Missouri Car Insurance Quotes & Average Rates

Full coverage car insurance in Missouri is estimated at $2,188 a year, or $182 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $681 a year. Missouri is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 54 Missouri cities, a breakdown by age and driving record, and the coverage the state actually requires.

Car insurance calculator — Missouri

Estimated from state average premiums and your rating factors. Not a quote.

ZIP code

Driver age — 35

Driving record

Vehicle type

Coverage level

Deductible

Annual mileage

Married

Your estimated premium

$182/ month

$2,188 per year · carriers in Missouri typically quote $1,554 – $3,020

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We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.

Cheapest car insurance companies in Missouri

Insurer	Est. annual	Est. monthly	vs. average	Notes
USAA	$1,663	$139	-24%	Military members and families only
Geico	$1,794	$150	-18%	Usually cheapest for clean records
State Farm	$1,925	$160	-12%	Strong for young and student drivers
Progressive	$2,079	$173	-5%	Competitive after a ticket or accident
Travelers	$2,122	$177	-3%	Good multi-policy discounts
Nationwide	$2,188	$182	0%	Mid-market, wide availability
Allstate	$2,494	$208	+14%	Higher base rate, heavy discount stacking
Farmers	$2,647	$221	+21%	Agent-led, priced above market

Modelled estimates for a 35-year-old with a clean record and full coverage in Missouri. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.

Missouri car insurance rates by age

Driver age	Full coverage / yr	Minimum / yr	Full coverage / mo
16 years old	$5,911	$1,839	$493
18 years old	$4,986	$1,551	$415
20 years old	$4,128	$1,284	$344
22 years old	$3,429	$1,067	$286
25 years old	$2,617	$814	$218
30 years old	$2,256	$702	$188
40 years old	$2,121	$660	$177
50 years old	$2,030	$632	$169
60 years old	$2,008	$625	$167
65 years old	$2,098	$653	$175
70 years old	$2,301	$716	$192
75 years old	$2,685	$835	$224

Estimated premiums by age in Missouri, clean record, sedan.

How violations change your Missouri premium

Driving record	Est. annual	Increase
Clean record	$2,188	—
1 speeding ticket	$2,692	+23%
1 at-fault accident	$3,217	+47%
DUI / DWI	$4,136	+89%

What a violation costs a 35-year-old in Missouri. Surcharges normally stay on the policy for three to five years.

A DUI in Missouri usually also triggers an SR-22 filing requirement, which most standard carriers will not write.

Missouri minimum insurance requirements

Required coverage in Missouri	Minimum limit
Bodily injury liability, per person	$25,000
Bodily injury liability, per accident	$50,000
Property damage liability	$25,000
Uninsured motorist 25/50	Required
Insurance system	At-fault (tort)

Limits are set by statute and change from time to time. Confirm the current figures with the Missouri Department of Insurance before you buy.

Coverage levels in Missouri

Coverage level	Est. annual	Est. monthly
State minimum liability	$681	$57
Full coverage (100/300/100 + comp & collision)	$2,188	$182
Full coverage, high limits + low deductible	$2,604	$217

Coverage level comparison for Missouri.

Car insurance rates in Missouri cities

Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 54 Missouri cities we price.

Kansas City$2,532 St. Louis$2,357 Springfield$2,357 Columbia$2,183 Independence$2,183 Lee's Summit$2,183 O'Fallon$2,183 Saint Joseph$2,183 Saint Charles$2,183 Blue Springs$2,052 Saint Peters$2,052 Florissant$2,052 Joplin$2,052 Chesterfield$2,052 Jefferson City$2,052 Cape Girardeau$2,052 Oakville$2,052 Wildwood$2,052 Wentzville$2,052 University City$2,052 Ballwin$2,052 Liberty$2,052 Raytown$1,942 Mehlville$1,942 Kirkwood$1,942 Maryland Heights$1,942 Gladstone$1,942 Hazelwood$1,942 Grandview$1,942 Webster Groves$1,942 Sedalia$1,942 Arnold$1,942 Ferguson$1,942 Nixa$1,942 Raymore$1,942 Affton$1,942 Rolla$1,942 Warrensburg$1,942 Spanish Lake$1,942 Old Jamestown$1,942 Ozark$1,942 Creve Coeur$1,942 Manchester$1,942 Farmington$1,942 Hannibal$1,942 Kirksville$1,942 Poplar Bluff$1,942 Lemay$1,942 Sikeston$1,942 Concord$1,942 Republic$1,942 Overland$1,942 Clayton$1,942 Fort Leonard Wood$1,942

Frequently asked questions

▸How much is car insurance in Missouri?

Full coverage in Missouri is estimated at $2,188 a year, or $182 a month, for a 35-year-old with a clean record. A state-minimum policy is estimated at $681 a year.

▸What car insurance is required in Missouri?

Missouri requires $25,000 bodily injury liability per person, $50,000 per accident and $25,000 property damage, plus uninsured motorist 25/50.

▸Is Missouri a no-fault state?

No. Missouri is an at-fault (tort) state, so the driver responsible for a crash — through their liability insurance — pays for the other party's injuries and property damage.

▸Which Missouri city has the cheapest car insurance?

Of the 54 Missouri cities we price, Fort Leonard Wood carries the lowest estimate at $1,942 a year, while Kansas City is highest at $2,532. Urban density is the main driver of the gap.

▸How can I get cheaper car insurance in Missouri?

Re-quote at every renewal rather than letting the policy roll, raise your deductible to $1,000 if you can absorb it, bundle with home or renters cover, and ask specifically about low-mileage, defensive-driving and telematics discounts. The spread between the cheapest and most expensive carrier on an identical risk is routinely close to 2x.