Car insurance calculator for teens in Missouri

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Car insurance for teens in Missouri is more expensive than it is for older drivers, but costs depend on several factors, including age, gender, coverage limits, and the insurer you choose. Knowing the averages in your state can help you budget, compare quotes, and find the best option for your family.

Use our calculator to estimate what car insurance might cost for your teen in Missouri. Having a ballpark figure makes it easier to budget, compare quotes, and choose the coverage that works best for your family.

Car insurance calculator for state teens

State

Missouri

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Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

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Average annual rates for state teen drivers

$8,265 Average rate

$13,426 Highest
rate

$4,423 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Auto Club Enterprises (AAA)	$13,426
Progressive	$12,400
Allstate	$11,736

Least expensive companies for auto insurance in ()

Company	Average annual rate
USAA	$4,423
Missouri Farm Bureau	$5,458
Shelter Insurance	$5,516

Average car insurance costs for teens in Missouri

On average, teen drivers in Missouri pay $5,911 per year for coverage with limits of 100/300/100 – that’s $100,000 for one person’s injuries, $300,000 for all injuries in a single accident, and $100,000 for property damage – plus $500 deductibles for collision and comprehensive.

Teens face higher premiums than young adults or older drivers because they lack experience. Insurers see them as higher risk, which makes coverage more expensive.

Costs also vary depending on the coverage you choose, the type of car your teen drives, and your ZIP code. Families in Missouri can often save by using good student discounts, enrolling teens in driver training programs, or adding them to an existing family policy instead of buying separate coverage.

Teen car insurance rates in Missouri, by age

Rates change quickly as teens get older. For example, a full coverage policy for a 16-year-old in Missouri averages $7,721 per year. At 19, the average falls again to $4,399.

Premiums are still higher than those for adult drivers, but the steady decline shows how experience behind the wheel helps bring costs down over time.

See the table below for average teen car insurance rates in Missouri by age.

Teen car insurance rates in Missouri, by gender

In most states, insurers set rates differently for male and female drivers, though California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania prohibit this. In Missouri, a 16-year-old male pays around $8,233 per year, compared to $7,211 for a female – a difference of $1,022.

Crash data helps explain the gap. According to the Insurance Institute for Highway Safety, 3,048 teens ages 13-19 lost their lives in motor vehicle crashes in 2023, and two out of three were male. Because young men are more likely to be in serious accidents, insurers factor that risk into their rates.

The table below shows average teen car insurance rates in Missouri by gender.

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Cheapest teen car insurance companies in Missouri

Teen car insurance is expensive everywhere, but rates vary widely from one company to another. Shopping around is the best way to find the lowest price.

In Missouri, Travelers offers the cheapest coverage for drivers ages 16-19, averaging $4,296 per year for full coverage with 100/300/100 limits and $500 deductibles.

The next lowest average premium comes from Missouri Farm Bureau at $4,377.

The table below lists the cheapest insurers for teen drivers in Missouri.

Minimum coverage requirements for teens in Missouri

In Missouri, teen drivers must meet the same minimum liability requirements as adults:

• $25,000 for bodily injury liability per person
• $50,000 for bodily injury liability per accident
• $25,000 for property damage liability

These limits are designed as a baseline, but they may not be enough to cover serious accidents. Many families choose higher limits for more protection when adding a teen driver.

If the car is financed or leased, comprehensive and collision coverage are also required. These cover damage to your own car from accidents, theft, or weather.

Ways to save on teen car insurance in Missouri

While teen premiums are high, there are steps you can take to lower costs without cutting back on safety:

• Check averages first. Knowing what others pay in your state helps you budget and spot quotes that are too high.
• Choose a practical car. A safe, modest sedan is much cheaper to insure than a luxury or sports model.
• Go beyond liability. Full coverage is pricier but offers better protection against accidents, injuries, and damage.
• Use discounts. Good grades, safe driving programs, and low mileage can all reduce premiums.
• Talk about responsibility. Help your teen understand that safe driving protects both lives and finances.
• Review each year. Rates usually drop as teens gain experience and keep a clean record, so revisit your policy annually.

Helping your teen start off safely on the road

Adding your teen to your car insurance policy will raise your rates at first-but it won’t last forever. As they gain experience and prove themselves as safe drivers, premiums usually go down year by year.

You can ease the cost by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules. It’s about giving them a safe, confident start on the road while protecting your family financially.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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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