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 onMarch 11, 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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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 MinimumNA* Liability coverage$1,037/year Full Coverage$3,209/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 - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. 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 six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in MissouriThe cost of your car insurance also depends on the coverage levels you choose.If you opt for just the minimum coverage required by your state, you’ll pay $45 per month, or $544 per year. It’s a low-cost option, but keep in mind that it won’t pay for any repairs to your own car if you’re in an accident.For solid protection, full coverage might be the right choice. It includes liability coverage along with collision and comprehensive insurance. Collision coverage covers damage to your vehicle from accidents, irrespective of fault. Comprehensive coverage protects against non-collision events like theft, vandalism or weather events.In Missouri, the average cost for full coverage is $201 per month, or $2,410 per yearWhile it’s more than what you’d pay for minimum coverage, the added protection can be worth it, especially if your car is of significant value.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 cityCar insurance rates can vary widely depending on where you live, even within Missouri.Cities like St. Louis, Kansas City, or Independence tend to have higher premiums due to heavier traffic, more frequent accidents, and a greater risk of theft or damage.On the other hand, car insurance is generally more affordable in cities like Columbia or O’Fallon, with average annual premiums between $2,170 and $2,194.This is largely because these cities have fewer accidents, less traffic, and lower rates of vehicle theft or vandalism.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 ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Missouri for a full coverage policy based on your age and gender.Average car insurance cost in Missouri for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Missouri pay an average of $5,620 per year for car insurance, while females of the same age pay $4,675.But by the time you turn 25, insurance premiums drop to $3,091 a year on average 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 driversOn average, an adult male driver in Missouri pays $2,436 a year for full coverage or $203 per month. Women pay $2,374 a year or $198 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.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 driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $2,135 per year, while women pay $2,067. But by age 70, average premiums rise to $2,264 for men and $2,174 annually for women. At 75, rates increase even further – $2,483 for male drivers and $2,338 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining 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 buying your first insurance policy or just moved to Missouri, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Missouri must carry at least the following minimum liability coverage: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 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