | +17% |
Santa Fe | $311 | $3,726 | +14% |
Calhoun | $347 | $4,167 | +25% |
Ionia | $295 | $3,539 | +9% |
Sweet Springs | $295 | $3,544 | +9% |
Bourbon | $321 | $3,848 | +17% |
Lone Jack | $264 | $3,173 | -2% |
Wellington | $267 | $3,209 | -1% |
Armstrong | $325 | $3,897 | +19% |
Martinsburg | $317 | $3,808 | +16% |
Rush Hill | $317 | $3,799 | +16% |
Florence | $268 | $3,212 | -1% |
Milan | $327 | $3,926 | +19% |
Belleview | $290 | $3,485 | +7% |
Blackwell | $286 | $3,433 | +6% |
Caledonia | $218 | $2,611 | -21% |
Fredericktown | $334 | $4,005 | +21% |
Franklin | $353 | $4,238 | +27% |
Fulton | $318 | $3,817 | +16% |
Harrisburg | $261 | $3,135 | -3% |
Holliday | $320 | $3,836 | +17% |
Rocheport | $262 | $3,143 | -3% |
Green Ridge | $367 | $4,403 | +31% |
Mora | $317 | $3,805 | +16% |
Warsaw | $273 | $3,270 | +1% |
Brinktown | $325 | $3,896 | +18% |
Philadelphia | $322 | $3,865 | +18% |
Revere | $327 | $3,924 | +19% |
Atlanta | $318 | $3,818 | +17% |
Brashear | $266 | $3,196 | -1% |
Saginaw | $340 | $4,076 | +23% |
Rhineland | $263 | $3,155 | -3% |
Steedman | $315 | $3,782 | +16% |
Versailles | $271 | $3,254 | +1% |
Crocker | $326 | $3,908 | +19% |
Ava | $281 | $3,371 | +4% |
Brookline | $265 | $3,180 | -2% |
Buffalo | $265 | $3,178 | -2% |
Drury | $280 | $3,358 | +4% |
Cook Sta | $327 | $3,921 | +19% |
Falcon | $325 | $3,904 | +19% |
Iberia | $296 | $3,556 | +9% |
Lynchburg | $271 | $3,253 | +1% |
Salem | $320 | $3,836 | +17% |
Steelville | $330 | $3,961 | +20% |
Ash Grove | $333 | $4,001 | +21% |
Clever | $331 | $3,970 | +20% |
Crane | $266 | $3,195 | -1% |
Dadeville | $272 | $3,259 | +1% |
Pollock | $327 | $3,920 | +19% |
Queen City | $270 | $3,238 | +0% |
Rutledge | $324 | $3,890 | +18% |
Black | $296 | $3,555 | +9% |
Redford | $300 | $3,597 | +11% |
Beaufort | $358 | $4,291 | +28% |
French Village | $284 | $3,414 | +5% |
Grover | $209 | $2,512 | -25% |
Mapaville | $217 | $2,606 | -22% |
Cherryville | $326 | $3,910 | +19% |
Houston | $326 | $3,911 | +19% |
Huggins | $328 | $3,934 | +19% |
Newburg | $383 | $4,596 | +35% |
Roby | $329 | $3,949 | +20% |
Long Lane | $273 | $3,277 | +1% |
Alton | $298 | $3,581 | +10% |
Chadwick | $333 | $3,994 | +21% |
Chestnutridge | $268 | $3,218 | -1% |
Cross Timbers | $276 | $3,315 | +2% |
Dora | $286 | $3,431 | +6% |
Forsyth | $259 | $3,111 | -4% |
Anderson | $278 | $3,334 | +3% |
Oronogo | $256 | $3,074 | -5% |
Rocky Comfort | $278 | $3,336 | +3% |
Webb City | $319 | $3,829 | +17% |
Wheaton | $274 | $3,292 | +2% |
Camdenton | $300 | $3,597 | +11% |
Eldon | $301 | $3,617 | +11% |
Fortuna | $266 | $3,187 | -2% |
Freeburg | $325 | $3,896 | +19% |
Brunswick | $317 | $3,802 | +16% |
Centralia | $320 | $3,839 | +17% |
Clark | $288 | $3,456 | +7% |
Excello | $323 | $3,879 | +18% |
Hallsville | $258 | $3,094 | -4% |
New Franklin | $350 | $4,195 | +26% |
