What's the Average Cost of Auto Insurance in Missouri?

The Zebra
Oct. 11, 2018

Auto insurance is generally inexpensive in Missouri. The average auto insurance rate in Missouri is $1,334 per year — 6.5% less than the US average.

But auto insurance prices are impacted by factors aside from location. Car insurance premiums incorporate myriad factors, such as your age, gender, marital status, credit rating, and driving history.

We assessed average Missouri auto insurance rates by all of the major rating factors. Read on to learn how much auto insurance costs in each US state — or enter your zip code to receive unique prices from top car insurance companies.


Average Car Insurance Rates in Missouri by Age

It's unavoidable: as you grow older, your auto insurance rates change. Generally speaking, car insurance is more costly for teenage drivers, as car insurance companies consider inexperienced motorists as more risky.

In Missouri, car insurance runs $6,886 annually for a 16-year-old driver, but only $1,104 yearly for a driver in their 50s.


MISSOURI AUTO INSURANCE RATES BY AGE
Age Average Annual Rate
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



Average Car Insurance Premiums in Missouri by Gender

While gender doesn’t carry as sizable an effect on car insurance rates as location or age, it is used as a rating factor. Men pay less than do women for auto insurance in Missouri, but the gap is only $2.89 per year.

MISSOURI AUTO INSURANCE RATES BY GENDER
Gender Average Annual Cost
Male $1,314.67
Female $1,317.56



Mean Auto Insurance Premiums in Missouri by Marital Status

One benefit of married life — aside from the wedding gifts — is the improved deal you may get on your car insurance policy. In Missouri, wedded drivers save $75 each year on auto insurance. This is less than the national mean of $76.


MISSOURI CAR INSURANCE RATES BY MARITAL STATUS
Marital Status Average Annual Rate
Single $1,314.67
Married $1,239.19
Divorced $1,290.10
Widowed $1,298.03



Average Car Insurance Rates in Missouri by Credit Score

Insurers use credit history as a prediction of the reliability of a prospective client. Data suggest drivers with good credit histories are more insurable car insurance clients: they're less likely to file claims covered by auto insurance.

In Missouri, a driver who carries excellent credit saves $1,787.82 annually on car insurance, contrasted with a driver who has a low credit score. Read more about how credit history can impact auto insurance expenditures:


MISSOURI CAR INSURANCE PRICES BY CREDIT TIER
Credit Quality Average Annual Premium
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



Average Car Insurance Prices for Bad Drivers in Missouri

If you’re discovered to be at fault for a car crash or found guilty of a vehicular violation, your car insurance rates are bound to rise. The more violations you accumulate, the pricier your car insurance becomes.

In Missouri, your first at-fault fender bender results in a penalty of $528.31 each year in auto insurance premiums. A DUI or DWI — thought of as one of the most severe vehicular violations — may raise your annual insurance expenditure in Missouri by an average of $491.07.


MISSOURI AUTO INSURANCE PRICES AFTER INFRACTIONS
Age Average Yearly 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 policy is more costly than the state average, consider comparing options to discover inexpensive coverage that suits your needs.


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