How Much Is Car Insurance In Missouri? 2025 Rates

Missouri is known for its vibrant culture, delicious food, and beautiful landscapes, and it also offers relatively affordable car insurance. The average annual cost for full coverage is $2,568, which is below the national average of $2,629. For minimum coverage, the average cost is $642 per year, also lower than the national average of $742.

In this article, we’ll explore the different types of car insurance in Missouri, their costs, and how these costs are impacted by different factors such as age, location, coverage type, and more. With over 12 years of experience as a licensed insurance agent, I’m here to help you make an informed choice.

Cost Of Car Insurance In Missouri By Age

Young drivers are more likely to be involved in accidents than any other age group, which is why their insurance rates tend to be higher. For example, teenagers pay an average of $7,783 for car insurance in Missouri. However, as you reach your mid-20s, your rates will likely start to decrease and stay lower until you hit your 70s.

Below is a table showing the average car insurance costs by age:

Average Missouri Auto Insurance Rates By Insurance Company

Car insurance rates differ between companies because each one considers various factors when setting its prices. These can include the risk of a driver making a claim, the value of the car, the location, and more.

When you’re comparing quotes, you should look at factors like the type and amount of coverage, the deductible, available policy options, and whether you’re buying through an agent or broker.

The most preferred car insurance companies in Missouri are American Family, State Farm, GEICO, and USAA.

Below is a table showing the average auto insurance rates from six major providers in Missouri:

Average Missouri Car Insurance Premiums By Credit Score

In Missouri, your credit-based insurance score can impact your car insurance rates. If you have a poor credit score, you may pay up to 134% more for car insurance compared to someone with an excellent credit score.

Below is a table showing the average car insurance premiums based on different credit score categories in Missouri.

Average Car Insurance Costs In Missouri By Gender

Gender can affect car insurance rates because statistics show that, on average, men are more likely to be involved in risky driving behavior, such as speeding or accidents. As a result, young men usually pay higher car insurance premiums than young women. In Missouri, you can only expect a slight difference in rates between males and females.

Here’s a table showing the average car insurance costs by gender in Missouri:

Cost Of Missouri Car Insurance By Driver Record

A driver’s history plays a big role in setting car insurance rates. Insurance companies look at a driver’s past to assess their risk level, which then affects the cost of their premium. Drivers with clean records, free of tickets, accidents, or DUIs, are seen as less risky and usually pay lower premiums.

Here is a table displaying average car insurance costs based on different driving records in Missouri:

Average Missouri Auto Insurance Costs By Marital Status

Your marital status can have a big impact on your car insurance rates. Insurance companies often see married people as more stable drivers, which means they’re less likely to take risks on the road. As a result, married couples usually pay lower premiums compared to single drivers.

Here is a table displaying average car insurance costs by marital status in Missouri:

Cost Of Car Insurance In Missouri By Coverage Type

Car insurance rates can differ significantly depending on the amount of coverage you select. Generally, higher coverage leads to higher premiums.

For instance, in Missouri, the minimum car insurance requirements include bodily injury coverage of $25,000 per person and $50,000 per accident, property damage coverage of $25,000 per accident, and uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident. The more coverage you choose beyond these minimums, the more your insurance will likely cost.

Here is a table displaying average car insurance costs by coverage type in Missouri:

Average Missouri Car Insurance Rates By City

Where you live plays a big role in your car insurance rates. Insurance companies look at the risk of accidents, theft, and vandalism in different areas. As a result, people living in busy cities with lots of traffic often pay higher premiums compared to those in rural areas, where the chances of claims are lower.

In the following table, we explore the average car insurance costs in eight different Missouri cities to illustrate these differences.

Average Missouri Car Insurance Rates By ZIP Code

Car insurance rates in Missouri can vary significantly depending on the zip code you live in. Urban areas, with higher traffic density and greater risk of accidents, often have higher rates compared to rural areas, where accidents are less frequent.

The table below shows the average car insurance rates in various Missouri zip codes, highlighting how rates vary depending on the location.

Missouri Car Insurance Prices Compared To Other U.S. States

Car insurance in Missouri is generally cheaper than the national average. However, factors like your age, driving record, and more can still affect your rates. Understanding how Missouri’s rates compare to other states can help you decide if you’re paying a fair price for coverage.

In the table below, we’ve provided a detailed comparison of average car insurance rates across the U.S., so you can see how Missouri’s rates measure up on a national scale.