Pilot Grove | $313 | $3,762 | +15% |
Cole Camp | $298 | $3,573 | +10% |
La Monte | $364 | $4,365 | +30% |
Miami | $294 | $3,525 | +9% |
Smithton | $342 | $4,099 | +24% |
Bixby | $288 | $3,461 | +7% |
Walnut Grove | $268 | $3,216 | -1% |
Roach | $302 | $3,625 | +11% |
Mosby | $277 | $3,329 | +3% |
Pleasant Hill | $265 | $3,184 | -2% |
Rayville | $272 | $3,261 | +1% |
Warrensburg | $294 | $3,523 | +8% |
Galena | $267 | $3,204 | -1% |
Graff | $327 | $3,919 | +19% |
Hermitage | $269 | $3,223 | -0% |
Cabool | $330 | $3,962 | +20% |
Noble | $287 | $3,445 | +6% |
Polk | $273 | $3,281 | +1% |
Rockbridge | $284 | $3,407 | +5% |
Shell Knob | $266 | $3,190 | -1% |
Spokane | $275 | $3,299 | +2% |
Hartville | $297 | $3,567 | +10% |
Brandsville | $274 | $3,289 | +2% |
Pittsburg | $329 | $3,948 | +20% |
Seymour | $336 | $4,030 | +22% |
Neck City | $318 | $3,821 | +17% |
South West City | $277 | $3,319 | +3% |
Eugene | $337 | $4,043 | +22% |
Meta | $329 | $3,949 | +20% |
New Bloomfield | $308 | $3,699 | +13% |
Olean | $362 | $4,339 | +29% |
Rocky Mount | $276 | $3,310 | +2% |
Ulman | $270 | $3,235 | -0% |
Cuba | $319 | $3,833 | +17% |
Duke | $326 | $3,912 | +19% |
Lake Spring | $384 | $4,606 | +35% |
Bois D Arc | $312 | $3,740 | +14% |
Conway | $382 | $4,580 | +34% |
Fair Grove | $329 | $3,949 | +20% |
Fair Play | $272 | $3,258 | +1% |
Cairo | $309 | $3,713 | +14% |
Higbee | $328 | $3,931 | +19% |
Keytesville | $311 | $3,729 | +14% |
Mexico | $368 | $4,416 | +31% |
Sturgeon | $257 | $3,082 | -5% |
Emma | $326 | $3,911 | +19% |
Gilliam | $297 | $3,564 | +10% |
Windsor | $323 | $3,874 | +18% |
Greenfield | $272 | $3,268 | +1% |
Macomb | $268 | $3,218 | -1% |
Republic | $327 | $3,928 | +19% |
Tunas | $265 | $3,181 | -2% |
Walnut Shade | $197 | $2,360 | -31% |
Macks Creek | $268 | $3,214 | -1% |
Pomona | $270 | $3,235 | -0% |
Thayer | $285 | $3,416 | +5% |
Goodman | $271 | $3,254 | +1% |
Lanagan | $276 | $3,310 | +2% |
Pineville | $275 | $3,297 | +2% |
Tiff City | $278 | $3,334 | +3% |
Argyle | $326 | $3,908 | +19% |
Belle | $323 | $3,875 | +18% |
High Point | $349 | $4,194 | +26% |
Prairie Home | $351 | $4,217 | +26% |
Russellville | $332 | $3,982 | +21% |
Tuscumbia | $295 | $3,543 | +9% |
Cleveland | $264 | $3,164 | -2% |
Creighton | $257 | $3,081 | -5% |
Garden City | $320 | $3,841 | +17% |
Rockville | $324 | $3,893 | +18% |
Peace Valley | $278 | $3,332 | +3% |
Average car insurance costs by age and gender in Missouri
It’s fairly common knowledge that a driver’s age affects car insurance rates, and this is true in Missouri. Most insurance companies see younger, more inexperienced drivers as more likely to file claims and thus riskier to insure than older drivers. This translates to higher rates. Your premium will likely decrease as you get older and gain more experience on the road, though.
The tables below showcase the average cost of car insurance in Missouri for drivers of varying ages who have clean driving records and are on their own policies (with the exception of the 16-year-olds, who must be added to their parents’ policy).
|
|
|
---|---|---|
Age 16*
|
Avg. monthly full coverage premium in MO
$510
|
Avg. annual full coverage premium in MO
$6,123
|
Age 18
|
Avg. monthly full coverage premium in MO
$635
|
Avg. annual full coverage premium in MO
$7,618
|
Age 20
|
Avg. monthly full coverage premium in MO
$537
|
Avg. annual full coverage premium in MO
$6,447
|
Age 25
|
Avg. monthly full coverage premium in MO
$329
|
Avg. annual full coverage premium in MO
$3,949
|
Age 30
|
Avg. monthly full coverage premium in MO
$288
|
Avg. annual full coverage premium in MO
$3,461
|
Age 40
|
Avg. monthly full coverage premium in MO
$274
|
Avg. annual full coverage premium in MO
$3,288
|
Age 50
|
Avg. monthly full coverage premium in MO
$260
|
Avg. annual full coverage premium in MO
$3,117
|
Age 60
|
Avg. monthly full coverage premium in MO
$259
|
Avg. annual full coverage premium in MO
$3,103
|
Age 70
|
Avg. monthly full coverage premium in MO
$250
|
Avg. annual full coverage premium in MO
$3,002
|
|
|
|
---|---|---|
Age 16*
|
Avg. monthly full coverage premium in MO
$451
|
Avg. annual full coverage premium in MO
$5,410
|
Age 18
|
Avg. monthly full coverage premium in MO
$571
|
Avg. annual full coverage premium in MO
$6,850
|
Age 20
|
Avg. monthly full coverage premium in MO
$468
|
Avg. annual full coverage premium in MO
$5,612
|
Age 25
|
Avg. monthly full coverage premium in MO
$309
|
Avg. annual full coverage premium in MO
$3,703
|
Age 30
|
Avg. monthly full coverage premium in MO
$281
|
Avg. annual full coverage premium in MO
$3,368
|
Age 40
|
Avg. monthly full coverage premium in MO
$265
|
Avg. annual full coverage premium in MO
$3,185
|
Age 50
|
Avg. monthly full coverage premium in MO
$267
|
Avg. annual full coverage premium in MO
$3,205
|
Age 60
|
Avg. monthly full coverage premium in MO
$259
|
Avg. annual full coverage premium in MO
$3,114
|
Age 70
|
Avg. monthly full coverage premium in MO
$249
|
Avg. annual full coverage premium in MO
$2,983
|
Bankrate’s take: Young drivers have less experience behind the wheel and are statistically shown to be more likely to engage in risky behavior, such as texting while driving. This makes them more likely to be involved in accidents than older drivers. Statistics also show that young male drivers are more often involved in accidents than female drivers of the same age — thus, their rates are usually higher. According to the Insurance Institute for Highway Safety (IIHS), about two out of every three teens killed in crashes in 2021 were males.
Cost considerations for young drivers in Missouri
Car insurance is a legal contract, which means that you have to be 18 or older to buy your own policy. Generally, though, it’s cheaper for young drivers to stay on their parents’ or guardians’ policy until they move out and establish their own household. Eighteen-year-olds pay just over 51 percent more per year for full coverage on their own policy versus their parents’ policy, for example.
|
|
---|---|
Age 16*
|
Avg. annual premium for drivers in MO
$5,767
|
Age 17
|
Avg. annual premium for drivers in MO
$5,192
|
Age 18
|
Avg. annual premium for drivers in MO
$4,791
|
Age 19
|
Avg. annual premium for drivers in MO
$4,476
|
Age 20
|
Avg. annual premium for drivers in MO
$4,229
|
|
|
---|---|
Age 18
|
Avg. annual premium for drivers in MO
$7,234
|
Age 19
|
Avg. annual premium for drivers in MO
$6,514
|
Age 20
|
Avg. annual premium for drivers in MO
$6,030
|
Age | Avg. annual premium difference for drivers on their own policy |
---|---|
Age 18 | 51 percent more |
Age 19 | 46 percent more |
Age 20 | 43 percent more |
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Missouri?
