Are Auto Insurance Rates Going Up or Down in Missouri?

Many drivers are aware from personal experience that auto insurance prices tend to rise every year. But rate hikes aren't always the prevailing trend, and rate changes can be isolated to specific regions.

Location is among the primary rating factors used by insurance companies to set rates. The state, city, and ZIP code in which a vehicle is parked and driven help decide auto insurance prices, which comes down state laws and the risks associated with insuring cars in varying areas.

Because auto insurance pricing is so multi-faceted, yearly rate trends vary by state. Auto insurance prices might be increasing annually in a given state but decreasing in a neighboring state.

See below trending auto insurance prices in Missouri. If you're paying too much, consider shopping around to find a better rate. The Zebra's car insurance comparison tool furnishes car insurance rates based on your individual profile — enter your ZIP below to get started.


Auto insurance price trends in Missouri


In Missouri, the average annual auto insurance premium went up by $64 in the past year. The typical driver in Missouri now pays an average premium of $1,410 per year.

The trend in Missouri is leaning toward higher car insurance. Between 2015 and 2018, rates increased by an average of $354 each year. At the same time, car insurance rates nationwide have gone up recently, climbing from $1,280 in 2015 to $1,470 in 2018.


YEARLY AUTO INSURANCE RATE TRENDS IN MISSOURI
Year Avg. Annual Premium — Missouri Yearly Change — Missouri Avg. Annual Premium — USA Yearly Change — US
2018 $1,410 $64 $1,470 $32
2017 $1,346 -$197 $1,437 $69
2016 $1,543 $487 $1,368 $88
2015 $1,056 $43 $1,280 $51
2014 $1,013 -$87 $1,229 $34
2013 $1,100 $83 $1,195 -$80
2012 $1,017 $15 $1,276 $82

If your policy pricing trend doesn't align with the above, the best step to take is to shop around.


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How are auto insurance rates changing in the biggest cities in Missouri?


Auto insurance policies are priced at a granular geographic level with myriad variables influencing premiums in the area. That means drivers could see major differences in their insurance rates, based solely on their city or ZIP code. For example, Springfield drivers experienced a larger premium increase (6.6%) than did drivers in Columbia (6.2%) between 2018 and 2017.

See below annual rate changes in large Missouri cities. If your city is on the expensive side — and moving isn't an option — consider shopping around for a more affordable rate.


City Avg. Rate Increase — 2018 vs. 2017
Springfield 6.6%
Columbia 6.2%
Kansas City 6.2%
Blue Springs 5.8%
Lee's Summit 4.2%

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance