This message is powered by, a accredited indemnity producer ( NPN : 8781838 ) and a corporate affiliate of LLC services are only available in states were it is licensed and indemnity coverage through may not be available in all states. All indemnity products are governed by the terms in the applicable insurance policy, and all refer decisions ( such as blessing for coverage, premiums, commissions and fees ) and policy obligations are the sole duty of the underwrite insurance company. The information on this locate does not modify any indemnity policy terms in any way. is an autonomous, advertising-supported publisher and comparison service. We are compensated in switch over for placement of sponsor products and, services, or by you clicking on certain links posted on our web site. therefore, this recompense may impact how, where and in what order products appear within listing categories. other factors, such as our own proprietorship web site rules and whether a product is offered in your area or at your self-selected credit score range can besides impact how and where products appear on this locate. While we strive to provide a wide range offers, Bankrate does not include information about every fiscal or credit product or service. We ’ rhenium guileless about how we are able to bring quality contentedness, competitive rates, and utilitarian tools to you by explaining how we make money. Bankrate follows a rigid editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate message to help you make the right fiscal decisions. The capacity created by our column staff is objective, actual, and not influenced by our advertisers.

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How much is car insurance in Missouri?

It is difficult to give an accurate price on Missouri car policy rates. many factors can affect pricing. however, providing average cable car policy rates in Missouri by sampling a boastfully number of state quotes could at least give you a approximate range estimate of how much you would pay for coverage. As note, average car indemnity rates in Missouri are $ 468/ $ 1,661. That is cheaper than the nation ’ s average price of insurance of $ 565/ $ 1,674. however, your rates may be higher or lower than the department of state median based on respective personal and demographic factors, such as your localization, age, the mailman you choose and your drive record.

Missouri car insurance rates by company

The following table shows annual price by policy company. You will find that most of the cheapest cable car policy rates on average in Missouri come from smaller, regional carriers. The lowest rates are available through USAA, Columbia, Electric Insurance Company and Missouri Farm Bureau. USAA is the exception — it operates nationally but is only available to military members and their families. Getting quotes from more than one policy company could help you find lower rates if you find providers that offer you a lower monetary value. You may want to switch carriers if you can save a meaning amount of money on your premiums .

Missouri car insurance rates by city

Your ZIP code may besides affect how much you pay to insure your vehicle. See how your area compares in the table listing the exceed 20 largest cities in Missouri, based on population .

City Average annual premium for full coverage % increase in average annual premium
Kansas City $1,857 12%
St. Louis $2,277 37%
Springfield $1,573 -5%
Columbia $1,501 -10%
Independence $1,729 4%
St. Charles $1,590 -4%
Lee’s Summit $1,603 -4%
St. Peters $1,579 -5%
St. Joseph $1,577 -5%
O’Fallon $1,572 -5%
Florissant $1,990 20%
Jefferson City $1,433 -14%
Joplin $1,499 -10%
Ballwin $1,693 2%
Blue Springs $1,608 -3%
Cape Girardeau $1,605 -3%
Chesterfield $1,700 2%
Fenton $1,713 3%
Sedalia $1,490 -10%
Oakville $1,824 10%

Missouri car insurance rates by age

The inauspicious reality of being a youthful driver in the submit of Missouri means you may pay more for car indemnity than even person with a DUI or holocene accident. Most insurance companies see younger, inexperienced drivers as bad to insure. consequently, they will pass on the risk by charging more to insure you. adolescent drivers are hit the hardest, seeing premiums that may be double or more than a 30-year-old ’ sulfur. To save on coverage, consider adding your vehicle to a parental policy or taking advantage of discounts offered by carriers, such as adept student or defensive driver course completion discounts. *16 class old calculated on parent ’ south policy disclosure

Missouri car insurance rates by driving record

safe drivers benefit from the lowest policy rates in the department of state. It all comes depressed to risk — insurance companies tend to charge more to drivers who are at a higher risk for causing accidents and good injuries. While a previous accident or driving under the influence conviction are fair explanations for a jump in car insurance rates, a individual rush ticket can besides sharply raise your cable car policy premiums. That is because insurers see speeding as bad behavior that can lead to serious dealings accidents .

Driving incident Average annual full coverage premium in Missouri % increase of average annual premium
Speeding ticket $1,959 17.94%
Accident $2,235 34.55%
DUI $2,714 63.39%

How to save on car insurance in Missouri

You may not be able to do much about your long time ( early than to take advantage of age-related discounts ) but you can save further on your car indemnity in a few unlike ways :

  • Enroll in accident forgiveness: Some carriers offer to dismiss one accident or claim from your record every few years. Doing so could stop your car insurance rates from going up an average of 34.55%/
  • Take a defensive driving course: Passing an approved online driving safety course can earn you a discount on your car insurance. Most courses can be completed over a few hours or a weekend and are relatively affordable, making them a worthwhile investment.
  • Enroll in your insurance company’s telematics programs: More carriers are offering a program that discounts your car insurance premiums based on your driving habits. You typically need to download a mobile app that tracks your mileage and speed driven to determine how safely you drive. You may receive reductions on your car insurance based on good driving.
  • Bundle coverage: If you need home or renters insurance as well, buying car and home coverage could earn you a nice discount on both.

Frequently asked questions

How much is car insurance in Missouri per month?

average cable car policy rates in Missouri are $ 468 for minimum and $ 1,661 for fully indemnity. Based on the annual averages, your monthly premiums may be between $ 39 and $ 138, depending on your level of coverage .

How much insurance do I need in Missouri?

The express requires all drivers to have at least 25/50/10 in liability and 25/50 in uninsured motorist policy. That amounts to :

  • For bodily injury liability and uninsured motorist coverage: $25,000 per person and $50,000 per accident
  • Property damage liability: $10,000 per accident

What company has the cheapest car insurance rates in Missouri?

Bankrate found that smaller, local carriers offer cheaper car indemnity in Missouri than the well-known national brands, but your rate will depend on personal characteristics. Get several quotes to have a better theme of which providers may offer lower rates to you .


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, well credit and the following full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimal coverages that meet each state ’ s requirements. Our establish profile drivers own a 2019 Toyota Camry, commute five days a workweek and driveway 12,000 miles annually. Age: Rates were calculated by evaluating our basis visibility with the ages 18-60 ( base : 40 years ) applied. Incident: Rates were calculated by evaluating our basal profile with the following incidents applied : blank record ( base ), at-fault accident, one speed ticket, single DUI conviction and elapse in coverage .

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