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Car Insurance in Missouri (Updated May 2024)

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Missouri Car Insurance Quotes

Car insurance costs are up 22% from a year ago, with some states seeing even higher increases than others. Looking at Missouri however, drivers are paying 4% less for car insurance than the national average, with Full Coverage costing Missouri drivers an average of $181 per month

Similar to other states, the rates in Missouri can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Missouri. Read on to learn more about properly insuring your car in Missouri. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 


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

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.

Frequently Asked Questions
What is the quickest way to reduce my insurance premium in Missouri?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Missouri?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Missouri?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.


🔍 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.