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Average cost of car insurance in Missouri in 2024

Updated Nov 13, 2024
Missouri car insurance costs an average of $3,236 per year for full coverage and $878 per year for minimum coverage.
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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.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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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.

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 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
*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
$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
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
*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.

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.

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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
*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
$7,234
Age 19
Avg. annual premium for drivers in MO
$6,514
Age 20
Avg. annual premium for drivers in MO
$6,030
*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 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%
*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.

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%
*Rates reflect full coverage policies.

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
*Rates reflect full coverage policies.

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

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46
years of industry expertise
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122
carriers reviewed
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34.5K
ZIP codes examined
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1.2M
quotes analyzed

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:

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40 year old
Single male and female driver
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2022 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

Other profiles

These are sample rates and should only be used for comparative purposes.