Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Missouri Average car insurance cost in Missouri The average full coverage car insurance cost in Missouri is $2,410 annually, or $201 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 20, 2026 Why you can trust Insure.com At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Missouri, you can expect to pay an average of around $201 per month for full coverage car insurance, or $2,410 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $45 monthly or $544 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $2,410 Average per month cost $201 Average cost for state minimum coverage $645 / Year Cheapest car insurance company Travelers$1,687 / Year Average cost for young drivers $3,986 / Year Average cost for Senior drivers $2,243 / Year 012345 1 of 6 Average car insurance cost in Missouri Drivers in Missouri generally pay an average of $201 per month or $2,410 per year for full coverage car insurance. However, if you go with the state’s minimum coverage, your monthly premium could be as low as $45 or $544 per year. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.Your exact car insurance costs may vary, as insurers consider multiple factors including your age, driving experience, credit score, where you live and what kind of car you drive.Cheapest car insurance companies in MissouriIf you’re looking for affordable insurance, Travelers tops the list of the cheapest car insurance companies. Its average annual cost is $1,687 per year or $141 monthly for a policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also provides affordable insurance rates in Missouri for a full coverage policy at an average annual insurance cost of $1,861 or $155 monthly.While these companies offer some of the lowest average premiums in Missouri, your actual rate will depend on factors unique to you. Comparing multiple quotes is the best way to find coverage that fits both your budget and needs. Affordable car insurance providers in Missouri Graph Table Company nameAverage per month costAverage annual costTravelers$141$1,687GEICO$155$1,861Shelter Insurance$179$2,149Missouri Farm Bureau$233$2,801Auto Club Enterprises (AAA)$247$2,969Nationwide$256$3,067Progressive$328$3,934USAA*$106$1,269*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Missouri car insurance calculator Tell us about your car to get an estimate. Vehicle year Vehicle year2024202320222021202020192018201720162015 State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Vehicle make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFiatFordGenesisGMCHondaHyundaiIneosInfinitiJaguarJeepKiaLand RoverLexusLincolnLucidMaseratiMazdaMercedes-AMGMercedes-BenzMercedes-MaybachMiniMitsubishiNissanPolestarPorscheRamRivianSubaruTeslaToyotaVinFastVolkswagenVolvo Vehicle model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechIntegra A-Spec TechIntegra Type SMDXMDX SH-AWDMDX SH-AWD A-SpecMDX SH-AWD A-Spec AdvanceMDX SH-AWD AdvanceMDX SH-AWD TechnologyMDX SH-AWD Type S Advance PackageMDX TechnologyRDX SH-AWDRDX SH-AWD A-SpecRDX SH-AWD A-Spec AdvanceRDX SH-AWD AdvanceRDX SH-AWD TechnologyTLX 2.0T A-SpecTLX 2.0T SH-AWD A-SpecTLX 2.0T TechnologyTLX 3.0T Type STLX 3.0T Type S High Performance Tire Vehicle already present. Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Missouri Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Missouri Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$656/year Liability coverage$858/year Full Coverage$2,591/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in MissouriYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $45 a month, or about $544 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Missouri pay around $201 per month, or roughly $2,410 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$544Liability only$645Full coverage$2,410Non-owner state minimum liability$440Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Missouri by citySee rates in your cityKansas City Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Missouri by cityWhere you live in Missouri can have a big impact on your car insurance rates.If you’re located in cities like St. Louis, Kansas City, or Independence, you may face higher premiums due to dense traffic, higher accident rates, and an increased chance of theft or damage.On the other hand, drivers in cities like Columbia and O’Fallon tend to pay much lower insurance premiums, between $2,170 and $2,194 per year.These cities usually have fewer accidents, lower crime rates and less congestion, which helps keep insurance costs down.CityAverage annual costColumbia$2,170O’Fallon$2,194St. Charles$2,242Springfield$2,258Lee’s Summit$2,356Blue Springs$2,362St. Joseph$2,382Independence$2,585Kansas City$2,719St. Louis$3,340Powered by:Average car insurance cost in Missouri by ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Missouri, based on age and gender.Average car insurance cost in Missouri for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Missouri