Car Insurance in Missouri
Missouri drivers spend an average of $1,155 a year on auto insurance according to the NAIC — ▼ −10% versus the national average of $1,282, ranking 22nd most expensive of 51. The state requires 25/50/25 liability coverage and follows an at-fault system.
Average car insurance cost in Missouri
The NAIC average expenditure is what insured drivers actually paid on average, including people who carry only liability. For those who buy each coverage, the average premium was $614 for liability, $400 for collision and $308 for comprehensive ($1,323 combined, versus $1,439 nationally). That average expenditure is 15% higher than the NAIC's previous data year ($1,004). Comprehensive coverage costs notably more than the U.S. average here, which usually reflects weather (hail, wind, flooding) and theft losses.
Minimum car insurance requirements in Missouri
Missouri's minimum is written as 25/50/25: $25,000 per person / $50,000 per accident in bodily injury liability and $25,000 in property damage liability. Those limits are low compared with the cost of a serious injury claim, so many drivers choose 100/300/100 — we estimate that "standard" level at about $740 a year here, $230 more than the minimum.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Missouri does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is optional. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Proof of insurance must be shown to register or renew plates and kept in the vehicle.
The minimum property damage limit was raised from $10,000.
Compare with another state
Is Missouri a no-fault state?
No — Missouri is an at-fault (tort) state. Missouri is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage. Injured people can claim against the at-fault driver's insurer, use their own coverage, or sue.
Uninsured drivers in Missouri
The Insurance Research Council estimates 20.7% of Missouri drivers are uninsured — 6th highest in the country, compared with 15.4% nationally. That's roughly one uninsured driver in every 5 on the road. Missouri requires uninsured motorist coverage, which pays your injury costs when the at-fault driver has no insurance.
SR-22 requirements in Missouri
Missouri uses the SR-22 — a certificate your insurer files with the state to prove you carry at least the minimum liability coverage. It is usually ordered after a DUI, driving uninsured, serious violations or a license suspension, and is typically kept for about 2 years. The Department of Revenue generally requires an SR-22 for two years from the start of a suspension; some insurance-related suspensions require three years.
By our model, a driver in their 30s with a DUI would pay about $970 a year for minimum coverage in Missouri, versus $510 with a clean record. What is SR-22 insurance?
Estimate your premium in Missouri
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Car insurance by city in Missouri
We cover 8 Missouri cities. Estimates are for full coverage for a driver in their 30s with a clean record; hover a city to find it on the map. The lowest estimate is in Columbia ($1,485) and the highest in O'Fallon ($1,665).
- Kansas CityPop. 516,032 · Jackson County$1,550+7% vs state
- St. LouisPop. 279,695 · St. Louis city$1,650+14% vs state
- SpringfieldPop. 170,596 · Greene County$1,515+4% vs state
- ColumbiaPop. 130,900 · Boone County$1,485+2% vs state
- IndependencePop. 121,629 · Jackson County$1,580+9% vs state
- Lee's SummitPop. 106,419 · Jackson County$1,605+11% vs state
- O'FallonPop. 95,355 · St. Charles County$1,665+15% vs state
- St. CharlesPop. 72,458 · St. Charles County$1,600+10% vs state
Estimated cost by driver profile in Missouri
Age and driving record move premiums more than almost anything else. A teen on their own policy pays about 2.8× what a driver in their 30s pays for the same full coverage in Missouri.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,410 | $2,040 | $3,990 | $333 |
| Young adult (22) | $820 | $1,190 | $2,320 | $193 |
| Adult in their 30s | $510 | $740 | $1,450 | $121 |
| Adult in their 50s | $470 | $685 | $1,335 | $111 |
| Senior (72) | $575 | $830 | $1,625 | $135 |
| 30s, one at-fault accident | $740 | $1,075 | $2,105 | $175 |
| 30s, DUI on record | $945 | $1,375 | $2,685 | $224 |
By coverage level
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $510 | $43 | $420–$605 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $740 | $62 | $610–$875 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,450 | $121 | $1,190–$1,710 |
Cheapest and most expensive cars to insure in Missouri
Full-coverage estimates for current models, using HLDI insurance-loss data where available. Vehicle choice alone can swing the premium by more than $3,050 a year here.
| Model | Segment | Est. / year |
|---|---|---|
| Chevrolet Traverse | Midsize SUV | $930 |
| GMC Acadia | Midsize SUV | $980 |
| Subaru Crosstrek | Small SUV | $1,065 |
| Subaru Forester | Small SUV | $1,070 |
| Honda CR-V | Small SUV | $1,090 |
| Honda Pilot | Midsize SUV | $1,090 |
| Subaru Outback | Wagon | $1,095 |
| MINI Cooper | Subcompact car | $1,095 |
| Ford Bronco | Midsize SUV | $1,145 |
| Acura RDX | Luxury SUV | $1,150 |
| Model | Segment | Est. / year |
|---|---|---|
| Lamborghini Urus | Luxury SUV | $3,980 |
| BMW M4 | Luxury sports car | $3,905 |
| BMW M3 | Luxury car | $3,860 |
| BMW 7 Series | Luxury car | $3,500 |
| Mercedes-Benz S-Class | Luxury car | $2,985 |
| Mercedes-Benz G-Class | Luxury SUV | $2,585 |
| Lucid Air | Luxury car | $2,545 |
| Audi RS 7 | Luxury car | $2,405 |
| Mercedes-Benz SL-Class | Luxury sports car | $2,270 |
| Porsche Taycan | Luxury sports car | $2,230 |
Cheap car insurance in Missouri: how to lower your rate
- Raise your deductible. Going from $500 to $1,000 on collision and comprehensive saves about $100 a year on a typical Missouri full-coverage policy.
