Car Insurance in Missouri
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The average semiannual cost of car insurance in the state of Missouri is $836.36. An insured premiums are influenced by more variables than purely their place of residence. Car insurance underwriters calculate auto insurance rates after assessing a range of criteria such as the policyholder’s age, driving record, marital status, and credit rating. We examined typical car insurance costs in Missouri across each of the predominant rating factors. We aim to provide consumers insight to identify a car insurance policy that meets their needs and budget.
Company | Semi Annual Permium |
USAA | $540.00 |
Travelers | $664.00 |
Nationwide | $771.00 |
State Farm | $804.50 |
GEICO | $898.50 |
Progressive | $977.50 |
Allstate | $1,199.00 |
*Data Methodology – Updated 3/2/2024
The Missouri car insurance rates are based on a 35-year-old male with the most popular car (Honda Accord) living in MO. The Quote is for full coverage with comprehensive at $500 deductible and collision at $500 deductible.
Missouri state law requires all vehicle owners to carry a minimum amount of auto insurance coverage. This minimum coverage includes:
Bodily Injury Liability coverage of $25,000 per person and $50,000 per accident. Bodily injury liability coverage pays for injuries that you cause to other drivers or passengers in an at-fault accident.
Property Damage Liability coverage of $10,000. Property damage liability coverage pays for damages to other vehicles and property that you cause in an at-fault accident. This includes repair costs, diminished value of the vehicle, and lost wages due to a totaled vehicle.
Uninsured Motorist coverage of $25,000 per person and $50,000 per accident. Uninsured motorist coverage pays for injuries to you and your passengers if you are in an accident caused by a driver who does not have insurance or has inadequate insurance.
Underinsured Motorist coverage of $25,000 per person and $50,000 per accident. Underinsured motorist coverage pays for injuries to you and your passengers if you are in an accident caused by a driver with liability insurance limits that are too low to fully cover the damages.
Medical Payments coverage of $1,000 per person. Medical payments coverage pays for medical expenses for you and your passengers regardless of fault in the accident.
In the state of Missouri, driving without insurance is a serious offense that can lead to heavy penalties. All motor vehicles operated on public roads are required by law to carry minimum liability insurance coverage. Those who fail to comply face penalties imposed by both the state and local authorities.
The minimum penalties for driving without insurance in Missouri include:
Auto insurance rates in Missouri are determined by a number of factors that impact an individual driver’s risk profile. Insurance companies evaluate these criteria to assign appropriate premiums to their policyholders.
Some of the main factors that affect auto insurance rates in Missouri are:
Car insurance is required by law in Missouri, but premiums can vary widely based on your driving history, credit score, age, and other factors. However, there are several ways you can qualify for lower rates or even free or reduced-cost insurance.
The average annual premium for full coverage car insurance in Missouri is $1,011. Full coverage includes collision, comprehensive, bodily injury, property damage, uninsured motorist, and other optional coverages in addition to the state minimum liability limits.
Several factors impact car insurance rates in Missouri, including:
Drivers can often save money on car insurance by maintaining a clean driving record, improving their credit score, driving less annually, and choosing a vehicle that is less expensive to insure. Bundling auto and homeowners insurance with the same company may also provide discounts.
Missouri drivers have plenty of options when it comes to choosing a car insurance provider. Here are the 10 largest car insurance companies in Missouri based on premium volume: