Affordable Car Insurance In Missouri For 2022


WRITTEN BY: Julia Matseikovich

UPDATED: NOVEMBER 17, 2022 | 1 MIN READ

​​Finding cheap car insurance in Missouri is possible. The average cost of auto insurance in Missouri is $1,334 yearly – 6.5% less than the national average. Purchasing car insurance in Missouri doesn’t need to be stressful; we’re here to help walk you through the process.

Best Missouri Car Insurance Companies

Excellent car insurance comes in many forms. You might be looking for a cheap rate or the best customer service. Maybe discounts are important to you. Whatever you’re looking for, we have great options for you. 

Cheapest Missouri Car Insurance Company

State Farm has the cheapest car insurance in Missouri for minimum coverage. An average quote for Missouri car insurance is $419 yearly or $35 monthly.

Company With the Best Customer Service

USAA is always at the top of the list regarding excellent customer service. They received 879 out of 1,000 in J.D. Powers’ 2021 U.S. Auto Insurance Study. Only military members and their families qualify for USAA. The second in line for excellent customer service is Shelter Insurance. They’re a highly rated carrier with a score of 856.

Company With the Best Premium-Reducing Programs

An excellent company for premium-reducing car insurance in Missouri is Farmers. A great way to reduce premiums is to bundle your various insurance policies. There are also options to bundle personal and business coverages. The average cost of car insurance with Farmers is $1,320 yearly.

Company With the Best Discounts

An excellent company for auto insurance in Missouri that offers a lot of discounts is GEICO. Their premiums tend to be higher, but they provide a lot of discounts to bring down the cost of the premiums. The average cost of car insurance in Missouri is $1,713 yearly.

Missouri Insurance Demographics

Demographics play a considerable role in how insurers determine the cost of your insurance. Here are some demographics that they consider:

  • Crime Rates: Violent crime did rise in Missouri from 5.0 per 1,000 to 5.4. However, property crimes decreased from 26.6 per 1,000 to 25.3.
  • Average Household Income: The average household income is $78,194. The median household income is $57,290.
  • Median Age Range: The median age range is 38.3 years of age. 
  • Education: In Missouri, 29.9% of residents have a bachelor’s degree or higher.

Common Risk Factors In Missouri

The common risk factors that occur in Missouri that increase car insurance rates are:

  • Distracted driving
  • At-fault accidents
  • Reckless driving
  • DUI
  • Speeding
  • Racing
  • Property damage

Auto Insurance Laws In Missouri

Missouri car insurance mandates that all drivers must have 25/50/25 liability insurance. If you choose to drive without the minimum car insurance in Missouri, you face fines, penalties, and even jail time.

What are the minimum car insurance requirements in Missouri?

Your Missouri car insurance has to have the minimum coverage limits of $25,000 per person, and $50,000 per accident for bodily injury, with at least $25,000 for property damage. If you don’t meet the requirements, you face suspension of your license and registration.

Am I required to carry uninsured motorist coverage in Missouri?

Missouri car insurance laws require drivers to have at least $25,000 per person and $50,000 per accident of uninsured motorist coverage.

Missouri SR-22 policies

If you’ve had a DUI or another major conviction in Missouri, you’re legally required to obtain an SR-22. It’s a form issued by your insurance company to ensure you have car insurance in Missouri.

Is Missouri a no-fault state?

No, Missouri is not a no-fault state. This means the injured driver can claim with the at-fault driver for any damages from the accident. The at-fault driver is responsible for the damages, and the insurer pays up to the limits in the policy.

What happens if my vehicle isn’t properly insured?

Driving without car insurance in Missouri is a punishable offense. You may face the following penalties:

  • Fines: Up to $300-500
  • Suspensions: If you do it more than once, you face suspension of your license from 90 days to a year
  • Reinstatement Fees: You have to provide proof of insurance and a reinstatement fee of $20
  • Jail Time: You face jail time of up to 15 days

Does Missouri accept digital insurance cards?

Missouri Gov. Jay Nixon signed legislation stating that drivers may show proof of insurance digitally on their smartphones.

How Much Does Car Insurance In Missouri Cost?

The cost of auto insurance in Missouri depends on many factors, including the city you live in, age, gender, credit score, driving record, and the insurance company you choose.

Average Cost of Car Insurance By City

The cost of auto insurance in Missouri depends on the city that you live in. Below are great examples of how the cost of insurance changes depending on the city. 

CityAverage Missouri Car Insurance Cost
Columbia$1,500
Independence$1,730
Kansas City$1,860
St. Louis$2,280
Springfield$1,575

Average Cost of Car Insurance By Company

Not all insurance companies are created equal. Some have different discounts and policies, which change how your insurance is priced. 

Car Insurance CompanyAverage Full-Coverage Premium (Annually)
AAA$2,015
GEICO$1,715
MetLife$2,765
Safe Auto$2,155

Average Cost of Car Insurance By Age

Age is a huge factor in determining the cost of your insurance. Younger drivers typically pay more for car insurance in Missouri than experienced drivers. 

AgeAverage Full-Coverage Premium (Annually)
Age 16$2,390
Age 18$5,055
Age 20$985
Age 25$2,110
Age 30$1,900
Age 40$1,770
Age 50$1,595
Age 60$420
Age 70$1,660

Average Cost of Car Insurance By Credit Score

A credit score does affect the cost of your car insurance in Missouri. Historically drivers with excellent credit scores tend to be more dependable drivers. 

Credit ScoreAverage Premium (Annually)
Very Poor$2,905
Fair$2,290
Good$1,780
Very Good$1,405
Great$1,115

Average Cost of Car Insurance By Driving Record

Your driving record significantly impacts what you pay for auto insurance in Missouri. If you have a DUI on your record, you likely pay more insurance than someone with a clean driving record. 

Driving IncidentAverage Full-Coverage Premium (Annually)
Speeding Ticket$1,960
Accident$2,235
DUI/DWI$2,715

What Optional Missouri Auto Insurance Coverages Should You Consider?

State residents the following optional coverages available:

  • Comprehensive
  • Collision
  • Roadside assistance
  • Option bodily injury
  • Limited collision
  • Medical payments
  • Underinsured motorist bodily harm
  • Loan/lease payoff
  • Rental car reimbursement

What Auto Insurance Discounts To Look For In Missouri

There are discounts available for Missouri drivers. Discounts vary depending on your driving record, chosen insurer, and the car you drive. Some discounts include policy bundling, low mileage, driver education, good driver, multi-car, and new driver discounts.

FAQs

Is car insurance cheaper in Missouri?

The average cost of auto insurance in Missouri is $1,334 yearly – 6.5% less than the national average. 

Is car insurance required in Missouri?

Yes. You face penalties, fines, suspension, and even jail time if you don’t have the minimum liability coverage. 

What is full-coverage insurance in MO?

Full-coverage car insurance in Missouri consists of the state’s minimum liability coverage.

Is Mo a no-fault state?

No, Missouri is not a no-fault state. This means the injured driver can claim with the at-fault driver for any damages from the accident.

Does insurance follow the car or the driver in Missouri?

Car insurance in this state follows the car and not the driver. That means your vehicle is driven by someone else, and your insurer still pays the damages when an accident happens.

How To Purchase Car Insurance In Missouri

Purchasing car insurance in Missouri isn’t difficult. Once you decide which coverages you want, get several quotes from different companies. Use our online quote tool to do this in minutes. Then, choose the policy that’s right for you.