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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.

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Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

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.

Age 16*
Avg. monthly full coverage premium in MO
$533
Avg. annual full coverage premium in MO
$6,400
Age 18
Avg. monthly full coverage premium in MO
$650
Avg. annual full coverage premium in MO
$7,799
Age 20
Avg. monthly full coverage premium in MO
$513
Avg. annual full coverage premium in MO
$6,156
Age 25
Avg. monthly full coverage premium in MO
$283
Avg. annual full coverage premium in MO
$3,397
Age 30
Avg. monthly full coverage premium in MO
$241
Avg. annual full coverage premium in MO
$2,886
Age 40
Avg. monthly full coverage premium in MO
$217
Avg. annual full coverage premium in MO
$2,607
Age 50
Avg. monthly full coverage premium in MO
$196
Avg. annual full coverage premium in MO
$2,355
Age 60
Avg. monthly full coverage premium in MO
$184
Avg. annual full coverage premium in MO
$2,207
Age 70
Avg. monthly full coverage premium in MO
$204
Avg. annual full coverage premium in MO
$2,453
Age 40
Avg. monthly full coverage premium in MO
$217
Avg. annual full coverage premium in MO
$2,607
Age 50
Avg. monthly full coverage premium in MO
$196
Avg. annual full coverage premium in MO
$2,355
Age 60
Avg. monthly full coverage premium in MO
$184
Avg. annual full coverage premium in MO
$2,207
Age 70
Avg. monthly full coverage premium in MO
$204
Avg. annual full coverage premium in MO
$2,453
*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
Age 16*
Avg. monthly full coverage premium in MO
$461
Avg. annual full coverage premium in MO
$5,532
Age 18
Avg. monthly full coverage premium in MO
$552
Avg. annual full coverage premium in MO
$6,627
Age 20
Avg. monthly full coverage premium in MO
$437
Avg. annual full coverage premium in MO
$5,241
Age 25
Avg. monthly full coverage premium in MO
$255
Avg. annual full coverage premium in MO
$3,056
Age 30
Avg. monthly full coverage premium in MO
$229
Avg. annual full coverage premium in MO
$2,751
Age 40
Avg. monthly full coverage premium in MO
$212
Avg. annual full coverage premium in MO
$2,544
Age 50
Avg. monthly full coverage premium in MO
$193
Avg. annual full coverage premium in MO
$2,318
Age 60
Avg. monthly full coverage premium in MO
$179
Avg. annual full coverage premium in MO
$2,154
Age 70
Avg. monthly full coverage premium in MO
$193
Avg. annual full coverage premium in MO
$2,319
Age 40
Avg. monthly full coverage premium in MO
$212
Avg. annual full coverage premium in MO
$2,544
Age 50
Avg. monthly full coverage premium in MO
$193
Avg. annual full coverage premium in MO
$2,318
Age 60
Avg. monthly full coverage premium in MO
$179
Avg. annual full coverage premium in MO
$2,154
Age 70
Avg. monthly full coverage premium in MO
$193
Avg. annual full coverage premium in MO
$2,319
*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
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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.

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Age 16*
Avg. annual premium for drivers in MO
$5,966
Age 17
Avg. annual premium for drivers in MO
$5,349
Age 18
Avg. annual premium for drivers in MO
$4,894
Age 19
Avg. annual premium for drivers in MO
$4,461
Age 20
Avg. annual premium for drivers in MO
$4,123
*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
Age 18
Avg. annual premium for drivers in MO
$7,213
Age 19
Avg. annual premium for drivers in MO
$6,202
Age 20
Avg. annual premium for drivers in MO
$5,698
*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
Age Avg. annual premium difference for drivers on their own policy
Age 18 47 percent more
Age 19 39 percent more
Age 20 38 percent more
Clean driving record
Avg. annual premium* in MO
$2,576
Percentage increase from MO avg. annual premium*
0%
Avg. annual premium* in MO
$2,975
Percentage increase from MO avg. annual premium*
16%
Avg. annual premium* in MO
$3,470
Percentage increase from MO avg. annual premium*
35%
Avg. annual premium* in MO
$4,043
Percentage increase from MO avg. annual premium*
57%
*The table above compares driving records with different incidents and highlights how much, on average, these incidents tend to raise rates. *The rates reflected are for full coverage policies.
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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.

Avg. annual premium* in MO
$4,853
Percentage difference from MO avg. annual premium*
88%
Average
Avg. annual premium* in MO
$2,786
Percentage difference from MO avg. annual premium*
8%
Avg. annual premium* in MO
$2,576
Percentage difference from MO avg. annual premium*
0%
Excellent
Avg. annual premium* in MO
$2,070
Percentage difference from MO avg. annual premium*
-20%
*Rates reflect full coverage policies.
Avg. annual premium* in MO
$2,576
Avg. annual premium* in MO
$2,556
Avg. annual premium* in MO
$2,421
BMW 330i
Avg. annual premium* in MO
$3,322
Toyota Prius
Avg. annual premium* in MO
$2,621
*Rates reflect full coverage policies.

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Why we're asking
Methodology
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46
years of industry expertise
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122
carriers reviewed
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34.5K
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1.2M
quotes analyzed

Methodology

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40 year old
Single male and female driver
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2023 Toyota Camry
Primary vehicle
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Good credit score
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Clean driving record
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Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500