Average car insurance cost in Missouri

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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 $2,104 per year or $175 per month. While the national average is $1,682. There is a difference of $422 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 $175 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 $849 while the average cost per month is $71. The second-best option available is, Nationwide, 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.

Read our guide to best car insurance companies

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 $586.

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 $2,104 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 $525 per year in Missouri.

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:

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.

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 $3,422 while for seniors is $1,838. Here, the rate for young drivers is $1,584 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 $3,193 per year or $266 per month and rate for a male young driver is $3,650 per year or $304 per month.

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

Average car insurance cost in Missouri for senior drivers

In Missouri, the cost of car insurance for senior female driver is $1,791 per year or $149 per month and cost of car insurance for male senior driver is $1,885 per year or $157 per month.

Read more about senior car insurance

Minimum car insurance requirements in Missouri

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Missouri Department of Insurance, the following are the required coverages and minimum coverage limits in Missouri:

• Bodily injury per person: $25,000
• Bodily injury per accident: $50,000
• Personal property coverage per person: $25,000

Cheapest cars to insure in Missouri

The Toyota C-HR Limited has the lowest average annual insurance premium at $1,354, followed closely by the Hyundai Venue SE at $1,355. The difference in the cost of insuring these two models is $1 annually.

Most expensive cars to insure in Missouri

The most expensive car to insure on the list is the BMW M8 Competition XDrive, which has an average annual premium of $7,458. However, the difference between the cheapest and most expensive cars to insure is $6,104 annually.

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• $500 collision/comprehensive deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

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