Car Insurance in Missouri
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Missouri Car Insurance Quotes
Missouri residents pay an average of $181 monthly for car insurance, comparable to the national average rate of $189. While the state boasts a mid-range population density, frequent thunderstorms can make for difficult driving conditions, increasing the risk of accidents and insurance premiums. Other considerations that can impact Missouri car insurance rates include the driver's age and driving history, vehicle type and safety features, and discount availability.
Read on to learn more about properly insuring your car in Missouri.
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Missouri Car Insurance Laws
If you plan on driving in "The Show Me State," be ready to show proof of insurance. Missouri car insurance laws specify that drivers must carry liability insurance or face a range of penalties. Moreover, drivers must keep proof of coverage in the vehicle at all times.
Missouri’s car insurance minimums are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per person for property
Cheapest Insurance in Missouri
We partner with insurance experts to analyze millions of data points and get you the best car insurance in Missouri.
If you're shopping for a new Missouri policy, learn how comparing car insurance quotes can save you money.
| Rank | Insurance company | Average monthly premium |
|---|---|---|
| 1 | USAA | $90 |
| 2 | Travelers | $117 |
| 3 | Auto Owners | $118 |
| 4 | State Farm | $149 |
| 5 | Progressive | $152 |
| Avg. monthly premiums are weighted by zip code population sizes | ||
Proof of Insurance
“ For folks who continue to drive without liability insurance the penalties are severe. ”
If you're pulled over and can't provide proof of insurance, you may suffer increasingly unpleasant consequences. The court may send the conviction to the Driver's License Bureau, tacking 4 points onto your license, which is halfway to a suspension. The court could also submit an order of supervision, allowing the Driver's License Bureau to monitor you for compliance. Finally, the court does hold the power to simply suspend your license if circumstances dictate. For folks who continue to drive without liability car insurance, the penalties are severe, including increasing fines, license reinstatement fees, and suspension of driver's license.
If you already have insurance, in Missouri, you have a 30-day grace period to add any newly purchased vehicle to the existing policy.
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🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.