pays an average of $5,620 annually for car insurance, compared to $4,675 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $3,091 per year for male drivers and $2,815 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,620$4,67521$4,456$3,74922$4,066$3,45323$3,823$3,26124$3,619$3,127Powered by:Average car insurance cost in Missouri for adult driversAn adult driver aged 25-60 in Missouri pays $2,436 annually for full coverage, or around $203 each month. Women in the same age group pay $2,374 per year or $198 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$3,091$2,81530$2,536$2,50835$2,453$2,44240$2,411$2,40945$2,364$2,35250$2,279$2,24355$2,195$2,14160$2,160$2,107Powered by:Average car insurance cost in Missouri for senior driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $2,135 annually, while women pay $2,067.By 70, average rates go up to $2,264 for men and $2,174 for women. At age 75, costs increase further, reaching $2,483 for men and $2,338 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$2,135$2,06770$2,264$2,17475$2,483$2,338Powered by:Minimum car insurance requirements in MissouriWhether you’re purchasing a policy for the first time or relocating to Missouri, it’s important to understand the state’s liability coverage requirements.Drivers in Missouri must carry at least the following minimum coverage limits to stay compliant with the law:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in MissouriYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.Volkswagen Tiguan tops the list for cheapest car to insure in Missouri at an average cost of $2,086 a year, followed closely by Honda CR-V at $2,122 per year.The table below outlines the vehicles with the lowest insurance costs.Make ModelAverage annual premiumVolkswagen Tiguan$2,086Honda CR-V$2,122Honda HR-V$2,163Chevrolet Express$2,196Hyundai Tucson$2,232Hyundai Kona$2,241Mini Cooper Electric$2,288Subaru Impreza$2,292Chevrolet Equinox$2,302Mini Cooper Countryman JCW$2,309Powered by:Most expensive cars to insure in MissouriMercedes-AMG EQS is one of the most expensive vehicles to insure in Missouri, with an average annual cost of $10,109.Below is a list of the costliest vehicles to insure in Missouri and their average premiums.Make ModelAverage annual premiumMercedes-AMG EQS$10,109BMW M8 Gran Coupe$9,028Maserati Quattroporte$8,823Audi RS7$8,659Audi RS6$8,620BMW M8$8,270Maserati Ghibli$7,837BMW i7$7,794Mercedes-AMG G63$7,625Audi e-tron GT$7,593Powered by:Premiums vary based on where you live and your driving history. To make sure you’re getting the right coverage at a fair price, it’s important to compare quotes from different insurers. Shopping around can help you find coverage that fits your needs and budget.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident. We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTennessee$2,214/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. You might find interesting Explore related topics Car insurance calculator for teens in MissouriCheapest SR-22 insurance in MissouriDo you need insurance to register a car in Missouri?How much is gap insurance in MissouriLow-cost car insurance in MissouriMissouri car insurance calculatorMissouri car insurance: Rates, state minimum requirements and best companiesNon-owner auto insurance in Missouri: Which company has the cheapest rates?The best and cheapest car insurance in MissouriSee more Explore other insurance options in Missouri The best and cheapest car insurance in Missouri Average renters insurance cost in Missouri Average homeowners insurance cost in Missouri In case you missed it The most expensive and cheapest cars to insure in 2026 Do you have to add a teenage driver to your car insurance policy? Teenage car insurance rates: How much is car insurance for teens? Most and least expensive trucks to insure in 2026 How much does car insurance cost for seniors in 2026? Non-owner car insurance: How to get car insurance if you don’t own a car i... The most and least expensive states for car insurance Do your car insurance and registration have to be under the same name? Car insurance mileage brackets: How your annual mileage affects your premiums What to do after a car accident that’s not your fault How to keep your totaled car Most expensive and cheapest SUVs to insure in 2026 Average cost of gap insurance in 2026 Is $200 a month high for car insurance? Blood alcohol content (BAC) calculator Can I insure a car that isn’t in my name? What to know about six-month car insurance How much does used car insurance cost? Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in MissouriCheapest car insurance companies in MissouriAverage cost of car insurance by coverage levels in MissouriAverage car insurance cost in Missouri by cityAverage car insurance cost in Missouri by ageMinimum car insurance requirements in MissouriCheapest cars to insure in MissouriMost expensive cars to insure in MissouriMethodology ZIP Code Please enter valid ZIP See rates 1-833-708-5453