Average cost of car insurance in Missouri in 2025

How much is car insurance in Missouri? 

The average cost of car insurance in Missouri is $2,491 per year for full coverage and $636 per year for minimum coverage, according to data from Quadrant Information Services. To compare, the U.S. national averages are $2,671 for full coverage and $806 for state-mandated minimum coverage.

However, it’s important to note that car insurance premiums are different for every driver. Factors like your ZIP code, driving record, gender, vehicle type and age can affect your personalized rate. Additionally, insurers charge varying amounts for the same coverage. To find the most affordable car insurance in Missouri for your situation, it’s a good idea to compare quotes from multiple insurers.

Key takeaways

• On average, Missouri drivers pay 7 percent less than the national average cost of full coverage car insurance and 21 percent less than the national average for minimum coverage.
• The average monthly cost of car insurance in Missouri is $208 for full coverage and $53 for state-mandated minimum coverage.
• 18-year-old males on their own policy have the highest average car insurance premium of any segment we analyzed at $7,600 per year for full coverage.
• A DUI conviction in Missouri raises average full coverage car insurance premiums by 60 percent more.
• Drivers with poor credit pay over 129 percent more per year for full coverage in Missouri than drivers with excellent credit.

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Missouri car insurance rates by city

The average car insurance cost in Missouri varies between cities due to differing claim statistics and costs of living. In more urban areas, like Kansas City and St. Louis, for example, it’s likely that there are more vehicles on the road, which increases the risk of an accident and, thus, insurance rates. Areas with fewer vehicles or a lower cost of living (which translates to cheaper claims) will generally see lower average rates.

Average car insurance costs by age and gender in Missouri

It’s fairly common knowledge that a driver’s age affects car insurance rates, and this is true in Missouri. Most insurance companies see younger, more inexperienced drivers as more likely to file claims and thus riskier to insure than older drivers. This translates to higher rates. Your premium will likely decrease as you get older and gain more experience on the road, though.

The tables below showcase the average cost of car insurance in Missouri for drivers of varying ages who have clean driving records and are on their own policies (with the exception of the 16-year-olds, who must be added to their parents’ policy).

Cost considerations for young drivers in Missouri

Car insurance is a legal contract, which means that you have to be 18 or older to buy your own policy. Generally, though, it’s cheaper for young drivers to stay on their parents’ or guardians’ policy until they move out and establish their own household. Eighteen-year-olds pay just over 45 percent more per year for full coverage on their own policy versus their parents’ policy, for example.

How does driving record impact the cost of car insurance in Missouri?

Having driving incidents like a speeding ticket conviction, at-fault accident or DUI conviction on your record generally leads to higher insurance premiums. This may also be the case if you are caught driving without insurance, which can lead to multiple penalties, including higher insurance costs. Conversely, safe drivers usually benefit from some of the lowest insurance rates in the state. It all comes down to risk. Car insurance companies tend to charge more for drivers who are at a higher risk of causing accidents and serious injuries.

The table below shows average premiums in Missouri after various driving incidents and highlights how much they increased compared to the state average for drivers with clean records.

Car insurance rates in Missouri by credit score

In Missouri, car insurance companies can use credit-based insurance scores to calculate premiums. Your credit-based insurance score is determined based on factors like your debt and payment history. Drivers with low credit scores are viewed as more likely to file claims and pay higher average rates as a result. In Missouri, drivers with poor credit pay, on average, 86 percent more than the state average for full coverage, while drivers with excellent credit pay 19 percent less than those with average credit.

Missouri car insurance rates by vehicle type

Your vehicle type has a significant impact on your car insurance cost. Vehicle makes and models that cost more to repair or replace or have a higher statistical likelihood of accidents are likely to cost more. In Missouri, a BMW 330i costs $3,332 per year on average to insure, while a Ford F-150 costs $2,476 per year. If you’re in the market for a different car, getting quotes may help you better understand your insurance costs before committing.

Estimate your car insurance cost in Missouri

The price you pay for your policy is likely to vary from the average and will be based on multiple factors specific to your situation. Bankrate's handy calculator tool below can help give you a benchmark that you can keep in mind when shopping. It may not be exact, but it will generally fall within the range of what you are likely to pay.

How to save on car insurance in Missouri

Some rating factors, like your age, are out of your control. But there are ways to lower your Missouri car insurance rates if you need to find a cheaper policy:

• Enroll in accident forgiveness: Some carriers will dismiss one accident or claim from your record every few years if you have accident forgiveness on your policy. Doing so could help you maintain more steady rates after an accident.
• Take a defensive driving course: Passing an approved driving safety course may earn you a discount on your car insurance. Just make sure you talk with your insurer before committing to a course to make sure it’s approved. A defensive driving course can be especially beneficial if you are considered a high-risk driver or if you are a driver who is required to carry SR-22 insurance.
• Enroll in telematics programs: More carriers are offering telematics programs that can potentially discount your car insurance premiums based on your driving habits. You typically need to download a mobile app that tracks metrics like hard brakes and the times of day you’re on the road to determine how safely you drive.
• Bundle your coverage: If you need home, condo or renters insurance as well, purchasing multiple insurance products from the same provider could earn you a discount.

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