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If you are looking for auto insurance in Missouri, knowing how much it will cost is a promising idea. The average premium for car insurance in Missouri is $2,066 per year or $172 per month. While the national average is $1,682. There is a difference of $384 more between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Missouri, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Average car insurance cost in Missouri per month

In Missouri, the average premium for car insurance is $172 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Missouri, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Missouri is USAA. The average annual cost is $838 while the average cost per month is $70. The second-best option available is, Nationwide General Ins Co, offering insurance at an average per month cost of $91.

The table below lists the other available car insurance companies which offer car insurance in Missouri, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
USAA$70$838
Nationwide General Ins Co$91$1,095
Standard Fire Ins Co$109$1,303
State Farm Mutl Automobile Ins$116$1,398
American Family Ins Co$130$1,564
Owners Ins Co$134$1,613
Allstate F&C Ins Co$144$1,732
Automobile Club Inter-Ins$168$2,020
GEICO Casualty Co$182$2,178
Progressive Casualty Ins Co$219$2,633

Read our guide to best car insurance companies of 2022

Average cost of car insurance by coverage levels in Missouri

The amount of coverage you purchase has an impact on how much car insurance costs in Missouri. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Missouri is $587.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Missouri is $2,066 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Missouri, the average annual cost for non-owner state minimum liability only is $315.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $524 per year in Missouri.

Coverage limitsAverage annual cost
50/100/50 Liability Only$587
100/300/100 Liability with $500 Comp/Coll Deductible$2,066
Non-Owner State Minimum Liability Only$315
State Minimum Liability Only$524

Average car insurance cost in Missouri by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Missouri:

CityAverage annual cost
Kansas City$2,358
St. Louis$3,168
Springfield$1,924
Columbia$1,863
Independence$2,159
Lee’s Summit$1,982
O’Fallon$1,920
St. Joseph$1,942
St. Charles$1,936
St. Peters$1,888

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.

Know car insurance rates in Missouri by city

Average car insurance cost in Missouri by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Missouri is $3,831 while for seniors is $1,893. Here, the rate for young drivers is $1,938 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Missouri for young drivers

The average car insurance cost for female young drivers in Missouri is $3,561 per year or $297 per month and rate for a male young driver is $4,100 per year or $342 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
18$6,497$5,563
19$5,461$4,594
20$4,683$4,000
21$3,894$3,360
22$3,497$3,066
23$3,207$2,882
24$2,968$2,658
25$2,592$2,366

Average car insurance cost in Missouri for senior drivers

In Missouri, the cost of car insurance for senior female driver is $1,832 per year or $153 per month and cost of car insurance for male senior driver is $1,953 per year or $163 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,815$1,733
70$1,933$1,819
75$2,110$1,945

Read more about senior car insurance

Summary of average car insurance cost in Missouri
Average annual cost
$2,066
Average per month cost
$172
Average cost for state minimum coverage
$524 / Year
Cheapest car insurance company
USAA
($838/ Year)
Average cost for young drivers
$3,831 / Year
Average cost for Senior drivers
$1,893 / Year

Know how much is car insurance in other states

Alaska$1,354/Year
Alabama$1,547/Year
Arkansas$1,591/Year
Arizona$1,611/Year
California$2,115/Year
Colorado$1,930/Year
Connecticut$1,744/Year
Delaware$2,158/Year
Florida$2,624/Year
Georgia$1,660/Year
Hawaii$1,306/Year
Iowa$1,319/Year
Idaho$1,111/Year
Illinois$1,565/Year
Indiana$1,252/Year
Kansas$1,587/Year
Kentucky$2,104/Year
Louisiana$2,580/Year
Massachusetts$1,538/Year
Maryland$1,618/Year
Maine$1,095/Year
Michigan$2,133/Year
Minnesota$1,472/Year
Mississippi$1,594/Year
Montana$1,692/Year
North Carolina$1,368/Year
North Dakota$1,400/Year
Nebraska$1,987/Year
New Hampshire$1,305/Year
New Jersey$1,921/Year
New Mexico$1,507/Year
Nevada$2,031/Year
New York$2,072/Year
Ohio$1,023/Year
Oklahoma$1,799/Year
Oregon$1,272/Year
Pennsylvania$1,445/Year
Rhode Island$1,839/Year
South Carolina$1,902/Year
South Dakota$1,553/Year
Tennessee$1,370/Year
Texas$1,867/Year
Utah$1,478/Year
Virginia$1,312/Year
Vermont$1,135/Year
Washington$1,377/Year
Wisconsin$1,476/Year
West Virginia$1,609/Year
Wyoming$1,685/Year
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