Average cost of car insurance in Missouri for 2023

How much is car insurance in Missouri?

Missouri car insurance rates average $1,943 per year for full coverage and $490 per year for minimum coverage, which is well below the national average cost of car insurance, which is $2,014 and $622 respectively. Your own rate will vary by a number of factors, though, including the city you live in, your age and gender, your driving record, your credit rating and the type of vehicle you drive.

Missouri car insurance rates by city

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

Average car insurance costs by age and gender

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, which translates to higher rates. Your premium will likely decrease as you get older, and gain more experience on the road. The tables below showcase the average cost of car insurance in Missouri for drivers of varying ages, who have clean driving records and own their own policies (with the exception of the 16-year-olds, who are rated on 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 in most cases. 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. 18-year-olds pay just over $2,000 more per year for full coverage on their own policy vs. their parents’ policy, for example.

*16- and 17-year-old drivers must be on their parents’ policy. 

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. 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 to drivers who are at a higher risk for causing accidents and serious injuries. The table below shows the average premium in Missouri after a speeding ticket conviction, at-fault accident and DUI conviction, and highlights how much the premium increases over the state average.

Car insurance rates in Missouri by credit score

Missouri, like most states, allows the use of your credit tier as a car insurance rating factor. 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 62 percent more than the state average for full coverage, while drivers with excellent credit pay 16 percent less than average.

Missouri car insurance rates by vehicle type

You may still be wondering, “How much is car insurance in Missouri for my car?” Your vehicle type is one of the biggest rating factors for your car insurance policies. 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 $2,657 per year on average to insure, while a Ford F-150 costs $1,673 per year. If you’re in the market for a different car, getting quotes may help you better understand your insurance costs before committing.

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 offer to dismiss one accident or claim from your record every few years. Doing so could help you maintain more steady rates after an accident, although the feature can typically only be used once within a certain number of years. 
• 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.
• Enroll in telematics programs: More carriers are offering telematics programs that discount your car insurance premiums based on your driving habits. You typically need to download a mobile app that tracks metrics like hard breaks 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, bunding your various policies could earn you a discount.

Estimate your car insurance cost in Missouri