Having driving incidents like a speeding ticket conviction, at-fault accident or DUI conviction on your record generally leads to higher insurance premiums. This may also be the case if you are caught driving without insurance, which can lead to multiple penalties, including higher insurance costs. Conversely, safe drivers usually benefit from some of the lowest insurance rates in the state. It all comes down to risk. Car insurance companies tend to charge more for drivers who are at a higher risk of causing accidents and serious injuries.
The table below shows average premiums in Missouri after various driving incidents and highlights how much they increased compared to the state average for drivers with clean records.
|
|
|
---|---|---|
Clean driving record
|
Avg. annual premium* in MO
$3,236
|
Percentage increase from MO avg. annual premium*
0%
|
Avg. annual premium* in MO
$3,746
|
Percentage increase from MO avg. annual premium*
16%
|
|
Avg. annual premium* in MO
$4,127
|
Percentage increase from MO avg. annual premium*
28%
|
|
Avg. annual premium* in MO
$4,669
|
Percentage increase from MO avg. annual premium*
44%
|
Bankrate’s take: If you are convicted of a serious infraction such as a DUI in Missouri, you may be required by the state to file an SR-22 with the DMV. This certificate states that you have the required amount of liability coverage to drive legally. It is filed by your insurer on your behalf, and there is generally a small charge involved. It's important to note that not all insurers will provide coverage to drivers if they have been convicted of a DUI. If that's your situation, you may need to shop around to find an insurance company that will write you a policy.
Car insurance rates in Missouri by credit score
Missouri, like most states, allows the use of your credit tier as a car insurance rating factor. Drivers with low credit scores are viewed as more likely to file claims and pay higher average rates as a result. In Missouri, drivers with poor credit pay, on average, 51 percent more than the state average for full coverage, while drivers with excellent credit pay 2 percent more than those with average credit.
|
|
|
---|---|---|
Avg. annual premium* in MO
$4,887
|
Percentage difference from MO avg. annual premium*
51%
|
|
Average
|
Avg. annual premium* in MO
$3,511
|
Percentage difference from MO avg. annual premium*
9%
|
Avg. annual premium* in MO
$3,236
|
Percentage difference from MO avg. annual premium*
0%
|
|
Excellent
|
Avg. annual premium* in MO
$3,316
|
Percentage difference from MO avg. annual premium*
2%
|
Missouri car insurance rates by vehicle type
Your vehicle type has a significant impact on your car insurance cost. Vehicle makes and models that cost more to repair or replace or have a higher statistical likelihood of accidents are likely to cost more. In Missouri, a BMW 330i costs $3,617 per year on average to insure, while a Ford F-150 costs $3,436 per year. If you’re in the market for a different car, getting quotes may help you better understand your insurance costs before committing.
|
|
---|---|
Avg. annual premium* in MO
$3,236
|
|
Avg. annual premium* in MO
$3,436
|
|
Avg. annual premium* in MO
$3,432
|
|
BMW 330i
|
Avg. annual premium* in MO
$3,617
|
Toyota Prius
|
Avg. annual premium* in MO
$3,319
|
Estimate your car insurance cost in Missouri
The price you pay for your policy is likely to vary from the average and will be based on multiple factors specific to your situation. Bankrate's handy calculator tool below can help give you a benchmark that you can keep in mind when shopping. It may not be exact, but it will generally fall within the range of what you are likely to pay.
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How to save on car insurance in Missouri
Some rating factors, like your age, are out of your control. But there are ways to lower your Missouri car insurance rates if you need to find a cheaper policy:
- Enroll in accident forgiveness: Some carriers will dismiss one accident or claim from your record every few years if you have accident forgiveness on your policy. Doing so could help you maintain more steady rates after an accident.
- Take a defensive driving course: Passing an approved driving safety course may earn you a discount on your car insurance. Just make sure you talk with your insurer before committing to a course to make sure it’s approved. A defensive driving course can be especially beneficial if you are considered a high-risk driver or if you are a driver who is required to carry SR-22 insurance.
- Enroll in telematics programs: More carriers are offering telematics programs that can potentially discount your car insurance premiums based on your driving habits. You typically need to download a mobile app that tracks metrics like hard brakes and the times of day you’re on the road to determine how safely you drive.
- Bundle your coverage: If you need home, condo or renters insurance as well, purchasing multiple insurance products from the same provider could earn you a discount.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.