Cheap Car Insurance in Missouri
Missouri drivers pay an average of $1,750/year for auto insurance — $39 below the national average. Compare quotes and save.
How Missouri stacks up
At $1,750 per year for full coverage, Missouri drivers pay 2% less than the national average of $1,789. Severe weather + above-average uninsured rate keep premiums above the national average.
Premiums vary widely within Missouri based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.
Required minimum coverage in Missouri
Bodily injury liability
25/50 (in $thousands)
Property damage liability
$25,000
No-fault / PIP required
No
Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.
5 ways to lower your Missouri car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10–25% discount).
- Ask about telematics / usage-based discounts (10–30% if you drive carefully).
- Severe weather + above-average uninsured rate keep premiums above the national average.
Missouri insurance FAQ
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