- Match coverage to your car's value. On a 10-year-old car, dropping collision and comprehensive could cut the bill from about $1,130 to $740.
- Drive less, pay less. Low-mileage and usage-based programs can save around $100 a year if you drive under 7,500 miles.
- Protect your record. A single speeding ticket adds roughly $320 a year in our model; an at-fault accident adds much more.
- Shop at renewal. Rates for the same driver differ widely between insurers. Compare identical limits and deductibles.
- Ask about discounts — bundling home and auto, good student, safe-driver, paid-in-full and defensive-driving course discounts. See common discounts.
Complaints and help: Missouri Department of Commerce and Insurance
The Missouri Department of Commerce and Insurance licenses insurers and agents, reviews rates and handles consumer complaints about claims, cancellations and billing — free of charge.
- Website
- insurance.mo.gov
- File a complaint
- Consumer complaint page
- Consumer helpline
- 1-800-726-7390
Missouri vs. neighboring states
| State | NAIC avg. | Minimums | System | Uninsured |
|---|---|---|---|---|
| Missouri | $1,155 | 25/50/25 | At-fault (tort) | 20.7% |
| Arkansas | $1,051 | 25/50/25 | At-fault (tort) | 12.1% |
| Illinois | $1,153 | 25/50/20 | At-fault (tort) | 15.2% |
| Iowa | $873 | 20/40/15 | At-fault (tort) | 11.4% |
| Kansas | $973 | 25/50/25 | No-fault | 12.0% |
| Kentucky | $1,046 | 25/50/25 | Choice no-fault | 14.1% |
| Nebraska | $981 | 25/50/25 | At-fault (tort) | 9.5% |
| Oklahoma | $1,084 | 25/50/25 | At-fault (tort) | 12.0% |
| Tennessee | $1,050 | 25/50/25 | At-fault (tort) | 21.3% |
Frequently asked questions
How much is car insurance in Missouri?
NAIC data puts the average Missouri auto insurance expenditure at $1,155 a year, 10% less than the national average of $1,282 (rank 22 of 51, where 1 is the most expensive). Our estimate for full coverage for a driver in their 30s with a clean record is about $1,450 a year ($121 a month); state-minimum liability is about $510.
What is the minimum car insurance required in Missouri?
Missouri requires at least 25/50/25 liability coverage: $25,000 per person / $50,000 per accident for bodily injury and $25,000 for property damage, plus uninsured motorist coverage.
Is Missouri a no-fault state?
No. Missouri is an at-fault (tort) state: the driver responsible for a crash, through their liability insurance, pays for the other party's injuries and property damage.
How many drivers in Missouri are uninsured?
The Insurance Research Council estimates that about 20.7% of Missouri drivers are uninsured, ranking 6th in the nation (national estimate: 15.4%).
Does Missouri require SR-22 insurance?
Yes, Missouri uses the SR-22 certificate for drivers who must prove financial responsibility, typically for about 2 years. The Department of Revenue generally requires an SR-22 for two years from the start of a suspension; some insurance-related suspensions require three years.
Which Missouri city has the cheapest car insurance?
Among the 8 cities we cover, Columbia has the lowest full-coverage estimate at about $1,485 a year, while O'Fallon is the highest at about $1,665. Differences come from population density, commute length and local weather risk.
How much does car insurance cost for a teen driver in Missouri?
An 18-year-old on their own full-coverage policy would pay roughly $3,990 a year in Missouri by our estimate, or about $1,410 for minimum coverage. Joining a parent's policy usually costs less.
How do I file a complaint against a car insurance company in Missouri?
Contact the Missouri Department of Commerce and Insurance (consumer line 1-800-726-7390). It handles consumer complaints about claims, cancellations and rates at no cost.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Missouri Department of Revenue: Insurance Information
- RSMo 379.203 (uninsured motorist coverage)
- RSMo 303.190 (motor vehicle liability policy limits)
- Missouri Department of Revenue: Mandatory Insurance FAQs (SR-22)
- Missouri DCI: Consumer Guide to Automobile Insurance
- Missouri DCI: Insurance Complaints
- NAIC 2022/2023 Auto Insurance Database Report, Table 41 (liability limits history)
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau: population estimates and American Community Survey
- FEMA National Risk Index