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 onApril 9, 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 MissouriTravelers has the cheapest rates, at an average annual cost of $1,687 or $141 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also stands out for its affordable premiums, with an average cost of $155 per month or $1,861 annually.While these insurance companies have some of the lowest average rates in Missouri, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. 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. 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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 cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like St. Louis, Kansas City or Independence, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Columbia or O’Fallon pay significantly low insurance rates, on average between $2,170 and $2,194 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.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 plays a significant role in how insurers calculate car insurance costs. Young drivers usually pay more, as their inexperience on the road makes them a higher risk.Rates are often highest for teenagers, begin to decrease after 25, and then climb again once drivers are in their 70s.Let’s break down what you can expect to pay in Missouri for full coverage, depending on your age and gender.Average car insurance cost in Missouri for young driversAs a young driver, you’ll likely face higher-than-average insurance rates. Because of limited driving experience, insurers view young drivers as riskier, resulting in higher insurance rates until they gain more experience on the road.In Missouri, 20-year-old male drivers pay an average of $5,620 per year for car insurance, while their female counterparts pay $4,675 for the same coverage.However, by age 25, average car insurance costs drop to about $3,091 per year for male drivers and $2,815 for female drivers.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 per year for full coverage, or $203 each month. Female drivers of the same age pay $2,374 annually or $198 monthly.Keep in mind that rates can vary depending on personal factors, so it’s always a good idea to compare quotes to get the best deal.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 driversAs a senior driver, you may notice your car insurance rates increase with age. At 65, men pay $2,135 per year, and women pay $2,067.By age 70, those averages increase to $2,264 for men and $2,174 for women. At 75, premiums rise again, reaching $2,483 for male drivers and $2,338 for female drivers.Older drivers often face higher premiums because insurers view them as higher-risk due to slower reaction times and increased accident severity with age.Still, you can keep your premiums in check by driving safely 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 MissouriThe type of car you drive plays a significant role in determining your insurance premium. Vehicles with high repair expenses, theft rates or a history of accidents usually cost more to insure. On the other hand, those with high safety ratings, lower repair costs and fewer insurance claims tend to have more affordable rates.Volkswagen Tiguan is one of the cheapest cars to insure in Missouri, with an average premium of $2,086 per year. Honda CR-V has an average annual cost of $2,122.The table below shows the cars with the lowest average insurance rates.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 tops the list as the most expensive car to insure in Missouri, at an average annual cost of $10,109. Below is a list of the most expensive vehicles to insure in Missouri and their average annual 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:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.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. 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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 (844) 645-3330