How Much is Car Insurance in Missouri?

The Zebra
Feb. 8, 2019

Car insurance is relatively cheap in Missouri. The average car insurance cost in Missouri is $1,334 annually — 6.5% less than the national average.

Your car insurance premiums are impacted by factors aside from state lines. Auto insurance premiums consider an array of factors, including your marital status, driving history, credit rating, gender, and age.

We analyzed mean Missouri car insurance prices by each of the major rating factors. See below how much auto insurance costs in each location — or submit your zip to view tailored rates from top insurance companies.


Find affordable insurance in Missouri today!



Average Missouri car insurance rates by:


  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Average Auto Insurance Costs in Missouri by Age

It’s a fact of life: as you age, your car insurance rates change. Generally speaking, car insurance is more expensive for young drivers, as car insurance companies consider inexperienced drivers as less responsible.

In Missouri, car insurance costs $6,886 per year for a 16-year-old driver, but only $1,104 annually for a driver in his or her 50s.


MISSOURI AUTO INSURANCE COSTS BY AGE BRACKET
AgeAverage Yearly Premium
16$6,885.80
17$5,287.86
18$4,556.33
19$3,170.34
20s$1,811.98
30s$1,284.48
40s$1,204.89
50s$1,104.38
60s$1,109.05
70s$1,314.45

If you're shopping for car insurance for a teen driver, Missouri is the state in which to buy auto insurance for a 16-year-old.




Average Auto Insurance Costs in Missouri by Gender

While gender doesn’t carry as large an impact on auto insurance rates as a driver's location or age, it is incorporated as a rating factor by car insurance companies.


MISSOURI CAR INSURANCE PRICES BY GENDER
GenderAverage Annual Cost
Male$1,314.67
Female$1,317.56

If you're concerned you aren't getting the best value for your money with your current car insurer, the best course of action is to compare rates and shop around.




Average Auto Insurance Rates in Missouri by Marriage Status

One benefit of getting hitched — aside from the wedding gifts — is the better deal you often earn on your car insurance policy. In Missouri, wedded drivers save $75 per year on car insurance. This is less than the US post-wedding price cut of $76.


MISSOURI AUTO INSURANCE PREMIUMS BY MARITAL STATUS
Marital StatusAverage Annual Premium
Single$1,314.67
Married$1,239.19
Divorced$1,290.10
Widowed$1,298.03

Car insurance for divorced drivers in Missouri is the 29th most expensive in the . If you are paying too much for your coverage, weigh your options. You never know when you'll find a great deal!




Average Car Insurance Rates in Missouri by Credit Tier

Auto insurance companies use credit as a prediction of the reliability of a prospective customer. Data demonstrate motorists with superior credit are usually more dependable car insurance clients: they less frequently file claims , saving insurance companies claims payout costs.

In Missouri, a car insurance client who has excellent credit saves $1,787.82 each year on car insurance rates, compared with a driver with a bad credit score. Learn more about how credit score affects car insurance outlays:


MISSOURI CAR INSURANCE RATES BY CREDIT QUALITY
Credit TierAverage Yearly Rate
Very Poor (300-579)$2,902.44
Fair (580-669)$2,286.11
Good (670-739)$1,780.25
Very Good (740-799)$1,403.92
Exceptional (800-850)$1,114.62

Finding cheap auto insurance when you have bad credit can be tough. But we're here to provide some help. Read our guide to getting auto insurance with poor credit and learn how to save!




Average Auto Insurance Costs for High-Risk Drivers in Missouri

If you are determined to be at fault after a car accident or found guilty of a driving offense, your auto insurance rates are bound to rise. The more violations you accumulate, the pricier your auto insurance gets.

In Missouri, your first minor at-fault crash leads to a penalty of $528.31 each year in car insurance premiums. A DUI or DWI — one of the most serious driving violations — could lift your insurance rates in Missouri by an average of $491.07.


MISSOURI AUTO INSURANCE PRICES WITH OFFENSES
AgeAverage Annual Rate
DUI or DWI$1,825.45
Reckless Driving$1,805.10
At-Fault Accident (<$1,000)$1,862.69
At-Fault Accident ($1,000-$2,000)$2,535.43
At-Fault Accident (>$2,000)$1,862.69
Open Container$2,461.48
Speeding (21-25 MPH > limit)$2,219.73
Speeding (16-20 MPH > limit)$2,177.22

If your premiums are above-average, consider shopping policies to get affordable insurance coverage that suits your needs.




Typical Car Insurance Costs by Coverage Amount in Missouri

How much you pay every month for car insurance depends on how much coverage you carry. A liability-only policy generally costs less, while low-deductible comprehensive coverage costs more. In Missouri, the price gap between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $788.


MISSOURI AUTO INSURANCE PREMIUMS BY COVERAGE LEVEL
Coverage LevelAverage Annual Premium
$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only$581
$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,205
$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,362
$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only$512
$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision$1,140
$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision$1,298
State Minimum — Liability Only$432
State Minimum — $1,000 Comprehensive/Collision$1,062
State Minimum — $500 Comprehensive/Collision$1,220

If you're in need of affordable auto insurance, consider comparing options to find affordable coverage that works for you.