Missouri Car Insurance Calculator
Calculate your auto insurance cost in Missouri. Compare with state averages and find savings.
$1,623
Avg Annual Premium
25/50/25
Min Liability
Monthly Avg
$135
Full Coverage
$2,123
Min Coverage
$556
Uninsured Rate
13.4%
Missouri Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristRequired
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Missouri
Urban areasSevere weatherModerate population density
Major Metro Areas in Missouri
Kansas CitySt. LouisSpringfieldColumbiaIndependence
FAQ
Missouri Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Missouri
The average annual car insurance premium in Missouri is $1,623, or about $135 per month. Full coverage averages $2,123 annually, while minimum coverage averages $556. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Missouri requires minimum liability coverage of 25/50/25 ($25,000/$50,000 for bodily injury and $25,000 for property damage). Uninsured motorist coverage is also required.
Key factors affecting Missouri car insurance rates include: Urban areas, Severe weather, Moderate population density. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 13.4% of drivers in Missouri are uninsured. This is relatively low compared to some states. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Missouri car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Missouri include: State Farm, GEICO, Progressive, American Family, Shelter Insurance. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
MO Insurance Costs
Average premiums in Missouri:
- Annual Average$1,623
- Monthly Average$135
- Full Coverage$2,123
- Minimum Coverage$556
MO Requirements
Minimum coverage required:
- Liability25/50/25
- PIP RequiredNo
- UM RequiredYes
- Uninsured Rate13.4%
Top MO Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •American Family
- •Shelter Insurance