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Average cost of car insurance in Missouri in 2024

Updated Apr 16, 2024
Missouri car insurance costs an average of $2,517 per year for full coverage and $653 per year for minimum coverage.
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How much is car insurance in Missouri? 

Missouri car insurance rates average $2,517 per year for full coverage and $653 per year for minimum coverage. The cost of full coverage car insurance in Missouri is well above the national average costs of car insurance, which is $2,314, while minimal coverage is lower than the national average of $644. Your own rate will vary based on a number of factors, including the city you live in and the type of vehicle you drive, as well as your age, gender, driving record, credit rating and more.

We sourced average premium data for drivers in a variety of circumstances from Quadrant Information Services. These can give you a benchmark to consider when you are shopping for your own policy. By comparing quotes from a range of carriers and taking advantage of discount opportunities, you may be able to secure a rate that is below average.

Key takeaways

  • On average, Missouri drivers pay 9 percent more than the national average cost of full coverage car insurance and 1 percent more than the national average for minimum coverage.
  • The average monthly cost of car insurance in Missouri is $210 for full coverage and $54 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 $7,241 per year for full coverage.
  • A DUI conviction in Missouri raises average full coverage car insurance premiums by 50 percent more.
  • Drivers with poor credit pay over 83 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.

City Avg. monthly full coverage premium Avg. annual full coverage premium Avg. savings vs. state average

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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).

Age 16*
Avg. monthly full coverage premium in MO
$452
Avg. annual full coverage premium in MO
$5,430
Age 18
Avg. monthly full coverage premium in MO
$603
Avg. annual full coverage premium in MO
$7,241
Age 20
Avg. monthly full coverage premium in MO
$492
Avg. annual full coverage premium in MO
$5,909
Age 25
Avg. monthly full coverage premium in MO
$267
Avg. annual full coverage premium in MO
$3,206
Age 30
Avg. monthly full coverage premium in MO
$225
Avg. annual full coverage premium in MO
$2,696
Age 40
Avg. monthly full coverage premium in MO
$214
Avg. annual full coverage premium in MO
$2,562
Age 50
Avg. monthly full coverage premium in MO
$201
Avg. annual full coverage premium in MO
$2,412
Age 60
Avg. monthly full coverage premium in MO
$201
Avg. annual full coverage premium in MO
$2,409
Age 70
Avg. monthly full coverage premium in MO
$193
Avg. annual full coverage premium in MO
$2,317
Age 40
Avg. monthly full coverage premium in MO
$214
Avg. annual full coverage premium in MO
$2,562
Age 50
Avg. monthly full coverage premium in MO
$201
Avg. annual full coverage premium in MO
$2,412
Age 60
Avg. monthly full coverage premium in MO
$201
Avg. annual full coverage premium in MO
$2,409
Age 70
Avg. monthly full coverage premium in MO
$193
Avg. annual full coverage premium in MO
$2,317
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
Age 16*
Avg. monthly full coverage premium in MO
$391
Avg. annual full coverage premium in MO
$4,694
Age 18
Avg. monthly full coverage premium in MO
$515
Avg. annual full coverage premium in MO
$6,176
Age 20
Avg. monthly full coverage premium in MO
$405
Avg. annual full coverage premium in MO
$4,862
Age 25
Avg. monthly full coverage premium in MO
$243
Avg. annual full coverage premium in MO
$2,911
Age 30
Avg. monthly full coverage premium in MO
$218
Avg. annual full coverage premium in MO
$2,614
Age 40
Avg. monthly full coverage premium in MO
$206
Avg. annual full coverage premium in MO
$2,472
Age 50
Avg. monthly full coverage premium in MO
$205
Avg. annual full coverage premium in MO
$2,456
Age 60
Avg. monthly full coverage premium in MO
$202
Avg. annual full coverage premium in MO
$2,428
Age 70
Avg. monthly full coverage premium in MO
$193
Avg. annual full coverage premium in MO
$2,319
Age 40
Avg. monthly full coverage premium in MO
$206
Avg. annual full coverage premium in MO
$2,472
Age 50
Avg. monthly full coverage premium in MO
$205
Avg. annual full coverage premium in MO
$2,456
Age 60
Avg. monthly full coverage premium in MO
$202
Avg. annual full coverage premium in MO
$2,428
Age 70
Avg. monthly full coverage premium in MO
$193
Avg. annual full coverage premium in MO
$2,319
*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied
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Bankrate’s take: Young drivers have less experience behind the wheel and are statistically shown to be more likely to engage in risky behavior, such as texting while driving. This makes them more likely to be involved in accidents than older drivers. Statistics also show that young male drivers are more often involved in accidents than female drivers of the same age — thus, their rates are usually higher. According to the Insurance Institute for Highway Safety (IIHS), about two out of every three teens killed in crashes in 2021 were males.

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 59 percent more per year for full coverage on their own policy versus their parents’ policy, for example.

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Age 16*
Avg. annual premium for drivers in MO
$5,062
Age 17
Avg. annual premium for drivers in MO
$4,586
Age 18
Avg. annual premium for drivers in MO
$4,230
Age 19