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 Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: January 7, 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’re in Missouri, your monthly cost for full coverage car insurance is $201, which adds up to $2,410 per year. For minimum coverage, expect to pay an average of $45 monthly, or $544 a year.Insurance companies calculate your premiums based partly on where you live. They consider factors such as traffic and accident rates, the number of car thefts in your area, and how expensive it is to repair your vehicle. If you live in a busy city with heavy traffic and high theft rates, you’ll likely pay more for car insurance than someone in a rural area with fewer cars on the road and lower accident risks.Other than location, your age, driving history, credit score and ZIP code also influence your insurance rates. Average annual cost $2,410 / Year 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 MissouriIf you live in Missouri can expect to pay an average of $201 per month for full coverage car insurance – that’s $2,410 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $45 monthly or $544 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in MissouriTravelers provides the lowest full coverage rates, for an average cost of $1,687 per year or $141 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.GEICO also offers affordable insurance coverage to Missouri drivers at an average cost of $1,861 a year or $155 per month.Although these insurers offer some of the most affordable average rates in Missouri, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. 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? 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 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 buying insurance for the first time or moving to a new state, understanding the required liability limits in Missouri can help you avoid fines and make smarter choices about your coverage.Drivers in Missouri must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in MissouriInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.Volkswagen Tiguan has the lowest premium, at an average of $2,086 a year, closely followed by Honda CR-V, with an average annual car insurance cost of $2,122.The table below shows the cheapest cars to insure and their average annual 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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How much used car insurance costs: 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